Banking system controlled responsive to data bearing records and user input of a phone received security code

US8152055B2 · 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
• Mark A. Douglass · North Canton, US
• Dale H. Blackson · Highland Heights, US

Key dates

• Filing date: May 31, 2011
• Grant date: Apr 10, 2012
• Expiry date: May 31, 2031

Classification

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

Abstract

A banking system operates to cause financial transfers responsive to card data read from data bearing records by a card reader. The system includes at least one automated banking machine comprising a cash dispenser. The system is operative during a cash dispense transaction request to receive through an automated banking machine, user input of data corresponding to a mobile phone number. The system is operative to generate a security code for the requested cash dispense transaction. The system uses the phone number to send the generated security code to the mobile phone. The cash dispense transaction is allowed to proceed only if the system receives machine user input of the sent security code within a predetermined amount of time.