ATM with RFID card, note, and check reading capabilities

• US 7,284,692 B1
• Filed: 03/29/2005
• Issued: 10/23/2007
• Est. Priority Date: 03/31/2004
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Douglass, Mark
• Primary Examiner(s): Le, Thien Minh
• Application Number:
  US11/093,741
• Time in Patent Office: 938 Days
• Field of Search: 235/379, 235/380, 235/492, 235/493, 235/449, 235/375
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/205 Housing aspects of ATMs

Abstract

An ATM with a currency dispenser includes a contactless card reader. The contactless card reader can read data from an RFID tag of a customer'"'"'s ATM card. The contactless card reader, such as an RFID tag reader, can be located so as to provide additional space for another transaction component. The contactless card reader can also be used in conjunction with a magnetic stripe card reader. The ATM includes a housing for the RFID tag reader that 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. A method comprising:

(a) removing a magnetic stripe card reader from an automated banking machine, wherein the automated banking machine includes a currency dispenser, wherein the magnetic stripe card reader occupied a space in the machine;

(b) subsequent to (a), installing a device that is devoid of the ability to read data from a magnetic stripe of a user card in a space previously occupied by the magnetic stripe card reader removed in step (a);

(c) providing the machine with an RFID tag reader, wherein the RFID tag reader is operative to read RFID tag data from at least one RFID tag; and

(d) reading data from at least one RFID tag using the RFID tag reader, wherein via the data a user can be authorized to carry out a transaction involving the machine.

2. A method comprising:

(a) providing an automated banking machine including a magnetic stripe reader and a fascia having a user card insertion slot, wherein the magnetic stripe reader is operative to receive a user card via the slot, wherein the magnetic stripe reader is operative to read data from a magnetic stripe of a user card inserted into the slot, wherein the automated banking machine includes a currency dispenser that is operative to dispense currency notes from the machine;

(b) providing the automated banking machine with an RFID tag reader, wherein the RFID tag reader is operative to read data from at least one RFID tag of a user card;

(c) reading data from a user card using the RFID tag reader;

(d) prior to (c), providing the automated banking machine with a fascia devoid of a user card insertion slot.

3. A method comprising:

(a) operating an automated teller machine (ATM), to handle at least one currency note having an RFID note tag containing a currency note status corresponding to a state of possession, wherein the ATM includes a currency dispenser, an RFID tag reader, and a controller including at least one computer;

(b) receiving data from a user, wherein via the data a user can be authorized to carry out a transaction involving the ATM; and

(c) operating the controller to cause the status of at least one currency note to be changed from a first state to a second state.

4. The method according to claim 3 and further comprising

(d) receiving at least one currency note during a deposit transaction with the ATM,

wherein (c) includes changing the status of the at least one currency note received in (d).

5. The method according to claim 4 wherein (c) includes changing the status to indicate that the at least one currency note is under the possession of a financial organization affiliated with the ATM.

6. The method according to claim 3 and further comprising

(d) operating the currency dispenser to dispense at least one currency note from the ATM,

wherein prior to (d), (c) includes changing the status of the at least one currency note to be dispensed in (d).

7. The method according to claim 6 wherein (c) includes changing the status to indicate that the at least one currency note is under the possession of a machine user.

8. Apparatus comprising:

an automated teller machine (ATM), wherein the ATM is operative to handle at least one currency note having an RFID tag containing a currency note possession status corresponding to a state of currency note possession, wherein the ATM includes;

a currency dispenser operative to dispense currency notes,

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

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

a controller including at least one computer,

wherein the controller is in operative communication with each of the currency dispenser, the magnetic stripe reader, and the RFID tag reader,

wherein the controller is operative to cause currency note possession status to be changed from a first state to a second state,

wherein via read data a user can be authorized to carry out a transaction involving the ATM.

9. The apparatus according to claim 8 and further including at least one currency note including at least one RFID tag, wherein the at least one RFID tag contains a currency note possession status, wherein the possession status indicates whether the currency note is under the possession of a financial entity affiliated with the ATM.

10. Apparatus comprising:

an automated banking machine including;

a cash dispenser operative to dispense currency notes,

a fascia devoid of a user card insertion slot,

an RFID tag reader operative to read a user account number from at least one RFID tag of a user card,

a controller including at least one computer, wherein the controller is in operative connection with the cash dispenser and the RFID tag reader,

wherein the controller is operative to cause operation of the cash dispenser,

wherein the controller is operative to cause operation of the RFID tag reader,

wherein the controller is operative to cause the cash dispenser to dispense currency notes during a cash withdrawal transaction involving the user account number read by the RFID tag reader.