Method and system of contactless interfacing for smart card banking

• US 10,078,834 B2
• Filed: 03/28/2011
• Issued: 09/18/2018
• Est. Priority Date: 01/30/1998
• Status: Expired due to Fees

• Current Assignee: Citicorp Credit Services Incorporated (Citigroup Incorporated)
• Original Assignee: Citicorp Credit Services Incorporated (Citigroup Incorporated)
• Inventors: Kawan, Joseph C.
• Primary Examiner(s): Felten, Daniel S
• Application Number:
  US13/073,375
• Publication Number:
  US 20110173121A1
• Time in Patent Office: 2,731 Days
• Field of Search: 705 35, 235379, 235380, 709229
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/202 Depositing operations within ATMs depositing in general G07D11/00
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07F 7/1025 Identification of user by a PIN code

Abstract

A method and system of smart card banking utilizes a contactless communication interface, such as infrared or a wireless or radio frequency interface, including, for example, a proximity interface. A contactless communication is initiated for a smart card user between a smart card application and the on-line system of a financial institution, such as a bank, the system verifies authorization for the communication, the information is communicated for the user to the on-line system. The contactless communication is initiated, and the information is communicated, for example, between a contactless interface transceiver of a personal data assistant, into which the smart card is inserted, and the contactless interface transceiver of an on-line terminal. Alternatively, the contactless communication is initiated, and the information is communicated between a contactless interface transceiver of the smart card and the contactless interface transceiver of the terminal.

Claims

1. A method of operating an automated teller machine, the method comprising:

receiving, by the automated teller machine and from a portable device carried by a user, verification information received from the portable device upon the portable device being placed in alignment with an emitter of the automated teller machine;

determining, by the automated teller machine, whether the verification information received from the portable device carried by the user is valid;

receiving, by the automated teller machine and from the portable device carried by the user, a request to conduct a financial transaction at the automated teller machine, wherein the user enters the request on the portable device; and

upon receiving the request from the portable device placed in alignment with the emitter of the automated teller machine and being verified when the verification information is received from the portable device is valid, activating, by the automated teller machine, a money dispenser associated with the automated teller machine in response to the request to conduct the financial transaction and without displaying every selection screen on a user interface of the automated teller machine that is used when the financial transaction is conducted on the automated teller machine without the portable device.

2. A method according to claim 1, wherein the verification information is stored on the portable device.

3. A method according to claim 1, wherein the automated teller machine does not comprise a screen or a keyboard.

4. A method according to claim 1, wherein the verification information comprises a personal identification number (PIN).

5. A method according to claim 1, wherein the verification information comprises biometric information.

6. The method according to claim 1, further comprising inserting a smart card into the portable device such that the smart card may be updated with information about the financial transaction.

7. The method according to claim 1, wherein the automated teller machine receives the information about a financial transaction through a wireless connection between the automated teller machine and the portable device.

8. The method according to claim 1, wherein the verification information received from the portable device is inputted by a user into the portable device.

9. A method of operating an automated teller machine to conduct a financial transaction, the method comprising:

initiating communication between a portable device of a user and the automated teller machine upon the portable device being placed in alignment with an emitter of the automated teller machine;

receiving, by the automated teller machine, verification information transmitted from the portable device;

verifying, by either the automated teller machine or a financial institution connected to the automated teller machine, the verification information;

receiving, by the automated teller machine, a request to conduct the financial transaction from the portable device; and

upon receiving the request from the portable device placed in alignment with the emitter of the automated teller machine and being verified when the verification information is received from the portable device is valid, activating, by the automated teller machine, a money dispenser associated with the automated teller machine, in response to the request to conduct the financial transaction and without displaying every selection screen on a user interface of the automated teller machine that is used when the financial transaction is conducted on the automated teller machine without the portable device.

10. The method according to claim 9, wherein the portable device comprises an input/output means.

11. The method according to claim 9, wherein the automated teller machine does not comprise a keypad or a screen.

12. The method according to claim 9, wherein the verification information comprises biometric information.

13. The method according to claim 9, wherein the verification information comprises a personal identification number (PIN).

14. The method according to claim 9, further comprising inserting a smart card into the portable device such that the portable device may act as a conduit between the smart card and the automated teller machine.

15. The method according to claim 14, wherein the smart card is verified by the financial transaction terminal or financial institution connected to the automated teller machine.

16. An automated teller machine for enabling a user to conduct a financial transaction, the automated teller machine comprising:

a connection to a financial institution that is operable to execute the financial transaction;

a communication port that is operable to transmit and/or receive financial transaction information to and/or from a portable device of the user upon the portable device being place in alignment with an emitter of the automated teller machine;

a dispenser through which cash can be dispensed during the financial transaction; and

a user interface configured to display a first set of selection screens when the financial transaction is conducted without the portable device and a second set of selection screens when the financial transaction is conducted with the portable device, wherein the second set of selection screens has fewer selection screens than the first set of selection screens;

wherein the dispenser is activated, by the automated teller machine, upon receiving the request from the portable device placed in alignment with the emitter of the automated teller machine and when verification information received from the portable device is determined to be valid,

wherein the activation of the dispenser is in response to the request to conduct the financial transaction received from the portable device,

wherein the activation of the dispenser comprises displaying the second set of selection screen comprising fewer selection screens than the first set of selection screens.

17. The financial transaction terminal according to claim 16, wherein the automated teller machine is operable in a first mode in which the automated teller machine customer can enter information using the user interface located on the automated teller machine, and in a second mode in which the automated teller machine customer can enter information using an input/output means of the portable device.

18. The automated teller machine according to claim 16, wherein the automated teller machine user interface provides no keypad to the user and provides no display to the user.

19. The automated teller machine according to claim 16, wherein the communication port is operable to transmit and/or receive verification information of a user such that the financial transaction terminal and/or the financial institution can authorize the financial transaction.

20. The automated teller machine according to claim 19, wherein the verification information is stored on the portable device.

21. The automated teller machine according to claim 16, wherein the portable device has a smart card inserted therein.