Automated banking machine that operates responsive to data bearing records
View Patent ↗A system controlled by a data bearing record includes a card reader that is operative to read data from user cards including identifying data and to authorize operation of an automated banking machine responsive to the identifying data. A bank host computer is operable to submit the receipt to a system address of record with the bank. The address of record corresponds to an e-mail address, phone number or other address associated with an account involved in the transaction. The receipt may include an image or images associated with the transaction. The system may also operate to image deposited checks deposited at an the banking machine. Copies of the imaged checks and other information can be electronically sent to a maker, payee, a clearinghouse or banks involved with the transaction. The automated banking machine may also operate to provide the user with blank checks for transactions.
1. A method comprising:
a) operating an automated banking machine to carry out a financial transaction involving a machine user associated with a phone number, responsive to authorization received for the financial transaction by the machine from a remote transaction host,
including operating the machine during the transaction to send a transaction authorization communication toward the remote transaction host,
wherein the machine includes a cash dispenser, wherein the cash dispenser is operative to dispense cash to authorized machine users;
b) receiving data corresponding to the phone number through operation of the machine;
c) subsequent to step (a), operating the machine to generate at least a portion of text message data including transaction receipt information corresponding to the financial transaction carried out in step (a); and
d) subsequent to step (c), operating the machine to cause the at least a portion of text message data generated in step (c) and the data corresponding to the phone number received in step (b) to be communicated in a communication path which is independent of the remote transaction host, toward a text message server in operative connection with a mobile phone network associated with a mobile phone associated with the phone number.
2. The method according to claim 1
wherein in step (c) the machine generates a text message that includes a transaction receipt.
3. The method according to claim 1 wherein step (d) comprises:
through operation the machine, sending the data received in step (b) and the data generated in step (c) through the Internet toward a Short Message Service (SMS) server that is operative to provide a text message and the mobile phone number to a mobile phone network operative to wirelessly transmit the text message to a mobile phone associated with the mobile phone number.
4. The method according to claim 3 , wherein the SMS server is operative to provide the text message to the mobile phone network according to SMS protocol, wherein the mobile phone is operative to receive the text message according to the SMS protocol.
5. The method according to claim 1 and further comprising:
e) through operation the machine, obtaining from a data store at least one mobile phone designator associated with the machine user; and
f) sending a text message to a mobile phone that corresponds to the designator obtained from the data store in step (e).
6. The method according to claim 1 and further comprising:
e) asking the machine user through operation of the machine if the machine user desires to have a transaction receipt in a text message sent to a mobile phone; and
f) subsequent to step (e), receiving at least one input through at least one input device of the machine indicating that the machine user wishes to have a transaction receipt in a text message sent to a mobile phone;
wherein step (d) is carried out subsequent to receiving the at least one input in step (f).
7. The method according to claim 1 wherein the transaction receipt information comprises an electronic receipt, and further comprising:
e) providing a paper receipt for the transaction from the machine.
8. The method according to claim 1 and further comprising:
e) through operation the machine, generating an electronic image associated with the transaction.
9. The method according to claim 8 and further comprising:
(f) operating the machine to accept a check during the transaction;
wherein step (e) comprises generating an electronic image of the check.
10. The method according to claim 9 and further comprising:
(g) responsive to operation of the machine, enabling a maker of the check to access the electronic image of the check.
11. The method according to claim 9 and further comprising:
(g) responsive to operation of the machine, transmitting the electronic image of the check from the machine to at least one remote system address.
12. The method according to claim 11 and prior to step (g) further comprising:
(h) reading indicia from the check through operation of the machine; and
(i) determining the at least one remote system address using the indicia read in step (h).
