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 session with the machine, to read a displayed encrypted image that includes account number data corresponding to a customer account, wherein the machine is operable to allow an authorized user of the machine to carry out a transaction; and
(b) subsequent to (a), operating the machine during the user session in carrying out a transaction on the customer account.
20 Assignments
0 Petitions
Accused Products
Abstract
An automated banking machine is part of a banking system that can operate to cause financial transfers responsive to data read from data bearing records. The machine can also receive user card data from a cell phone, including an electronic account number. The phone'"'"'s banking application encrypts the account number along with an inputted random number which was generated by the machine. The phone then displays a bar code image containing the encrypted data. The machine includes a bar code reader. The random number is used to verify the current transaction session. Thereafter, normal transaction flow can follow, including PIN input. The process allows for secure input of card data without physical insertion of a card. Thus, fraudulent activities based on card insertion can be reduced.
6 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 session with the machine, to read a displayed encrypted image that includes account number data corresponding to a customer account, wherein the machine is operable to allow an authorized user of the machine to carry out a transaction; and (b) subsequent to (a), operating the machine during the user session in carrying out a transaction on the customer account. - View Dependent Claims (2, 3, 4)
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5. A method comprising:
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(a) operating at least one data reader of an automated banking machine during a user session with the machine, to read machine-readable data from a display screen of a personal device, wherein the machine-readable data includes user data usable to identify a financial account, wherein the machine is operable to allow an authorized user of the machine to carry out a financial transaction; and (b) subsequent to (a), operating the machine during the user session in carrying out a financial transaction that involves the financial account. - View Dependent Claims (6, 7, 8, 9, 10)
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11. A method comprising:
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(a) operating an automated banking machine during a user session with the machine to obtain from a personal device, digital image data that includes user data usable to identify a financial account, wherein the machine is operable to allow an authorized user of the machine to carry out a financial transaction; and (b) subsequent to (a), operating the machine during the user session in carrying out a financial transaction that involves the financial account. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification