CREDIT CARD AUTOMATIC CURRENCY DISPENSER

• US 3,662,343 A
• Filed: 07/29/1970
• Issued: 05/09/1972
• Est. Priority Date: 07/29/1970
• Status: Expired due to Term

• Current Assignee: John D. White, Kenneth S. Goldstein
• Original Assignee: John D. White, Kenneth S. Goldstein
• Inventors: Goldstein, Kenneth S., White, John D.
• Primary Examiner(s): Yusko, Donald J.
• Application Number:
  US05/059,146
• Time in Patent Office: 650 Days
• Field of Search: 194/4 340/149 235/61.7B 178/22 179/1.5S 35/4
• US Class Current: 235/381
• 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 19/202 Depositing operations within ATMs depositing in general G07D11/00
• CPC Class Codes: G07F 19/209 Monitoring, auditing or diagnose of functioning of ATMs
• CPC Class Codes: G07F 19/21 Retaining of the payment card by ATMs

Abstract

A currency dispenser automatically delivers a medium of exchange in packets in response to a coded credit card presented thereto. The coded credit card is presented to the currency dispenser and an initial check is made to determine if the card has the proper format. After checking the credit card format, coded information thereon is evaluated to check the user'"'"''"'"'s indentity prior to authorizing him to receive cash from the machine. When each of several additional checks of the credit card code have been completed, the old code is removed and substituted with a new code. The new code contains the same information as the old but updated to reflect an additional currency dispensing transaction. Both the original code and the updated code are scrambled in accordance with a changing key. Scrambling the credit card code after each use thereof minimizes the chance of unauthorized use of the currency dispenser. When the checks of the credit card indicate the user is entitled to receive the amount of currency he has selected, a storage container for the packets of currency transports the required number of packets by a positive feed drive to a cash drawer. The cash drawer opens to a detent position which allows the customer to then move the drawer to a fully open position to remove his currency. Upon release of the cash drawer, it returns to a partially opened position from which it automatically closes after a preset time limit.

Claims

1. A method of document decoding in a dispensing system comprising the steps of:

scanning scrambled data read from a cryptographically coded document for elements of an unscrambling key, manually entering an identification code containing additional elements of an unscrambling key into the dispensing system, combining elements from the coded document and from the identification code to produce an unscrambling key, unscrambling data read from a cryptographically coded document with the unscrambling key to generate clear data, and actuating the dispensing system with the clear data.

2. A method of document decoding in a dispensing system as set forth in claim 1 wherein the step of unscrambling data read from the coded document includes a multiple sequence of unscrambling steps as determined by the unscrambling key.

3. A method of document decoding in a dispensing system as set forth in claim 1 wherein the step of unscrambling data read from the coded document includes:

transposing code characters from the ordered arrangement as read.

4. A method of document decoding in a dispensing system as set forth in claim 3 wherein the step of unscrambling data read from the coded document includes:

substituting different code characters for the characters as received from the coded document.

5. A method of document decoding in a dispensing system as set forth in claim 4 wherein the step of unscrambling data read from the coded document includes:

dividing the code arrangement as read into a series of equal increment units, and transposing the equal increment units from the order as originally received from the coded document.

6. A method of document decoding in a dispensing system as set forth in claim 5 wherein the step of unscrambling data read from the coded document includes:

removing extraneous code characters from the transposed order.

7. A method of document decoding in a dispensing system as set forth in claim 3 wherein the step of unscrambling data read from the coded document includes:

dividing the code arrangement as read into a series of equal increment units, and transposing the equal increment units from the order as originally received from the coded document.

8. A method of document decoding in a dispensing system as set forth in claim 7 wherein the step of unscrambling data read from the coded document includes:

removing extraneous code characters from the transposed order.

9. A method of document decoding in a dispensing system as set forth in claim 3 wherein the step of unscrambling data read from the coded document includes:

removing extraneous code characters from the transposed order.

10. A method of document decoding in a dispensing system as set forth in claim 9 wherein the step of unscrambling data read from the coded document includes:

substituting different code characters for the characters as received from the coded document.

