Banking system controlled responsive to data bearing recordings and user input of a phone received security code

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 at least one cash dispenser and at least one data reader,

wherein each machine is associated with at least one computer,

wherein the at least one computer is operative to cause financial transfers responsive at least in part to user data read by the at least one data reader corresponding to an authorized machine user,

wherein the at least one computer is operative to cause a financial account to be assessed a value associated with cash dispensed by the at least one cash dispenser,

wherein each machine is operable to receive from a machine user, at least one user input including

a secret code,

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 operative 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 data corresponding to the customer phone number and the particular amount,

wherein the at least one server is operative to generate a transaction security code associated with the cash dispense transaction,

wherein the transaction security code differs from the secret code,

wherein the transaction security code is associated with the particular amount,

wherein the transaction security code is associated with a predetermined time period,

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, responsive at least in part to customer input of the transaction security code to the particular machine within the predetermined time period.

2. The apparatus according to claim 1

wherein the at least one server is associated with at least one automated banking machine that is operative to cause financial transfers responsive at least in part to data read from user cards,

wherein the at least one automated banking machine includes:

a card reader,

wherein the card reader is operative to read from a card of a machine user, card data corresponding to user identification data,

at least one computer,

wherein the at least one computer is in operative connection with the card reader and the at least one cash dispenser,

wherein the at least one computer is operative during a transaction to

 cause card data to be read from a user card through operation of the card reader, and

 cause cash to be dispensed from the machine through operation of the at least one cash dispenser,

wherein the at least one computer is operative to cause a financial account to be assessed a value associated with cash dispensed.

3. The apparatus according to claim 2

wherein the at least one automated banking machine includes a biometric reader,

wherein the at least one computer is operative to cause card data read by the card reader to be compared with card information stored in a user identification data store,

wherein the at least one computer is operative to cause customer biometric data read by the biometric reader to be compared with biometric information stored in the user identification data store,

wherein a customer is authorized to request a cash dispense transaction responsive at least in part to

computer-determined correspondence between read card data and stored card information, and

computer-determined correspondence between read biometric data and stored biometric information.

4. Apparatus comprising:

at least one server,

wherein the at least one server is associated with at least one automated banking machine of a banking system,

wherein the at least one server is operable to receive a customer request for automated banking machine-dispensing of a particular amount of cash, wherein the request includes data corresponding to contact information for a customer mobile phone;

wherein the at least one server is operable to then correspond the request to a security code that is associated with a predetermined period of usability,

wherein the at least one server is operable to then use the data corresponding to the contact information to cause to be sent to the customer mobile phone, a message that includes

notification of the request, and

the security code,

wherein the at least one server is operable to then receive data corresponding to the security code responsive at least in part to user input of the security code to a respective machine of the at least one automated banking machine, wherein the respective machine includes at least one cash dispenser,

wherein the at least one server is operable to then allow the respective machine to dispense the particular amount of cash, responsive at least in part to the at least one server receiving the data corresponding to the security code within the predetermined period of usability.

5. The apparatus according to claim 4 wherein the at least one server is operative to generate the security code.

6. The apparatus according to claim 5 wherein the security code comprises a randomly-generated security code.

7. The apparatus according to claim 4 wherein the at least one server is associated with at least one automated banking machine in operative connection with a transaction host operative to authorized cash dispense transactions,

wherein the at least one server differs from the transaction host.

8. The apparatus according to claim 4 wherein the at least one server is operable to receive the customer request from an automated banking machine.

9. The apparatus according to claim 8 wherein the at least one server is operable to receive both the customer request and the security code from a same automated banking machine.

10. The apparatus according to claim 4

wherein the at least one server is operable to receive in the customer request, data corresponding to a phone number for the customer mobile phone,

wherein the at least one server is operable to use the data corresponding to the phone number to contact the customer mobile phone.

11. The apparatus according to claim 4

wherein the at least one server is operable to receive in the customer request, data corresponding to a network address for the customer mobile phone,

wherein the at least one server is operable to use the data corresponding to the network address to contact the customer mobile phone.

