Automated banking machine with noncontact reading of card data

• US 7,992,778 B1
• Filed: 12/01/2010
• 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:
  US12/927,988
• Time in Patent Office: 251 Days
• Field of Search: 235/379, 235/380, 235/383, 235/451, 235/492, 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 operates responsive to data read from data bearing records. The data corresponds to card data which corresponds to at least one financial account. The record data is read by a reader and compared to stored data to authorize use of the machine. A financial transfer corresponding to the account may be carried out once use is authorized based on correspondence of the record data. A printed record of transactions is printed by the machine. Record data may alternatively be received by a reading device of the machine from a mobile device of a user, such as a cell phone.

Claims

1. A method of operation of an automated banking machine that operates responsive to data read from data bearing records, comprising:

(a) receiving a first user input via at least one key on an automated banking machine;

(b) responsive at least in part to the first user input received in step (a), providing an output on a display of the automated banking machine;

(c) subsequent to step (b), receiving a second user input via the at least one key;

(d) subsequent to step (c), operating a card data reading device of the automated banking machine to read card data without contacting a card.

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

(e) subsequent to step (d), performing user verification process using card data read in step (d).

3. The method according to claim 1 wherein step (d) includes operating the card data reading device to read card data from a mobile device including phone capability.

4. The method according to claim 3 wherein in (b) the output comprises a value that is unknown to the user prior to the automated banking machine providing the output.

5. The method according to claim 4 wherein in (b) the output comprises a random value.

6. The method according to claim 5 wherein in (d) the card data reading device reads data from a display of a mobile device.

7. The method according to claim 6 wherein in (d), the data read by the card data reading device comprises encrypted data.

8. The method according to claim 7 wherein in (d) the card data reading device reads a two-dimensional bar code.

9. The method according to claim 7 wherein in (d) the encrypted data corresponds to the random value.

10. The method according to claim 7 wherein in (d) the encrypted data is encrypted using the random value.

11. The method according to claim 7 and further comprising:

(e) determining a financial account number corresponding to the encrypted data read in (d) through operation of the machine.

12. The method according to claim 11 wherein in (c) the second user input comprises a personal identification number (PIN).

13. The method according to claim 12 and further comprising:

(f) performing user verification using the financial account number determined in (e) and the PIN received in (c) responsive at least in part to operation of the machine.

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

(g) dispensing cash from the machine responsive at least in part to the user verification in (f).

15. The method according to claim 7 wherein the random value output in (b) is usable by a mobile device to cause the mobile device to output the encrypted data read in (d).

16. The method according to claim 15 wherein (b) further comprises providing a prompt instructing a user to input the random value into a mobile device.

17. The method according to claim 16 and further comprising:

(e) subsequent to (b) and prior to (d), providing at least one output from the automated banking machine prompting placing a display of a mobile device in facing relation with the card data reading device.

18. The method according to claim 3 and further comprising:

operating the automated banking machine to determine if the card data is read within a predetermined period of providing the output in (b).

19. A method of operation of an automated banking machine that operates responsive to data read from data bearing records, comprising:

(a) receiving user input through at least one input device of an automated banking machine;

(b) responsive at least in part to the user input received in step (a), generating a random code through operation of the automated banking machine;

(c) outputting the code through at least one output device of the machine, wherein the code is receivable by a mobile device of a user having phone capability at the automated banking machine;

(d) reading at least one output from the mobile device at the automated banking machine through operation of a card data reading device of the machine, wherein the at least one output corresponds to at least one of credit card and debit card data encrypted using the code.

20. A method of operation of an automated banking machine that operates responsive to data read from data bearing records, comprising:

(a) receiving via at least one user input device of an automated banking machine, at least one user input corresponding to a code request from a user of the machine, wherein the machine includes at least one computer, display screen, and at least one sheet dispenser device;

(b) responsive at least in part to the at least one user input received in step (a), operating the automated banking machine to display on the display screen, a code corresponding to the request in step (a), wherein the code is viewable by and previously unknown to the user.

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

(c) prior to step (b), operating at least one processor associated with the machine to generate a random code, wherein the random code is displayed in step (b).

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

(c) subsequent to step (b), operating the automated banking machine to receive from the user, data having a corresponding relationship to the code displayed in step (b).

23. The method according to claim 22 wherein step (c) includes operating an image reader associated with the machine, to read the data corresponding to the code from a device located adjacent to and outside of the automated banking machine which outputs an image.

24. The method according to claim 23 wherein step (c) includes operating the image reader to read data corresponding to a customer account number and the random code included in an encrypted image located adjacent to and outside of the automated banking machine, and further comprising:

(d) operating the automated banking machine to carry out a transaction involving at least one of a transfer of at least one of to and from an account corresponding to the customer account number.

25. The method according to claim 23 and further comprising:

(d) operating the automated banking machine to compare the code corresponding to the data read by the image reader and the code displayed on the display screen.

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

(c) subsequent to (b), operating the automated banking machine to receive from the user, encrypted data corresponding to a customer account number, wherein the encrypted data was encrypted using the code;

(d) determining through operation of at least one computer associated with the machine responsive at least in part to the encrypted data received in (c), the customer account number.

27. The method according to claim 26 wherein the customer account number corresponds to at least one of credit card data and debit card data, and wherein the automated banking machine includes a reader operative to read a visual image, and wherein step (c) includes operating the reader to read image data including the encrypted data,

and further comprising:

(e) operating the automated banking machine to cause a financial transfer at least one of to and from an account corresponding to the customer account number;

(f) operating a printer of the automated banking machine to print a paper record corresponding to the financial transfer.