Patent ID: 8434678

Claim:
Apparatus comprising: an automated banking machine, a financial transaction host, and a server, wherein the machine is operative to communicate with both the host and the server, wherein the machine is operative to communicate with the host independent of communication with the server, wherein the machine is operative to communicate with the server independent of communication with the host, wherein the machine includes a plurality of transaction function devices, wherein the transaction function devices include a display device, a cash dispenser, and at least one reader device operative to read user data provided by a first machine user during a user session with the machine, wherein the host is operative to selectively determine whether financial transactions for respective users are to be authorized or denied, wherein the host is operative to authorize or deny a financial transaction for the first machine user, wherein the host is remotely located from the machine, wherein the server is operative to selectively determine for respective users, whether or not the machine is allowed to carry out at least one transaction function which includes operation of at least one of the transaction function devices, wherein the server is operative to determine independent of a determination by the host regarding the financial transaction for the first machine user, whether or not the machine is allowed to carry out the at least one transaction function for the first machine user, wherein the server is remotely located from both the machine and the host, wherein the machine is operative to cause user data read by at least one reader device to be communicated to the server; wherein the server is operative responsive to receiving the user data communicated, to determine whether or not the machine is allowed to carry out the at least one transaction function for the first machine user, wherein the server is operative to cause machine operation during remainder of the user session to be in accordance with the server determination, regardless of whether the financial transaction for the first machine user is authorizable by the host, and wherein the server is a non-host server.