Automated banking machine system and method

• US 7,110,986 B1
• Filed: 04/19/2002
• Issued: 09/19/2006
• Est. Priority Date: 04/23/2001
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Zajkowski, Timothy, Smith, Mark D., Doland, Anne
• Primary Examiner(s): CHEUNG, MARY DA ZHI WANG
• Application Number:
  US10/126,729
• Time in Patent Office: 1,614 Days
• Field of Search: 705/18, 705 42- 44, 705 50- 54, 705 64- 67, 705 70- 79, 713156-162, 713164-189, 713200-202, 380277-285, 380 28- 30, 707 9- 10
• US Class Current: 705/64
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/206 Software aspects at ATMs
• CPC Class Codes: G07F 7/1016 Devices or methods for securing the PIN and other transaction-data, e.g. by encryption arrangements for secret communication, see H04L9/00
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 9/0825 using asymmetric-key encryption or public key infrastructure [PKI], e.g. key signature or public key certificates
• CPC Class Codes: H04L 9/3247 involving digital signatures
• CPC Class Codes: H04L 9/3263 involving certificates, e.g. public key certificate [PKC] or attribute certificate [AC]; Public key infrastructure [PKI] arrangements network architectures or network communication protocols for supporting authentication of entities using certificates in a packet data network H04L63/0823

Abstract

An automated banking machine (12, 200, 302) is provided. The machine may be operative to install a terminal master key (TK) therein in response to at least one input from a single operator. The machine may include an EPP (204) that is operative to remotely receive an encrypted terminal master key from a host system (210, 304). The machine may authenticate and decrypt the terminal master key prior to accepting the terminal master key. The machine may further output through a display device (30) of the machine a one-way hash of at least one public key associated with the host system. The machine may continue with the installation of the terminal master key in response to an operator confirming that the one-way hash of the public key corresponds to a value independently known by the operator to correspond to the host system.

Claims

1. A method comprising:

a) receiving with a host system from an automated banking machine including a cash dispenser, a first public key of the automated banking machine, wherein a first certificate of the automated banking machine includes the first public key of the automated banking machine, wherein the first certificate of the automated banking machine is signed by a certificate authority (CA);

b) validating with the host system the first certificate of the automated banking machine using a public key of the CA;

c) receiving with the host system at least one first message from the automated banking machine, wherein the at least one first message includes data representative of a request to transfer a terminal master key to the automated banking machine;

d) generating a terminal master key with the host system including generating with the host system first encrypted data using the first public key of the automated banking machine, wherein the first encrypted data includes the terminal master key;

e) sending from the host system at least one second message to the automated banking machine, wherein the at least one second message includes the first encrypted data;

f) receiving with the host system at least one third message from the automated banking machine, wherein the third message includes data representative of an acknowledgment that the terminal master key included in the first encrypted data has been accepted by the automated banking machine, wherein the at least one third message includes a digital signature of the automated banking machine;

g) validating with the host system the digital signature included in the at least one third message using a second public key of the automated banking machine.

2. A method comprising:

a) receiving with a host system from an automated banking machine including a cash dispenser, a first public key of the automated banking machine, wherein a first certificate of the automated banking machine includes the first public key of the automated banking machine, wherein the first certificate of the automated banking machine is signed by a certificate authority (CA);

b) validating with the host system the first certificate of the automated banking machine using a public key of the CA;

c) receiving with the host system at least one first message from the automated banking machine, wherein the at least one first message includes data representative of a request to transfer a terminal master key to the automated banking machine;

d) generating a terminal master key with the host system including generating first encrypted data using the first public key of the automated banking machine, wherein the first encrypted data includes the terminal master key;

e) generating a random number through operation of the host system;

f) sending from the host system at least one second message to the automated banking machine, wherein the at least one second message includes the first encrypted data and the random number generated in (e) through operation of the host system;

g) receiving with the host system at least one third message from the automated banking machine, wherein the third message includes data representative of an acknowledgment that the terminal master key included in the first encrypted data has been accepted by the automated banking machine, wherein the at least one third message includes a first number,

h) verifying through operation of the host system that the random number generated through operation of the host system in (e) corresponds to the first number.

