Automated banking machine with noncontact reading of card data
First Claim
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).
21 Assignments
0 Petitions
Accused Products
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.
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Citations
20 Claims
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1. A method comprising:
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(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). - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A method comprising:
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(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. - View Dependent Claims (16, 17)
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18. A method comprising:
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(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. - View Dependent Claims (19, 20)
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Specification