Automated banking machine with noncontact reading of card data

• US 8,245,914 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:
  US13/066,404
• Time in Patent Office: 495 Days
• Field of Search: 235/375, 235/379, 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 an image reader of an automated banking machine during a user transaction session, to read an image displayed on a display screen of a mobile device,

wherein the image includes both a code and encrypted data,

wherein the encrypted data includes encrypted customer account data,

wherein the encrypted customer account data comprises customer account data encrypted using the code;

(b) operating at least one computer associated with the machine to obtain the encrypted data from the image read in (a);

(c) operating the at least one computer to decrypt the encrypted data obtained in (b);

(d) operating the at least one computer to obtain the customer account data from the data decrypted in (c); and

(e) operating the machine during the user transaction session in carrying out a financial transaction that involves an account which corresponds to the customer account data obtained in (d).

2. The method according to claim 1 wherein the mobile device comprises a mobile phone, wherein in (a) the encrypted data comprises data encrypted by the mobile phone.

3. The method according to claim 2 and further comprising:

(f) prior to (a), operating the mobile phone to generate the encrypted data.

4. The method according to claim 1 wherein the code comprises a randomly generated code.

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

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

(f) prior to (a), using the code to encrypt the customer account data.

7. The method according to claim 6 wherein (f) includes operating the mobile device to encrypt the customer account data.

8. The method according to claim 1 wherein in (a) the encrypted customer account data comprises customer account data encrypted by the mobile device.

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

(f) operating the at least one computer to generate the code.

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

(f) operating the at least one computer to cause the code to be provided to a user of the mobile device.

11. The method according to claim 10 wherein the machine includes a display screen,

wherein (f) includes operating the at least one computer to cause the code to be provided through the display screen.

12. The method according to claim 10 wherein (f) includes operating the at least one computer to cause the code to be wirelessly communicated to the mobile device.

13. The method according to claim 12 wherein the mobile device comprises a mobile phone, wherein (f) includes operating the at least one computer to cause the code to be wirelessly communicated to the mobile phone via a phone call.

14. The method according to claim 12 wherein (f) includes operating the at least one computer to cause the code to be wirelessly communicated from the machine to the mobile device.

15. A method comprising:

(a) operating an image reader of an automated banking machine during a user transaction session, to read an image displayed on a display screen of a mobile device,

wherein the image includes both a code and encrypted data,

wherein the encrypted data includes encrypted customer account data;

(b) operating at least one computer associated with the machine to obtain the encrypted data from the image read in (a);

(c) operating the at least one computer to decrypt the encrypted data obtained in (b);

(d) operating the at least one computer to obtain the customer account data from the data decrypted in (c);

(e) operating the machine during the user transaction session in carrying out a financial transaction that involves an account which corresponds to the customer account data obtained in (d); and

(f) operating the at least one computer to cause the code to be provided to a user of the mobile device.

16. The method according to claim 15 wherein in (a) the encrypted data comprises data encrypted by the mobile device.

17. The method according to claim 15 wherein the machine includes a display screen, wherein (f) includes operating the at least one computer to cause the code to be provided through the display screen.

18. A method comprising:

(a) operating an image reader of an automated banking machine during a user transaction session, to read an image displayed on a display screen of a mobile device,

wherein the image includes both a code and encrypted data,

wherein the encrypted data includes encrypted customer account data;

(b) subsequent to (a), operating at least one computer associated with the machine to obtain the encrypted data from the image read in (a);

(c) subsequent to (b), operating the at least one computer to decrypt the encrypted data obtained in (b);

(d) subsequent to (b), operating the at least one computer to obtain the customer account data from the data decrypted in (c);

(e) subsequent to (d), operating the machine during the user transaction session in carrying out a financial transaction that involves an account which corresponds to the customer account data obtained in (d); and

(f) operating the at least one computer to generate the code.

19. The method according to claim 18 and further comprising:

(g) operating the at least one computer to cause the code to be provided to a user of the mobile device.

20. The method according to claim 19 wherein the machine includes a display screen, wherein (g) includes operating the at least one computer to cause the code to be provided through the display screen.