Currency dispensing ATM with RFID card reader

• US 7,004,385 B1
• Filed: 03/31/2004
• Issued: 02/28/2006
• Est. Priority Date: 04/01/2003
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Douglass, Mark
• Primary Examiner(s): Frech, Karl D.
• Assistant Examiner(s): TAYLOR, APRIL ALICIA
• Application Number:
  US10/814,100
• Time in Patent Office: 699 Days
• Field of Search: 235/375, 235379-381, 705/35, 705/39, 705/43, 705/16, 705/17, 705/41, 705/44, 902/4, 902/5, 902/8, 902 12- 14
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]

Abstract

An ATM with a currency dispenser includes a contactless card reader. The card reader can read data from an RFID tag of a customer'"'"'s ATM card. An ATM RFID card reader can be located so as to provide additional space for another transaction component or can be used in conjunction with a magnetic stripe or other reader. Currency dispensing is enabled responsive to tag data. A housing is adapted to prevent interception of radio signals. The ATM is able to prevent dispensing of currency in situations where unauthorized detection of signals is sensed.

Claims

1. Apparatus including:

an automated banking machine,

wherein the machine includes a currency dispenser,

wherein the currency dispenser is operative to dispense currency notes from the machine,

wherein the machine includes a user card receiving slot,

wherein the slot is operative to receive at least a portion of a user card inserted therein,

wherein the machine includes therein a magnetic stripe reader positioned adjacent the slot,

wherein the magnetic stripe reader is operative to read data from a card magnetic stripe inserted in the slot,

wherein the machine includes therein an RFID tag reader positioned adjacent to the magnetic stripe reader and the slot,

wherein the tag reader is operative to read data from a card RFID tag inserted in the slot,

wherein the machine is operative to use data read from a user card in carrying out a transaction including operation of the currency dispenser.

2. The apparatus according to claim 1 wherein the machine includes at least one controller and at least one user input device, wherein the at least one user input device is operative to receive at least one user input corresponding to a card, and wherein the controller is operative to enable the machine to carry out at least one transaction function responsive to at least a portion of at least one of stripe data and tag data corresponding to the at least one user input.

3. The apparatus according to claim 2 wherein the at least one user input device comprises at least one key, and wherein the at least one user input comprises actuating at least one key of the at least one user input device.

4. Apparatus comprising:

an automated banking machine,

wherein the machine includes a currency dispenser,

wherein the currency dispenser is operative to dispense currency notes from the machine,

wherein the machine includes a magnetic stripe reader,

wherein the magnetic stripe reader is operative to read data from at least one magnetic stripe of a user card,

wherein the machine includes an RFID tag reader,

wherein the tag reader is operative to read data from at least one RFID tag of a user card,

wherein the machine includes at least one controller including at least one processor,

wherein the at least one controller is in operative communication with both the magnetic stripe reader and the RFID tag reader,

wherein the at least one controller is operative to cause the magnetic stripe reader to read stripe data from at least one stripe of a user card and the RFID tag reader to read tag data from at least one RFID tag of the user card,

wherein the at least one controller is operative to determine if at least a portion of the stripe data and at least a portion of the tag data have a predetermined relationship.

5. The apparatus according to claim 4 wherein the automated banking machine includes a user card insertion slot, wherein the magnetic stripe reader is operative to read data from a magnetic stripe of a user card inserted into the slot, and wherein the RFID tag reader is operative to read data from an RFID tag of a user card inserted into the slot.

6. The apparatus according to claim 4 wherein the machine includes at least one user input device in operative connection with the at least one controller, wherein the at least one user input device is operative to receive at least one user input corresponding to the card, and wherein the controller is operative to enable the machine to carry out at least one transaction function responsive to a positive determination.

7. The apparatus according to claim 4 wherein, responsive to determining the predetermined relationship, the at least one controller is operative to enable the machine to carry out at least one transaction function.

8. The apparatus according to claim 7 wherein the at least one transaction function includes dispensing currency notes from the machine through operation of the currency dispenser.

9. The apparatus according to claim 8 wherein the machine includes at least one user input device in operative connection with the at least one controller, and wherein the at least one user input device is operative to receive at least one user input corresponding to the card, and wherein the controller is operative to enable dispensing currency notes responsive to at least a portion of at least one of the stripe data and tag data corresponding to the at least one user input.

10. The apparatus according to claim 9 wherein the at least one user input device comprises at least one key, and the at least one user input comprises actuating at least one key.

