Banking system controlled responsive to data bearing records
First Claim
1. Apparatus comprising:
- an automated banking machine operable to cause financial transfers responsive at least in part to data read from data bearing records, including;
a card reader, wherein the card reader is operative to read card data from user cards, wherein the card data corresponds to financial accounts,at least one machine input device, wherein the at least one machine input device is operative to receive inputs from machine users,a display, wherein the display is operative to provide visual outputs,a cash dispenser, wherein the cash dispenser is operative to selectively cause cash stored in the machine to be made available to machine users,at least one processor associated with the automated banking machine,wherein the at least one processor is in operative connection with the card reader, the at least one machine input device, the display, and the cash dispenser,wherein the at least one processor is operative to cause;
the card reader to read first card data from a user card,the display to output a prompt for a user to input a personal identification number (PIN),at least one PIN input to be received through the at least one machine input device,a determination to be made, responsive at least in part to communication between the at least one processor and at least one remote computer remote from the machine,that the first card data corresponds to a financial account on which financial transactions can be conducted at the machine, andthat the at least one PIN corresponds to an authorized user of the financial account,wherein the at least one processor is operative responsive at least in part to the determination, toenable at least one device identifying input to be received through the at least one machine input device,wherein the at least one device identifying input uniquely corresponds to a communication address for a mobile wireless device of the authorized user, andenable data corresponding to the device identifying input to be stored in associated relation with data corresponding with the financial account in a data store associated with at least one first computer remote from the machine,wherein operative communication between the mobile wireless device and the at least one first computer enables at least one mobile wireless transaction to be carried out involving the financial account.
5 Assignments
0 Petitions
Accused Products
Abstract
An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data corresponding to financial accounts from user cards. The card data is linked in at least one data store to data indicating that the card data corresponds to a financial account that is authorized to be used to conduct at least one transaction through use of the automated banking machine. The automated banking machine may be used to carry out financial transfers involving financial accounts by users who are determined to be authorized users of such accounts. Data corresponding to a financial account can also be linked to a mobile wireless device through inputs by an authorized user through an input device of the automated banking machine.
61 Citations
20 Claims
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1. Apparatus comprising:
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an automated banking machine operable to cause financial transfers responsive at least in part to data read from data bearing records, including; a card reader, wherein the card reader is operative to read card data from user cards, wherein the card data corresponds to financial accounts, at least one machine input device, wherein the at least one machine input device is operative to receive inputs from machine users, a display, wherein the display is operative to provide visual outputs, a cash dispenser, wherein the cash dispenser is operative to selectively cause cash stored in the machine to be made available to machine users, at least one processor associated with the automated banking machine, wherein the at least one processor is in operative connection with the card reader, the at least one machine input device, the display, and the cash dispenser, wherein the at least one processor is operative to cause; the card reader to read first card data from a user card, the display to output a prompt for a user to input a personal identification number (PIN), at least one PIN input to be received through the at least one machine input device, a determination to be made, responsive at least in part to communication between the at least one processor and at least one remote computer remote from the machine, that the first card data corresponds to a financial account on which financial transactions can be conducted at the machine, and that the at least one PIN corresponds to an authorized user of the financial account, wherein the at least one processor is operative responsive at least in part to the determination, to enable at least one device identifying input to be received through the at least one machine input device, wherein the at least one device identifying input uniquely corresponds to a communication address for a mobile wireless device of the authorized user, and enable data corresponding to the device identifying input to be stored in associated relation with data corresponding with the financial account in a data store associated with at least one first computer remote from the machine, wherein operative communication between the mobile wireless device and the at least one first computer enables at least one mobile wireless transaction to be carried out involving the financial account. - View Dependent Claims (2, 3)
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4. Apparatus comprising:
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an automated banking machine operable to cause financial transfers responsive at least in part to data read from data bearing records, wherein the machine includes; a card reader operable to read card data usable to identify a financial account on which financial transactions can be carried out, a cash dispenser operable to selectively dispense cash from storage in the machine to authorized machine users, wherein the machine is operable to carry out a cash dispense transaction involving a financial account identified through use of card data read by the card reader, at least one input device, wherein the at least one input device is operable to receive inputs from machine users, at least one processor associated with the machine, wherein the at least one processor is operable, responsive at least in part to; determination by at least one computer that card data read by the card reader corresponds to a financial account usable for authorization of at least one financial transaction carried out with the machine, and reception by the at least one input device of at least one device identifying input which corresponds to a communication address uniquely associated with a mobile wireless device that includes at least one manual input device, to enable at least one transaction involving the financial account to be carried out with the mobile wireless device, responsive at least in part to at least one input to the at least one manual input device. - View Dependent Claims (5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. Apparatus comprising:
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at least one processor associated with an automated banking machine that includes at least one machine input device comprising at least one user data reader, wherein the at least one processor is operable to cause; account data which corresponds to a financial account identified through use of user data read by the at least one user data reader, and address data which corresponds to a communication address received from a machine user through the at least one machine input device, wherein the communication address is uniquely associated with a mobile wireless communication device, to be stored in associated relation in at least one data store that is usable by at least one remotely located computer in allowing usage of the mobile wireless communication device in carrying out at least one financial transaction involving the financial account. - View Dependent Claims (15, 16, 17, 18, 19, 20)
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Specification