Automated banking machine operated responsive to data bearing records with improved resistance to fraud

• US 8,225,993 B2
• Filed: 08/19/2011
• Issued: 07/24/2012
• Est. Priority Date: 11/26/2002
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Blackson, Dale H., Enright, Jeffery M., Ramachandran, Natarajan, Ma, Songtao, Jenkins, Randall W.
• Primary Examiner(s): St.Cyr, Daniel
• Application Number:
  US13/199,106
• Publication Number:
  US 20110303745A1
• Time in Patent Office: 340 Days
• Field of Search: 235/375, 235/379, 235/380, 902/8, 902/9, 902/14
• US Class Current: 235/379
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/2055 Anti-skimming aspects at ATMs

Abstract

An automated banking machine is controlled responsive to data read from data bearing records. The automated banking machine includes a card reader, a keypad, a cash dispenser, a cash outlet, a deposit accepting opening, and other transaction locations that may be susceptible to the installation of fraud devices. An anti-fraud sensing system is operative in the machine to sense the probable installation of unauthorized devices on the machine. Such unauthorized devices may include for example, fraudulent card reading devices, fraudulent keypad input intercepting devices, cash outlet trap devices, and deposit input diversion devices.

Claims

1. Apparatus comprising:

an automated banking machine including;

at least one reader operable to read user data usable to identify a financial account,

a user interface,

at least one radiation output device adjacent the user interface,

wherein the at least one radiation output device is operable to generate radiation,

at least one radiation sensing device,

wherein the at least one radiation sensing device is operable to sense radiation generated by the at least one radiation output device,

at least one computer operatively connected with the at least one radiation output device and the at least one radiation sensing device,

wherein the at least one computer is configured to cause the at least one radiation output device to intermittently generate radiation,

wherein the at least one computer is configured to determine whether a level of radiation sensed by the at least one radiation sensing device exceeds a predetermined threshold,

wherein the at least one computer is configured to cause responsive at least in part to a positive determination, at least one action associated with an abnormal condition of the machine to be taken.

2. The apparatus according to claim 1 wherein the automated banking machine is part of a banking system,

wherein the machine includes a cash dispenser,

wherein the at least one reader includes at least one of a card reader and a biometric reader,

wherein the at least one computer is operative to authorize the user to request a financial transaction involving the cash dispenser responsive at least in part on computer-determined correspondence between

user data read by the at least one of a card reader and a biometric reader and

user information stored in a data store,

wherein the at least one computer is operative to cause data corresponding to at least a portion of read user data to be sent in at least one first message to at least one remote computer remotely located from the machine,

wherein the at least one computer is operative to allow cash to be dispensed from the machine responsive at least in part to receipt by the at least one computer of at least one second message from the at least one remote computer.

3. The apparatus according to claim 1 wherein the abnormal condition corresponds to the possible presence of a unauthorized device adjacent the machine.

4. The apparatus according to claim 1 wherein the at least one radiation output device comprises at least one infrared emitter.

5. The apparatus according to claim 1

wherein the at least one computer is configured to cause the at least one radiation sensing device to only sense radiation while the at least one radiation output device is generating radiation.

6. The apparatus according to claim 5

wherein the at least one radiation sensing device is operable to sense reflected radiation,

wherein the at least one computer is configured to determine whether reflected radiation sensed by the at least one radiation sensing device exceeds the predetermined threshold.

7. The apparatus according to claim 5

wherein the at least one reader includes a card reader,

wherein the user interface includes a card reader slot,

wherein the at least one radiation output device is adjacent the card reader slot, and

wherein the at least one radiation sensing device is adjacent the card reader slot.

8. The apparatus according to claim 5

wherein the user interface includes a keypad,

wherein the at least one radiation output device is adjacent the keypad, and

wherein the at least one radiation sensing device is adjacent the keypad.

9. The apparatus according to claim 5 wherein the machine includes a cash dispenser,

wherein the user interface includes a cash outlet in operative connection with the cash dispenser,

wherein the at least one radiation output device is adjacent the cash outlet, and

wherein the at least one radiation sensing device is adjacent the cash outlet.

