Patent Application

App. No. 15/767,092

Abstract

Claims (43)

1 . A cash-dispensing banking terminal comprising:

a housing;

a transmitter;

a receiver;

a cash dispenser;

a processor at least partially configured to control the cash dispenser;

wherein a pre-created banking transaction request was created was requested with a mobile device before a banking customer and the mobile device arrive at the cash-dispensing banking terminal, wherein a remote computing device authenticates and authorizes the pre-created banking transaction request before the banking customer and the mobile device arrive at the cash-dispensing banking terminal, and wherein when the pre-created banking transaction is authenticated and authorized a remote computer is configured to generate an executable transaction request as well as to generate and send a transaction identifier associated with the executable transaction request to the mobile device;

wherein the receiver is configured to receive the transaction identifier from the mobile device when the banking customer is at the banking terminal, and wherein the remote computer or another device is configured to verify the transaction identifier is valid and to perform the executable transaction request while the banking customer is at the banking terminal; and

wherein the amount of currency is pre-deducted from a banking account of the banking customer before the banking customer is at the banking terminal.

2 . The cash-dispensing banking terminal of claim 1 wherein the executable transaction request includes a request to dispense an amount of currency from the banking terminal.

3 . The cash-dispensing banking terminal of claim 1 wherein the transaction identifier is valid for a limited time and after the limited time the transaction identifier is void and the executable transaction request cannot be performed.

4 . The cash-dispensing banking terminal of claim 3 wherein the limited time is two hours or less.

5 . The cash-dispensing banking terminal of claim 1 wherein the banking terminal is an automatic transaction machine (ATM) lacking a keypad, lacking a card reader, and lacking user interface buttons.

6 . The cash-dispensing banking terminal of claim 1 wherein the banking terminal is an ATM lacking a keypad and lacking a card reader.

7 . The cash-dispensing banking terminal of claim 1 wherein the receiver is configured to receive the banking transaction request using wireless near field communication (NFC) traveling a distance of three feet or less, and wherein the transmitter is an NFC wireless transmitter.

8 . The cash-dispensing banking terminal of claim 1 wherein software on the mobile device communicates with the remote computing device to authenticate and authorizes the pre-created banking transaction request before the banking customer and the mobile device arrive at the cash-dispensing banking terminal.

9 . The cash-dispensing banking terminal of claim 1 wherein the transaction identifier consists of at least one of the group of: a bar code, a biometric input, a quick response (QR) code, and a symbol.

10 . The cash-dispensing banking terminal of claim 1 wherein the mobile device is a mobile phone.

11 . The cash-dispensing banking terminal of claim 1 wherein the receiver is configured to receive the transaction identifier from the mobile device when the mobile device is tapped against the banking terminal.

12 . The cash-dispensing banking terminal of claim 1 further comprising:

a vault configured to loaded with the cash and to dispense cash responsive to the executable banking transaction.

13 . The cash-dispensing banking terminal of claim 1 wherein the mobile device has no communications with the banking terminal until after the transaction identifier and executable transaction request are created.

14 . The cash-dispensing banking terminal of claim 1 further comprising:

light emitting diode (LED) lighting illuminate a first color when no transaction identifier has been received, when the transaction identifier is invalid, or when no banking transaction is being processed, and wherein the LED lighting is illuminated with a second color that is different than the first color when an event occurs that is at least one of the group of: the transaction identifier has been received, when the transaction identifier is valid, or when the banking transaction is being processed.

15 . An automatic transaction machine (ATM) banking terminal comprising:

a housing;

a transmitter;

a receiver;

a cash dispenser dispense cash;

a processor at least partially configured to control the cash dispenser;

wherein the ATM banking terminal lacks a keypad;

wherein the ATM banking terminal lacks a card reader;

wherein the ATM banking terminal lacks more than three customer interface buttons;

wherein a mobile device is configured to request and send a pre-created banking transaction request to a remote device on a banking network, wherein the banking transaction request was created through the mobile device in communication with a bank computer connected to a network with the mobile device located away from the ATM banking terminal without communication or interaction with the banking terminal, wherein the pre-created banking transaction request was matched to a banking account and authenticated while the mobile device was located away from the ATM banking terminal and was without communication or interaction with the banking terminal, and wherein no authentication of the mobile device nor the transaction identifier is performed at the banking terminal, and wherein when the pre-created banking transaction request is authenticated a corresponding executable transaction request is created by a computer on the network and stored remotely from the mobile device, and wherein when the pre-created banking transaction request is authenticated a transaction identifier associated with the executable transaction request is generated by at least one computer on the network and sent to the mobile device;

wherein the receiver is configured to receive the transaction identifier from the mobile device when the banking customer is at the banking terminal, wherein the remote computer or another device is configured to verify the transaction identifier is valid and when valid to perform the executable transaction request while the banking customer is at the banking terminal; and

wherein the amount of currency is pre-deducted from the banking account of the banking customer before the banking customer is within ten feet of the banking terminal.

16 . The ATM banking terminal of claim 15 wherein the pre-created banking transaction request is a request to dispense an amount of currency from the banking terminal.

17 . The ATM banking terminal of claim 15 wherein the amount of currency is pre-deducted from the banking account of the banking customer before the mobile device is brought to the banking terminal and before the transaction identifier is received at the banking terminal.

18 . A method of withdrawing cash at an ATM banking terminal comprising:

receiving at the ATM banking terminal a transaction identification of a cash withdrawal transaction request for an amount of cash, wherein the cash withdrawal transaction request was created by a banking customer using a device remote from the ATM banking terminal and was created before the banking customer arrived at the ATM banking terminal with cash transaction identification;

verifying with the ATM banking terminal in communication with remote banking system equipment that the transaction identifier is valid;

when the transaction identifier is valid the banking terminal performs the cash withdrawal transaction request while the banking customer is at the banking terminal by dispensing at the banking terminal the amount of cash to the banking customer; and

wherein the amount of cash is pre-deducted from the banking account of the banking customer before the banking customer is at the banking terminal.

Assignments (9)