Registers – Systems controlled by data bearing records – Banking systems
Reexamination Certificate
2011-01-04
2011-01-04
St.Cyr, Daniel (Department: 2876)
Registers
Systems controlled by data bearing records
Banking systems
C235S380000
Reexamination Certificate
active
07861924
ABSTRACT:
An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data corresponding to a user financial account. The card data is linked in at least one data store to an indication that the card data corresponds to an authorized financial account to enable operation of the automated banking machine. The card data is also linked in the at least one data store to a mobile communication device (i.e., cell phone of an owner associated with the financial account). In response to receipt of card data and a transaction request from an automated banking machine, contact data for the owner's cell phone is determined and a message notifying the owner of the requested transaction is sent. The transaction is completed only if the owner provides a responsive message granting permission for the transaction to proceed. Alternatively or in addition transaction authorization may be based on the then current location of the owner's cell phone adjacent to the automated banking machine, and/or other criteria.
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Blackson Dale H.
Block James
Enright Jeffery M.
Graef H. Thomas
Ramachandran Natarajan
Diebold Self-Service Systems division of Diebold Incorporated
Jocke Ralph E.
St.Cyr Daniel
Walker & Jocke
Wasil Daniel D.
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