11. The apparatus according to claim 10 wherein the at least one user input device comprises a keypad having a plurality of keys, and wherein the at least one user input comprises pressing at least one key of the keypad.

12. The apparatus according to claim 11 wherein the at least one user input comprises a PIN.

13. The apparatus according to claim 12 wherein the PIN corresponds to the stripe data.

14. The apparatus according to claim 9 wherein the at least one input device comprises a biometric input device.

15. The apparatus according to claim 9 wherein the machine comprises at least one output device and wherein the at least one controller is operative to cause the machine to output at least one question through the at least one output device, and wherein the controller is operative to enable dispensing currency notes responsive to at least one answer input provided through the at least one input device responsive to the at least one question.

16. The apparatus according to claim 15 wherein the controller is operative to determine if the answer input has a predetermined relationship to at least a portion of the tag data.

17. The apparatus according to claim 16 wherein the data includes data corresponding to a correct answer to the at least one question, and wherein the controller is operative to determine if the answer input corresponds to a correct answer.

18. The apparatus according to claim 16 wherein the at least one controller is operative to output a plurality of questions, and wherein the tag data includes data corresponding to correct answers to a plurality of questions.

19. The apparatus according to claim 18 wherein the at least one controller is operative to present the questions randomly.

20. The apparatus according to claim 16 wherein the at least one controller is operative to output the at least one question responsive to at least a portion of the tag data.

21. The apparatus according to claim 20 wherein the machine includes at least one RFID tag writer, and wherein the at least one controller is operative to cause the machine to output at least one additional question, and to receive at least one additional answer input through the at least one input device, and wherein the controller is operative to cause the tag writer to store data corresponding to the at least one additional answer in the tag data.

22. The apparatus according to claim 21 wherein the at least one controller is operative to cause data corresponding to the at least one additional question to be stored in the tag data.

23. The apparatus according to claim 22 wherein the at least one question is output responsive to at least a portion of data stored in the tag data during a prior banking machine transaction session.

24. The apparatus according to claim 23 wherein the at least one controller is operative to output the at least one question responsive to at least a portion of the data stored in the tag data during other than an immediately preceding transaction session.

25. The apparatus according to claim 24 when the tag data includes at least one of a digital signature and a digital certificate, and wherein the controller is operative to determine authenticity of at least one of a message and data through use of the at least one of the digital certificate and digital signature.

26. The apparatus according to claim 25 wherein the tag reader is operative to read a plurality of RFID tags on the card, and wherein the at least one controller is operative to enable dispensing currency responsive to the tag data read from the plurality of tags.

27. The apparatus according to claim 26 wherein the machine further includes an RFID document reader, and where the at least one controller is operative to cause the document reader to read document data on RFID tags included on documents that are at least one of placed in or dispensed from the machine.

28. The apparatus according to claim 27 wherein the document reader is operative to read document data on checks placed in the machine.

29. The apparatus according to claim 27 wherein the document reader is operative to read document data on currency placed in the machine.

30. The apparatus according to claim 27 wherein the document reader is operative to read document data on currency dispensed from the machine.

31. The apparatus according to claim 27 wherein the machine further includes an RFID document writer, and wherein the at least one controller is operative to cause the document writer to change document data on RFID tags included on documents that are at least one of placed in and dispensed from the machine.

32. The apparatus according to claim 31 wherein the document writer is operative to change document data on checks placed in the machine.

33. The apparatus according to claim 31 wherein the document writer is operative to change document data on currency placed in the machine.

34. The apparatus according to claim 31 wherein the document writer is operative to change document data on currency dispensed from the machine.

35. The apparatus according to claim 31 and wherein the controller is operative to communicate wirelessly through radio frequency messages in the housing with at least one of the tag reader, magnetic stripe reader, document reader, and document writer.

36. The apparatus according to claim 35 and further including a user card having at least one of an RFID tag and a magnetic stripe.

37. The apparatus according to claim 27 wherein the machine comprises a housing wherein at least one of the tag reader, document reader, and document writer are positioned within the housing, and wherein the housing comprises radio frequency signal blocking material.

38. The apparatus according to claim 37 and further comprising at least one intrusion sensor adapted to sense unauthorized RFID sensors adjacent the housing, wherein the at least one intrusion sensor is in operative connection with the at least one controller, and wherein the at least one controller is operative to cause the machine to take at least one action responsive to a sensing by the at least one intrusion sensor.