11. A method of document decoding in a dispensing system as set forth in claim 1 wherein the step of unscrambling data read from the coded document includes:

substituting different code characters for the characters as received from the coded document.

12. A method of document decoding in a dispensing system as set forth in claim 11 wherein the step of unscrambling data read from the coded document includes:

dividing the code arrangment as read into a series of equal increment units, and transposing the equal increment units from the order as originally received from the coded document.

13. A method of document decoding in a dispensing system as set forth in claim 12 wherein the step of unscrambling data read from the coded document includes:

removing extraneous code characters from the transposed order.

14. A method of document Decoding in a dispensing system as set forth in claim 11 wherein the step of unscrambling data read from the coded document includes:

removing extraneous code characters from the transposed order.

15. A method of document decoding in a dispensing system as set forth in claim 1 wherein the step of unscrambling data read from the coded document includes:

dividing the code arrangement as read into a series of equal increment units, and transposing the equal increment units from the order as originally received from the coded document.

16. A method of document decoding in a dispensing system as set forth in claim 15 wherein the step of unscrambling data read from the coded document includes:

removing extraneous code characters from the transposed order.

17. A method of document decoding in a dispensing system as set forth in claim 1 wherein the step of unscrambling data read from the coded document includes:

removing extraneous code characters from the transposed order.

18. A method of cryptographic document coding in a dispensing system actuated in response to clear data, comprising the steps of:

generating a scrambling key based in part on elements contained in an identification code entered into the dispensing system, scrambling the clear data in accordance with the scrambling key to produce a cryptographically scrambled data arrangement, and combining elements of the scrambling key with the scrambled data for storage on a document for subsequent use thereof.

19. A method of document coding in a dispensing system as set forth in claim 18 including the step of entering an identification code containing elements of the scrambling key into the dispensing system.

20. A method of document coding in a dispensing system as set forth in claim 18 wherein the step of scrambling the clear data includes:

inserting extraneous code characters into blank spaces between words of the clear data, and dividing the clear data into a series of equal increment units.

21. A method of document coding in a dispensing system as set forth in claim 20 wherein the step of scrambling the clear data includes:

transposing the equal increment units from the order as used to actuate the dispensing system.

22. A method of document coding in a dispensing system as set forth in claim 21 wherein the step of scrambling the clear data includes:

substituting different code characters for the characters as originally appearing in the clear data.

23. A method of document coding in a dispensing system as set forth in claim 22 wherein the step of scrambling the clear data includes:

transposing the code characters from the arrangement of the clear data.

24. A method of document coding in a dispensing system as set forth in claim 20 wherein the step of scrambling the clear data includes:

substituting different code characters for the characters as originally appearing in the clear data.

25. A method of document coding in a dispensing system as set forth in claim 24 wherein the step of scrambling the clear data includes:

transposing the code characters from the arrangement of the clear data.

26. A method of document coding in a dispensing system as set forth in claim 20 wherein the step of scrambling the clear data includes:

transposing the code characters from the arrangement of the clear data.

27. A method of document coding in a dispensing system as set forth in claim 26 wherein the step of scrambling the clear data includes:

transposing the equal increment units from the order as used to actuate the dispensing system.

28. A method of document coding in a dispensing system as set forth in claim 18 wherein the step of scrambling the clear data includes:

transposing the equal increment units from the order as used to actuate the dispensing system.

29. A method of document coding in a dispensing system as set forth in claim 28 wherein the step of scrambling the clear data inclUdes:

substituting different code characters for the characters as originally appearing in the clear data.

30. A method of document coding in a dispensing system as set forth in claim 29 wherein the step of scrambling the clear data includes;

transposing the code characters from the arrangement of the clear data.

31. A method of document coding in a dispensing system as set forth in claim 28 wherein the step of scrambling the clear data includes:

transposing the code characters from the arrangement of the clear data.

32. A method of document coding in a dispensing system as set forth in claim 18 wherein the step of scrambling the clear data includes:

substituting different code characters for the characters as originally appearing in the clear data.

