Currency dispensing ATM with RFID card reader

• US 7,584,885 B1
• Filed: 02/23/2006
• Issued: 09/08/2009
• Est. Priority Date: 04/01/2003
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Douglass, Mark
• Primary Examiner(s): Paik, Steven S
• Assistant Examiner(s): TAYLOR, APRIL ALICIA
• Application Number:
  US11/361,327
• Time in Patent Office: 1,293 Days
• Field of Search: 235/375, 235379-381, 705/16, 705/17, 705/35, 705/39, 705/41, 705/43, 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 both a magnetic stripe card reader and an RFID tag reader. A user card includes both magnetic stripe data and RFID tag data. The ATM can read both the magnetic stripe data and the RFID tag data from the user card. The magnetic stripe data and the RFID tag data have a predetermined relationship. The ATM can use the RFID tag data in conjunction with the magnetic stripe data to verify the card user as an authorized card user.

Claims

1. Apparatus comprising:

an article,

wherein the article includes at least one magnetic stripe including stripe data,

wherein the article includes at least one RFID tag including tag data,

wherein at least a portion of the tag data and at least a portion of the stripe data have a predetermined relationship,

wherein at least a portion of the tag data enables verification of at least a portion of the stripe data,

wherein the article enables a transaction to be carried out with an automated teller machine (“

ATM”

) including a currency dispenser and operative to output a security question to a user of the ATM,

wherein at least one of the tag data and the stripe data includes a correct response to the security question.

2. The apparatus according to claim 1 wherein the article comprises a user card.

3. The apparatus according to claim 2 wherein the card comprises a smart card including a programmable memory, and wherein the tag data enables verification of data in the programmable memory.

4. The apparatus according to claim 1 wherein the tag data enables verification of an authorized user of the article.

5. The apparatus according to claim 4 wherein the stripe data includes PIN data, and wherein the tag data includes PIN data, wherein the predetermined relationship includes corresponding PIN data.

6. The apparatus according to claim 1 wherein the RFID tag is releasably attached to the article, and wherein the RFID tag includes a self adhesive material.

7. The apparatus according to claim 1 wherein the tag data includes both the security question and the correct response to the security question.

8. An apparatus arrangement comprising:

a card,

wherein the card includes at least one magnetic stripe,

wherein the at least one magnetic stripe includes stripe data,

wherein the stripe data enables a user of the card to be verified as an authorized user of an automated teller machine (“

ATM”

),

a wireless communication device,

wherein the wireless communication device comprises a PDA or a cell phone,

wherein the PDA or cell phone includes card verification data,

wherein the card verification data enables a user of the PDA or cell phone to be verified as an authorized user of the ATM,

wherein the card verification data and the stripe data have a predetermined relationship,

 

wherein the card verification data enables verification of the validity of the stripe data.

9. The apparatus arrangement according to claim 8 wherein at least a portion of the stripe data corresponds to at least a portion of the card verification data.

10. The apparatus arrangement according to claim 8 wherein a combination of the stripe data and the card verification data together enable a user to be verified as an authorized user of the ATM.

11. The apparatus arrangement according to claim 8 wherein the card verification data enables a user of the PDA or cell phone to be verified as an authorized user of an ATM operative to output a security question to a user of the ATM, wherein the card verification data includes a correct answer to the security question.

12. The apparatus arrangement according to claim 11 wherein the card verification data includes the security question.

13. The apparatus arrangement according to claim 8

wherein the PDA or cell phone includes at least one RFID tag,

wherein the at least one RFID tag includes RFID tag data,

wherein the RFID tag data includes the card verification data.

14. The apparatus arrangement according to claim 8 wherein the card verification data enables a user of the PDA or cell phone to be verified as an authorized user of an ATM that is operative to output a security question to a user of the ATM, wherein one of the card verification data and the stripe data includes a correct answer to the security question, and the other one of the card verification data and the stripe data includes the security question.

15. An apparatus arrangement comprising:

at least one article,

wherein the at least one article includes at least one magnetic stripe,

wherein the at least one magnetic stripe includes stripe data,

wherein the stripe data enables a customer of an automated banking machine to be verified as an authorized user of the machine,

wherein the at least one article includes at least one RFID tag,

wherein the at least one RFID tag includes tag data,

wherein the tag data enables the customer to be verified as an authorized user of the machine,

wherein at least a portion of one of the tag data and the stripe data enables verification of at least a portion of the other one of the tag data and the stripe data,

wherein at least one of the tag data and the stripe data includes an answer to a security question.

16. The apparatus arrangement according to claim 15 wherein the at least one article includes a portable device, and wherein the portable device includes the tag data.

17. The apparatus arrangement according to claim 16 wherein the portable device comprises a phone, and wherein the phone includes the tag data.

18. The apparatus arrangement according to claim 15 wherein only one of the tag data and the stripe data includes the answer, and wherein only one of the tag data and the stripe data includes the security question.

19. The apparatus arrangement according to claim 18 wherein the tag data includes both the security question and the answer.

20. The apparatus arrangement according to claim 15 wherein the at least one article comprises a user card, wherein the tag data includes card verification data, wherein the card verification data enables verification of the validity of the stripe data.