US Patent 9010627 Initiating a kiosk transaction

A method of initiating a banking transaction at a banking terminal is provided. The method includes optically capturing machine readable identification data of the banking terminal by a mobile device of a customer. A terminal identifier of the banking terminal is determined based on the machine readable identification data. Account information and the terminal identifier are transmitted from the mobile device for delivery to a server. The account information is associated with the customer and stored in the mobile device. The method also includes the step of transmitting the account information from the server to the banking terminal using the terminal identifier and receiving a customer transaction request from the customer at the banking terminal.