Card activated automated banking machine with improved resistance to fraud

• US 7,971,779 B2
• Filed: 10/18/2007
• Issued: 07/05/2011
• 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 H., Enright, Jeffery M., Ramachandran, Natarajan, Jenkins, Randall
• Primary Examiner(s): ST CYR, DANIEL
• Application Number:
  US11/975,293
• Publication Number:
  US 20080041934A1
• Time in Patent Office: 1,356 Days
• Field of Search: 235/375, 235/379, 235/380, 902/8, 902/9, 902/14
• 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 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• 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: G07F 19/211 Software architecture within ATMs or in relation to the ATM network

Abstract

A banking system that is controlled by data bearing records includes a cash dispensing automated banking machine that includes a card reader, a keypad, a cash outlet, a deposit accepting opening and other transaction locations that may be susceptible to the installation of fraud devices. The machine is operative to sense the probable installation of unauthorized devices. Such unauthorized devices may include fraudulent card reading devices, fraudulent keypad input intercepting devices, cash outlet trap devices, deposit input diversion devices or other fraud devices. Control circuitry in operative connection with radiation output and radiation sensing devices, operates to identify conditions corresponding to the probable installation of a fraud device on the machine and to take actions in response thereto.

Claims

1. Apparatus comprising:

a card reader operative to read data from user cards corresponding to financial accounts;

an automated banking machine including;

a housing;

a cash dispenser in operatively supported connection with the housing;

a user interface in operatively supported connection with the housing, wherein the user interface includes at least one input device and at least one output device, wherein the at least one input device includes the card reader;

a user transaction location, wherein at the user transaction location, at least one of user inputs are provided to the machine and items are input to or received from the machine;

at least one radiation output device on the machine, wherein the at least one radiation output device is adjacent the user transaction location;

at least one radiation sensing device on the machine, wherein the at least one radiation sensing device is adjacent the user transaction location;

banking machine control circuitry,

wherein the control circuitry includes at least one processor, wherein the control circuitry is in operative connection with the at least one radiation output device and the at least one radiation sensing device,

wherein the control circuitry is operative to cause the at least one radiation output device to output radiation intermittently,

wherein the control circuitry is operative to determine at least one first radiation level sensed by the at least one radiation sensing device when the at least one radiation output device is not operating,

wherein the control circuitry is operative to determine at least one second radiation level when the at least one radiation output device is operating,

wherein the control circuitry is operative to compare first data corresponding to the at least one first radiation level and second data corresponding to the at least one second radiation level,

wherein the control circuitry is operative to cause the automated banking machine to take at least one action responsive to the comparison.

2. The apparatus according to claim 1 wherein the control circuitry is operative responsive to comparing the first data and the second data to cause the automated banking machine to provide at least one output indicative of an abnormal condition at the machine.

3. The apparatus according to claim 2 wherein the control circuitry is operative to determine if the second data exceeds the first data by at least one value.

4. The apparatus according to claim 3 wherein the second data corresponds to each of a plurality of consecutive second radiation levels, and wherein the control circuitry is operative to determine if the second data exceeds the first data, wherein the first data corresponds to each of a plurality of consecutive respective first radiation levels, by the at least one value.

5. The apparatus according to claim 4 wherein the control circuitry is operative to subtract first data corresponding to each respective first radiation level from second data corresponding to each respective second radiation level, to resolve a respective difference value.

6. The apparatus according to claim 5 wherein the control circuitry is operative to cause each difference value to be compared to the at least one value.

7. The apparatus according to claim 6 wherein the control circuitry is operative to determine if each difference value is at least as great as the at least one value.

8. The apparatus according to claim 7 wherein the control circuitry is operative to cause the banking machine to provide the at least one output responsive to a plurality of difference values being at least as great as the at least one value.

9. The apparatus according to claim 8 wherein the control circuitry is operative to cause the banking machine to provide the at least one output responsive to a plurality of consecutive difference values being at least as great as the at least one value.

