Patent ID: 7883007

Claim:
Apparatus comprising: an automated transaction machine that operates to cause financial transfers responsive to data read from data bearing records, including: a housing; at least one output device, wherein the at least one output device includes a display and an audio output device; at least one input device in operatively supported connection with the housing, wherein the at least one input device includes a card reader and an audio input device; at least one computer in operative connection with the at least one output device and the at least one input device, wherein the at least one computer includes computer executable instructions including at least a portion of each of speech recognition software, speech generation software and software operative to cause an image of a simulated person to be output through the display, wherein the at least one computer is operative to receive a request for a transaction having an associated monetary amount through receipt of at least one verbal input received from a machine user through operation of the audio input device, wherein the at least one verbal input is received responsive to at least one simulated speech output caused to be output through the audio output device responsive to operation of the at least one computer, wherein the machine is configured such that the at least one simulated speech output appears to the machine user to come from the visual image of the simulated person output through the display, and wherein the at least one computer is further operative to cause the amount to be assessed to a source of monetary value associated with a card read through operation of the card reader.