Patent ID: 8430306

Claim:
Apparatus comprising: an automated transaction machine operable responsive at least in part to data read from data bearing records to cause financial transfers, wherein the machine includes at least one data reader, wherein the at least one data reader is operable to read customer data usable to identify a financial account, wherein the machine is associated with at least one processor, wherein the at least one processor is operative to communicate with a financial transaction host that is both remotely located from the machine and operable to authorize the machine to carry out requested financial transactions, wherein the at least one processor is operative to cause customer data read by the at least one data reader to be communicated to the financial transaction host, wherein the at least one processor is operative independent of communication with the financial transaction host, to communicate with a determining computer that is remotely located from both the machine and the financial transaction host, wherein the at least one processor is operative to cause customer data read by the at least one data reader to be communicated to the determining computer, wherein the at least one processor is operative to receive from the determining computer, a reply message that is based at least in part on the customer data, wherein the at least one processor is operative, responsive at least in part to both receiving the reply message, and the financial transaction host authorizing the machine to carry out a requested financial transaction, to cause the machine to carry out the requested financial transaction.