Patent ID: 8510222

Claim:
An automated teller machine (ATM) comprising: a host operating system to host a plurality of virtual automated teller machines (VATMs) resident in the ATM; a plurality of peripherals including a user interface for interacting with a user providing user information; the VATMs networked to a plurality of financial institutions, each VATM having its own operating system separate from the host operating system, its own ATM software application resident in the ATM, its own menu of banking options resident in the ATM for providing to the user, and its own virtual peripheral modules to control access of the each VATM to the plurality of peripherals; and an interface to communicate between the VATMs and the plurality of peripherals, receive the user information from the user interface, identify the user's financial institution, link the user with the user's financial institution through a selected VATM corresponding to the user's financial institution and provide the menu of banking options to the user as if the user were using an ATM dedicated to the user's financial institution.