Automated banking machine with noncontact reading of card data

• US 8,191,767 B1
• Filed: 12/01/2010
• Issued: 06/05/2012
• Est. Priority Date: 03/31/2004
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Douglass, Mark A., Ramachandran, Natarajan
• Primary Examiner(s): VO, TUYEN KIM
• Application Number:
  US12/928,014
• Time in Patent Office: 552 Days
• Field of Search: 235/379, 235/380, 235/383, 235/462.01, 235/462.14, 235/381, 705 39- 45
• 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 30/04 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 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.

Claims

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.

2. The apparatus according to claim 1 wherein the machine includes a random code generator, wherein the random code generator is operative to generate the output code.

3. The apparatus according to claim 2, wherein the machine is operative to receive from a user, data corresponding to the displayed output code.

4. The apparatus according to claim 2,

wherein the at least one reader includes an image reader,

wherein the image reader is operative to read data corresponding to the output code in an encrypted image located adjacent to and outside of the automated banking machine.

5. The apparatus according to claim 4,

wherein the image reader is operative to read data corresponding to at least one of credit card data and debit card data including a customer account number, and the data corresponding to the output code in the encrypted image located adjacent to and outside of the automated banking machine,

wherein the automated banking machine is operative to cause a financial transfer at least one of to and from a financial account corresponding to the customer account number.

6. The apparatus according to claim 5 wherein the at least one computer is operative to compare the data corresponding to the output code read through operation of the image reader and the displayed output code, to determine that the read data and the displayed output code have a predetermined relationship, and to cause the financial transfer responsive at least in part to the determination.

7. The apparatus according to claim 1

wherein the machine includes a cash dispenser,

wherein the machine is operative to carry out a transaction that involves a financial account and includes dispensing cash from the machine through operation of the cash dispenser.

8. The apparatus according to claim 1 wherein the output code comprises a random number.

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

 

and

 

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.

10. The apparatus according to claim 9,

wherein the automated banking machine includes at least one user input device, wherein the at least one user input device is operative to receive a user inputted number,

wherein the at least one computer is operative to compare the user inputted number and the random number.

11. The apparatus according to claim 10,

wherein the at least one computer is operative to allow at least one transaction through operation of the machine, responsive at least in part to the random number and the user inputted number having a predetermined relationship.

12. The apparatus according to claim 11 wherein the at least one user input device includes a bar code reader.

13. The apparatus according to claim 12 wherein the automated banking machine includes a housing, wherein the bar code reader is operative to read a bar code located external of the housing.

14. The apparatus according to claim 13 wherein the automated banking machine includes a fascia, wherein the fascia includes a user interface, wherein the user interface includes the bar code reader.

15. The apparatus according to claim 14 wherein the bar code reader is operative to read a bar code output on a display of a mobile device.

16. The apparatus according to claim 15 wherein the bar code reader is operative to read bar code data corresponding to a financial account number, wherein the automated banking machine is operative to carry out a financial transaction which causes a financial transfer of at least one of to and from an account corresponding to the financial account number.

17. The apparatus according to claim 9 wherein the automated banking machine includes a cash dispenser, wherein the automated banking machine is operative to carry out a transaction that involves a financial account and includes a dispense of cash from the machine through operation of the cash dispenser.

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.

19. The apparatus according to claim 18 wherein the output code comprises a random number.

20. The apparatus according to claim 18 wherein the machine is associated with at least one computer that is operable to randomly generate the output code.

21. The apparatus according to claim 20 wherein the at least one computer includes a machine computer, wherein the machine computer is operative to randomly generate the output code, wherein the machine includes the machine computer.