Card activated cash dispensing automated banking machine

• US 8,020,759 B1
• Filed: 05/21/2010
• Issued: 09/20/2011
• Est. Priority Date: 07/16/2002
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Block, James, McCoy, Donald, Parsons, Donald, Edwards, Judith
• Primary Examiner(s): LE, THIEN MINH
• Application Number:
  US12/800,723
• Time in Patent Office: 487 Days
• Field of Search: 235/375, 235/383, 235/379, 235/380, 235/382, 235/486, 235/487, 235/492
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3823 combining multiple encryption tools for a transaction
• CPC Class Codes: G06Q 20/3825 Use of electronic signatures
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/206 Software aspects at ATMs
• CPC Class Codes: G07F 7/084 Additional components relating to data transfer and storing, e.g. error detection, self-diagnosis
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A card activated cash dispensing automated banking machine is provided which includes a safe and at least a portion of a cash dispenser positioned within the safe. The cash dispenser includes an input device which when manually operated from within the safe causes the cash dispenser to accept data usable to authenticate communicates received from a computer located outside the safe in the automated banking machine. The cash dispenser is operative responsive to authenticated communication to dispense cash.

Claims

1. Apparatus comprising:

an automated banking machine that operates responsive to data read from data bearing records to cause financial transactions, including;

a plurality of hardware components including;

a card reader operative to read card data on user cards corresponding to financial accounts; and

a cash dispenser;

at least one computer in operative connection with the plurality of hardware components;

at least one door;

a housing, wherein the at least one computer, the at least one door, and the plurality of hardware components are in operatively supported connection with the housing, wherein the at least one door is movable between a closed position and an open position,

wherein at least one of the hardware components includes at least one input device positioned inside the housing, wherein when the at least one door is in the open position the at least one input device is operative to receive an input through manual operation of the at least one input device, wherein when the at least one door is in the closed position the at least one input device is not capable of receiving the input through manual operation of the at least one input device,

wherein the at least one hardware component is responsive to the input received through manual operation of the at least one input device to cause the at least one hardware component to accept data received from the least one computer by the at least one hardware component for use with authenticating communications received by the at least one hardware component from the at least one computer, wherein when the at least one door is in the closed position, the at least one hardware component is operative to authenticate at least one communication received from the at least one computer using the accepted data, wherein the at least one hardware component is operative to carry out a transaction function responsive to the at least one authenticated communication received from the at least one computer.

2. The apparatus according to claim 1, further comprising a safe in operatively supported connection with the housing, wherein the safe includes the at least one door movable between the closed position and the open position with respect to an opening into the safe, wherein at least a portion of the at least one hardware component is located within the safe, wherein the at least one input device of the at least one hardware component is located within the safe, wherein when the door of the safe is in the open position, the at least one input device is capable of being manually operated, wherein the at least one computer is located in the housing outside the safe.

3. The apparatus according to claim 2, wherein the at least one hardware component includes the cash dispenser, wherein the at least one input device is mounted to portions of the cash dispenser located inside the safe, wherein the transaction function includes dispensing cash.

4. The apparatus according to claim 1, wherein the at least one hardware component includes at least one data store, wherein the at least one hardware component is operative to store the accepted data in the at least one data store of the at least one hardware component.

5. The apparatus according to claim 4, wherein the at least one computer includes at least one computer hardware device, wherein the at least one computer hardware device includes stored therein data capable of being sent to the at least one hardware component by the at least one computer and capable of being accepted by the at least one hardware component for use with authenticating communications received by the at least one hardware component from the at least one computer.

6. The apparatus according to claim 5, wherein the at least one computer hardware device includes a hard drive.

7. The apparatus according to claim 5, wherein the at least one computer hardware device includes a processor.

8. The apparatus according to claim 5, wherein that data stored in the at least one computer hardware device that is capable of being sent to the at least one hardware component by the at least one computer and that is capable of being accepted by the at least one hardware component for use with authenticating communications received by the at least one hardware component from the at least one computer, includes at least a portion of a serial number associated with the at least one computer hardware device.

9. The apparatus according to claim 1, wherein the at least one computer includes a trusted platform module (TPM), wherein the TPM is operatively configured to securely store data capable of being sent to the at least one hardware component by the at least one computer and capable of being accepted by the at least one hardware component for use with authenticating communications received by the at least one hardware component from the at least one computer.

