Transaction dependent on ATM receiving user input of the security code sent during transaction to account'S designated mobile phone

US7946480B2 · kind B2 · utility

Assignee

• Diebold Self-Service Systems, Division of Diebold, Incorporated · US

Inventors

• Willis Miller · Cuyahoga Falls, US
• Matthew R. Zaugg · Munroe Falls, US
• James Block · North Lawrence, US
• H. Thomas Graef · Bolivar, US
• Natarajan Ramachandran · Uniontown, US
• Jeffery M. Enright · Akron, US
• Dale H. Blackson · Highland Heights, US
• Mark A. Douglass · North Canton, US

Key dates

• Filing date: Sep 4, 2009
• Grant date: May 24, 2011
• Expiry date: Sep 4, 2029

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F19/205
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that reads card data from a card of a machine user. The card data is linked in a data store to both a customer's financial account and a cell phone assigned to that customer. In response to the user's transaction request, contact data for the assigned cell phone is determined from the data store using the read card data. A transaction security code is then sent to that cell phone. The transaction is allowed to proceed only if the user inputs the sent security code to the machine within a predetermined amount of time. Transaction allowance may also be based on a real time determination that the assigned cell phone is physically located proximate the machine.