Granted Patent B2

US 7,954,703 · App. 12/800,878 · Granted Jun 7, 2011

Assignee: Diebold Self-Service Systems division of Diebold, Incorporated

Abstract

Claims (113)

1. Apparatus comprising:

a banking system comprising:

at least one automated banking machine,

wherein the at least one automated banking machine 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:

at least one card reader,

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

at least one cash dispenser,

 wherein the at least one cash dispenser is operative to cause stored cash to be dispensed,

at least one computer,

 wherein the at least one computer is in operative connection with the at least one 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 at least one 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,

wherein the at least one automated banking machine is operative 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 for a cash dispense transaction associated with a particular amount of cash,

a server,

wherein the server is located remotely from the at least one automated banking machine,

wherein the server is operative to receive from the at least one automated banking machine, at least one message associated with the request,

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

wherein the server is operative cause at least one message associated with the cash dispense transaction to be sent to a customer phone having the customer phone number,

wherein the at least one message includes

 customer notification of the cash dispense transaction, and

 the transaction security code,

wherein the at least one automated banking machine is operative to receive from a machine user, at least one user input including the transaction security code,

wherein the at least one automated banking machine is operative to cause the particular amount of cash to be dispensed through operation of the at least one cash dispenser, responsive at least in part to the transaction security code being received by the at least one automated banking machine within a predetermined time period in which the security code is required to be received to allow the cash dispense transaction to proceed.

2. The apparatus according to claim 1

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

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

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

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

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

3. The apparatus according to claim 2

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

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

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

4. The apparatus according to claim 1 wherein the at least one automated banking machine is in operative connection with at least one transaction host operative to authorized the cash dispense transaction, and wherein the server differs from the at least one transaction host.

5. The apparatus according to claim 1 wherein the at least one automated banking machine is a sole self-service automated banking machine,

wherein the sole self-service automated banking machine is operative to receive the secret code, the data corresponding to a customer phone number, the request for the cash dispense transaction, and the transaction security code,

wherein the sole self-service automated banking machine is operative to dispense the particular amount of cash.

6. The apparatus according to claim 1 wherein the transaction security code is time sensitive, wherein the transaction security code is required to be received by the at least one automated banking machine within the predetermined time period to prevent cancellation of the cash dispense transaction.

7. A method comprising:

(a) carrying out automated banking machine-receiving of user input of a secret code;

(b) carrying out automated banking machine-receiving of user input of a request for automated banking machine-dispensing of a particular amount of cash;

(c) subsequent to (b), carrying out automated banking machine-notifying of a remote server of a transaction corresponding to the request;

(d) subsequent to (c), carrying out through operation of the server, generation of a security code for the transaction;

(e) subsequent to (d), carrying out through operation of the server, a sending of a message to a customer mobile phone associated with the request, wherein the message includes

customer notification of the transaction, and

the security code generated in (d), wherein the security code is associated with a predetermined time period in which the security code is required to be automated banking machine-received to allow the transaction to proceed;

(f) subsequent to (e), carrying out automated banking machine-receiving of user input of the security code; and

(g) carrying out automated banking machine-dispensing of the particular amount of cash through operation of at least one cash dispenser, responsive at least in part to the user input in (f) being received within the predetermined time period.

8. The method according to claim 7

wherein steps (a), (b), (c), (f), and (g) are carried out in a banking system including a plurality of automated banking machines,

wherein each automated banking machine includes at least one computer, a card reader, a biometric reader, and a cash dispenser,

wherein steps (a), (b), (c), (f), and (g) include operation of at least one automated banking machine in operative connection with at least one transaction host operative to authorized the transaction,

wherein in steps (d), and (e) the server differs from the at least one transaction host

and further comprising:

(h) operating the at least one computer to control at least one of

the card reader to read user card data; and

the biometric reader to read user biometric data,

(i) authorizing a machine user to request the transaction responsive at least in part to at least one of

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

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

9. The method according to claim 7 and further comprising

(h) prior to (d), carrying out automated banking machine-receiving of at least one user input of data corresponding to a customer phone number affiliated with the customer mobile phone;

wherein (e) includes operating the server to cause the at least one message to be sent to the customer mobile phone through use of the customer phone number.

10. The method according to claim 7 wherein steps (a), (b), (c), (f), and (g) are carried out through operation of the same automated banking machine.

11. Apparatus comprising:

a system,

wherein the system includes at least one automated banking machine,

wherein the at least one automated banking machine includes at least one cash dispenser,

wherein the at least one automated banking machine is operative to receive at least one machine user input including:

a secret code,

data corresponding to a customer phone number,

a request for a cash dispense transaction associated with a particular amount of cash, and

a time-sensitive transaction security code being:

 associated with the cash dispense transaction request,

 different from the secret code,

 server-generated,

 server-sent using the customer phone number, and

 automated banking machine-receivable within a predetermined time period to prevent cancellation of the cash dispense transaction;

wherein the at least one automated banking machine is operative to cause the particular amount of cash to be dispensed through operation of the at least one cash dispenser, responsive at least in part to the transaction security code being received by the at least one automated banking machine from a machine user within the predetermined time period.

12. The apparatus according to claim 11 wherein the customer phone number is affiliated with a customer mobile phone,

and further comprising a server located remotely from the at least one automated banking machine,

wherein the server is operative to generate the transaction security code,

wherein the server is operative to cause the transaction security code to be sent to the customer mobile phone through use of the customer phone number.

13. The apparatus according to claim 12 wherein the at least one automated banking machine is in operative connection with at least one transaction host operative to authorized the cash dispense transaction and wherein the server differs from the at least one transaction host.

14. The apparatus according to claim 12 wherein the transaction security code comprises a randomly-generated security code, wherein the secret code comprises a user-selected code.

15. The apparatus according to claim 11 wherein the at least one automated banking machine is a sole self-service automated banking machine, wherein the cash dispenser is operative to physically dispense currency notes from the machine.

16. The apparatus according to claim 11 wherein the predetermined time period comprises a time period in which the security code is required to be automated banking machine-received to allow the cash dispense transaction to proceed.

17. A method comprising:

(a) carrying out automated banking machine-receiving of at least one user input including a secret code;

(b) carrying out automated banking machine-receiving of at least one user input including data corresponding to a customer phone number;

(c) carrying out automated banking machine-receiving of at least one user input including a request for a cash dispense transaction associated with a particular amount of cash;

(d) subsequent to (a), (b), and (c), carrying out automated banking machine-receiving of at least one user input including a time-sensitive transaction security code being:

associated with the cash dispense transaction request,

different from the secret code,

server-generated,

server-sent using the customer phone number, and

automated banking machine-receivable within a predetermined time period to prevent cancellation of the cash dispense transaction; and

(e) carrying out automated banking machine-dispensing of the particular amount of cash through operation of at least one cash dispenser, responsive at least in part to the transaction security code being received in (d) within the predetermined time period.

18. The method according to claim 17

wherein (a), (b), and (c) are carried out with a first automated banking machine,

wherein (d) and (e) are carried out with a second automated banking machine,

wherein the second automated banking machine differs from the first automated banking machine.

19. The method according to claim 17 wherein the customer phone number is affiliated with a customer mobile phone, and further comprising

(f) operating a server to cause the transaction security code to be sent to the customer mobile phone through use of the customer phone number.

20. The method according to claim 19 and further comprising

(g) prior to (f), operating the server to generate the transaction security code.

Assignments (4)

Continuity (27)