Patent ID: 8800862

Claim:
An automated teller machine (ATM) configured to provide an enhanced cash withdrawal transaction option, the ATM comprising: an ATM keypad configured to receive information corresponding to a numerical input, the numerical input comprising at least a first set of numerical digits corresponding to a Personal Identification Number (“PIN”) and a second set of numerical digits corresponding to a cash withdrawal amount; an ATM receiver configured to receive user identification information; an ATM processor configured to determine if the first set of numerical digits corresponds to a valid PIN or to receive a determination if the first set of numerical digits corresponds to a valid PIN, the determination being based at least in part on the user identification information, wherein the ATM keypad is configured to receive the second set of numerical digits prior to determining whether the first set of numerical digits corresponds to the valid PIN or prior to receiving the determination whether the first set of numerical digits corresponds to the valid PIN; in the event that the ATM processor determines, or receives a determination that, the first set of numerical digits corresponds to a valid PIN, the ATM processor being further configured to determine if the second set of numerical digits corresponds to a cash withdrawal amount or to receive a determination that the second set of numerical digits corresponds to a cash withdrawal amount; in the event that the ATM processor determines, or receives a determination that, the second set of numerical digits corresponds to a cash withdrawal amount, the ATM processor being further configured to determine if a financial institution authorizes the ATM to dispense the cash withdrawal amount or to receive a determination that the financial institution authorizes the ATM to dispense the cash withdrawal amount; and an ATM cash dispenser being configured to dispense the cash withdrawal amount in the event that the ATM processor determines, or receives a determination that, the financial institution authorizes the ATM to dispense the cash withdrawal amount, wherein: the ATM processor is configured to determine if the financial institution authorizes the ATM to dispense the cash withdrawal amount by routing information relating to the user identification information and the second set of numerical digits to a third party via a telecommunications network.