1. A method for securely accessing an automated banking machine by cell phone comprising: providing a cell phone containing circuitry that generates a unique security transaction code, said unique security transaction code is comprised of a unique cell phone identification number for said cell phone concatenated with two pseudo random codes; calling an automated banking machine from said cell phone; determining a software emulator of said circuitry embedded within said cell phone at said automated banking machine, said software emulator running on said automated banking machine; inputting at least one of said pseudo random codes into said software emulator to generate a computed pseudo random code, which when concatenated with said input pseudo random code and a cell phone identification number determined at said automated banking machine generates a computed transaction code; and securely accessing said automated banking machine using said cell phone if said computed transaction code matches said unique security transaction code.