33. A method of document coding in a dispensing system as set forth in claim 32 wherein the step of scrambling the clear data includes:

transposing the code characters from the arrangement of the clear data.

34. A method of document coding in a dispensing system as set forth in claim 18 wherein the step of scrambling the clear data includes:

transposing the code characters from the arrangement of the clear data.

35. A method of coded document operation of a dispensing system, comprising the steps of:

scanning scrambled data read from a cryptographically coded document for elements of an unscrambling key, manually entering an identification code containing additional elements of an unscrambling key into the dispensing system, combining the elements read from the coded document and from the identification code to produce an unscrambling key, unscrambling data read from the coded document with the unscrambling key to generate clear (decoded) data, actuating the dispensing system with the clear data, and rescrambling the clear data in accordance with a scrambling key to produce a cryptographically scrambled data arrangement other than the arrangement as read from the coded document.

36. A method of coded document operation of a dispensing system as set forth in claim 35, including the step of:

generating a scrambling key with elements from the identification code.

37. A method of coded document operation of a dispensing system as set forth in claim 36, including the step of:

combining elements of the scrambling key with the scrambled data for storage on a coded document for subsequent use thereof.

38. A method of coded document operation of a dispensing system as set forth in claim 37 wherein the steps of unscrambling data read from the coded document and rescrambling the clear data includes:

dividing the data arrangement into a series of equal increment units, transposing the equal increment units from the order as originally received, substituting different code characters for the characters as received, transposing the code characters from the ordered arrangement as originally presented, and removing extraneous code characters from the equal increment units.

39. A method of checking the validity of a credit card, comprising the steps of:

reading cryptographically scrambled data as stored on said credit card, scanning the scrambled data read from said credit card for elements of an unscrambling key, manually entering an identification code containing additional elements of an unscrambling key, combining elements from the coded document and from the identification code to produce an unscrambling key, converting the scrambled data by said unscrambling key into data having an ordered arrangement, comparing the ordered data arrangement with standard data to check the validity of said credit card, rescrambling the ordered data arrangement in accordance with a scrambling key that produces a data arrangement other than the arrangement as read, and storing the rescrambled data onto said credit card.

40. A method of checking the validity of a credit card as set forth in claim 39 wherein the step of rescrambling the ordered data arrangement includes:

inserting extraneous code characters into blank spaces of the ordered code arrangement, and dividing the ordered code arrangement into a series of equal increment units.

41. A method of checking the validity of a credit card as set forth in claim 40 wherein the step of rescrambling the ordered data arrangement includes:

transposing the equal increment units from the order as originally received from said credit card.

42. A method of checking the validity of a credit card as set forth in claim 41 wherein the step of rescrambling the ordered data arrangement includes:

substituting different code characters for the characters as received from said credit card.

43. A method of checking the validity of a credit card as set forth in claim 42 wherein the step of rescrambling the ordered data arrangement includes:

transposing the code characters from the ordered arrangement as originally presented.

44. A method of checking the validity of a credit card as set forth in claim 40 wherein the step of rescrambling the ordered data arrangement includes:

substituting different code characters for the characters as received from said credit card.

45. A method of checking the validity of a credit card as set forth in claim 44 wherein the step of rescrambling the ordered data arrangement includes:

transposing the code characters from the ordered arrangement as originally presented.

46. A method of checking the validity of a credit card as set forth in claim 40 wherein the step of rescrambling the ordered data arrangement includes:

transposing the code characters from the ordered arrangement as originally presented.

47. A method of checking the validity of a credit card as set forth in claim 46 wherein the step of rescrambling the ordered data arrangement includes:

transposing the equal increment units from the order as originally received from said credit card.

48. A method of checking the validity of a credit card as set forth in claim 39 wherein the step of rescrambling the ordered data arrangement includes:

transposing the equal increment units from the order as originally received from said credit card.

49. A method of checking the validity of a credit card as set forth in claim 48 wherein the step of rescrambling the ordered data arrangement includes:

substituting different code characters for the characters as received from said credit card.