3. A method comprising:

a) receiving with a host system from an automated banking machine including a cash dispenser, a first public key of the automated banking machine, wherein a first certificate of the automated banking machine includes the first public key of the automated banking machine, wherein the first certificate of the automated banking machine is signed by a certificate authority (CA);

b) validating with the host system the first certificate of the automated banking machine using a public key of the CA;

c) receiving with the host system at least one first message from the automated banking machine, wherein the at least one first message includes data representative of a request to transfer a terminal master key to the automated banking machine, wherein the at least one first message corresponds to a Diebold 91X Unsolicited Status Message;

d) generating a terminal master key with the host system including generating first encrypted data using the first public key of the automated banking machine, wherein the first encrypted data includes the terminal master key;

e) sending from the host system at least one second message to the automated banking machine, wherein the at least one second message includes the first encrypted data, wherein the at least one second message corresponds to a Diebold 91X Write Command Message;

f) receiving with the host system at least one third message from the automated banking machine, wherein the third message includes data that is representative of an acknowledgment that the terminal master key included in the first encrypted data has been accepted by the automated banking machine, wherein the at least one third message corresponds to a Diebold 91X Solicited Status Message.

4. A method comprising:

a) sending with a host system at least one first message to an automated banking machine including a cash dispenser, wherein the at least one first message includes data representative of a request to send a first certificate of the automated banking machine to the host system;

b) receiving with the host system the first certificate of the automated banking machine from the automated banking machine, wherein the first certificate of the automated banking machine includes a first public key of the automated banking machine, wherein the first certificate of the automated banking machine is signed by a certificate authority (CA);

c) through operation of the host system, validating the certificate of the automated banking machine using a public key of the CA;

d) receiving with the host system at least one second message from the automated banking machine, wherein the at least one second message includes data representative of a request to transfer a terminal master key to the automated banking machine;

e) generating a terminal master key with the host system including generating first encrypted data using the first public key of the automated banking machine, wherein the first encrypted data includes the terminal master key;

f) sending from the host system at least one third message to the automated banking machine, wherein the at least one third message includes the first encrypted data.

5. A method comprising:

a) sending from a host system to an automated banking machine that includes a cash dispenser, at least one first message, wherein the at least one first message includes data representative of a command operative to cause the automated banking machine to send at least one second message to the host system, wherein the at least one first message corresponds to a Diebold 91X Operational Command Message;

b) receiving with the host system the at least one second message from the automated banking machine, wherein the at least one second message includes data representative of a request to transfer a terminal master key to the automated banking machine, wherein the at least one second message corresponds to a Diebold 91X Solicited Status Message;

c) generating a terminal master key through operation of the host system, including generating first encrypted data using a first public key of the automated banking machine, wherein the first encrypted data includes the terminal master key;

d) sending from the host system at least one third message to the automated banking machine, wherein the at least one third message includes the first encrypted data, wherein the at least one third message corresponds to a Diebold 91X Write Command Message.

6. A method comprising:

a) receiving with a host system from an automated banking machine that includes a cash dispenser, at least one first message, wherein the at least one first message includes data representative of a request to transfer a terminal master key to the automated banking machine;

b) generating a terminal master key through operation of the host system, including generating first encrypted data using a first public key of the automated banking machine, wherein the first encrypted data includes the terminal master key;

c) sending from the host system at least one second message to the automated banking machine, wherein the at least one second message includes the first encrypted data;

d) generating a communication key through operation of the host computer, including generating second encrypted data using the terminal master key, wherein the second encrypted data includes the communication key; and

e) sending from the host system at least one third message to the automated banking machine, wherein the at least one third message includes the second encrypted data.

7. A method comprising:

a) receiving with a host system from an automated banking machine that includes a cash dispenser, at least one first message, wherein the at least one first message includes data representative of a request to transfer a terminal master key to the automated banking machine, wherein the host system includes a primary public key of a certificate authority (CA), a secondary public key of the CA, at least one primary certificate of the host system signed by the CA, at least one secondary certificate of the host system signed by the CA, and a primary certificate of the automated banking machine signed by the CA, wherein the primary public key of the CA is used to validate the primary certificate of the host system and the at least one primary certificate of the automated banking machine, wherein the secondary public key of the CA is used to validate the at least one secondary certificate of the host system;

b) sending from the host system, at least one second message to the automated banking machine, wherein the at least one second message includes the at least one secondary certificate of the host system;

c) receiving with the host system, at least one third message from the automated banking machine, wherein the at least one third message includes a secondary certificate of the automated banking machine;

d) validating through operation of the host system the secondary certificate of the automated banking machine using the secondary public key of the CA;

e) generating a terminal master key through operation of the host system including generating first encrypted data using a first public key of the automated banking machine, wherein the first encrypted data includes the terminal master key; and

f) sending from the host system at least one fourth message to the automated banking machine, wherein the at least one fourth message includes the first encrypted data.

