AUTOMATED TELLER MACHINE WITH FRAUD DETECTION SYSTEM

• US 20080195540A1
• Filed: 02/14/2007
• Published: 08/14/2008
• Est. Priority Date: 02/14/2007
• Status: Abandoned Application

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Martin, Robert A., Gee, Steven Samuel
• Application Number:
  US11/675,022
• Publication Number:
  US 20080195540A1
• Time in Patent Office: Days
• US Class Current: 705/43
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/203 Dispensing operations within ATMs dispensing in general G07D11/00

Abstract

One embodiment involves a method for detecting fraud occurring at an Automatic Teller Machine (“ATM”). The ATM may include at least one cassette holding a denomination of paper currency to dispense. In one step, an ATM network host computer system receives a communications signal from the ATM. The signal comprises a transaction request to withdraw funds from the ATM by a user of the ATM. The communications signal also includes a transaction denomination value for the cassette holding the paper currency to dispense. The ATM network host computer system evaluates whether the transaction denomination value is different from an expected denomination value for the cassette. The transaction request is flagged if the transaction denomination value is different from the expected denomination value.

Claims

1. A method for detecting fraud occurring at an Automatic Teller Machine (“

ATM”

) which includes at least one cassette holding a denomination of paper currency to dispense, the method comprising;

receiving, at an ATM network host computer system, a communications signal from the ATM comprising a transaction request to withdraw funds from the ATM by a user of the ATM, wherein the communications signal includes a transaction denomination value for the cassette holding the paper currency to dispense;

evaluating at a fraud monitoring system whether the transaction denomination value is different from an expected denomination value for the cassette; and

flagging the transaction request if the transaction denomination value is different from the expected denomination value.

2. The method of claim 1, wherein the evaluating step further comprises retrieving a previous transaction from the ATM to obtain the expected denomination value.

3. The method of claim 1, wherein the evaluating step comprises determining whether the transaction denomination value is missing from the communication signal.

4. The method of claim 1, further comprising sending a communications signal from the ATM network host computer system to the ATM to halt the transaction and disable the ATM.

5. The method of claim 1, wherein the communications signal sent to the ATM includes instructions to capture a presentation instrument used to initiate the transaction request.

6. The method of claim 1, wherein the expected denomination value is $20.

7. The method of claim 1, further comprising sending from the fraud monitoring system a notification regarding a potentially fraudulent transaction.

8. The method of claim 7, wherein the notification is transmitted to law enforcement.

9. The method of claim 7, wherein the notification comprises an email message.

10. The method of claim 7, wherein the notification comprises a message to a voice response system to notify an owner of the ATM.

11. The method of claim 1, further comprising transmitting instructions to the ATM to capture an image of the user.

12. A system for detecting fraud occurring at an Automatic Teller Machine (“

ATM”

) comprising;

an ATM having a cassette holding a denomination of paper currency to dispense, wherein the ATM is configured to;

receive input from a user comprising a request to withdraw funds; and

transmit a communications signal comprising a request to withdraw funds from the ATM by a user of the ATM, wherein the communications signal includes a transaction denomination value for the cassette holding the paper currency to dispense; and

an ATM network host computer system, in communication with the ATM, wherein the ATM network host computer system is configured to;

evaluate whether the transaction denomination value is different from an expected denomination value for the cassette; and

flag the transaction request if the transaction denomination value is different from the expected denomination value.

13. The system of claim 12, wherein the ATM network host computer system is further configured to evaluate a previous transaction from the ATM to obtain the expected denomination value.

14. The system of claim 12, wherein the ATM network host computer system is further configured to evaluate a previous transaction from the ATM to determine whether the transaction denomination value is missing from the communication signal.

15. The system of claim 12, wherein the ATM is further configured to delay dispensing of paper currency if the transaction denomination value is different from the expected denomination value.

16. The system of claim 12, wherein the ATM is further configured to capture a presentation instrument used to initiate the transaction request.

17. The system of claim 12, wherein the expected denomination value is $20.

18. The system of claim 12, wherein the ATM network host computer system is further configured to send a notification regarding a potentially fraudulent transaction.

19. The system of claim 18, wherein the ATM network host computer system is further configured to transmit the notification to law enforcement.

20. The system of claim 18, wherein the ATM network host computer system is further configured to transmit an email message with the notification.

21. The system of claim 18, wherein the ATM network host computer system is further configured to transmit a message to a voice response system to notify an owner of the ATM.

22. The system of claim 12, wherein the ATM is configured to capture an image of the user.

23. An ATM network host computer system, the system having at least one computer readable storage medium having at least one computer-readable program for operation of the computer system, wherein the computer-readable program includes instructions to:

receive a communications signal from the ATM comprising a transaction request to withdraw funds from the ATM by a user of the ATM, wherein the communications signal includes a transaction denomination value for the cassette holding the paper currency to dispense;

evaluate whether the transaction denomination value is different from an expected denomination value for the cassette; and

flag the transaction request if the transaction denomination value is different from the expected denomination value.