10. The apparatus according to claim 9 wherein the control circuitry is operative to cause the radiation output device to operate periodically, and wherein the control circuitry is operative to cause the banking machine to provide the at least one output responsive to all of a plurality of consecutive difference values being at least as great as the at least one value during a time period.

11. The apparatus according to claim 1 wherein the at least one radiation output device comprises an infrared (IR) light emitting diode (LED).

12. The apparatus according to claim 1 wherein the at least one radiation sensing device comprises a photo diode.

13. The apparatus according to claim 12 wherein the first radiation level corresponds to ambient light conditions.

14. The apparatus according to claim 1 wherein the control circuitry includes gain circuitry operative to amplify signals output by the at least one radiation sensing device, and wherein the gain circuitry is operative to provide increased amplification responsive to the at least one radiation sensing device sensing ambient radiation below a threshold.

15. The apparatus according to claim 1 wherein the user interface includes a card reader slot, wherein the card reader slot is in operative connection with the card reader, and wherein the user transaction location includes at least a portion of the card reader slot.

16. The apparatus according to claim 1 wherein the user interface includes a keypad, and wherein the user transaction location includes at least a portion of the keypad.

17. The apparatus according to claim 1 wherein the banking machine includes a cash outlet in operative connection with the cash dispenser, and wherein the user transaction location includes at least a portion of the cash outlet.

18. The apparatus according to claim 1 wherein the banking machine includes an inlet operative to receive deposit items, and wherein the user transaction location includes at least a portion of the inlet.

19. A coded record sensing system comprising:

a card reader operative to read data from user cards corresponding to financial accounts;

an automated banking machine housing;

a cash dispenser in operatively supported connection with the housing;

a user interface including a card reader slot, in operatively supported connection with the housing, wherein the card reader slot is in operative connection with the card reader;

at least one radiation output device associated with an automated banking machine wherein the at least one radiation output device is adjacent the card reader slot;

at least one radiation sensing device associated with the machine, wherein the at least one radiation sensing device is adjacent the card reader slot;

banking machine control circuitry,

wherein the banking machine control circuitry includes at least one processor,

wherein the banking machine control circuitry is in operative connection with the at least one radiation output device and the at least one radiation sensing device;

wherein the control circuitry is operative to cause the at least one radiation output device to output radiation intermittently,

wherein the control circuitry is operative to determine

 

at least one first radiation level sensed by the at least one radiation sensing device when the at least one radiation output device is not operating, and to

 

at least one second radiation level when the at least one radiation output device is operating,

wherein the control circuitry is operative to compare first data corresponding to the determined at least one first radiation level and second data corresponding to the at least one second radiation level,

wherein the control circuitry is operative to cause the machine to take at least one action responsive to the comparison.

20. Apparatus comprising:

at least one computer associated with an automated transaction machine which includes at least one reader device operative to read user data corresponding to financial accounts, a user interface, at least one radiation emitter located adjacent the user interface, and at least one radiation sensor located adjacent the user interface,

wherein the at least one computer is configured to cause the at least one radiation emitter to emit radiation,

wherein the at least one computer is configured to obtain first data, wherein the first data corresponds to at least one radiation level sensed by the at least one radiation sensor while the radiation emitter was operating to emit radiation,

wherein the at least one computer is configured to obtain second data, wherein the second data corresponds to at least one radiation level sensed by the at least one radiation sensor while the radiation emitter was not operating to emit radiation,

wherein the at least one computer is configured to cause a comparison of the first data and the second data,

wherein the at least one computer is configured to cause responsive at least in part to a result of the comparison, the automated transaction machine to take at least one action.

21. The apparatus according to claim 20

wherein the at least one reader device includes a card reader, wherein the user interface includes a card reader slot, wherein the card reader slot is associated with the card reader,

wherein the at least one radiation emitter and the at least one radiation sensor are located adjacent the card reader slot,

wherein the at least one radiation emitter operates to emit radiation adjacent to the card reader slot,

wherein the first data corresponds to at least one radiation level sensed adjacent to the card reader slot while the radiation emitter was operating to emit radiation,

wherein the second data corresponds to at least one radiation level sensed adjacent to the card reader slot while the radiation emitter was not operating to emit radiation.