8. A method comprising:

a) receiving with a host system, at least one first message from an automated banking machine that includes a cash dispenser, wherein the at least one first message includes at least one original certificate of the automated banking machine signed by an initial certificate authority (CA), wherein the at least one original certificate of the automated banking machine includes an original public key of the automated banking machine;

b) validating the at least one original certificate of the automated banking machine using a public key of the initial CA through operation of the host system;

c) receiving with the host system a new certificate of a new CA that is signed by the initial CA, wherein the new certificate of the new CA includes a public key of the new CA;

d) through operation of the host system, signing the new certificate of the new CA with a private key of the host system to produce a digital signature of the host system;

e) sending from the host system, at least one second message to the automated banking machine, wherein the at least one second message includes the new certificate of the new CA and the digital signature of the host system;

f) receiving with the host system, at least one third message from the automated banking machine, wherein the at least one third message includes at least one certificate request message;

wherein the at least one certificate request message includes a first public key of the automated banking machine, a first digital signature of the automated banking machine, and a second digital signature of the automated banking machine;

g) through operation of the host system, validating the first digital signature of the automated banking machine using the first public key of the automated banking machine;

h) through operation of the host system, validating the second digital signature of the automated banking machine using the original public key of the automated banking machine;

i) providing to the host system a new certificate issued by the new CA for the automated banking machine, wherein the new certificate for the automated banking machine includes the first public key of the automated banking machine;

j) sending from the host system, at least one fourth message to the automated banking machine, wherein the at least one fourth message includes the new certificate for the automated banking machine;

k) subsequent to (j), receiving with the host system at least one fifth message from an automated banking machine, wherein the at least one fifth message includes data representative of a request to transfer a terminal master key to the automated banking machine;

l) generating a terminal master key through operation of the host system including generating first encrypted data using the first public key of the automated banking machine, wherein the first encrypted data includes the terminal master key; and

m) sending from the host system at least one sixth message to the automated banking machine, wherein the at least one sixth message includes the first encrypted data.

9. A method comprising:

a) receiving with a host system from an automated banking machine that includes a cash dispenser, data corresponding to at least one certificate of the automated banking machine, wherein the at least one certificate of the automated banking machine is signed by a certificate authority (CA) and includes a first public key of the automated banking machine;

b) validating the at least one certificate of the automated banking machine using a public key of the CA;

c) receiving with the host system, data representative of a request to transfer a terminal master key to the automated banking machine;

d) generating a terminal master key;

e) generating first encrypted data using the first public key of the automated banking machine, wherein the first encrypted data includes data corresponding to the terminal master key;

f) sending data corresponding to the first encrypted data from the host system to the automated banking machine;

g) receiving with the host system at least one message from the automated banking machine, wherein the at least one message includes data representative of an acknowledgment that the terminal master key has been accepted by the automated banking machine, wherein the at least one message includes data corresponding to a digital signature of the automated banking machine; and

h) validating the digital signature corresponding to data included in the at least one message using a second public key of the automated banking machine.

10. The method according to claim 9, wherein prior to step (h) further comprising:

i) receiving with the host system the second public key of the automated banking machine from the automated banking machine.

11. The method according to claim 10, wherein in step (i) the second public key of the automated banking machine is included in a second certificate of the automated banking machine, wherein the second certificate of the automated banking machine is signed by the CA, further comprising:

j) validating the second certificate of the automated banking machine system using the public key of the CA.

