Automated banking machine with noncontact reading of card data

• US 8,245,913 B1
• Filed: 04/14/2011
• Issued: 08/21/2012
• 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:
  US13/066,398
• Time in Patent Office: 495 Days
• Field of Search: 235/375, 235/379, 235/380, 235/381, 705 39- 45, 455/558
• US Class Current: 235/379
• CPC Class Codes: G06K 7/0004 Hybrid readers
• CPC Class Codes: G06Q 20/308 using the Internet of Things
• 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: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/205 Housing aspects of ATMs
• CPC Class Codes: G07F 19/207 Surveillance aspects at 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 user card data received from a cell phone. The machine generates and displays a random number correlated with a time period. The machine user 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. The phone then displays a bar code image containing the encrypted data. The machine includes a bar code reader to read the displayed image. The machine can decrypt the random number and the card data from the read image. The random number is used to verify the current banking transaction session. The process replaces physical insertion of a card yet allows secure input of card data.

Claims

1. A method comprising:

(a) operating a mobile device to encrypt data using a code,

wherein the data encrypted by the mobile device includes customer account data;

(b) subsequent to (a), operating the mobile device to generate an image,

wherein the image includes both the customer account data encrypted in (a) and the code; and

(c) subsequent to (b), operating the mobile device to display the image generated in (b) on a display screen of the mobile device,

wherein the encrypted customer account data is retrievable from the displayed image,

wherein the customer account data is obtainable by decrypting the encrypted customer account data retrieved,

wherein operation of the mobile device in (c) occurs during a user transaction session with an automated banking machine that is operable to use an account corresponding to the obtained customer account data in carrying out a financial transaction.

2. The method according to claim 1 wherein in (a)-(c) the mobile device comprises a mobile phone.

3. The method according to claim 1 wherein the encrypted customer account data is only obtainable from the image generated in (b) subsequent to decryption of the image.

4. The method according to claim 3 wherein (b) causes the encrypted customer account data to be further encrypted.

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

(d) prior to (a), operating the mobile device to obtain the customer account data;

wherein in (a) the data encrypted by the mobile device includes the customer account data obtained in (d).

6. The method according to claim 5 wherein the mobile device includes memory, and wherein (d) includes operating the mobile device to obtain the customer account data from the memory.

7. The method according to claim 1 wherein the data encrypted in (a) includes the code, wherein the image generated in (b) includes both the encrypted customer account data and the encrypted code.

8. The method according to claim 1 wherein the mobile device comprises a mobile phone, wherein (a) includes operating the mobile phone to encrypt the customer account data using the code.

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

(d) prior to (b), operating the mobile device to receive the code.

10. The method according to claim 9 wherein (d) includes receiving the code from the automated banking machine.

11. The method according to claim 9 wherein the mobile device comprises a mobile phone, wherein the mobile phone includes at least one user input device, wherein (d) includes operating the mobile device to receive the code via the at least one user input device.

12. The method according to claim 9 wherein the mobile device comprises a mobile phone, wherein (d) includes operating the mobile device to receive the code via a phone call.

13. A method comprising:

(a) operating a mobile device to encrypt data,

wherein the data encrypted by the mobile device includes customer account data;

(b) subsequent to (a), operating the mobile device to generate an image,

wherein the image includes both the customer account data encrypted in (a) and a code;

(c) subsequent to (b), operating the mobile device to display the image generated in (b) on a display screen of the mobile device,

wherein the encrypted customer account data is retrievable from the displayed image,

wherein the customer account data is obtainable by decrypting the encrypted customer account data retrieved,

wherein operation of the mobile device in (c) occurs during a user transaction session with an automated banking machine that is operable to use an account corresponding to the obtained customer account data in carrying out a financial transaction; and

(d) prior to (b), operating the mobile device to receive the code,

wherein the code comprises a code generated by at least one computer associated with the automated banking machine.

14. The method according to claim 13 wherein in (d) the code comprises a randomly generated code.

15. The method according to claim 13

wherein (d) includes receiving the code from the automated banking machine.

16. The method according to claim 15 wherein (d) includes reading the code from a display screen of the automated banking machine.

17. The method according to claim 13 wherein the mobile device comprises a mobile phone, wherein the mobile phone includes at least one manual input device, wherein (d) includes operating the mobile device to receive the code via the at least one manual input device.

18. The method according to claim 13 wherein the mobile device comprises a mobile phone, wherein (d) includes operating the mobile device to receive the code via a phone call.

19. A method comprising:

operating a mobile phone during a user transaction session with an automated banking machine to;

(a) receive a code;

(b) encrypt an account number using the received code, wherein the account number is usable by the automated banking machine to carry out a financial transaction;

(c) generate an encrypted image that includes the encrypted account number;

(d) display the encrypted image on a display screen of the mobile phone; and

(e) present the displayed encrypted image to an image reader of the automated banking machine.

20. The method according to claim 19

wherein the presenting in (e) allows at least one computer associated with the automated banking machine to obtain the encrypted account number from the encrypted image and then decrypt the obtained encrypted account number to obtain the account number.