13. At least one article including computer executable instructions operative to cause at least one computer of a cash dispensing automated banking machine to carry out a method comprising:
a) causing a cash dispensing automated banking machine to carry out a financial transaction involving a machine user associated with a phone number, responsive to authorization received for the financial transaction by the machine from a remote transaction host,
including causing the machine during the transaction to send a transaction authorization communication toward the remote transaction host;
b) causing the machine to receive data corresponding to the phone number;
c) responsive to (a), causing the machine to generate at least a portion of text message data including transaction receipt information corresponding to the financial transaction carried out in (a); and
d) subsequent to (c), causing the machine to cause the at least a portion of text message data generated in (c) and the data corresponding to the phone number received in (b) to be communicated in a communication path which is independent of the remote transaction host, toward a text message server in operative connection with a mobile phone network associated with a mobile phone associated with the phone number.
14. An automated banking machine apparatus comprising:
an automated banking machine including a cash dispenser,
wherein the cash dispenser is operative to dispense cash to authorized machine users,
wherein the machine is adapted to perform at least one transaction involving a machine user associated with a mobile phone number,
wherein the automated banking machine includes:
at least one computer,
wherein the at least one computer is operative to cause the machine to receive authorization for the at least one transaction from a remote transaction host,
wherein the at least one computer is operative to cause the machine to generate data corresponding to at least a portion of a text message that includes transaction receipt information associated with the at least one transaction,
wherein the at least one computer is operative to cause the machine to receive data corresponding to the mobile phone number,
a text message interfacing component,
wherein the text message interfacing component is operative to cause the generated data and the received data to be sent from the machine toward a text message server through a network route which is independent of the remote transaction host.
15. The apparatus according to claim 14 wherein the machine further comprises at least one user input device in operative connection with the at least one computer,
wherein the machine is operative to send the generated data and the received data toward the text message server responsive to at least one user input to the at least one input device.
16. The apparatus according to claim 15 wherein the at least one user input device is operative to receive the mobile phone number from a machine user.
17. The apparatus according to claim 15 wherein the machine further comprises at least one output device in operative connection with the at least one computer,
wherein the at least one computer is operative to cause the at least one output device to output at least one user query concerning sending a transaction receipt in a text message, and
wherein the machine is operative to send the generated data and the received data toward the text message server responsive to receiving user input regarding the at least one user query through the at least one user input device.
18. The apparatus according to claim 14 and further comprising:
a network, and
a text message server in operative connection with the interfacing component through the network.
19. The apparatus according to claim 18 and further comprising:
a mobile phone network in operative connection with the text message server, and
a wireless phone in operative connection with the mobile phone network, wherein the wireless phone is assigned the phone number.
20. The apparatus according to claim 14 wherein the machine further comprises:
a check imaging device in operative connection with the at least one computer, wherein the check imaging device is operative to produce electronic images of checks input to the machine,
wherein the at least one computer is operative to cause an electronic image of a check produced by the check imaging device to be sent to a remote system address that corresponds to indicia included on the check.
21. The apparatus according to claim 14
wherein the machine is operative to generate a text message that includes a transaction receipt.
22. A method comprising:
(a) operating an automated banking machine in performing a financial transaction that involves a user account, wherein the machine includes a cash dispenser and a printer, wherein the machine is operative to communicate with a transaction host remotely located from the machine;
(b) operating the machine to provide at least one selectable transaction receipt format in at least one output to a machine user involved in the financial transaction, wherein the at least one output permits the machine user to select receiving a paper receipt corresponding to the financial transaction from the printer, wherein the at least one output permits the machine user to select receiving an electronic receipt at a mobile phone in the form of a text message corresponding to the financial transaction;
(c) operating the machine to receive at least one user selection corresponding to the at least one output in step (b);
(d) responsive to step (c), operating the machine to cause generation of data corresponding to at least a portion of a text message that includes transaction receipt information corresponding to the financial transaction, wherein the transaction receipt information includes data indicating at least an amount and a date;
(e) operating the machine to receive data corresponding to a phone number correlated in at least one data store with the user account; and
(f) operating the machine to initiate sending of the data generated in step (d) and the data received in step (e) toward a mobile phone assigned the phone number through a mobile phone network.