Patent ID: 8011572

Claim:
A method comprising: (a) receiving at least one input from a machine user through operation of at least one input device of a banking transaction machine, wherein the machine includes a keypad, a cash dispenser, and a card reader operable to read data from a card corresponding to a financial account; (b) operating the machine to dispense cash from the cash dispenser for a financial Account, responsive at least in part to a determination made as to whether voice data recieved from the machine user corresponds to stored voice data in at least one data store, (i) wherein when the determination indicates that the voice data received corresponds to stored voice data in the at least one data store, then the machine operates to dispense the cash without requiring the card reader to read card data that corresponds to the financial account; (ii) wherein when the determination indicates that the voice data received does not correspond to stored voice data in the at least one data store, then the machine operates to dispense the cash based at least in part on communication from a host system verifying that the user is authorized to withdrawal cash from the financial account responsive at least in part to at least one of: card data read from a card by the card reader; corresponding to the financial account, and data received through operation of the keypad, corresponding to a personal identification number (PIN), and wherein (ii) causes the at least one data store to be updated with data associated with the voice data received.