Automated banking machine operated responsive to data bearing records with improved resistance to fraud
First Claim
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1. Apparatus comprising:
- an automated banking machine including;
at least one reader operable to read user data usable to identify a financial account,a user interface,at least one radiation output device adjacent the user interface,wherein the at least one radiation output device is operable to intermittently generate radiation,at least one radiation sensing device,wherein the at least one radiation sensing device is operable to sense radiation generated by the at least one radiation output device,wherein the at least one radiation sensing device is controllable to sense radiation only while the at least one radiation output device is generating radiation,at least one processor,wherein the at least one processor is configured to cause the machine to take at least one predetermined action associated with detection of an unauthorized device adjacent the user interface,responsive at least in part to a positive determination that while the at least one radiation output device was generating radiation the at least one radiation sensing device sensed a level of radiation that exceeded a predetermined radiation level threshold.
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Abstract
A banking system machine is controlled responsive to data read from data bearing records. The machine includes a card reader, a keypad, a cash dispenser, a cash outlet, a deposit accepting opening, and other transaction locations that may be susceptible to the installation of fraud devices. An anti-fraud sensing system is operative in the machine to sense the probable installation of unauthorized devices on the machine. Such unauthorized devices may include fraudulent card reading devices, fraudulent keypad input intercepting devices, cash outlet trap devices, and deposit input diversion devices.
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Citations
24 Claims
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1. Apparatus comprising:
an automated banking machine including; at least one reader operable to read user data usable to identify a financial account, a user interface, at least one radiation output device adjacent the user interface, wherein the at least one radiation output device is operable to intermittently generate radiation, at least one radiation sensing device, wherein the at least one radiation sensing device is operable to sense radiation generated by the at least one radiation output device, wherein the at least one radiation sensing device is controllable to sense radiation only while the at least one radiation output device is generating radiation, at least one processor, wherein the at least one processor is configured to cause the machine to take at least one predetermined action associated with detection of an unauthorized device adjacent the user interface, responsive at least in part to a positive determination that while the at least one radiation output device was generating radiation the at least one radiation sensing device sensed a level of radiation that exceeded a predetermined radiation level threshold. - View Dependent Claims (2, 3, 4, 5)
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6. At least one computer readable medium comprising non-transitory computer executable instructions,
wherein the instructions, when executed by at least one processor associated with an automated banking machine which is operable responsive at least in part to data read from data bearing records, and includes: -
at least one reader operable to read user data usable to identify a financial account, a user interface, at least one radiation output device adjacent the user interface,
wherein the at least one radiation output device is operable to intermittently generate radiation, andat least one radiation sensing device,
wherein the at least one radiation sensing device is controllable to sense radiation only while the at least one radiation output device is generating radiation;cause the at least one processor to carry out a method comprising; (a) operating the at least one processor to cause the at least one radiation sensing device to sense radiation only while the at least one radiation output device is generating radiation; (b) operating the at least one processor to determine whether a level of radiation sensed in (a) exceeds a predetermined radiation level threshold; and (c) operating the at least one processor to either; (ci) cause the machine to take at least one predetermined action associated with detection of an authorized device adjacent the user interface, responsive at least in part to a positive determination in (b);
or(cii) cause the at least one action not to be taken, responsive at least in part to a negative determination in (b). - View Dependent Claims (7, 8, 9, 10)
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11. At least one computer readable medium comprising non-transitory computer executable instructions,
wherein the instructions, when executed by at least one processor associated with an automated banking machine which is operable responsive at least in part to data read from data bearing records, and includes: -
at least one reader operable to read user data usable to identify a financial account, a user interface, at least one radiation output device adjacent the user interface, and at least one radiation sensing device; cause the at least one processor to carry out a method comprising; (a) operating the at least one processor to cause the at least one radiation output device to intermittently generate radiation, wherein the at least one radiation sensing device is operable to sense the radiation generated; (b) operating the at least one processor to determine whether a level of radiation sensed by the at least one radiation sensing device exceeds a predetermined threshold; and (c) operating the at least one processor to either (ci) cause at least one action associated with an abnormal condition of the machine to be taken, responsive at least in part to a positive determination in (b);
or(cii) cause the at least one action not to be taken, responsive at least in part to a negative determination in (b). - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. Apparatus comprising:
a fraud detection arrangement adapted for use in detecting an unauthorized card data reading device located adjacent a card entry slot of a transaction terminal which includes a display and a card reader associated with the card entry slot, and which is operable to cause financial transfers involving financial accounts responsive at least in part to the card reader reading from data bearing records user data that is usable to identify the financial accounts, wherein the fraud detection arrangement includes at least one radiation output device operable to generate radiation, wherein the fraud detection arrangement includes at least one radiation sensing device operable to sense radiation generated by the at least one radiation output device, wherein the fraud detection arrangement includes at least one processor operatively connected with both the at least one radiation output device and the at least one radiation sensing device, wherein the at least one processor is operable to cause the at least one radiation output device to intermittently generate radiation, wherein the at least one processor is operable to receive at least signal corresponding to radiation sensed by the at least one radiation sensing device, wherein the at least one processor is operable to determine responsive at least in part to the at least signal received, whether a level of radiation sensed by the at least one radiation sensing device exceeds a predetermined threshold,
wherein the at least one processor is configured to cause at least one predetermined action associated with interfering with unauthorized card data reading device operation, responsive at least in part to a positive determination,wherein the fraud detection arrangement includes at least one signal emitter operable to emit interfering signals, wherein the at least one signal emitter is operatively connected with the at least one processor, wherein the at least one processor is operable to cause the at least one signal emitter to emit the interfering signals,
wherein the at least one predetermined action includes causing the at least one signal emitter to emit the interfering signals.- View Dependent Claims (22, 23, 24)
Specification