12. A method comprising:

a) receiving with a host system from an automated banking machine that includes a cash dispenser, data corresponding to at least one certificate of the automated banking machine, wherein the at least one certificate of the automated banking machine is signed by a certificate authority (CA) and includes data corresponding to a first public key of the automated banking machine;

b) validating the at least one certificate of the automated banking machine using a public key of the CA;

c) receiving with the host system at least one first message, wherein the at least one first message includes data representative of a request to transfer a terminal master key to the automated banking machine;

d) generating a terminal master key;

e) generating a random number through operation of the host system;

f) generating first encrypted data using the first public key of the automated banking machine, wherein the first encrypted data includes data corresponding to the terminal master key;

g) sending from the host system at least one second message to the automated banking machine, wherein the at least one second message includes data corresponding to the first encrypted data and the random number generated through operation of the host system;

h) receiving with the host system at least one third message from the automated banking machine, wherein the at least one third message includes data corresponding to a first number and data that is representative of an acknowledgment that the terminal master key has been accepted by the automated banking machine; and

i) verifying that the random number generated through operation of the host system and the first number have a corresponding relationship.

13. The method according to claim 12, wherein in step (f) the first encrypted data further includes data corresponding to first identity data corresponding to the host system, wherein in step (h), the at least one third message includes data corresponding to second identity data;

further comprising;

j) verifying that the first identity data corresponding to the host system has a corresponding relationship to the second identity data.

14. The method according to claim 13, wherein in step (g) the at least one second message further includes data corresponding to a random number generated through operation of the automated banking machine, and further comprising:

k) signing at least portions of the at least one second message using a private key of the host system.

15. The method according to claim 14, wherein in step (h), the at least one third message includes data corresponding to a second number, further comprising:

l) verifying that the random number generated through operation of the automated banking machine has a corresponding relationship with the second number.

16. The method according to claim 14, wherein in step (c) the at least one first message includes data corresponding to the random number generated through operation of be automated banking machine.

17. The method according to claim 14, wherein prior to step (h) further comprising:

1) sending to the automated banking machine data corresponding to a first certificate of the host system, wherein the first certificate of the host system includes data corresponding to a first public key of the host system, wherein the first public key of the host system is capable of being used by the automated banking machine to validate a digital signature of the host system.

18. The method according to claim 17, and prior to step (h) further comprising:

m) sending to the automated banking machine data corresponding to a second certificate of the host system, wherein the second certificate includes data corresponding to a second public key of the host system;

wherein in step (h), the at least one third message includes data corresponding to second encrypted data, wherein the second encrypted data includes data corresponding to a key, and further comprising;

n) determining the key using the second encrypted data;

o) verifying that the terminal master key corresponds to the key determined in (n).

19. The method according to claim 17, wherein in step (l) the first certificate of the host system is sent in a format which corresponds to the PKCS #7:

Cryptographic Message Syntax Standard.

20. The method according to claim 14, wherein in step (g) the at least one second message further includes data corresponding to identity data representative of the automated banking machine.

21. A method comprising:

a) receiving with a host system from an automated banking machine that includes a cash dispenser, data corresponding to at least one certificate of the automated banking machine, wherein the at least one certificate of the automated banking machine is signed by a certificate authority (CA) and includes data corresponding to a first public key of the automated banking machine;

b) validating the at least one certificate of the automated banking machine using a public key of the CA;

c) receiving with the host system at least one first message from the automated banking machine, wherein the at least one first message includes data representative of a request to transfer a terminal master key to the automated banking machine, wherein the at least one first message corresponds to a Diebold 91X Unsolicited Status Message;

d) generating a terminal master key;

e) generating first encrypted data using a first public key of the automated banking machine, wherein the first encrypted data includes data corresponding to the terminal master key;

f) sending from the host system at least one second message to the automated banking machine, wherein the at least one second message includes data corresponding to the first encrypted data, wherein the at least one second message corresponds to a Diebold 91X Write Command Message; and

g) receiving with the host system at least one third message from the automated banking machine, wherein the at least one third message includes data that is representative of an acknowledgment that the terminal master key has been accepted by the automated banking machine, wherein the at least one third message corresponds to a Diebold 91X Solicited Status Message.

