Card activated cash dispensing automated banking machine system and method
View Patent ↗An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. A user is also enabled to perform at least one banking operation responsive to financial account data communicated to the automated banking machine from a mobile phone.
1. An apparatus, comprising:
an automated banking machine that comprises
a wireless access point;
a fascia; and
a plurality of cash dispenser outlets mounted on the fascia that are operatively coupled with the wireless access point;
wherein the wireless access point is operable to concurrently communicate with a plurality of wireless devices requesting a cash withdrawal corresponding to the plurality of cash dispenser outlets; and
wherein the plurality of cash dispensers are operable to dispense cash.
2. The apparatus according to claim 1 , further comprising a plurality of identifying devices;
wherein the plurality of identifying devices are operable to determine an identity associated with a user adjacent to the plurality of cash dispenser outlets.
3. The apparatus according to claim 2 , wherein the wireless access point communicates with a first of the plurality of wireless devices associated with a first of the plurality of cash dispenser outlets requesting a first cash withdrawal transaction, and a second of the plurality of wireless devices associated with a second of the plurality of cash dispenser outlets requesting a second cash withdrawal transaction;
wherein a first identifying device associated with the first of the plurality of cash dispenser outlets waits for a first input corresponding to the first cash withdrawal transaction;
wherein cash for the first cash withdrawal transaction is provided at the first cash dispenser outlet responsive to receiving the first input;
wherein a second identifying device associated with the second of the plurality of cash dispenser outlets waits for a second input corresponding to the second cash withdrawal transaction; and
wherein cash for the second cash withdrawal transaction is provided at the second cash dispenser outlet responsive to receiving g the second input.
4. The apparatus according to claim 2 , wherein at least one of the plurality of identifying devices comprises a biometric reader.
5. The apparatus according to claim 2 , wherein the biometric reader includes a fingerprint scanner.
6. The apparatus according to claim 5 , wherein the automated banking machine further includes a data store; and
wherein the automated banking machine is operable to verify a fingerprint scan obtained via the biometric reader corresponds to an authorized user of a wireless device at the at least one of the plurality of identifying devices.
7. The apparatus according to claim 2 , wherein the identifying device comprises a bar code scanner.
8. The apparatus according to claim 2 , wherein the identifying device comprises an infra-red scanner.
9. The apparatus according to claim 2 , wherein the identifying device comprises a card reader.
10. The apparatus according to claim 2 , wherein the identifying device is operable to correlate a wireless device to a user.
11. The apparatus according to claim 2 , wherein the identifying device identifiers a user from a digital certificate.
12. The apparatus according to claim 1 , wherein the automated banking machine is operable to communicate with a remote system to determine whether a cash withdrawal transaction is authorized.
13. The apparatus according to claim 1 , further operable to allow at least one of the plurality of users to purchase digital information or content.
14. The apparatus according to claim 1 , wherein the wireless access point is operable to send message to a selected one of the plurality of wireless devices indicating that transaction is authorized.
15. The apparatus according to claim 1 , further comprising:
a single cash dispenser; and
a plurality of presenters corresponding to the plurality of cash dispenser outlets;
wherein cash is provided from the single cash dispenser to an appropriate one of the plurality of presenters corresponding to a selected one of the plurality of cash dispenser outlets.
16. The apparatus according to claim 1 , where the plurality of cash dispenser outlets are spaced apart along the fascia such that different users may be able to stand adjacent to different cash dispenser outlets simultaneously.