Automated transaction machine with card reader that can read unique magnetic characteristic of a magnetic stripe
First Claim
1. A method comprising:
- (a) operating at least one machine controlling computer to cause an automated transaction machine to read identifying data from a magnetic stripe of a card during a financial transaction, wherein the at least one machine controlling computer is operative to control the machine, wherein the machine includes at least one reader;
(b) operating the at least one machine controlling computer to cause the machine to sense a unique magnetic characteristic of the magnetic stripe, wherein the magnetic characteristic differs from the identifying data;
(c) operating the at least one machine controlling computer to cause at least one transaction message to be sent to a transaction host computer that is both operative to authorize transactions and remotely located from the machine,wherein the at least one transaction message includes identifying data read in (a) and a request for authorization of the transaction;
(d) operating the at least one machine controlling computer to cause at least one message to be sent through a communication path which is independent of the transaction host computer, to a card validation computer that is remotely located from both the machine and the transaction host computer,wherein the at least one message includes identifying data read in (a) and magnetic characteristic data which corresponds to the magnetic characteristic sensed in (b);
(e) subsequent to (c), operating the at least one machine controlling computer to receive from the transaction host-computer;
authorization for the transaction;
(f) subsequent to (d), operating the at least one machine controlling computer to receive from the card validation computer through a communication path which is independent of the transaction host computer, information indicative that the card is a valid card for the transaction; and
(g) operating the at least one machine controlling computer responsive at least in part to both (e) and (f), to cause the machine to allow the transaction to be carried out;
wherein steps (a)-(g) occur during a same transaction session at the machine.
11 Assignments
0 Petitions
Accused Products
Abstract
An automated transaction machine includes a card reader that can read a unique magnetic characteristic of a magnetic stripe on a card. The machine can then send data reflective of the read characteristic to a remote card validator. The card validator can compare the received data to referenced magnetic characteristic data corresponding to cards authorized for use with the machine. The machine can also communicate with a transaction host computer to carry out a financial transaction. As a result of the magnetic data comparison, an invalid card can be discovered and a fraudulent transaction prevented. Communication between the card validator and machine is independent from communication between the transaction host and machine.
47 Citations
20 Claims
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1. A method comprising:
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(a) operating at least one machine controlling computer to cause an automated transaction machine to read identifying data from a magnetic stripe of a card during a financial transaction, wherein the at least one machine controlling computer is operative to control the machine, wherein the machine includes at least one reader; (b) operating the at least one machine controlling computer to cause the machine to sense a unique magnetic characteristic of the magnetic stripe, wherein the magnetic characteristic differs from the identifying data; (c) operating the at least one machine controlling computer to cause at least one transaction message to be sent to a transaction host computer that is both operative to authorize transactions and remotely located from the machine, wherein the at least one transaction message includes identifying data read in (a) and a request for authorization of the transaction; (d) operating the at least one machine controlling computer to cause at least one message to be sent through a communication path which is independent of the transaction host computer, to a card validation computer that is remotely located from both the machine and the transaction host computer, wherein the at least one message includes identifying data read in (a) and magnetic characteristic data which corresponds to the magnetic characteristic sensed in (b); (e) subsequent to (c), operating the at least one machine controlling computer to receive from the transaction host-computer;
authorization for the transaction;(f) subsequent to (d), operating the at least one machine controlling computer to receive from the card validation computer through a communication path which is independent of the transaction host computer, information indicative that the card is a valid card for the transaction; and (g) operating the at least one machine controlling computer responsive at least in part to both (e) and (f), to cause the machine to allow the transaction to be carried out; wherein steps (a)-(g) occur during a same transaction session at the machine. - View Dependent Claims (2, 3, 4, 5)
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6. A method comprising:
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(a) receiving at an automated transaction machine that is operative to independently communicate with both a transaction host computer and an authorization computer remotely located from the machine, communication from the host computer during a financial transaction, wherein the communication includes authorization from the host computer for the transaction, wherein the authorization is received from the host computer through a communication path which is independent of the authorization computer, wherein the authorization is received as a result of computer determined correspondence between stored account data and account identifying data obtained by the machine from a data bearing record of a machine user; (b) receiving at the machine during the transaction, communication from the authorization computer, wherein the communication includes authorization from the authorization computer for the transaction, wherein the authorization is received from the authorization computer through a communication path which is independent of the host computer, wherein the authorization is received as a result of computer determined correspondence between stored characteristic data and a unique characteristic of the data bearing record obtained by the machine from the data bearing record, wherein the unique characteristic differs from the account identifying data. - View Dependent Claims (7, 8, 9, 10, 11)