39. The apparatus according to claim 21 wherein the at least one controller is operative to cause the tag writer to overwrite tag data.

40. The apparatus according to claim 4 and further comprising a card, and wherein the at least one RFID tag is releasably attached to the card.

41. Apparatus including:

an automated banking machine,

wherein the machine includes a currency dispenser,

wherein the currency dispenser is operative to dispense currency notes from the machine,

wherein the machine includes a magnetic stripe reader,

wherein the magnetic stripe reader is operative to read data from at least one magnetic stripe of a user card,

wherein the machine includes an RFID tag reader,

wherein the tag reader is operative to read data from at least one RFID tag of a user card,

wherein the machine is operative to read data from a user card using at least one of the magnetic stripe reader and the RFID tag reader,

wherein the machine includes at least one controller including at least one processor,

wherein the at least one controller is operative to cause the magnetic stripe reader and the RFID tag reader to respectively read stripe data from the at least one magnetic stripe and tag data from the at least one RFID tag.

42. The apparatus according to claim 41 wherein the machine includes a user card insertion slot, wherein the magnetic stripe reader is operative to read data from a magnetic stripe of a user card inserted into the slot, and wherein the RFID tag reader is operative to read data from an RFID tag of a user card inserted into the slot.

43. The apparatus according to claim 41 wherein the machine includes at least one user input device in operative connection with the at least one controller, wherein the at least one user input device is operative to receive at least one user input corresponding to the card, and wherein the controller is operative to enable dispensing currency responsive to at least a portion of at least one of the stripe data and tag data corresponding to the at least one user input.

44. The apparatus according to claim 43 wherein the at least one user input device comprises at least one key, and the at least one user input comprises actuating at least one key.

45. The apparatus according to claim 41 wherein the machine comprises at least one output device, and wherein the at least one controller is operative to cause the machine to output at least one question through the at least one output device, and wherein the controller is operative to enable dispensing currency responsive to at least one answer input provided through the at least one input device responsive to the at least one question.

46. The apparatus according to claim 45 wherein the at least one controller is operative to determine if the answer input has a predetermined relationship to at least a portion of the tag data.

47. The apparatus according to claim 46 wherein the at least one controller is operative to output a plurality of questions, and wherein the tag data includes data corresponding to correct answers to a plurality of questions.

48. The apparatus according to claim 45 wherein the at least one controller is operative to present the questions randomly.

49. The apparatus according to claim 45 wherein the at least one controller is operative to output the at least one question responsive to at least a portion of the tag data.

50. The apparatus according to claim 49 wherein the machine includes at least one RFID tag writer, and wherein the at least one controller is operative to cause the machine to output at least one additional question and to cause the machine to receive at least one additional answer input through the at least one input device, and wherein the controller is operative to cause the tag writer to store data corresponding to the at least one additional answer in the tag data.

51. The apparatus according to claim 50 wherein the at least one controller is operative to cause data corresponding to the at least one additional question to be stored in the tag data.

52. The apparatus according to claim 51 wherein the at least one question is output responsive to at least a portion of data stored in the tag data during a prior banking machine transaction session.

53. The apparatus according to claim 41 when the tag data includes at least one of a digital signature and a digital certificate, and wherein the controller is operative to determine authenticity of at least one of a message and data through use of the at least one of the digital certificate and digital signature.

54. The apparatus according to claim 41 wherein the controller is operative to cause the tag reader to read tag data from a plurality of RFID tags on a user card, and wherein the controller is operative to enable the operation of the currency dispenser to dispense currency notes responsive to the tag data read from the plurality of tags.

55. The apparatus according to claim 41 wherein the machine further includes an RFID document reader, and where the at least one controller is operative to cause the document reader to read document data on RFID tags included on documents that are at least one of placed in and dispensed from the machine.

56. The apparatus according to claim 41 wherein the machine further includes an RFID document writer, and wherein the at least one controller is operative to cause the document writer to change document data on RFID tags included on documents that are at least one of placed in and dispensed from the machine.

57. The apparatus according to claim 41 and further comprising at least one intrusion sensor adapted to sense unauthorized RFID sensors adjacent the housing, wherein the at least one intrusion sensor is in operative connection with the at least one controller, and wherein the at least one controller is operative to cause the machine to take at least one action responsive to a sensing by the at least one intrusion sensor.