Card activated automated banking machine system and method
First Claim
1. A method comprising:
- (a) determining through operation of at least one processor in an automated banking machine,wherein the machine includesat least one data reader operable to read user data usable to identify a financial account,a display, anda cash dispenser,wherein the machine is operable to carry out a transaction involving a financial account that corresponds to user data read by the at least one data reader,responsive to operative communication of at least one authorization signal between the at least one processor and the display,wherein the at least one authorization signal includesa first authorization signal communicated by the at least one processor to the display, anda second authorization signal communicated from the display to the at least one processor,wherein at least a portion of one of the first authorization signal and the second authorization signal, is a function of at least a portion of a serial number associated with at least one of the at least one processor and the display,that at least one of the display and the at least one processor is an authorized component authorized to operate in the automated banking machine;
(b) responsive to the determination in (a), causing the automated banking machine to carry out at least one transaction function responsive to operation of the at least one processor,wherein the at least one transaction function includes providing at least one visible output through the display.
21 Assignments
0 Petitions
Accused Products
Abstract
A card actuated automated banking machine (10) is operative to carry out financial transactions responsive to data included on user cards. The machine includes a user interface (15) including a display (24). The user interface includes a card reader (16) which is operative to read data on user cards which identify at least one of user and a user'"'"'s financial accounts. A fascia of the machine includes a keypad (404, 438, 458) through which users input confidential data. Covers (400, 422, 430) prevent unauthorized persons from viewing confidential inputs to the keypad. Authorization signals assure that the display is operating in a manner that provides appropriate user instructions. A visual indicator is operative to indicate to a user that keypad inputs are being encrypted.
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Citations
22 Claims
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1. A method comprising:
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(a) determining through operation of at least one processor in an automated banking machine, wherein the machine includes at least one data reader operable to read user data usable to identify a financial account, a display, and a cash dispenser, wherein the machine is operable to carry out a transaction involving a financial account that corresponds to user data read by the at least one data reader, responsive to operative communication of at least one authorization signal between the at least one processor and the display, wherein the at least one authorization signal includes a first authorization signal communicated by the at least one processor to the display, and a second authorization signal communicated from the display to the at least one processor, wherein at least a portion of one of the first authorization signal and the second authorization signal, is a function of at least a portion of a serial number associated with at least one of the at least one processor and the display, that at least one of the display and the at least one processor is an authorized component authorized to operate in the automated banking machine; (b) responsive to the determination in (a), causing the automated banking machine to carry out at least one transaction function responsive to operation of the at least one processor, wherein the at least one transaction function includes providing at least one visible output through the display. - View Dependent Claims (2, 3)
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4. A method comprising:
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(a) determining through operation of at least one processor in an automated banking machine, wherein the machine includes at least one data reader operable to read user data usable to identify a financial account, a display, and a cash dispenser, wherein the machine is operable to carry out a transaction involving a financial account that corresponds to user data read by the at least one data reader, responsive to operative communication of at least one authorization signal between the at least one processor and the display, wherein the at least one authorization signal includes a first authorization signal communicated by the at least one processor to the display, and a second authorization signal communicated from the display to the at least one processor, wherein at least a portion of one of the first authorization signal and the second authorization signal, is a function of a current time determined through operation of the at least one processor, that at least one of the display and the at least one processor is an authorized component authorized to operate in the automated banking machine; (b) responsive to the determination in (a), causing the automated banking machine to carry out at least one transaction function responsive to operation of the at least one processor, wherein the at least one transaction function includes providing at least one visible output through the display. - View Dependent Claims (5, 6)
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7. A method comprising:
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(a) determining through operation of at least one processor in an automated banking machine, wherein the machine includes at least one data reader operable to read user data usable to identify a financial account, a display, and a cash dispenser, wherein the machine is operable to carry out a transaction involving a financial account that corresponds to user data read by the at least one data reader, responsive to operative communication of at least one authorization signal between the at least one processor and the display, wherein the at least one authorization signal includes a first authorization signal communicated by the at least one processor to the display, and a second authorization signal communicated from the display to the at least one processor, wherein one of at least a portion of the first authorization signal is encrypted using a first private key associated with the at least one processor, and at least a portion of the second authorization signal is encrypted using a second private key associated with the display, that at least one of the display and the at least one processor is an authorized component authorized to operate in the automated banking machine; (b) responsive to the determination in (a), causing the automated banking machine to carry out at least one transaction function responsive to operation of the at least one processor, wherein the at least one transaction function includes providing at least one visible output through the display. - View Dependent Claims (8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A method comprising:
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(a) operating a display processor associated with a display of an automated banking machine which comprises a plurality of transaction function components including at least one data reader operable to read user data usable to identify a financial account, and which is operable to carry out a user transaction involving a financial account that corresponds to user data read by the at least one data reader; to send independent of user input to the display, at least one machine processor authentication signal; (b) determining through operation of the display processor, responsive at least in part to (a), whether received first signals provided by a first processor, were provided by an authorized processor of the machine; and (c) responsive at least in part to the determination in (b), operating the display processor to either; (ci) cause the display to produce during a user transaction with the machine, visual outputs that correspond to received visual output signals provided by the first processor, responsive to a positive determination in (b);
or(cii) cause the display not to produce visual outputs that correspond to received visual output signals provided by the first processor, responsive to a negative determination in (b). - View Dependent Claims (18, 19, 20)
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21. A method comprising:
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(a) operating at least one processor associated with an automated banking machine which comprises a plurality of transaction function components including a display and at least one data reader operable to read user data usable to identify a financial account, and which is operable to carry out a user transaction involving a financial account that corresponds to user data read by the at least one data reader; to determine whether the at least one processor received during a user transaction session with the machine, at least one display authentication signal sent by the display independent of user input to the display, which verifies the display as a component authorized to perform at least one transaction function in carrying out a user transaction with the machine during the user transaction session; and (b) subsequent to (a), operating the at least one processor to either; (bi) continue the user transaction, responsive to a positive determination in (a), wherein continuing the transaction includes providing at least one visible output through the display;
or(bii) discontinue the user transaction, responsive to a negative determination in (a), and cause at least one message to be sent to a computer remotely located from the automated banking machine, wherein the at least one message indicates a potential condition involving the display. - View Dependent Claims (22)
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Specification