Card reading automated banking machine authorization based on user location verification

• US 7,866,544 B1
• Filed: 03/07/2006
• Issued: 01/11/2011
• Est. Priority Date: 11/26/2002
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Blackson, Dale, Enright, Jeffery M., Ramachandran, Natarajan, Graef, H. Thomas, Block, James
• Primary Examiner(s): ST CYR, DANIEL
• Application Number:
  US11/370,513
• Time in Patent Office: 1,771 Days
• Field of Search: 235/379, 235/380, 235/382
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/2055 Anti-skimming aspects at ATMs
• CPC Class Codes: G07F 19/207 Surveillance aspects at ATMs
• CPC Class Codes: G07G 3/003 Anti-theft control theft alarms G08B13/00
• CPC Class Codes: H04W 4/021 Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences

Abstract

An ATM transaction request is authorized based on the determined location of an authorized user relative to the ATM. Identification of an authorized ATM user is linked to a remotely locatable item (e.g., a cell phone) of the authorized user. An ATM receiving the identification causes the location of the cell phone to be determined. A comparison is then made of the cell phone location and the ATM location. If the locations correspond, then the current ATM user is recognized as the authorized user and ATM transactions are permitted. If the locations do not correspond, then the current ATM user is denied ATM transactions. The security arrangement can prevent an unauthorized ATM user from using a fraudulent ATM card to access a financial account.

Claims

1. A method comprising:

(a) determining a Global Positioning System (GPS) location of a self-service automated teller machine (ATM) which includes a currency dispenser operative to dispense currency from the ATM, responsive to customer account data input to the ATM;

(b) determining a GPS location of a customer cell phone linked to the customer account data;

(c) responsive to correspondence between the GPS location determined in step (a) and the GPS location determined in step (b), authorizing customer account usage for a cash withdrawal transaction at the ATM prior to any communication between the cell phone and the ATM.

2. Apparatus comprising:

a self-service automated teller machine (ATM),

wherein the ATM includes a currency dispenser operative to dispense currency from the ATM,

wherein the ATM is located at a determinable Global Positioning System (GPS) location,

wherein the ATM is operative to want a cash withdrawal transaction responsive to receiving from a customer, input affiliated with a cell phone verified through use of GPS to be at a GPS location corresponding to the GPS location of the ATM,

wherein the ATM is operative to grant the cash withdrawal transaction prior to any communication between the cell phone and the ATM.