ATM transaction authorization based on user location verification
First Claim
1. An apparatus comprising:
- an automated banking machine customer card including card data corresponding to an already active financial account,wherein the financial account is associated with account settings stored in at least one data store,a mobile phone that includes card protection programming associated with the card,wherein the account settings are customer-changeable responsive to customer input to the phone, to automatically turn the card off and on with regard to the card being usable to carry out an automated banking machine transaction,wherein when the card is on,the card is usable to carry out at least one financial transaction with an automated banking machine which includes
a card reader operable to read from the card, the card data corresponding to the financial account, and
at least one cash dispenser operable to cause cash to be dispensed from the machine during a cash dispense transaction involving the card,andthe financial account remains active to allow the customer to provide to the phone, input that automatically turns the card off,wherein when the card is off,the card is unusable to carry out any financial transaction with the machine,andthe financial account remains active to allow the customer to provide to the phone, input that automatically turns the card on,wherein the phone allows the customer while located adjacent to the machine, toautomatically turn the financial account on to allow a financial transaction to be carried out with the machine,and then automatically turn the financial account off after the financial transaction was carried out with the machine.
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Accused Products
Abstract
An automated banking machine transaction request is authorized based on a determined location of an authorized user relative to the machine. Identification of an authorized machine user is linked to a remotely locatable item (e.g., a cell phone) of the authorized user. A banking machine receiving the user identification causes the location of the cell phone to be determined. A comparison is then made of the cell phone location and the banking machine location. If the locations correspond, then the current machine user is recognized as the authorized user and machine transactions are permitted. If the locations do not correspond, then the current user is denied transactions at the banking machine. The security arrangement helps prevent an unauthorized person from using a fraudulent card to access a financial account.
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Citations
20 Claims
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1. An apparatus comprising:
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an automated banking machine customer card including card data corresponding to an already active financial account, wherein the financial account is associated with account settings stored in at least one data store, a mobile phone that includes card protection programming associated with the card, wherein the account settings are customer-changeable responsive to customer input to the phone, to automatically turn the card off and on with regard to the card being usable to carry out an automated banking machine transaction, wherein when the card is on, the card is usable to carry out at least one financial transaction with an automated banking machine which includes
a card reader operable to read from the card, the card data corresponding to the financial account, and
at least one cash dispenser operable to cause cash to be dispensed from the machine during a cash dispense transaction involving the card,and the financial account remains active to allow the customer to provide to the phone, input that automatically turns the card off, wherein when the card is off, the card is unusable to carry out any financial transaction with the machine, and the financial account remains active to allow the customer to provide to the phone, input that automatically turns the card on, wherein the phone allows the customer while located adjacent to the machine, to automatically turn the financial account on to allow a financial transaction to be carried out with the machine, and then automatically turn the financial account off after the financial transaction was carried out with the machine. - View Dependent Claims (2, 3, 4, 5, 6)
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7. An apparatus comprising:
a mobile phone that includes fraud prevention programming for an already active financial account, wherein the financial account is associated with customer-changeable account settings stored in at least one data store, wherein the programming allows the phone to receive customer input that causes the account settings to be changed, wherein customer input to the phone is able to create a time window that is less than twenty-four consecutive hours,
wherein within the time window
the financial account is available for use in carrying out cash dispensing transactions with at least one automated banking machine that is operable to carry out a cash dispense transaction involving the financial account responsive at least in part to at least one machine data reader reading customer data usable to identify the financial account,
wherein outside of the time window
the financial account is unavailable for use in carrying out any cash dispensing transaction with the at least one automated banking machine, and
the financial account remains active to allow customer input to the phone that creates a new time window.wherein the programming is operative to sequentially cause on a same date; a first time window to be created responsive to at least one first customer input to the phone, the first time window to be closed responsive to at least one second customer input to the phone, a second time window to be created responsive to at least one third customer input to the phone, and the second time window to be closed responsive to at least one fourth customer input to the phone. - View Dependent Claims (8, 9, 10, 11, 12, 13)
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14. An apparatus comprising:
a mobile phone that includes fraud prevention programming for an already active financial account, wherein the financial account is associated with account settings stored in at least one data store, wherein the account settings are customer-changeable responsive to user input to the phone, to allow the financial account to have on the same date, both at least one access period,
wherein during each access period,
transactions attempted on the financial account are permitted to be carried out with at least one automated banking machine
that includes
at least one cash dispenser, and
at least one data reader operable to read user data usable to identify a financial account, and
that is operable to carry out a cash dispense transaction involving a financial account that corresponds to user data read by the at least one data reader, and
the financial account remains active to allow further user input to the phone to cause the account settings to be changed,and at least one non-access period,
wherein during each non-access period,
all transactions attempted on the financial account with the at least one automated banking machine are prevented from being carried out, and
the financial account remains active to allow further user input to the phone to cause the financial account to have an access period.- View Dependent Claims (15, 16, 17, 18, 19, 20)
Specification