Patent ID: 7954703

Claim:
Apparatus comprising: a banking system comprising: at least one automated banking machine, wherein the at least one automated banking machine is operative to cause financial transfers responsive at least in part to data read from user cards, wherein the at least one automated banking machine includes: at least one card reader, wherein the at least one card reader is operative to read from a card of a machine user, card data corresponding to user identification data, at least one cash dispenser, wherein the at least one cash dispenser is operative to cause stored cash to be dispensed, at least one computer, wherein the at least one computer is in operative connection with the at least one card reader and the at least one cash dispenser, wherein the at least one computer is operative during a transaction to cause card data to be read from a user card through operation of the at least one card reader, and cause cash to be dispensed from the machine through operation of the at least one cash dispenser, wherein the at least one computer is operative to cause a financial account to be assessed a value associated with cash dispensed, wherein the at least one automated banking machine is operative to receive from a machine user, at least one user input including a secret code, data corresponding to a customer phone number, and a request for a cash dispense transaction associated with a particular amount of cash, a server, wherein the server is located remotely from the at least one automated banking machine, wherein the server is operative to receive from the at least one automated banking machine, at least one message associated with the request, wherein the server is operative to generate a transaction security code associated with the cash dispense transaction, wherein the server is operative cause at least one message associated with the cash dispense transaction to be sent to a customer phone having the customer phone number, wherein the at least one message includes customer notification of the cash dispense transaction, and the transaction security code, wherein the at least one automated banking machine is operative to receive from a machine user, at least one user input including the transaction security code, wherein the at least one automated banking machine is operative to cause the particular amount of cash to be dispensed through operation of the at least one cash dispenser, responsive at least in part to the transaction security code being received by the at least one automated banking machine within a predetermined time period in which the security code is required to be received to allow the cash dispense transaction to proceed.