22. A method comprising:

a) receiving with a host system at least one first message, wherein the at least one first message includes data representative of a request to transfer a terminal master key to the automated banking machine, wherein the automated banking machine includes a cash dispenser;

b) sending at least one second message to the automated banking machine, wherein the at least one second message includes data representative of a request to send a first certificate of the automated banking machine to the host system;

c) receiving with the host system from the automated banking machine, data corresponding to the first certificate of the automated banking machine, wherein the first certificate of the automated banking machine is signed by a certificate authority (CA) and includes data corresponding to a first public key of the automated banking machine;

d) validating the first certificate of the automated banking machine using a public key of the CA;

e) generating a terminal master key;

f) generating first encrypted data using the first public key of the automated banking machine, wherein the first encrypted data includes data corresponding to the terminal master key; and

g) sending from the host system at least one second message to the automated banking machine, wherein the at least one second message includes data corresponding to the first encrypted data.

23. The method according to claim 22, wherein in step (c) the first certificate of the automated banking machine is received in a format which corresponds to the PKCS #7:

Cryptographic Message Syntax Standard.

24. A method comprising:

a) receiving with a host system at least one first message, wherein the at least one first message includes data representative of a request to transfer a terminal master key to an automated banking machine, wherein the automated banking machine includes a cash dispenser;

b) generating a terminal master key;

c) generating first encrypted data using a first public key of the automated banking machine, wherein the first encrypted data includes data corresponding to the terminal master key;

d) sending from the host system at least one second message to the automated banking machine, wherein the at least one second message includes data corresponding to the first encrypted data;

e) generating a communication key;

f) generating second encrypted data using the terminal master key, wherein the second encrypted data includes data corresponding to the communication key; and

g) sending from the host system at least one third message to the automated banking machine, wherein the at least one third message includes data corresponding to the second encrypted data.

25. The method according to claim 24, wherein in step (c) the first encrypted data is generated using an asymmetrical cryptography algorithm, and wherein in step (f) the second encrypted data is generated using a symmetric cryptography algorithm.

26. The method according to claim 25, wherein in step (c) the asymmetric cryptography algorithm includes an RSA algorithm, and wherein in step (f) the symmetric cryptography algorithm includes either a Single-DES encryption algorithm or a double-length Triple-DES encryption algorithm.

27. The method according to claim 25, further comprising:

h) receiving at least one fourth message from the automated banking machine, wherein the at least one fourth message includes data corresponding to third encrypted data, wherein the third encrypted data includes data corresponding to a personal identification number (PIN) input at the automated banking machine,

i) determining data corresponding to the PIN from the third encrypted data using the communication key; and

j) authorizing the conduct of a transaction with the automated banking machine responsive to the data corresponding to the PIN.

28. The method according to claim 27, wherein in step (j) the transaction corresponds to a dispense of cash with the cash dispenser of the automated banking machine.

29. A method in which a host system includes a primary public key of a certificate authority (CA), a secondary public key of the CA, at least one primary certificate of the host system signed by the CA, at least one secondary certificate of the host system signed by the CA, and a primary certificate of an automated banking machine signed by the CA, wherein the primary public key of the CA is used to validate the primary certificate of the host system, and the primary certificate of the automated banking machine, wherein the secondary public key of the CA is used to validate the secondary certificate of the host system, wherein the automated banking machine includes a cash dispenser, the method comprising:

a) sending from the host system, at least first message to the automated banking machine, wherein the at least one first message includes data corresponding to the secondary certificate of the host system;

b) receiving with the host system, at least one second message from the automated banking machine, wherein the at least one second message includes data corresponding to a secondary certificate of the automated banking machine, wherein the secondary certificate of the automated banking machine includes data corresponding to a public key of the automated banking machine; and

c) validating the secondary certificate of the automated banking machine using the secondary public key of the CA;

d) receiving with a host system at least one third message, wherein the at least one third message includes data representative of a request to transfer a terminal master key to the automated banking machine;

e) generating a terminal master key;

f) generating first encrypted data using the public key of the automated banking machine, wherein the first encrypted data includes data corresponding to the terminal master key; and

g) sending from the host system at least one fourth message to the automated banking machine, wherein the at least one fourth message includes data corresponding to the first encrypted data.

