Automated banking machine remote key load system and method
First Claim
Patent Images
1. Apparatus comprising:
- a card activated cash dispensing automated banking machine,wherein the automated banking machine includes at least one card reader device operative to read a card provided by a user of the machine,wherein the automated banking machine includes a cash dispenser,wherein the automated banking machine includes an encrypting pin pad (EPP), wherein the EPP includes at least one processor and a first private asymmetric key stored in the EPP,wherein the automated banking machine is operative to send at least one first message to a host banking system, wherein the at least one first message includes first data representative of a request to transfer a terminal master key to the automated banking machine, wherein the automated banking machine is operative to receive at least one second message from the host banking system, wherein the at least one second message includes an encrypted terminal master key, wherein the at least one processor of the EPP is operative to validate at least portions of the second message, wherein the at least one processor of the EPP is operative to decrypt the terminal master key with the first private asymmetric key using an asymmetric encryption algorithm, wherein the at least one processor of the EPP is operative to store the terminal master key in the EPP for use with decrypting at least one further key received from the host banking system.
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Abstract
A card activated cash dispensing automated banking machine is provided that is operative to send a message to a host banking system, which message includes data representative of a request to transfer an encrypted terminal master key from the host banking system to the automated banking machine. A processor in an encrypting pin pad (EPP) in the automated banking machine is operative to decrypt a received encrypted terminal master key using an asymmetric encryption algorithm with a first private asymmetric key previously stored in the EPP. The EPP is operative to store the terminal master key in the EPP for use with decrypting at least one further key received from the host banking system.
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Citations
8 Claims
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1. Apparatus comprising:
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a card activated cash dispensing automated banking machine, wherein the automated banking machine includes at least one card reader device operative to read a card provided by a user of the machine, wherein the automated banking machine includes a cash dispenser, wherein the automated banking machine includes an encrypting pin pad (EPP), wherein the EPP includes at least one processor and a first private asymmetric key stored in the EPP, wherein the automated banking machine is operative to send at least one first message to a host banking system, wherein the at least one first message includes first data representative of a request to transfer a terminal master key to the automated banking machine, wherein the automated banking machine is operative to receive at least one second message from the host banking system, wherein the at least one second message includes an encrypted terminal master key, wherein the at least one processor of the EPP is operative to validate at least portions of the second message, wherein the at least one processor of the EPP is operative to decrypt the terminal master key with the first private asymmetric key using an asymmetric encryption algorithm, wherein the at least one processor of the EPP is operative to store the terminal master key in the EPP for use with decrypting at least one further key received from the host banking system. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. Apparatus comprising:
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a card activated cash dispensing automated banking machine, wherein the automated banking machine includes a card reader, a cash dispenser, and an encrypting pin pad (EPP), wherein the automated banking machine reads card data corresponding to financial accounts from user cards with the card reader, wherein the EPP includes at least one processor, wherein the EPP includes a first private asymmetric key stored in the EPP, wherein the automated banking machine includes at least one computer in operative connection with the card reader, the cash dispenser, and the EPP, wherein the at least one computer is operatively configured to send at least one first message to a host banking system, wherein the at least one first message includes first data representative of a request to transfer a terminal master key to the automated banking machine, wherein the at least one computer is operatively configured to receive at least one second message from the host banking system, wherein the at least one second message includes an encrypted terminal master key, wherein the at least one processor of the EPP is operatively configured to validate at least portions of the at least one second message, wherein the at least one processor of the EPP is operatively configured to decrypt the terminal master key with the first private asymmetric key of the EPP using an asymmetric encryption algorithm, wherein the at least one processor of the EPP is operatively configured to store the terminal master key in the EPP for use with decrypting at least one further key received from the host banking system.
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Specification