Patent ID: 8807424

Claim:
A method involving at least one processor associated with an automated banking machine that includes both at least one data reader operable to read customer data usable to identify a financial account and a cash dispenser operable to dispense currency notes, wherein the at least one processor is operable to communicate with a financial transaction host that is operable to authorize responsive at least in part to customer data read by the at least one data reader, a machine transaction that involves dispense of at least one currency note through operation of the cash dispenser, wherein the at least one processor is operable to communicate, independent of communication with the financial transaction host, with a remote computer which is remotely located from both the machine and the financial transaction host and which is configured to authorize a machine transaction that involves dispense of at least one item of monetary value that differs from a currency note, wherein the method comprises: (a) operating the at least one processor to cause the at least one data reader to read customer data that is usable to identify a customer account; (b) operating the at least one processor to cause at least one message to be communicated independent of communication with the financial transaction host, to the remote computer, wherein the at least one message includes the customer data read in (a); (c) operating the at least one processor to cause at least one transaction data message to be communicated to the financial transaction host, wherein the at least one transaction data message includes the customer data read in (a); (d) operating the at least one processor to receive from the remote computer, at least one reply message that is based at least in part on the at least one message communicated in (b); (e) operating the at least one processor to receive from the financial transaction host, at least one transaction authorization message that is based at least in part on the at least one transaction data message communicated in (c); (f) operating the at least one processor responsive at least in part to the at least one transaction authorization message received in (e), to cause the cash dispenser to dispense at least one currency note; and (g) operating the at least one processor responsive at least in part to the at least one reply message received in (d), to cause the machine to dispense the at least one item of monetary value.