10. The apparatus according to claim 5

wherein the user interface includes a deposit item inlet operative to receive deposit items,

wherein the at least one radiation output device is adjacent the deposit item inlet, and

wherein the at least one radiation sensing device is adjacent the deposit item inlet.

11. A method comprising:

(a) operating at least one computer to cause at least one radiation output device of an automated banking machine to intermittently generate radiation,

wherein the machine includes a user interface, at least one reader operable to read user data usable to identify a financial account, and at least one radiation sensing device operable to sense radiation generated by the at least one radiation output device,

wherein the at least one radiation sensing device is operatively connected with the at least one computer,

wherein the at least one radiation output device is adjacent the user interface;

(b) operating the at least one computer to determine whether a level of radiation sensed by the at least one radiation sensing device exceeds a predetermined threshold,

wherein the at least one computer is configured to cause responsive at least in part to a positive determination, at least one action associated with an abnormal condition of the machine to be taken; and

(c) operating the at least one computer to either

(ci) cause the at least one action to be taken, responsive at least in part to a positive determination in (b);

or

(cii) cause the at least one action not to be taken, responsive at least in part to a negative determination in (b).

12. The method according to claim 11 wherein the automated banking machine is part of a banking system,

wherein the machine includes a cash dispenser,

wherein the at least one reader includes at least one of a card reader and a biometric reader,

wherein the at least one computer is operative to authorize the user to request a financial transaction involving the cash dispenser responsive at least in part on computer-determined correspondence between

user data read by the at least one of a card reader and a biometric reader and

user information stored in a data store,

and further comprising:

(d) operating the at least one of a card reader and a biometric reader to read user data;

(e) operating the at least one computer to cause data corresponding to at least a portion of the user data read in (d) to be sent in at least one first message to a host computer remotely located from the machine; and

(f) operating the at least one computer to allow cash to be dispensed by the cash dispenser responsive at least in part to receipt by the at least one computer of at least one second message from the host computer.

13. The method according to claim 11 wherein the abnormal condition corresponds to the possible presence of a unauthorized device adjacent the machine, wherein (ci) includes causing the at least one action to be taken responsive at least in part to a determination that an unauthorized device is adjacent the machine.

14. The method according to claim 11 wherein the at least one radiation output device comprises at least one infrared emitter, wherein (a) includes operating at least one computer to cause the at least one infrared emitter to intermittently generate infrared radiation.

15. The method according to claim 11 and further comprising:

(d) operating the at least one computer to cause the at least one radiation sensing device to only sense radiation while the at least one radiation output device is generating radiation;

(e) operating the at least one computer to receive at least signal corresponding to radiation sensed by the at least one radiation sensing device.

16. The method according to claim 15

wherein the at least one radiation sensing device is operable to sense reflected radiation,

wherein (b) includes operating at least one computer to determine whether reflected radiation sensed by the at least one radiation sensing device exceeds the predetermined threshold.

17. The method according to claim 15 wherein the at least one reader includes a card reader,

wherein the user interface includes a card reader slot,

wherein the at least one radiation output device is adjacent the card reader slot,

wherein (a) includes operating at least one computer to cause the at least one radiation output device to intermittently generate radiation adjacent the card reader slot.

18. The method according to claim 15

wherein the user interface includes a keypad,

wherein the at least one radiation output device is adjacent the keypad,

wherein (a) includes operating at least one computer to cause the at least one radiation output device to intermittently generate radiation adjacent the keypad.

19. The method according to claim 15 wherein the machine includes a cash dispenser,

wherein the user interface includes a cash outlet in operative connection with the cash dispenser,

wherein the at least one radiation output device is adjacent the cash outlet,

wherein (a) includes operating at least one computer to cause the at least one radiation output device to intermittently generate radiation adjacent the cash outlet.

20. The method according to claim 15

wherein the user interface includes a deposit item inlet operative to receive deposit items,

wherein the at least one radiation output device is adjacent the deposit item inlet,

wherein (a) includes operating at least one computer to cause the at least one radiation output device to intermittently generate radiation adjacent the deposit item inlet.