Patent ID: 8260707

Claim:
A method of processing an automated teller machine (ATM) transaction comprising: receiving transaction information over a network from a user for initiating the ATM transaction from a remotely-located networked device, wherein the receiving the transaction information occurs prior to the user arriving at an ATM for completing the ATM transaction; creating a pending ATM transaction based at least partially on the transaction information; storing the pending ATM transaction into a queue, the queue being accessible by an ATM without any further communication with the networked device after the pending ATM transaction has been created, the queue being accessible upon authentication of the user at an ATM for completing the transaction; receiving authentication of the user at an ATM; querying the queue to determine if any pending ATM transactions are stored in the queue; prompting, at the ATM, the user to select the pending ATM transaction for completion, wherein the pending ATM transaction is presented to the user at the ATM; retrieving the selected pending ATM transaction from the queue for completion and completing the retrieved selected pending ATM transactions at the ATM.