12. A method comprising:

(a) operating at least one server to receive a customer request for automated banking machine-dispensing of a particular amount of cash,

wherein the at least one server is associated with at least one automated banking machine of a banking system,

wherein the request includes data corresponding to contact information for a customer mobile phone;

(b) subsequent to (a), operating the at least one server to correspond the request to a security code that is associated with a predetermined period of usability;

(c) subsequent to (b), operating the at least one server to use the data corresponding to the contact information to cause to be sent to the customer mobile phone, a message that includes

notification of the request, and

the security code;

(d) subsequent to (c), operating the at least one server to receive data corresponding to the security code responsive at least in part to user input of the security code to a respective machine of the at least one automated banking machine, wherein the respective machine includes at least one cash dispenser; and

(e) operating the at least one server to allow the respective machine to dispense the particular amount of cash, responsive at least in part to the at least one server receiving in (d) the data corresponding to the security code within the predetermined period of usability.

13. The method according to claim 12 and further comprising

(f) prior to (b), operating the at least one server to generate the security code.

14. The method according to claim 13 wherein (f) includes operating the at least one server to provide a randomly-generated security code.

15. The method according to claim 12 wherein (a), (d), and (e) involve communication of the at least one server with a same automated banking machine.

16. The method according to claim 12 wherein (a) includes receiving the request from an automated banking machine.

17. The method according to claim 16 wherein in (a) the automated banking machine is in operative connection with a transaction host operable to authorize cash dispense transactions, and wherein in (a) the at least one server differs from the transaction host.

18. The method according to claim 16

wherein in (a) the automated banking machine includes at least one reader operative to read user data,

wherein the at least one reader includes

a card reader operable to read card user data, and

a biometric reader operable to read biometric user data,

wherein in (a) the data corresponding to the contact information corresponds to user data read by the at least one reader.

19. The method according to claim 12

wherein (a) includes receiving in the customer request, data corresponding to a phone number for the customer mobile phone,

wherein (c) includes using the data corresponding to the phone number to contact the customer mobile phone.

20. The method according to claim 12

wherein (a) includes receiving in the customer request, data corresponding to a network address for the customer mobile phone,

wherein (c) includes using the data corresponding to the network address to contact the customer mobile phone.

21. At least one computer readable medium comprising non-transitory computer executable instructions that when executed by at least one server cause the at least one server to carry out a method comprising:

(a) operating the at least one server to receive a customer request for automated banking machine-dispensing of a particular amount of cash,

wherein the at least one server is associated with at least one automated banking machine of a banking system,

wherein the request includes data corresponding to contact information for a customer mobile phone;

(b) subsequent to (a), operating the at least one server to correspond the request to a security code that is associated with a predetermined period of usability;

(c) subsequent to (b), operating the at least one server to use the data corresponding to the contact information to cause to be sent to the customer mobile phone, a message that includes

notification of the request, and

the security code;

(d) subsequent to (c), operating the at least one server to receive data corresponding to the security code responsive at least in part to user input of the security code to a respective machine of the at least one automated banking machine, wherein the respective machine includes at least one cash dispenser; and

(e) operating the at least one server to allow the respective machine to dispense the particular amount of cash, responsive at least in part to the at least one server receiving in (d) the data corresponding to the security code within the predetermined period of usability.

22. The at least one computer readable medium according to claim 21 wherein (a) includes receiving the request from an automated banking machine.

23. The at least one computer readable medium according to claim 22 wherein in (a) the automated banking machine is in operative connection with a transaction host operable to authorize cash dispense transactions, and wherein in (a) the at least one server differs from the transaction host.

24. The at least one computer readable medium according to claim 21

wherein (a) includes receiving in the customer request, data corresponding to a phone number for the customer mobile phone,

wherein (c) includes using the data corresponding to the phone number to contact the customer mobile phone.

25. The at least one computer readable medium according to claim 21

wherein (a) includes receiving in the customer request, data corresponding to a network address for the customer mobile phone,

wherein (c) includes using the data corresponding to the network address to contact the customer mobile phone.