Patent ID: 7686213

Claim:
A method of using a portable wireless phone to conduct a cardless customer transaction with a transaction system including networked fund dispensing automated banking machines, wherein the phone is usable by a customer involved in the customer transaction, wherein the customer transaction includes operation of one machine of the automated banking machines to dispense funds to the customer, wherein the using of the phone enables the entire customer transaction to be conducted sans a customer card and sans physical contact between the customer and the one machine, wherein the using of the phone includes: (a) operating the phone to wirelessly initiate the customer transaction with the transaction system; (b) operating the phone to wirelessly transmit a funds request to the transaction system, wherein the funds request includes an account number identifier and specifies an amount of funds requested to be dispensed; and (c) operating the phone to wirelessly receive receipt data originating from the transaction system, wherein the receipt data is associated with the amount of funds specified in step (b).