Automated banking machine with nonconctact reading of card data

• US 7,992,776 B1
• Filed: 03/11/2008
• Issued: 08/09/2011
• 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 A., Ramachandran, Natarajan
• Primary Examiner(s): Le, Thien M.
• Assistant Examiner(s): VO, TUYEN KIM
• Application Number:
  US12/075,352
• Time in Patent Office: 1,246 Days
• Field of Search: 235/379, 235/380, 235/383, 705 39- 45
• US Class Current: 235/379
• CPC Class Codes: G06K 7/0004 Hybrid readers
• CPC Class Codes: G06Q 20/308 using the Internet of Things
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/205 Housing aspects of ATMs
• CPC Class Codes: G07F 19/207 Surveillance aspects at ATMs
• CPC Class Codes: G07F 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
• CPC Class Codes: G07F 7/1075 PIN is checked remotely

Abstract

An automated banking machine can receive user card data from a cell phone. The phone stores the card data of several selectable cards, including electronic account number data. The machine generates and displays a random number correlated with a time period. A machine user manually inputs the displayed random number into their phone. A software application in the phone encrypts the selected card data along with the inputted random number data. The phone displays a bar code image containing the encrypted data. The banking machine includes a bar code reader which can read the displayed image. The machine causes the read data to be decrypted. The random number is used to verify the current transaction session. Thereafter, the user may provide other inputs, including PIN input. The process replaces physical insertion of a card yet allows secure input of the card data. Possible data interception from activities requiring card insertion are also reduced.

Claims

1. A method comprising:

(a) operating an automated banking machine to output a generated code;

(b) operating the automated banking machine to receive data from a user of the automated banking machine, wherein the data corresponds to user account data and the code.

2. The method according to claim 1 wherein step (a) includes displaying the code on display screen of the automated banking machine.

3. The method according to claim 1 wherein step (b) includes reading an image that corresponds to both the user account data and the code.

4. The method according to claim 3 wherein step (b) includes operating a reader device of the automated banking machine to read the image.

5. The method according to claim 4 wherein the image comprises a bar code, wherein step (b) includes reading the bar code.

6. The method according to claim 5 wherein the reader device comprises a bar code reader, wherein step (b) includes reading the bar code with the bar code reader.

7. The method according to claim 5 wherein the reader device comprises a scanner device, wherein step (b) includes scanning the bar code.

8. The method according to claim 7 wherein step (b) includes capturing an image of the bar code.

9. The method according to claim 1 and further comprising:

(c) prior to (a), operating the automated banking machine to generate the code;

wherein (a) includes outputting the code generated in (c).

10. The method according to claim 9 wherein (c) includes operating the automated banking machine to randomly generate the code.

11. The method according to claim 1 wherein step (a) includes printing the code.

12. The method according to claim 1 wherein step (a) includes transmitting the code.

13. The method according to claim 12 wherein step (a) includes wirelessly transmitting the code from the automated banking machine.

14. The method according to claim 13 wherein step (a) includes transmitting the code in a radio frequency identification (RFID) signal.

15. The method according to claim 13 and further comprising:

(c) receiving the code with a cell phone.

16. The method according to claim 1, wherein the automated banking machine includes a cash dispenser, and further comprising:

(c) dispensing cash to the user from the automated banking machine;

(d) assessing an account corresponding to the user account data for the cash dispensed in (c) responsive to operation of the automated banking machine.

17. The method according to claim 1 wherein (b) includes reading data output by a cell phone with a reading device of the automated banking machine.

18. The method according to claim 17 wherein (b) includes reading encrypted image data output from a display of the cell phone.

19. The method according to claim 18 wherein in (b) the encrypted image data comprises a two-dimensional bar code.

20. The method according to claim 17 and further comprising:

(c) determining the user account data through operation of at least one computer responsive to the code.

21. The method according to claim 20 and further comprising:

(d) storing the code in at least one data store, wherein the at least one data store is in operative connection with the at least one computer;

and wherein (c) includes recovering the code from the at least one data store.