Casino cash system, apparatus and method utilizing integrated circuit cards
Methods, systems and apparatus are provided for facilitating financial transactions using an IC type financial card presented at a terminal. A requested transaction for monetary value is processed via a first transaction type. If the transaction is successful, monetary value (such as cash or a monetary value ticket or receipt) is dispensed to the user. If unsuccessful, the card is not ejected and the transaction is processed via a second transaction type. The first transaction type might be a PIN based ATM or ticket transaction and the second transaction type might be a signature based transaction.
1. A method of facilitating a user's request to access monetary value associated with a financial account comprising the steps of:
receiving an integrated circuit financial card in a card reader at a transaction terminal, said integrated circuit financial card comprising a card media having an associated integrated circuit having information associated therewith;
controlling said card reader to cause at least one integrated circuit engaging component thereof to move from a first unengaged position in which said integrated circuit engaging component is not in contact with said integrated circuit of said integrated circuit financial card to a second engaged position in which said integrated circuit engaging component contacts said integrated circuit of said integrated circuit financial card;
displaying, in response to engagement of said integrated financial card by said transaction terminal, via a video display of said transaction terminal, a first graphical user interface comprising information regarding a plurality of selectable transaction types;
in response to selection of a first transaction type which requires input of a PIN, displaying, via said video display of said transaction terminal, a second graphical user interface prompting entry of said PIN by said user;
receiving input of said a PIN from said a user of said card at said transaction terminal;
in response to validating said PIN input by said user, displaying, via said video display of said transaction terminal, a third graphical user interface comprising information regarding selectable monetary value amounts;
receiving input of a monetary value amount from said user of said card at said transaction terminal;
processing said request via said a first transaction type;
when said transaction is approved, displaying, via said video display of said transaction terminal, a fourth graphical user interface comprising at least one of information instructing said user to remove said integrated circuit financial card from said card reader and instructions to take a receipt;
dispensing at least one element of monetary value from said transaction terminal; and
when said transaction is denied, without input from said user of said card:
controlling said card reader to cause said at least one integrated circuit engaging component of said card reader to remain in said second engaged position to continue to engage said integrated circuit of said integrated circuit financial card and automatically re-reading said card;
displaying, via said video display of said transaction terminal, a fifth graphical user interface comprising information indicating said transaction was denied and information regarding processing of said request by at least one second transaction type;
receiving at least one second input from said user associated with processing of said request via a selected second transaction type; and
processing said request via said second transaction type.
2. The method in accordance with claim 1 wherein said information regarding selectable monetary amounts of said third graphical user interface comprises the display of a plurality of icons having different monetary amounts and wherein said input of said monetary amount comprises receiving touch input from said user relative to a particular displayed selectable monetary value amount icon.
3. The method in accordance with claim 1 wherein said input of said PIN is receive via touch input by said user of a keypad displayed by said third graphical user interface.
4. The method in accordance with claim 1 wherein said transaction terminal comprises at least one of a kiosk, ATM and POS terminal.
5. The method in accordance with claim 1 wherein said step of processing said request via said first transaction type comprises transmitting said request to a first financial processing network and said step of processing said request via said second transaction type comprises transmitting said request to a second financial processing network.
6. The method in accordance with claim 1 further comprising displaying, via said video display of said transaction terminal, a sixth graphical user interface comprising information regarding selectable financial accounts from which said request is to be processed by said first transaction type.
7. The method in accordance with claim 6 , wherein said selectable financial account are associated with said integrated circuit financial card.
8. The method in accordance with claim 6 further comprising receiving input from said user of a selection of one of the financial accounts.
9. The method in accordance with claim 1 , wherein said at least one element of monetary value comprises at least one of a gaming ticket which is redeemable at a gaming machine and currency.
10. The method in accordance with claim 1 wherein said at least one element of monetary value has a value in the amount of said requested monetary value less a transaction fee.
11. The method in accordance with claim 1 further comprising the step of automatically controlling said card reader to cause at least one integrated circuit engaging component thereof to move back to said first unengaged position after said transaction is approved.
12. The method in accordance with claim 1 further comprising the step of dispensing a receipt associated with approval of said transaction.
13. The method in accordance with claim 1 wherein said plurality of selectable financial transaction types are displayed by said first graphical user interface as selectable icons.
14. The method in accordance with claim 13 wherein said plurality of selectable financial transaction types comprise at least one PIN based and one signature based transaction type.
15. The method in accordance with claim 14 , wherein at least one of the plurality of selectable financial transaction types is associated with the dispensing of at least one element of monetary value having the form of a monetary value ticket.
16. The method in accordance with claim 1 , wherein the second transaction type is different than the first transaction type.
17. The method in accordance with claim 1 , wherein said step of receiving at least one second input from said user associated with processing of said request via a selected second transaction type comprises input of a second monetary value amount.
18. The method in accordance with claim 17 , wherein the second transaction type is the same as the first transaction type, wherein said request is processed relative to said first transaction type relative to said first monetary value amount and said request is processed relative to said second transaction type relative to said second monetary value amount.