Patent ID: 8701984

Claim:
A method comprising: (a) providing to a merchant, an automated banking machine operable to cause financial transfers responsive at least in part to data read from data bearing records, wherein the machine includes: at least one reader operable to read user data usable to identify a financial account on which financial transactions are carried out, a lockable housing, wherein the lockable housing bounds an interior area, a cash dispenser, a processor arrangement, wherein the processor arrangement includes at least one processor, wherein the at least one processor is in operative connection with the at least one reader and the cash dispenser, wherein the at least one processor includes dedicated programming, wherein the programming causes the cash dispenser to dispense cash from the machine responsive at least in part to communication of at least one message only between the machine and at least one remote system, wherein the processor arrangement is within the interior area, wherein the processor arrangement is configured to prevent a changing of the programming by the merchant that would enable communication of the at least one message between the machine and any remote system other than the at least one remote system, wherein the machine is provided for less than fair market cost of providing the machine to the merchant; (b) subsequent to (a), operating at least one remote computer to: (bi) allow the machine to dispense cash to at least one user of the machine, and (bii) cause at least one transaction fee to be assessed to the at least one user of the machine; (c) subsequent to (b), operating the at least one remote computer to determine a total amount of transaction fees that were assessed to users of the machine during a predetermined time period; and (d) operating the at least one remote computer to calculate an amount of the total amount determined in (c) that is payable to the merchant.