Customer verification

1. A method, for conducting a pre-staged transaction using a machine, the machine configured to perform the method, the method including operations comprising:

determining at least one biometric parameter of a user by scanning the user with a biometric reader device of the machine;

retrieving, from a data store of the machine, a list of a plurality of active users associated with the machine;

determining, using logic of the machine, said plurality of active users by determining a plurality of potential users of the machine, said potential users being located in a region associated with the machine; and

comparing using the logic of the machine, the at least one biometric parameter with corresponding biometric parameters of the plurality of active users;

determining, using the logic of the machine, the pre-staged transaction associated with the user based on results of the comparison;

modifying a user interface displayed on a display of the machine to present information related to the pre-staged transaction; and

conducting the pre-staged transaction using the logic of the machine based on the results of the comparison;

wherein the pre-staged transaction is determined and conducted using the user interface and the machine without using a physical token or a personal identification number (PIN).

2. The method in claim 1 , further comprising:

wherein comparing the at least one biometric parameter with corresponding biometric parameters of the plurality of active users includes comparing the at least one biometric parameter with corresponding biometric parameter's of the plurality of potential users of the machine, the plurality of potential user's of the machine including a smaller subset of all possible users of a banking network.

3. The method in claim 2 , further comprising:

determining, using the logic of the machine, where the machine is located via a Global Positioning Satellite (GPS) enabled transceiver of the machine.

4. The method in claim 2 , further comprising:

determining, using the logic of the machine, where the machine is located by retrieving, from the data store of the machine, a pre-stored latitude and longitude allocated to the machine.

5. The method in claim 2 , further comprising:

determining, using the logic of the machine, potential users of the machine by determining a plurality of subscribers or members of a pre-determined organization.

6. The method in claim 2 , further comprising:

determining, using the logic of the machine, potential users of the machine by determining users that have previously performed a pre-determined operation at the machine or at another machine of a network, the network including the machine.

7. The method in claim 6 wherein determining potential users further includes determining users that have a pre-staged transaction associated with the user executable at the machine.

8. The method in claim 1 , further comprising:

determining, using the logic of the machine, if the pre-staged transaction was established within a pre-determined period of time prior to said step of determining the at least one biometric parameter of the user.

9. The method in claim 1 , further comprising:

determining, using the logic of the machine, said at least one biometric parameter by reading a fingerprint and/or iris of said user using the biometric reader device of the machine.

10. The method in claim 1 , further comprising:

sending, using the logic of the machine, said at least one biometric parameter from the machine to a remote server node via a network;

at the server node comparing the parameter with parameter data associated with said active users stored in a data store at the server node, and

determining, using the logic of the server node, an identity of the user responsive to said comparison step.

11. The method in claim 10 , wherein the machine is an Automated Teller Machine (ATM) and the pre-staged transaction comprises dispensing currency notes.

12. A server for communicating with a machine that selectively executes transactions, wherein the server is operable to:

receive, at the server, at least one biometric parameter associated with a user at the machine, wherein the at least one biometric parameter is determined from a scan of the user by a biometric reader device of the machine;

retrieve, from a data store of the server, a list of a plurality of active users associated with the machine;

determine, using a logic of the server, the plurality of active users associated with the machine by selecting a table of active users associated with the machine from a plurality of tables of active users stored in the data store at the server and associated with a corresponding plurality of machines that selectively communicate with the server;

compare, using the logic of the server, the at least one biometric parameter to biometric parameters corresponding to the plurality of active users, the biometric parameters stored in the data store of the server;

determine, using the logic of the server; a pre-staged transaction associated with the user based on results of the comparison; and

send a modified user interface to the machine for display on a display of the machine, the modified user interface including information related to the pre-staged transaction;

and

wherein the pre-staged transaction is determined and conducted using the user interface and the machine without using a physical token or a personal identification number (PIN).

13. At least one non-transitory machine readable medium, including instructions for conducting a pre-staged transaction using a machine, the instructions causing the machine to perform operations to:

determine at least one biometric parameter of a user by scanning the user with a biometric reader device of the machine;

retrieve, from a data store of the machine, a list of a plurality of active users associated with the machine;

determine, using a logic of the machine, said plurality of active users by determining a plurality of potential users of the machine, said potential users being located in a region associated with the machine;

compare the at least one biometric parameter with corresponding biometric parameters of the plurality of active users;

determine that the pre-staged transaction is associated with the user based on results of the comparison;

modify a user interface displayed on a display of the machine to present information related to the pre-staged transaction;

conduct the pre-staged transaction based on the results of the comparison; and

wherein the pre-staged transaction is determined and conducted using the user interface and the machine without using a physical token or a personal identification number (PIN).