Automated teller machine with an encrypting card reader and an encrypting pin pad
First Claim
1. A tangible, non-transitory computer readable medium of instructions having instructions encoded thereon for execution by processor, and when executed operable to:
- receive data from an encrypting reader that is operable to receive data representative of an account provided by a device associated with the user, wherein the data received from the encrypting reader comprises the data representative of an account encrypted by a key associated with the encrypting reader;
decrypt the data representative of the account;
obtain data representative of a personal identification number (PIN);
encrypt the data representative of the account with a key associated with a host computer;
encrypt the data representative of the PIN with the key associated with the host computer;
send the data representative of the account encrypted by the key associated with the host computer to the host computer;
send the data representative of the PIN encrypted by the key associated with the host computer to the host computer;
receive data representative of a notification for a transaction function device from a remote computer;
decrypt the data representative of a notification for the transaction function device from the remote computer;
encrypt the data representative of a notification with a key associated with the transaction function device; and
send the data representation of a notification encrypted with the key associated with the transaction function device to the transaction function device.
20 Assignments
0 Petitions
Accused Products
Abstract
A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The machine also includes a PIN keypad. The card reader can send encrypted card data to the keypad. The keypad can decipher the encrypted card data. The keypad can encrypt both deciphered card data and a received user PIN. The card data and the PIN are usable by the machine to authorize a user to carry out a financial transfer involving the account.
11 Citations
32 Claims
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1. A tangible, non-transitory computer readable medium of instructions having instructions encoded thereon for execution by processor, and when executed operable to:
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receive data from an encrypting reader that is operable to receive data representative of an account provided by a device associated with the user, wherein the data received from the encrypting reader comprises the data representative of an account encrypted by a key associated with the encrypting reader; decrypt the data representative of the account; obtain data representative of a personal identification number (PIN); encrypt the data representative of the account with a key associated with a host computer; encrypt the data representative of the PIN with the key associated with the host computer; send the data representative of the account encrypted by the key associated with the host computer to the host computer; send the data representative of the PIN encrypted by the key associated with the host computer to the host computer; receive data representative of a notification for a transaction function device from a remote computer; decrypt the data representative of a notification for the transaction function device from the remote computer; encrypt the data representative of a notification with a key associated with the transaction function device; and send the data representation of a notification encrypted with the key associated with the transaction function device to the transaction function device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A method, comprising:
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receiving by a processor associated with an encrypting personal identification number pad (EPP) data from an encrypting reader that is operable to receive data representative of an account provided by a device associated with the user, wherein the data received from the encrypting reader comprises the data representative of an account encrypted by a key associated with the encrypting reader; decrypting by the processor associated with the EPP the data representative of the account; obtaining by the processor associated with the EPP data representative of a personal identification number (PIN); encrypting by the processor associated with the EPP the data representative of the account with a key associated with a host computer; encrypting by the processor associated with the EPP the data representative of the PIN with the key associated with the host computer; sending by the processor associated with the EPP the data representative of the account encrypted by the key associated with the host computer to the host computer; sending by the processor associated with the EPP the data representative of the PIN encrypted by the key associated with the host computer to the host computer; receiving by the processor associated with the EPP data representative of a notification for a transaction function device from a remote computer; decrypting by the processor associated with the EPP the data representative of a notification for the transaction function device from the remote computer; encrypting by the processor associated with the EPP the data representative of a notification with a key associated with the transaction function device; and sending by the processor associated with the EPP the data representation of a notification encrypted with the key associated with the transaction function device to the transaction function device. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32)
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Specification