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12. A method comprising:
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(a) operating at least one machine controlling computer to cause an automated transaction machine to receive communication from a transaction host computer during a financial transaction, wherein the communication includes authorization from the host computer for the transaction, wherein the authorization is received at least in part as a result of computer determined correspondence between stored account data and account identifying data obtained by the machine from a data bearing record of a machine user, wherein the at least one machine controlling computer is operative to control the machine; (b) operating the at least one machine controlling computer to cause the machine to receive communication from an authorization computer during the transaction, wherein the communication includes authorization from the authorization computer for the transaction; wherein the authorization is received at least in part from the authorization computer through a communication path which is independent of the host computer, wherein the authorization is received as a result of computer determined correspondence between stored characteristic data and a unique characteristic signature of a particular property of a memory of the data bearing record obtained by the machine from the data bearing record, wherein the unique characteristic signature differs from the account identifying data, wherein in (a) the authorization is received from the host computer through a communication path which is independent of the authorization computer. - View Dependent Claims (13, 14, 15, 16)
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17. Apparatus comprising:
at least one machine controlling computer, wherein the at least one machine controlling computer is configured to control an automated transaction machine during a financial transaction to obtain both a unique characteristic signature of a particular property of a memory of a data bearing record presented by a machine user, and account identifying data from the data bearing record, wherein the account identifying data differs from the characteristic signature, wherein the at least one machine controlling computer is configured to communicate during the transaction with at least one validation computer which is remotely located from both the machine and a transaction host computer of the machine and which is operative to determine from the characteristic signature whether the data bearing record is a valid data bearing record for the transaction, wherein the at least one machine controlling computer is configured to cause at least one message to be sent to the at least one validation computer through a communication path which is independent of the host computer, wherein the at least one message includes the account identifying data and characteristic data corresponding to the characteristic signature, wherein the at least one machine controlling computer is configured to receive from the at least one validation computer through a communication path which is independent of the host computer, a validation computer transaction authorization resulting from correspondence determined by the at least one validation computer between a stored valid characteristic signature and the characteristic data, wherein the at least one machine controlling computer is configured to communicate during the transaction with the host computer, which is remotely located from the machine, wherein the at least one machine controlling computer is configured to cause at least one message to be sent to the host computer through a communication path which is independent of the at least one validation computer, wherein the at least one message includes the account identifying data, wherein the at least one machine controlling computer is configured to receive from the host computer through a communication path which is independent of the at least one validation computer, a host computer transaction authorization resulting from correspondence determined through the host computer between stored valid account data and the account identifying data, wherein the at least one machine controlling computer is configured to cause the machine to carry out the transaction responsive at least in part to receiving both the validation computer transaction authorization and the host computer transaction authorization. - View Dependent Claims (18)
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19. Apparatus comprising:
at least one machine controlling computer, wherein the at least one machine controlling computer is configured to control an automated transaction machine during a financial transaction, wherein the at least one machine controlling computer is configured to receive during the transaction, both (i) a transaction authorization that is based on the machine obtaining from a memory of a user data-bearing record, stored account identifying data which corresponds to stored account data in a data store of valid account data, from a first computer remotely located from the machine, through a communication path which is independent of a second computer remotely located from both the machine and the first computer; and (ii) a transaction authorization that is based on the machine obtaining a characteristic signature of a particular property of the memory which corresponds to a stored characteristic signature in a data store of valid characteristic signatures, wherein the characteristic signature is caused by a unique physical arrangement of matter which forms structure of the memory, wherein the characteristic signature is unique to the user data-bearing record, and wherein the characteristic signature is independent of the stored account identifying data, from the second computer through a communication path which is independent of the first computer; wherein the at least one machine controlling computer is configured to cause the machine to complete the transaction responsive to receiving both the transaction authorization of (i) and the transaction authorization of (ii). - View Dependent Claims (20)
Specification