Patent ID: 7490758

Claim:
A method comprising: (a) operating a mobile phone to wirelessly send at least one message from the mobile phone, wherein the at least one message corresponds to a request from a user of the mobile phone for preauthorization of an automated teller machine (ATM) cash withdrawal transaction, wherein the at least one message includes data corresponding to a financial account and a digital certificate, wherein the mobile phone includes a browser and a display device; (b) responsive to step (a), wirelessly receiving with the mobile phone, preauthorization for a later executable ATM cash withdrawal transaction that is dependent on the user being adjacent an ATM; (c) subsequent to step (b), operating the phone to postpone the preauthorized cash withdrawal transaction; (d) subsequent to step (c), operating the phone to wirelessly send a dispense commence message requesting that the preauthorized cash withdrawal transaction be executed by an ATM; (e) responsive to step (d), wirelessly receiving with the browser, at least one instruction message associated with a particular ATM; (f) responsive to step (e), providing through the display device, at least one message instructing the user how to provide evidence to the particular ATM that the user is physically located adjacent the particular ATM in order to cause the particular ATM to dispense an amount of cash corresponding to the preauthorized cash withdrawal transaction; and (g) subsequent to step (f), wirelessly receiving at least one transaction completion communication with the mobile phone responsive to operation of the particular ATM, wherein the at least one transaction completion communication includes information associated with execution of the preauthorized cash withdrawal transaction by the particular ATM.