10. The apparatus according to claim 1, wherein to authenticate the at least one communication, the at least one hardware component is operatively configured to cryptographically determine using the accepted data that the at least one communication includes data which is authorized to cause the at least one hardware component to carry out at least one function.

11. The apparatus according to claim 1, wherein the plurality of hardware components further includes at least one of a depository mechanism and a cash recycler.

12. Apparatus comprising:

an automated banking machine that operates responsive to data read from data bearing records to cause financial transactions, including;

a plurality of hardware components including;

a card reader operative to read card data on user cards corresponding to financial accounts; and

at least one of a cash dispenser and a cash recycler;

at least one computer in operative connection with the plurality of hardware components, wherein the at least one computer includes a trusted platform module (TPM);

at least one door;

a housing, wherein the at least one computer, the at least one door, and the plurality of hardware components are in operatively supported connection with the housing, wherein the at least one door is movable between a closed position and an open position,

wherein at least one of the hardware components includes at least one input device positioned inside the housing, wherein when the at least one door is in the open position the at least one input device is operative to receive an input through manual operation of the at least one input device, wherein when the at least one door is in the closed position the at least one input device is not capable of receiving the input through manual operation of the at least one input device,

wherein the TPM is operatively configured to be used by the at least one computer to securely store data capable of being sent to the at least one hardware component by the at least one computer,

wherein the at least one hardware component is responsive to the input received through manual operation of the input device to cause the at least one hardware component to accept from the at least one computer, the data stored by the TPM, wherein when the at least one door is in the closed position, the at least one hardware component is operative to authenticate at least one communication received from the at least one computer using the accepted data, wherein the at least one hardware component is operative to carry out a function responsive to the at least one authenticated communication received from the at least one computer.

13. Apparatus comprising:

an automated banking machine that operates responsive to data read from data bearing records to cause financial transactions, including;

a plurality of hardware components including;

a card reader operative to read card data on user cards corresponding to financial accounts; and

at least one of a cash dispenser and a cash recycler;

at least one computer in operative connection with the plurality of hardware components;

at least one door;

a housing, wherein the at least one computer, the at least one door, and the plurality of hardware components are in operatively supported connection with the housing, wherein the at least one door is movable between a closed position and an open position,

wherein at least one of the hardware components includes at least one input device positioned inside the housing, wherein when the at least one door is in the open position the at least one input device is operative to receive an input through manual operation of the at least one input device, wherein when the at least one door is in the closed position the at least one input device is not capable of receiving the input through manual operation of the at least one input device,

wherein the at least one hardware component is responsive to the input received through manual operation of the at least one input device to cause the at least one hardware component to accept data received from the least one computer by the at least one hardware component for use with authenticating at least one communication received by the at least one hardware component from the at least one computer,

wherein when the at least one door is in the closed position, the at least one hardware component is operative to authenticate the at least one communication received from the at least one computer by cryptographically determining using the accepted data that the at least one communication includes data which is authorized to cause the at least one hardware component to carry out at least one function, wherein the at least one hardware component is operative to carry out the at least one function responsive to the at least one authenticated communication received from the at least one computer.

14. Apparatus comprising:

an automated banking machine that operates responsive to data read from data bearing records to cause financial transactions, including;

a plurality of hardware components including;

a card reader operative to read card data on user cards corresponding to financial accounts; and

at least one of a cash dispenser, a cash recycler, and a depository mechanism;

at least one computer in operative connection with the plurality of hardware components;

at least one door;

a housing, wherein the at least one computer, the at least one door, and the plurality of hardware components are in operatively supported connection with the housing, wherein the at least one door is movable between a closed position and an open position,

wherein at least one of the hardware components includes at least one input device positioned inside the housing, wherein when the at least one door is in the open position the at least one input device is operative to receive an input through manual operation of the at least one input device, wherein when the at least one door is in the closed position the at least one input device is not capable of receiving the input through manual operation of the at least one input device,

wherein the at least one hardware component is responsive to the input received through manual operation of the at least one input device to cause the at least one hardware component to accept data received from the least one computer by the at least one hardware component for use with authenticating at least one communication received by the at least one hardware component from the at least one computer,

wherein when the at least one door is in the closed position, the at least one hardware component is operative to authenticate the at least one communication received from the at least one computer using the accepted data, wherein the at least one hardware component is operative to carry out a transaction function responsive to the at least one authenticated communication received from the at least one computer.