Cash dispensing automated banking machine with GPS

Apparatus comprising:

• a service provider system,
• wherein the system is operative to receive during a customer session with a mobile phone, communication data sent through the mobile phone,
• wherein the communication data includes
• a customer request for directions to the nearest automated banking machine that corresponds to automated banking machine configuration narrowing selections inputted to the mobile phone during the customer session,
• wherein the selections correspond to an automated banking machine that allows the customer to carry out a fee-free check deposit transaction that involves deposit of a check sans a deposit envelope,
• location data corresponding to GPS location of the mobile phone, and
• account data corresponding to an account associated with the customer,
• wherein the system includes at least one computer,
• wherein the at least one computer is operative to access at least one data store,
• wherein the at least one computer is configured to determine responsive at least in part on receiving the account data, at least one financial system affiliated with automated banking machines that correspond to the selections,
• wherein the at least one computer is configured to determine responsive at least in part on receiving the location data, a current location of the mobile phone,
• wherein the at least one computer is configured to determine based at least in part on
• the determined current location of the mobile phone, and
• the at least one financial system determined,
• geographic location of the nearest automated banking machine that corresponds to the selections,
• wherein the at least one computer is configured to cause to be produced, directions which include a specified route from the determined current location of the mobile phone to the determined geographic location, and
• wherein the at least one computer is configured to cause the directions to be sent to the mobile phone.

A method comprising:

• (a) operating at least one computer associated with a service provider system to receive communication data sent through a mobile phone by a customer of the service provider system,
• wherein the communication data includes phone location data associated with location of the mobile phone,
• wherein the communication data includes account data corresponding to an account associated with the customer;
• wherein the communication data includes a customer request for directions to a nearest automated banking machine having a configuration type that corresponds to customer-inputted selections to the mobile phone, which selections narrowed automated banking machine configurations available to the customer,
• wherein the configuration type corresponds to an automated banking machine that allows the customer to carry out a fee-free check deposit transaction that involves deposit of a check sans a deposit envelope;
• (b) operating the at least one computer based at least in part on the phone location data received in (a), to determine a current phone location of the mobile phone;
• (c) operating the at least one computer to determine
• based at least in part on both
• the account data received in (a), and
• the current phone location determined in (b),
• the nearest automated banking machine having the configuration type;
• (d) operating the at least one computer to cause directions to be produced, wherein the directions include a specified route from the current phone location determined in (b) to the nearest automated banking machine determined in (c);
• and
• (e) operating the at least one computer to cause the directions produced in (d) to be sent to the mobile phone.