Automated banking machine with noncontact reading of card data
First Claim
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1. Apparatus comprising:
- an automated banking machine,wherein the automated banking machine includes at least one reader, at least one user input device, and a display,wherein the at least one reader is operable to read user data usable to identify a financial account on which financial transactions can be carried out,at least one computer associated with the automated banking machine,wherein the at least one computer is in operative connection with the at least one reader, the at least one input device, and the display,wherein the at least one computer is operative to allow the automated banking machine to carry out at least one operation responsive at least in part to a determination that user data read through operation of the at least one reader and stored data have a predetermined relationship,wherein the automated banking machine is operative to receive via the at least one user input device, a code request from a user of the automated banking machine,wherein the automated banking machine is configured to output on the display, a randomly generated output code, responsive at least in part to receiving the code request,wherein the output code on the display is viewable by the user,wherein the output code is transaction usable by the user.
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Abstract
An automated banking machine operates responsive to data read from data bearing records. The data corresponds to card data which corresponds to at least one financial account. The record data is read by a reader and compared to stored data to authorize use of the machine. A financial transfer corresponding to the account may be carried out once use is authorized based on correspondence of the record data. A printed record of transactions is printed by the machine. Record data may alternatively be received by a reading device of the machine from a mobile device of a user, such as a cell phone.
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Citations
21 Claims
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1. Apparatus comprising:
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an automated banking machine, wherein the automated banking machine includes at least one reader, at least one user input device, and a display, wherein the at least one reader is operable to read user data usable to identify a financial account on which financial transactions can be carried out, at least one computer associated with the automated banking machine, wherein the at least one computer is in operative connection with the at least one reader, the at least one input device, and the display, wherein the at least one computer is operative to allow the automated banking machine to carry out at least one operation responsive at least in part to a determination that user data read through operation of the at least one reader and stored data have a predetermined relationship, wherein the automated banking machine is operative to receive via the at least one user input device, a code request from a user of the automated banking machine, wherein the automated banking machine is configured to output on the display, a randomly generated output code, responsive at least in part to receiving the code request, wherein the output code on the display is viewable by the user, wherein the output code is transaction usable by the user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. Apparatus operative responsive to data read from data bearing records, comprising:
an automated banking machine including; a display, a reader, wherein the reader is operative to read card data from data bearing records including at least one of credit card data and debit card data corresponding to an account, wherein the machine operates
to cause card data to be computer compared with stored data
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to allow at least one transaction involving the account to be carried out through operation of the machine responsive to the card data and the stored data having a predetermined relationship,wherein the automated banking machine is associated with at least one computer operative to generate a random number, wherein the automated banking machine is operative to display the random number through the display to a machine user. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16, 17)
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18. Apparatus comprising:
an automated banking machine, wherein the machine is operable to receive via at least one user input device of the machine, a code request from a user of the machine, wherein the machine is operable to output through at least one display of the machine responsive at least in part to receiving the code request, a randomly generated output code that is viewable by the user, and wherein the machine is operable to carry out at least one transaction function responsive at least in part to receiving from the user via the at least one user input device, data associated with the randomly generated output code. - View Dependent Claims (19, 20, 21)
Specification