50. A method of checking the validity of a credit card as set forth in claim 49 wherein the step of rescrambling the ordered data arrangement includes:

transposing the code characters from the ordered arrangement as originally presented.

51. A method of checking the validity of a credit card as set forth in claim 48 wherein the step of rescrambling the ordered data arrangement includes:

transposing the code characters from the ordered arrangement as originally presented.

52. A method of checking the validity of a credit card as set forth in claim 39 wherein the step of rescrambling the ordered data arrangement includes:

substituting different code characters for the characters as received from said credit card.

53. A method of checking the validity of a credit card as set forth in claim 52 wherein the step of rescrambling the ordered data arrangement includes:

transposing the code characters from the ordered arrangement as originally presented.

54. A method of checking the validity of a credit card as set forth in claim 39 wherein the step of rescrambling the ordered data arrangement includes:

transposing the code characters from the ordered arrangement as originally presented.

55. A method of checking the validity of a credit card as set forth in claim 39, including the step of modifying the ordered code arrangement prior to rescrambling.

56. A method of checking the validity of a credit card as set forth in claim 39, including the sTep of generating a scrambling key that varies for subsequent readings of a credit card.

57. In a cryptographically coded document controlled article dispensing system for dispensing articles to a customer upon presentation of a valid document:

means for reading cryptographically scrambled data from a coded document presented to said system, means for scanning the scrambled data as read from the coded document for elements of an unscrambling key, means for manually entering an identification code containing additional elements of an unscrambling key into the dispensing system, means for combining elements from the coded document and from the identification code to generate an unscrambling key, means receiving the scrambled data for conversion thereof into clear data in accordance with said unscrambling key, means for comparing the clear data with standard data to check the validity of the presented document, means receiving the clear data for rescrambling in accordance with a scrambling key to produce a code arrangement other than the arrangement as read, and means for storing the rescrambled data on the presented document.

58. In a coded document article dispensing system as set forth in claim 57 wherein the scrambling key of said means for receiving the clear data produces a rescrambled data arrangement in a multiple step sequence.

59. In a coded document article dispensing system as set forth in claim 57 wherein the unscrambling key of said means receiving the scrambled data produces the clear data in a multiple step sequence.

60. In coded document article dispensing system as set forth in claim 58 including means for keying-in the standard data into said means for comparing.

61. In a coded document article dispensing system as set forth in claim 58 including means for modifying the clear data after comparison with the standard data prior to rescrambling.

62. In a coded document article dispensing system as set forth in claim 58 including means for generating a scrambling key that varies for subsequent readings of a coded document.

63. In a coded document controlled article dispensing system as set forth in claim 62 wherein said means for generating a scrambling key includes:

means for dividing the clear data into a series of equal increment units and inserting extraneous randomly chosen code characters into the clear data, means for transposing the equal increment units from the order as received, means for substituting characters for those originally appearing in the presented code, and means for transposing the code characters from the order as received.

64. In a cryptographically coded document controlled dispensing system:

means for reading cryptographically scrambled data from a document presented for operation of the dispensing system, means receiving the scrambled data for conversion thereof into clear data in accordance with an unscrambling key, means for comparing the clear data with standard data and generating a dispensing signal when the compared data is similar, means responsive to the dispensing signal for actuating the dispensing system for article delivery to a customer, rescrambling means receiving the clear data for rescrambling in accordance with a scrambling key to produce a data arrangement other than the arrangement as read, and means for storing the rescrambled code on the presented document.

65. In a coded document controlled dispensing system as set forth in claim 64 including means for keying-in the standard data into said comparison means.

66. In a coded document controlled dispensing system as set forth in claim 65 including means for generating a scrambling key that varies for subsequent readings of a coded document.

67. In a coded document controlled dispensing system as set forth in claim 66 including means for modifying the clear data prior to rescrambling in said scrambling means.

68. In a coded document conTrolled dispensing system as set forth in claim 67 wherein said data is in the form of a data bit stream.