Transaction dependent on ATM receiving user input of the security code sent during transaction to account'S designated mobile phone
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United States of America Patent
Stats
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May 24, 2011
Grant Date -
Mar 11, 2010
app pub date -
Sep 4, 2009
filing date -
Apr 17, 1998
priority date (Note) -
In Force
status (Latency Note)
Importance
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.
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