Patent ID: 7637420
Filing Date: 2009-12-29
Classification: G06Q,G07F

Abstract:
1. A method of operating an automated teller machine (ATM), the method comprising: a) receiving from a portable device carried by an ATM customer a request to conduct an ATM transaction at the ATM; b) receiving from the portable device carried by the ATM customer a transaction authorization message which is associated with the requested ATM transaction and which the ATM customer has obtained from an authorization center of a financial institution before making the requested ATM transaction at the ATM and in connection with the requested ATM transaction; c) examining the transaction authorization message which has been received from the portable device carried by the ATM customer to determine if the transaction authorization message is valid; and d) executing the requested ATM transaction without obtaining any additional transaction authorization message from an authorization center of a financial institution when the transaction authorization message received from the portable device carried by the ATM customer is determined to be valid.