BANKING SYSTEM CONTROLLED RESPONSIVE TO DATA BEARING RECORDS AND USER INPUT OF A PHONE RECEIVED SECURITY CODE

摘要

A banking system operates to cause financial transfers responsive to card data read from data bearing records by a card reader. The system includes at least one automated banking machine comprising a cash dispenser. The system is operative during a cash dispense transaction request to receive through an automated banking machine, machine user input of data corresponding to a mobile phone number. The system is operative to generate a security code for the requested cash dispense transaction. The system uses the phone number to send the generated security code to the mobile phone. The cash dispense transaction is allowed to proceed only if the system receives machine user input of the sent security code.

主权项

1. Apparatus comprising:
at least one server of a banking system, wherein the at least one server is associated with a plurality of automated banking machines, wherein each machine includes a cash dispenser, wherein each machine includes at least one data reader, wherein the at least one data reader is operable to read user data usable to identify a financial account on which financial transactions can be carried out, wherein each machine is associated with at least one processor, wherein the at least one processor is operable to cause a financial account to be assessed a value associated with cash dispensed by the cash dispenser, responsive at least in part to user data read by the at least one data reader corresponding to the financial account, wherein each machine is operable to receive from a machine user, at least one user input including a secret code, contact data corresponding to a customer phone number, and a request associated with a cash dispense transaction involving a particular amount of cash, wherein the at least one server is operable to receive from a respective machine responsive to the respective machine receiving the at least one user input, at least one message associated with the request, wherein the at least one message includes the contact data and the particular amount, wherein the at least one server is operable to generate a transaction security code, wherein the transaction security code differs from the secret code, wherein the transaction security code is associated with the particular amount, wherein the at least one server is operable to correspond the security code with the cash dispense transaction, wherein the at least one server is operable to send a message to a customer via a mobile phone associated with the customer phone number, wherein the message includes: customer notification of the transaction, and the transaction security code, wherein the transaction security code is usable by the customer to cause a cash value corresponding to the particular amount to be dispensed by any particular machine of the plurality of automated banking machines, based at least in part on customer input of the transaction security code to the particular machine.