Automated banking machine with noncontact reading of card data

• US 8,245,915 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:
  US13/066,437
• Time in Patent Office: 495 Days
• Field of Search: 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. An apparatus comprising:

an automated banking machine,

wherein the machine includes an image reader,

wherein the image reader is operable during a user transaction session to read an image displayed on a display screen of a mobile device,

wherein the image includes a code and encrypted data,

 

wherein the encrypted data includes encrypted customer account data,

wherein the image reader is operable to read an image that includes data encrypted by the mobile device,

wherein the machine is associated with at least one computer,

wherein the at least one computer is operable to cause the code to be provided to a user of the mobile device,

wherein the at least one computer is operable to obtain the encrypted data from the image read by the image reader,

wherein the at least one computer is operable to then decrypt the encrypted data obtained from the image,

 

wherein the at least one computer is operable to then obtain the customer account data from the decrypted data,

 

wherein the at least one computer is operable to cause the machine in carrying out a financial transaction during the user transaction session, to use an account which corresponds to the obtained customer account data.

2. The apparatus according to claim 1 wherein the machine includes the at least one computer.

3. The apparatus according to claim 1 wherein the mobile device comprises a mobile phone, wherein the image reader is operable to read the image from a display screen of the mobile phone.

4. The apparatus according to claim 1 wherein the machine includes a display screen, wherein the at least one computer is operable to cause the code to be provided through the display screen.

5. The apparatus according to claim 1 wherein the at least one computer is operable to cause the code to be wirelessly communicated to the mobile device.

6. An apparatus comprising:

an automated banking machine,

wherein the machine includes an image reader,

wherein the image reader is operable during a user transaction session to read an image displayed on a display screen of a mobile device,

wherein the image includes a code and encrypted data,

 

wherein the encrypted data includes encrypted customer account data,

wherein the image reader is operable to read an image that includes data encrypted by the mobile device,

wherein the machine is associated with at least one computer,

wherein the at least one computer is operable to generate the code,

wherein the at least one computer is operable to obtain the encrypted data from the image read by the image reader,

wherein the at least one computer is operable to then decrypt the encrypted data obtained from the image,

 

wherein the at least one computer is operable to then obtain the customer account data from the decrypted data,

 

wherein the at least one computer is operable to cause the machine in carrying out a financial transaction during the user transaction session, to use an account which corresponds to the obtained customer account data.

7. The apparatus according to claim 6 wherein the machine includes the at least one computer.

8. The apparatus according to claim 6 wherein the mobile device comprises a mobile phone, wherein the image reader is operable to read the image from a display screen of the mobile phone.

9. The apparatus according to claim 6 wherein the machine includes a display screen, wherein the at least one computer is operable to cause the code to be provided through the display screen.

10. The apparatus according to claim 6 wherein the at least one computer is operable to cause the code to be wirelessly communicated to the mobile device.

11. An apparatus comprising:

an automated banking machine,

wherein the machine includes an image reader,

wherein the image reader is operable during a user transaction session to read an image displayed on a display screen of a mobile device,

wherein the image includes a code and encrypted data,

 

wherein the encrypted data includes customer account data encrypted using the code,

wherein the image reader is operable to read an image that includes data encrypted by the mobile device,

wherein the machine is associated with at least one computer,

wherein the at least one computer is operable to obtain the encrypted data from the image read by the image reader,

wherein the at least one computer is operable using the code, to then decrypt the encrypted data obtained from the image,

 

wherein the at least one computer is operable to then obtain the customer account data from the decrypted data,

 

wherein the at least one computer is operable to cause the machine in carrying out a financial transaction during the user transaction session, to use an account which corresponds to the obtained customer account data.

12. The apparatus according to claim 11 wherein the machine includes the at least one computer.

13. The apparatus according to claim 11 wherein the at least one computer is operable to generate the code.

14. The apparatus according to claim 11 wherein the mobile device comprises a mobile phone, wherein the image reader is operable to read the image from a display screen of the mobile phone.

15. The apparatus according to claim 11 wherein the at least one computer is operable to cause the code to be provided to a user of the mobile device.

16. The apparatus according to claim 15 wherein the machine includes a display screen, wherein the at least one computer is operable to cause the code to be provided through the display screen.

17. The apparatus according to claim 15 wherein the at least one computer is operable to cause the code to be wirelessly communicated to the mobile device.

18. The apparatus according to claim 17 wherein the at least one computer is operable to cause the machine to wirelessly communicate the code to the mobile device.

19. The apparatus according to claim 17 wherein the mobile device comprises a mobile phone, wherein the at least one computer is operable to cause the code to be wirelessly communicated to the mobile phone via a phone call.

20. The apparatus according to claim 11

wherein the machine comprises a self-service automated banking machine,

wherein the self-service automated banking machine includes a cash dispenser,

wherein the machine is operable to carry out a cash dispense transaction involving operation of the cash dispenser, using an account which corresponds to customer account data

which was obtained from decryption of encrypted data,

which encrypted data was obtained from an image,

which image was read by the image reader from the display screen of the mobile device.