ATM user authorization based on user location verification
First Claim
1. A method comprising:
- (a) operating a mobile phone to receive input from a customer,wherein the input causes the phone to send at least one message;
(b) operating at least one computer of a fraud prevention system to receive the at least one message,wherein the fraud prevention system includes at least one system computer and at least one data store;
(c) responsive at least in part to the at least one message received in (b), operating the at least one system computer to modify the at least one data store to set at least one time window within which a financial account associated with the customer is usable in carrying out cash dispense transactions with a banking system which comprises a plurality of cash dispensing automated banking machines including a first automated banking machine,wherein the first automated banking machine is operative to cause financial transfers responsive at least in part to data read from user cards,wherein the first automated banking machine includes;
at least one card reader,wherein the at least one card reader is operative to read from a card of a machine user, card data corresponding to user identification data,at least one cash dispenser,wherein the at least one cash dispenser is operative to cause stored cash to be dispensed,at least one machine computer,wherein the at least one machine computer is in operative connection with the at least one card reader and the at least one cash dispenser,wherein the at least one machine computer is operative during a cash dispense transaction to
cause card data to be read from a user card through operation of the at least one card reader,
cause read card data to be compared with card information stored in a user identification data store, and
cause cash to be dispensed from the machine through operation of the at least one cash dispenser,wherein the at least one machine computer is operative to cause a financial account to be assessed a value associated with cash dispensed;
(d) operating the first automated banking machine to receive from a machine user, a request for a cash dispense transaction, wherein the request includes account data corresponding to the financial account;
(e) operating the first automated banking machine to send the account data to the at least one system computer;
(f) operating the at least one system computer to receive the account data sent in (e);
(g) responsive at least in part to (a), operating the at least one system computer to determine from the at least one data store whether the financial account is currently usable in carrying out a cash dispense transaction with the banking system;
(h) operating the at least one system computer to notify the first automated banking machine that either(hi) the financial account is currently usable to carry out the request, responsive at least in part to a positive determination in (g);
or(hii) the financial account is currently unusable to carry out the request, responsive at least in part to a negative determination in (g),wherein (hii) causes the first automated banking machine to deny the request.
18 Assignments
0 Petitions
Accused Products
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.
-
Citations
20 Claims
-
1. A method comprising:
-
(a) operating a mobile phone to receive input from a customer, wherein the input causes the phone to send at least one message; (b) operating at least one computer of a fraud prevention system to receive the at least one message, wherein the fraud prevention system includes at least one system computer and at least one data store; (c) responsive at least in part to the at least one message received in (b), operating the at least one system computer to modify the at least one data store to set at least one time window within which a financial account associated with the customer is usable in carrying out cash dispense transactions with a banking system which comprises a plurality of cash dispensing automated banking machines including a first automated banking machine, wherein the first automated banking machine is operative to cause financial transfers responsive at least in part to data read from user cards, wherein the first automated banking machine includes; at least one card reader, wherein the at least one card reader is operative to read from a card of a machine user, card data corresponding to user identification data, at least one cash dispenser, wherein the at least one cash dispenser is operative to cause stored cash to be dispensed, at least one machine computer, wherein the at least one machine computer is in operative connection with the at least one card reader and the at least one cash dispenser, wherein the at least one machine computer is operative during a cash dispense transaction to
cause card data to be read from a user card through operation of the at least one card reader,
cause read card data to be compared with card information stored in a user identification data store, and
cause cash to be dispensed from the machine through operation of the at least one cash dispenser,wherein the at least one machine computer is operative to cause a financial account to be assessed a value associated with cash dispensed; (d) operating the first automated banking machine to receive from a machine user, a request for a cash dispense transaction, wherein the request includes account data corresponding to the financial account; (e) operating the first automated banking machine to send the account data to the at least one system computer; (f) operating the at least one system computer to receive the account data sent in (e); (g) responsive at least in part to (a), operating the at least one system computer to determine from the at least one data store whether the financial account is currently usable in carrying out a cash dispense transaction with the banking system; (h) operating the at least one system computer to notify the first automated banking machine that either (hi) the financial account is currently usable to carry out the request, responsive at least in part to a positive determination in (g);
or(hii) the financial account is currently unusable to carry out the request, responsive at least in part to a negative determination in (g), wherein (hii) causes the first automated banking machine to deny the request. - View Dependent Claims (2, 3, 4, 5)
-
-
6. A method comprising:
-
(a) operating a cash dispensing automated banking machine associated with at least one computer to receive during a transaction, account data provided by a user of the machine, wherein the account data corresponds to a financial account comprising customer-changeable account settings which are configurable to associate the financial account with at least one access period during which transactions attempted on the account with the automated banking machine are permitted to be carried out, wherein all transactions attempted on the financial account with the automated banking machine outside of each access period are prevented from being completed; (b) operating the automated banking machine during the transaction to cause the account data to be sent to a fraud prevention system which includes at least one system computer associated with at least one data store storing the account settings, wherein the automated banking machine is associated with a transaction host that is operative to authorized transactions, wherein the fraud prevention system is remotely located from the transaction host; (c) operating the automated banking machine during the transaction to cause at least one transaction message to be sent to the transaction host; and (d) operating the automated banking machine during the transaction to receive either at least one approval message based at least in part on the account data being timely received within an access period associated with the financial account, or at least one disapproval message based at least in part on the account data being untimely received outside of each access period associated with the financial account, wherein the at least one disapproval message causes the automated banking machine to prevent the transaction from being completed. - View Dependent Claims (7, 8, 9, 10)
-
-
11. A method comprising:
-
(a) operating at least one computer to receive account data sent from an automated banking machine, wherein the account data corresponds to a financial account of a user of the machine, wherein the financial account is associated with customer-changeable account settings stored in at least one data store, wherein the account settings are configurable to allow the account to have during the same day, both at least one access period during which transactions attempted on the account with the automated banking machine are permitted to be carried out, and at least one non-access period during which all transactions attempted on the account with the automated banking machine are prevented from being carried out; (b) responsive at least in part to (a), operating the at least one computer to determine from the account settings whether the account is currently in an access period; and (c) operating the at least one computer to send to the automated banking machine either (ci) at least one first message based at least in part on a positive determination in (b);
or(cii) at least one second message based at least in part on a negative determination in (b), wherein the at least one second message prevents a transaction on the account from being carried out with the automated banking machine, wherein the at least one second message differs from the at least one first message. - View Dependent Claims (12, 13, 14, 15, 16, 17)
-
-
18. A method comprising:
-
(a) operating a mobile phone including programming on a first date to receive phone user input which causes a fraud prevention system to set a time window within which an already active financial account is available for use in carrying out cash dispensing transactions with at least one automated banking machine including a reader device and a cash dispenser, wherein the time window is less than twenty-four consecutive hours, wherein outside of the time window the financial account is unavailable for use in carrying out any cash dispensing transaction with the at least one automated banking machine; and (b) operating the mobile phone on the first date subsequent to a cash dispensing transaction carried out on the financial account with the at least one automated banking machine within the time window set in (a), to receive further phone user input which causes the fraud prevention system to close the time window set in (a), which closure causes the financial account to remain active yet unavailable for use in carrying out any cash dispensing transaction with the at least one automated banking machine. - View Dependent Claims (19, 20)
-
Specification