Patent ID: 8205792

Claim:
Apparatus comprising: an automated banking machine operable responsive at least in part to data read from data bearing records, wherein the automated banking machine includes at least one reader, wherein the at least one reader is operable to read user data usable to identify a user account of a machine user, wherein the at least one reader includes a card reader, wherein the automated banking machine includes a cash dispenser, wherein the cash dispenser is operable to selectively dispense cash stored in the machine to authorized users of the machine, wherein the automated banking machine includes a user interface, wherein the user interface includes at least one user display, wherein the automated banking machine is operable to allow a user of the machine to carry out a financial transaction, responsive at least in part to the machine user being recognized as an authorized user of the machine based at least in part on computer-determined correspondence between user data read by the at least one reader, and authorized user data stored in an authorized user information data store, wherein the automated banking machine includes a machine computer, wherein the machine computer is in operative connection with at least one communications interface, wherein the machine computer is operable to cause operation of the at least one reader, the cash dispenser, the at least one user display, and the at least one communications interface, wherein the machine computer includes a virtual machine operating therein, wherein the virtual machine is operable to cause the machine computer to operate the card reader to read user data from a user card, and send the read user data to the virtual machine, wherein the virtual machine is operable to receive from the card reader through causing operation of the machine computer, the read user data, wherein the virtual machine is operable to send to a financial transaction host through causing the machine computer to operate the at least one communications interface, at least one transaction request message that includes the read user data, and a request for authorization of a cash dispense transaction requested by a user of the automated banking machine, wherein the virtual machine is operable to receive from the financial transaction host through causing the machine computer to operate the at least one communications interface, authorization for the cash dispense transaction, wherein the virtual machine is operable responsive at least in part to receiving the authorization for the cash dispense transaction, to cause the machine computer to operate the cash dispenser to dispense cash.