Patent ID: 8091778

Claim:
Apparatus comprising: a computer system associated with a banking system comprising at least one bank including a first bank, wherein the banking system includes a plurality of customer transaction locations, wherein at least one customer transaction location includes a first customer transaction location comprising a card reader operative to read customer card data from a data bearing card, wherein the banking system is operative to utilize customer card data read by the card reader in authorizing use of the first customer transaction location by a transaction location customer to carry out a financial transaction associated with a financial account of the transaction location customer, wherein the computer system is operative to receive data provided through a customer device by a banking customer remotely located from the first bank, where the data corresponds to a customer request for a banking transaction and includes personal information, wherein the computer system is operative responsive at least in part to receiving the data, to obtain customer information corresponding to the banking customer from at least one banking data store, wherein the computer system is operative responsive at least in part to receiving the data, to determine that the banking transaction needs to be completed at a bank, wherein the computer system is operative responsive at least in part to the determination, to cause at least one message to be sent to the first bank, wherein the at least one message is indicative of impending arrival of the banking customer at the first bank, wherein the at least one message includes the customer information, wherein the computer system is operative to cause the at least one message to be sent to the first bank prior to arrival of the banking customer at the first bank.