Banking machine controlled responsive to data read from data bearing records

• US 8,418,917 B1
• Filed: 02/24/2012
• Issued: 04/16/2013
• Est. Priority Date: 12/20/2005
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Irudayam, Sathish M., Graef, H. Thomas, Jenkins, Randall W., Ma, Songtao, Crews, Tim, Douglass, Mark A., Ramachandran, Natarajan, Enright, Jeffery M., Lewis, David N., Steinbach, Klaus
• Primary Examiner(s): VO, TUYEN KIM
• Application Number:
  US13/404,643
• Time in Patent Office: 417 Days
• Field of Search: 235/379, 235/381, 235/475, 235/479, 235/480, 235/483, 235/486
• US Class Current: 235/379
• CPC Class Codes: G06K 13/08 Feeding or discharging cards
• CPC Class Codes: G06K 7/0004 Hybrid readers
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/308 using the Internet of Things
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• 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: G06Q 30/0237 at kiosk
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/205 Housing aspects of 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

A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The machine also includes a PIN keypad. The card reader can send encrypted card data to the keypad. The keypad can decipher the encrypted card data. The keypad can encrypt both deciphered card data and a received user PIN. The card data and the PIN are usable by the machine to authorize a user to carry out a financial transfer involving the account.

Claims

1. Apparatus comprising:

a card reader,

wherein the card reader includes a card entry slot,

wherein the card entry slot includes a size that allows at least part of a card to enter and exit the card reader,

wherein the card reader includes at least one data reader,

wherein the at least one data reader is operable to read data from a card at least partly received through the card entry slot,

wherein the card reader includes a plurality of rotatable card moving components,

wherein the plurality of rotatable card moving components are operative to engagingly move a card at least partly through the card entry slot,

wherein the plurality of rotatable card moving components are operative to engagingly provide two-dimensional jitter movement to the card during the movement of the card at least partly through the card entry slot,

 

wherein the two-dimensional jitter movement includes movement in at least two non parallel directions,

 

wherein the plurality of rotatable card moving components are operative to provide the two-dimensional jitter movement during both

 

entry of a card into the card reader, and

 

exit of a card from the card reader.

2. The apparatus according to claim 1 wherein the plurality of rotatable card moving components are operative to change card speed while providing two-dimensional horizontal jitter movement to the card.

3. The apparatus according to claim 1 wherein the card reader includes at least one magnetic read head, wherein the at least one magnetic read head is movable to read an account number from a magnetic stripe of a card.

4. The apparatus according to claim 3 wherein the card entry opening is sized to receive a card inserted long-edge first into the card reader.

5. The apparatus according to claim 1 wherein the plurality of rotatable card moving components are operative to cause a card to jitter in perpendicular directions while moving the card in a direction into or out of the card reader.

6. The apparatus to claim 1 wherein the plurality of rotatable card moving components include rotatable drive balls, wherein the rotatable drive balls are operable to engage at least one side of a card, wherein the rotatable drive balls are operable to engagingly move a card in a plurality of different directions.

7. Apparatus comprising:

a card reader,

wherein the card reader includes a card entry slot,

wherein the card entry slot includes a size that allows at least part of a card to enter and exit the card reader,

wherein the card reader includes at least one data reader,

wherein the at least one data reader is operable to read data from a card at least partly received through the card entry slot,

wherein the card reader includes a plurality of card moving components,

wherein the plurality of card moving components are operative to engagingly move a card at least partly through the card entry slot,

wherein the plurality of card moving components are operative to engagingly provide non parallel jitter motions to the card during the movement of the card at least partly through the card entry slot.

8. The apparatus according to claim 7 wherein the plurality of card moving components comprise a plurality of rotatable card moving components, wherein the plurality of rotatable card moving components are operative to provide the jitter motions by both

changing a first card speed to a different card speed, and

changing a first card moving direction to a different card moving direction which is non parallel to the first card moving direction.

9. The apparatus according to claim 8 wherein the plurality of rotatable card moving components are operative to provide the jitter motions by simultaneously changing both speed and direction of the card.

10. The apparatus according to claim 7 wherein the card reader includes at least one magnetic read head, wherein the at least one magnetic read head is operable to read an account number from a magnetic stripe of a card.

11. The apparatus according to claim 10 wherein the card entry opening is sized to receive a card inserted long-edge first into the card reader.

12. The apparatus according to claim 11 wherein the at least one magnetic read head includes a movable read head.

13. The apparatus according to claim 7 wherein the plurality of card moving components are operative to provide jitter motions to the card while changing direction of the card from a prior card moving direction to a new card moving direction, wherein the new card moving direction is non parallel to the prior card moving direction.

14. The apparatus according to claim 13 wherein the plurality of card moving components are operative to engagingly provide two-dimensional horizontal jitter movement to the card.

15. The apparatus according to claim 14 wherein the plurality of card moving components are operative to provide the two-dimensional horizontal jitter movement during both

entry of a card into the card reader, and

exit of a card from the card reader.

16. The apparatus according to claim 13 wherein the plurality of card moving components comprise a plurality of rotatable card moving components,

wherein the card reader includes a substantially parallel card path leading from the card entry slot,

wherein the plurality of rotatable card moving components are operative to cause the card to move along the path while simultaneously imparting jitter to the card in a direction that is substantially perpendicular to the path.

17. The apparatus according to claim 7 wherein the plurality of card moving components are operative to provide jitter movement to the card by changing moving speed of the card.

18. The apparatus to claim 7 wherein the plurality of card moving components include rotatable drive balls, wherein the rotatable drive balls are operative to engage at least one side of a card, wherein the rotatable drive balls are operative to engagingly move a card in a plurality of different directions.

19. The apparatus according to claim 7 wherein the card reader is part of an automated banking machine,

wherein the machine is usable to carry out financial transactions,

wherein the machine includes a cash dispenser,

wherein the cash dispenser is operable to selectively dispense cash stored in the machine to authorized machine users,

wherein the machine includes a user interface,

wherein the user interface includes a card insertion slot,

wherein the card insertion slot is sized to receive a card,

wherein the card insertion slot is positioned adjacent to the card entry slot,

wherein the machine includes a plurality of input devices,

wherein the plurality of input devices include the card reader,

wherein the card reader is operable to receive a card from a user of the machine,

wherein the card reader is operable to read user data from a received card,

 

wherein the machine is operable to carry out a transaction on a financial account for a machine user, based at least in part on

 

user data read by the card reader corresponding to the financial account, and

 

the machine user being recognized as an authorized user of the machine.

20. The apparatus according to claim 19 wherein the machine includes the card reader, a biometric reader, and a machine controller,

wherein the machine controller is operable during a user transaction session to

cause read user data read by the card reader to be compared with card information stored in at least one information data store, and

cause read biometric data read by the biometric reader to be compared with biometric information stored in the at least one information data store,

wherein at least one computer associated with the machine is operable to authorize the user to request a cash dispense transaction responsive at least in part to both

computer-determined correspondence between the read user data and stored card information, and

computer-determined correspondence between the read biometric data and stored biometric information.