30. A method comprising:

a) receiving with a host system, at least one first message from an automated banking machine that includes a cash dispenser, wherein the at least one first message includes data corresponding to at least one original certificate of the automated banking machine signed by an initial certificate authority (CA), wherein the at least one original certificate of the automated banking machine includes data corresponding to an original public key of the automated banking machine; and

b) validating the original certificate of the automated banking machine using a public key of the initial CA;

c) receiving a new certificate of a new CA that is signed by the initial CA, wherein the new certificate of the new CA includes a public key of the new CA;

d) signing the new certificate of the new CA using a private key of the host system to produce data corresponding to a digital signature of the host system;

e) sending from the host system, at least one second message to the automated banking machine, wherein the at least one second message includes data corresponding to the new certificate of the new CA signed in (d) and the digital signature of the host system produced in (d);

f) receiving with the host system, at least one third message from the automated banking machine, wherein the at least one third message corresponds to at least one certificate request message, wherein the at least one certificate request message includes data corresponding to a first public key of the automated banking machine, a first digital signature of the automated banking machine, and a second digital signature of the automated banking machine;

g) validating the first digital signature of the automated banking machine using the first public key of the automated banking machine;

h) validating the second digital signature of the automated banking machine using the original public key of the automated banking machine;

i) causing the new certificate authority to issue a new certificate for the automated banking machine, wherein the new certificate for the automated banking machine includes data corresponding to the first public key of the automated banking machine;

j) sending from the host system, at least one fourth message to the automated banking machine, wherein the at least one fourth message includes data corresponding to the new certificate for the automated banking machine caused to be issued in (i);

k) receiving with a host system at least one fifth message, wherein the at least one fifth message includes data representative of a request to transfer a terminal master key to the automated banking machine;

l) generating a terminal master key;

m) generating first encrypted data using the first public key of the automated banking machine, wherein the first encrypted data includes data corresponding to the terminal master key; and

n) sending from the host system at least one sixth message to the automated banking machine, wherein the at least one sixth message includes data corresponding to the first encrypted data.

31. The method according to claim 30, wherein in step (f) the at least one certificate request message includes data corresponding to a serial number of an encrypting pin pad (EPP) of the automated banking machine, wherein in step (i) the new certificate for the automated banking machine includes data corresponding to the serial number of the EPP.

32. The method according to claim 30, and prior to step (f) further comprising:

o) receiving with the host system, at least one seventh message from the automated banking machine, wherein the at least one seventh message includes data representative of an acknowledgment that the new certificate of the new CA was accepted by the automated banking machine.

33. The method according to claim 30, wherein prior to step (i) further comprising:

o) sending with the host system, at least one seventh message to the automated banking machine, wherein the at least one seventh message includes data representative of a command to cause the automated banking machine to send the at least one third message.

34. The method according to claim 33, further comprising:

p) receiving with the host system, at least one eighth message from the automated banking machine, wherein the at least one eighth message includes data representative of an acknowledgment that the new certificate for the automated banking machine was accepted by the automated banking machine.

35. The method according to claim 30, and prior to step (f) further comprising:

o) sending with the host system, at least one seventh message to the automated banking machine, wherein the at least one seventh message includes data corresponding to at least one new certificates of the host system that were issued by the new CA.

36. A method comprising:

a) receiving with a host system from an automated banking machine including a cash dispenser, data corresponding to a public key associated with the automated banking machine;

b) sending from the host system to the automated banking machine data corresponding to a public key associated with the host system;

c) through operation of the host system, causing first encrypted data to be generated using the public key associated with the automated banking machine, wherein the first encrypted data includes data corresponding to at least one first key;

d) sending from the host system to the automated banking machine, at least one message including data corresponding to the first encrypted data;

e) sending from the host system to the automated banking machine, at least one message including data corresponding to second encrypted data encrypted using the at least one first key, wherein the second encrypted data includes data corresponding to a second key;

f) receiving with the host system from the automated banking machine at least one message including data corresponding to third encrypted data encrypted using the second key;

g) through operation of the host system, determining that a banking transaction is authorized using data corresponding to the third encrypted data received in (f);

h) responsive to (g) sending from the host system to the automated banking machine, a message including data indicating that the banking transaction is authorized to be performed.

37. The method according to claim 36, wherein in (g) the third encrypted data includes data corresponding to a PIN associated with a financial account.

38. The method according to claim 36, wherein in (f) the banking transaction includes dispensing cash through operation of the automated banking machine.

39. Computer readable media bearing computer executable instructions which are operative to cause at least one computer included in the host system to cause the host system to carry out the method steps recited in claim 36.