Automated banking machine with noncontact reading of card data

• US 8,146,803 B1
• Filed: 03/11/2008
• Issued: 04/03/2012
• Est. Priority Date: 03/31/2004
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Ramachandran, Natarajan, Douglass, Mark A.
• Primary Examiner(s): VO, TUYEN KIM
• Application Number:
  US12/075,432
• Time in Patent Office: 1,484 Days
• Field of Search: 235/379, 235/383, 235/375, 235/381, 705 39- 45, 705/14.37, 705/14.38, 705/34
• US Class Current: 235/379
• CPC Class Codes: G06K 7/0004 Hybrid readers
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/308 using the Internet of Things
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• 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: G06Q 30/0237 at kiosk
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/205 Housing aspects of 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 can receive user card data from a cell phone. The phone stores the card data of several selectable cards, including electronic account number data. The machine generates and displays a random number correlated with a time period. A machine user manually inputs the displayed random number into their phone. A software application in the phone encrypts the selected card data along with the inputted random number data. The phone displays a bar code image containing the encrypted data. The banking machine includes a bar code reader which can read the displayed image. The machine causes the read data to be decrypted. The random number is used to verify the current transaction session. Thereafter, the user may provide other inputs, including PIN input. The process replaces physical insertion of a card yet allows secure input of the card data. Possible data interception from activities requiring card insertion are also reduced.

Claims

1. A method comprising:

(a) operating at least one computer to cause an automated banking machine to read an encrypted image located adjacent the machine, wherein the machine includes at least one reader device and at least one cash dispenser;

(b) operating the at least one computer to determine a customer account number from the encrypted image read in (a), wherein the customer account number comprises a first number;

(c) operating the at least one computer to cause the machine to carry out a transaction involving the customer account number determined in (b);

(d) operating the at least one computer to determine a second number from the encrypted image read in (a), wherein the second number differs from the first number;

(e) prior to (a), operating the at least one computer to generate a random number; and

(f) operating the at least one computer to determine whether the second number corresponds to the random number.

2. The method according to claim 1 wherein in (e) the random number is correlated with a predetermined valid time period, wherein step (f) includes determining if the second number corresponds to the random number within the valid time period.

3. The method according to claim 1 wherein step (b) is performed responsive to a positive determination in step (f).

4. The method according to claim 1 wherein the automated banking machine includes a machine display device, and further comprising:

(g) prior to step (a), displaying the random number via the machine display device.

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

(g) subsequent to step (a), generating the image through operation of a portable device, wherein the image corresponds to the customer account number and the random number.

6. The method according to claim 5 wherein in step (g) the image comprises a bar code.

7. The method according to claim 5 wherein the portable device comprises a mobile phone and wherein step (g) includes operating the mobile phone in generating the image.

8. The method according to claim 7 wherein the phone includes a phone display screen, and further comprising:

(h) displaying the image on the phone display screen.

9. The method according to claim 8 wherein the at least one reader device comprises an image reader,

wherein step (h) includes displaying the image on the phone display screen while the phone display screen is positioned adjacent to and facing the image reader;

wherein step (a) includes operating the image reader to read the image displayed in step (h).

10. The method according to claim 1 wherein the at least one reader device includes a magnetic stripe card reader, wherein steps (a)-(c) occur without operation of the magnetic stripe card reader.

11. A method comprising:

(a) operating at least one computer to generate a verification code,

wherein the at least one computer is operable to generate different verification codes,

wherein the at least one computer is in operative connection with an image reader operable to read respective images while the respective images are located outside of an automated transaction machine;

(b) operating the at least one computer to determine that at least one image read from a location outside of the machine by the image reader, includes code data that corresponds to the verification code generated in (a); and

(c) operating the at least one computer responsive at least in part to the determination in (b), to allow a transaction involving a customer account number that corresponds to account data included in the at least one image, to proceed at the machine.

12. The method according to claim 11 and further comprising

(d) prior to (c), operating the at least one computer to determine the account data from the at least one image.

13. The method according to claim 12 wherein the at least one image comprises an encrypted image,

wherein (b) includes operating the at least one computer to determine the code data from the encrypted image,

wherein (d) includes operating the at least one computer to determine the account data from the encrypted image.

14. The method according to claim 12 wherein the at least one image comprises an encrypted two-dimensional bar code,

wherein (b) includes operating the at least one computer to determine the code data from the encrypted two-dimensional bar code,

wherein (d) includes operating the at least one computer to determine the account data from the encrypted two-dimensional bar code.

15. The method according to claim 11 and further comprising the automated transaction machine, wherein the machine includes the image reader, wherein the at least one computer is in operative connection with the machine, and further comprising

(d) prior to (b), operating the at least one computer to cause the image reader to read the at least one image while the at least one image is located outside of the machine.

16. The method according to claim 15 wherein the image reader is operable to read images from a mobile phone display screen,

wherein step (d) includes operating the at least one computer to cause the image reader to read the at least one image from a phone display screen positioned adjacent to the image reader.

17. The method according to claim 11 and further comprising the automated transaction machine, wherein the machine includes a machine display device, and further comprising:

(d) prior to (b), operating the at least one computer to cause the machine display device to display the verification code generated in (a).

18. The method according to claim 11 and further comprising

(d) prior to (b), operating the at least one computer to cause the image reader to read the at least one image from a display screen of a mobile phone;

wherein the at least one image read in (d) includes both the code data and the account data.

19. The method according to claim 11 wherein the at least one computer is operable to generate random codes, and wherein in (a) the verification code comprises a randomly-generated code.

20. The method according to claim 11 and further comprising the automated transaction machine, wherein the automated transaction machine includes the image reader and the at least one computer, and wherein (a)-(c) are carried out with the at least one computer of the machine.

21. The method according to claim 11 wherein the at least one computer is remotely located from the machine, and wherein (a)-(c) are carried out while the at least one computer is remotely located from the machine.

22. The method according to claim 11 and further comprising the automated transaction machine, wherein the automated transaction machine includes a cash dispenser,

and further comprising

(d) operating the at least one computer to cause the cash dispenser to dispense cash from the machine.

23. A method comprising:

(a) operating at least one computer to determine from an encrypted image read by an image reader of an automated transaction machine, an input code which was previously generated by the at least one computer for customer use in providing a customer account number to the machine,

(b) operating the at least one computer to use a decryption code that corresponds to the input code determined in (a) to further determine from the encrypted image, the customer account number; and

(c) operating the at least one computer to allow to proceed at the machine, a transaction that involves the customer account number determined in (b).

24. The method according to claim 23 wherein the encrypted image comprises an encrypted bar code that is readable by the image reader,

wherein (a) includes operating at least one computer to determine from the encrypted bar code, the input code,

wherein (b) includes operating at least one computer to determine from the encrypted bar code, the customer account number.

25. The method according to claim 23 wherein the at least one computer is operable to generate random codes, and wherein in (a) the input code comprises a randomly-generated code previously generated by the at least one computer.