CARD ACTIVATED CASH DISPENSING AUTOMATED BANKING MACHINE SYSTEM AND METHOD

摘要

An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is able to perform at least one banking operation with an automated banking machine responsive to account indicia read by the card reader from the card. The banking operations include dispensing cash and accessing financial accounts. A user is also able to perform at least one banking operation with an automated banking machine responsive to financial account data received by the system from a mobile phone.

主权项

1. A method comprising:
(a) operating an automated banking machine that includes a cash dispenser, and at least one input device, to receive from a mobile wireless communication device via a server, at least one message that includes transaction data,
wherein the transaction data indicates a request for a cash withdrawal transaction,wherein the transaction data includes account data corresponding to a financial account,wherein the transaction data includes a requested cash amount; (b) operating the machine responsive at least in part to the transaction data received in (a) to allow the cash withdrawal transaction to be authorized,
wherein authorization of the cash withdrawal transaction allows the machine, responsive at least in part to user input of a particular authorization code to the at least one input device, to dispense the requested cash amount; and (c) operating the machine responsive at least in part to user input of the particular authorization code to the at least one input device, to cause the cash dispenser to dispense an amount of cash corresponding to the requested cash amount.