Cash withdrawal from ATM via videophone
View Patent ↗Apparatus and method for purchasing cash from an ATM. The ATM has a unique identifier visibly located thereon. A customer phone includes a camera and a programmable memory. The camera can be used to capture an image of the ATM's identifier. The memory includes customer account data. A customer uses their phone to establish wireless communication with a transaction host. The customer can transmit to the host a request for cash from the ATM. The request includes the account data and the image. The host can use the account data in payment for the requested cash. The host uses the image to identify the particular ATM associated with the request. After payment, the host causes the identified ATM to dispense the requested cash.
1. Apparatus comprising:
a portable hand-held device,
wherein the hand-held device includes memory,
wherein the memory includes a financial account number,
wherein the hand-held device is operative to communicate wirelessly,
wherein the hand-held device is operative to wirelessly transmit the financial account number,
wherein the hand-held device is operative to wirelessly transmit a user transaction request corresponding to an amount of money having a first cash value,
a transaction system,
wherein the transaction system includes a network,
wherein the network includes at least one automated teller machine (ATM) terminal,
wherein the transaction system is operative to receive via wireless communication the financial account number transmitted from the portable hand-held device,
wherein the transaction system is operative to receive via wireless communication the user transaction request transmitted from the portable hand-held device,
wherein the transaction system is operative to associate at least the first cash value to the financial account number,
wherein the transaction system is operative to instruct the ATM terminal to allocate the amount of money to the user.
2. The apparatus according to claim 1 wherein the user transaction request comprises a cash withdrawal request, wherein the transaction system is operative to associate at least the first cash value to the financial account number as payment for the amount of money in the cash withdrawal request.
3. The apparatus according to claim 2 wherein the transaction system is operative to assign the first cash value to a user code.
4. The apparatus according to claim 3
wherein each ATM terminal includes a cash dispenser and at least one user input device,
wherein the transaction system is operative to cause the ATM terminal to dispense cash corresponding to the first cash value responsive to receiving the user code via the at least one user input device.
5. The apparatus according to claim 4
wherein the transaction system is operative to transmit via wireless communication the user code, and wherein the portable hand-held device is adapted to receive the user code transmitted from the transaction system,
wherein the portable hand-held device is adapted to transmit via wireless communication the user code, and wherein the at least one user input device is adapted to receive the user code transmitted from the portable hand-held device.
6. The apparatus according to claim 1 wherein the portable hand-held device includes a phone.
7. The apparatus according to claim 6 wherein the financial account number includes at least one of charge account data and debit account data, wherein each ATM terminal includes a cash dispenser, wherein the transaction system is operative to authorize the user transaction request, wherein the transaction system is operative to instruct a particular ATM terminal to dispense the amount of money to the user responsive to authorization of the user transaction request.
8. The apparatus according to claim 1 wherein the transaction system is operative to associate at least the first cash value to the financial account number as credit for the amount of money in the user transaction request.
9. The apparatus according to claim 8
wherein the at least one ATM terminal includes a cash acceptor, wherein the cash acceptor is operative to receive cash corresponding to the first cash value from the user.
10. The apparatus according to claim 9 wherein the transaction system is operative to assign the first cash value to a user code.
11. The apparatus according to claim 10 wherein the at least one ATM terminal is operative to dispense cash corresponding to the first cash value responsive to receiving the user code.
12. The apparatus according to claim 11 wherein the at least one ATM terminal includes at least one cash recycler ATM terminal.
13. Apparatus comprising:
a portable hand-held device,
wherein the hand-held device includes memory,
wherein the memory includes a financial account number,
wherein the hand-held device is operative to communicate wirelessly,
wherein the hand-held device is operative to wirelessly transmit the financial account number,
wherein the hand-held device is operative to wirelessly transmit a user transaction request corresponding to an amount of money having a first cash value,
a transaction system,
wherein the transaction system includes a network,
wherein the network includes at least one transaction terminal,
wherein the terminal is operative to disburse a cash value,
wherein the transaction system is operative to receive via wireless communication the financial account number transmitted from the portable hand-held device,
wherein the transaction system is operative to receive via wireless communication the user transaction request transmitted from the portable hand-held device,
wherein the transaction system is operative to associate at least the first cash value to the financial account number as payment for the amount of money in the user transaction request,
wherein the transaction system is operative to instruct the transaction terminal to allocate the amount of money to the user.
14. The apparatus according to claim 13 wherein the at least one transaction terminal includes an automated teller machine (ATM) terminal, wherein the ATM terminal includes a cash dispenser, and wherein the cash dispenser is operative to dispense the first cash value as cash.
15. The apparatus according to claim 14 wherein the transaction system is operative to assign the first cash value to a user code, wherein the ATM terminal is operative to dispense cash corresponding to the first cash value responsive to receiving the user code.
16. Apparatus comprising:
a portable hand-held device,
wherein the hand-held device includes memory,
wherein the memory includes a financial account number,
wherein the hand-held device is operative to communicate wirelessly,
wherein the hand-held device is operative to wirelessly transmit the financial account number,
wherein the hand-held device is operative to wirelessly transmit a request for an amount of money having a cash value,
a transaction system,
wherein the transaction system includes a network,
wherein the network includes at least one terminal,
wherein the transaction system is operative to receive via wireless communication the financial account number transmitted from the portable hand-held device,
wherein the transaction system is operative to receive via wireless communication the request from the portable hand-held device,
wherein the transaction system is operative to associate at least the cash value to the financial account number as payment for the amount of money requested,
wherein the transaction system is operative to authorize the request,
wherein responsive to authorization of the request, the transaction system is operative to instruct a particular terminal to allocate to the user the amount of money requested in the form of a money credit.
17. The apparatus according to claim 16 wherein the particular terminal comprises an automated teller machine (ATM) terminal, wherein the ATM terminal includes a cash dispenser, and wherein the cash dispenser is operative to dispense a cash.
18. The apparatus according to claim 17 wherein the money credit has a particular code associated therewith, wherein the ATM terminal includes at least one user input device, wherein the ATM terminal is operative to dispense cash corresponding to the cash value of the money credit responsive to receiving the particular code via the at least one user input device.
19. The apparatus according to claim 16 wherein the financial account number includes at least one of charge account data and debit account data.
20. The apparatus according to claim 16 wherein the portable hand-held device includes a phone.