ATM transaction authorization based on user location verification

• US 8,459,546 B1
• Filed: 05/24/2012
• Issued: 06/11/2013
• Est. Priority Date: 11/26/2002
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Block, James, Blackson, Dale H., Enright, Jeffery M., Ramachandran, Natarajan, Graef, H. Thomas
• Primary Examiner(s): St. Cyr, Daniel
• Application Number:
  US13/479,483
• Time in Patent Office: 383 Days
• Field of Search: 235/379, 235/380, 235/382
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/2055 Anti-skimming aspects at ATMs
• CPC Class Codes: G07F 19/207 Surveillance aspects at ATMs
• CPC Class Codes: G07G 3/003 Anti-theft control theft alarms G08B13/00
• CPC Class Codes: H04W 4/021 Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences

Abstract

An automated banking machine transaction request is authorized based on a determined location of an authorized user relative to the machine. Identification of an authorized machine user is linked to a remotely locatable item (e.g., a cell phone) of the authorized user. A banking machine receiving the user identification causes the location of the cell phone to be determined. A comparison is then made of the cell phone location and the banking machine location. If the locations correspond, then the current machine user is recognized as the authorized user and machine transactions are permitted. If the locations do not correspond, then the current user is denied transactions at the banking machine. The security arrangement helps prevent an unauthorized person from using a fraudulent card to access a financial account.

Claims

1. Apparatus comprising:

an automated banking machine customer card including card data corresponding to an already active financial account,

wherein the financial account is associated with account settings stored in at least one data store,

a mobile phone that includes card protection programming associated with the card,

wherein the account settings are customer-changeable responsive at least in part to at least one customer input to the phone, to automatically turn the card off and on with regard to the card being usable to carry out an automated banking machine transaction,

wherein when the card is on,

the card is usable to carry out at least one financial transaction with an automated banking machine which includes

 

a card reader operable to read from the card, the card data corresponding to the financial account, and

 

at least one transaction function device operable to carry out at least a part of a financial transaction that involves the financial account,

and

the financial account remains active to allow the customer to provide to the phone, at least one input that automatically turns the card off,

wherein when the card is off,

the card is unusable to carry out any financial transaction with the machine,

and

the financial account remains active to allow the customer to provide to the phone, at least one input that automatically turns the card on,

wherein the phone allows the customer while located adjacent to the machine, to

automatically turn the financial account on to allow a financial transaction to be carried out with the machine,

and then automatically turn the financial account off after the financial transaction was carried out with the machine.

2. The apparatus according to claim 1 and further comprising the automated banking machine,

wherein the machine is part of a banking system,

wherein the machine includes at least one biometric reader,

wherein the machine includes at least one machine computer,

wherein the at least one machine computer is operative to cause card data read by the card reader to be compared with card information stored in a user identification data store,

wherein the at least one machine computer is operative to cause customer biometric data read by the at least one biometric reader to be compared with biometric information stored in a user identification data store,

wherein a customer is authorized to request a cash dispense transaction involving the financial account, responsive at least in part to both

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

computer-determined correspondence between read biometric data and stored biometric information,

wherein the at least one transaction function device includes a cash dispenser,

wherein the cash dispenser is operable to cause cash to be dispensed from the machine during the cash dispense transaction.

3. The apparatus according to claim 1

wherein customer input to the phone is operative to automatically turn the card off and on,

wherein when the card is on, at least one input to the phone by the customer is operative to automatically turn the card off,

wherein when the card is off, at least one input to the phone by the customer is operative to automatically turn the card on.

4. The apparatus according to claim 1 wherein the account settings can be preset by the customer to cause the card to be automatically turned on at specific times on specific days.

5. The apparatus according to claim 4 wherein the account settings can be preset by the customer to cause the card to be automatically turned off at specific times on specific days.

6. The apparatus according to claim 1 wherein the account settings allow the customer to turn the card on for a continuous time period, wherein the time period has a start time and an end time, wherein at the end time the card is automatically turned off responsive at least in part to the settings.

7. Apparatus comprising:

a mobile phone that includes fraud prevention programming associated with an already active financial account,

wherein the financial account is associated with customer-changeable account settings stored in at least one data store,

wherein the programming allows the phone to receive from a customer associated with the financial account, customer input that causes the account settings to be changed,

wherein at least one input to the phone by the customer is able to create a time window that is less than twenty-four consecutive hours,

 

wherein within the time window

 

the financial account is available for use in carrying out financial transactions with at least one automated transaction machine that is operable to carry out a financial transaction involving the financial account responsive at least in part to at least one machine data reader reading machine user data usable to identify the financial account,

 

wherein outside of the time window

 

the financial account is unavailable for use in carrying out any financial transaction with the at least one automated transaction machine, and

 

the financial account remains active to allow at least one input to the phone by the customer that creates a new time window,

wherein the programming is configured to sequentially allow on a same date;

a first time window to be created responsive at least in part to at least one first input to the phone by the customer,

the first time window to be closed responsive at least in part to at least one second input to the phone by the customer,

a second time window to be created responsive at least in part to at least one third input to the phone by the customer, and

the second time window to be closed responsive at least in part to at least one fourth input to the phone by the customer.

8. The apparatus according to claim 7 and further comprising the at least one automated transaction machine, wherein the at least one automated transaction machine includes an automated banking machine,

wherein the machine includes at least one machine computer,

wherein the machine includes a card reader and a biometric reader,

wherein the at least one machine computer is operative to cause user data read by the at least one data reader to be compared with user information stored in a user identification data store,

wherein the at least one machine computer is operative to cause biometric data read by the biometric reader to be compared with biometric information stored in the user identification data store,

wherein the machine includes a cash dispenser,

wherein the cash dispenser is operable to dispense cash from the machine during a cash dispense transaction,

wherein a machine user is authorized to request a cash dispense transaction responsive at least in part to both

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

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

9. The apparatus according to claim 7

wherein at least one input to the phone by the customer is operative to automatically turn the financial account off and on,

wherein when the financial account is on, at least one input to the phone by the customer is operative to automatically turn the financial account off,

wherein when the financial account is off, at least one input to the phone by the customer is operative to automatically turn the financial account on,

wherein the phone allows the customer while located adjacent to the at least one automated transaction machine, to automatically turn the financial account on and then automatically turn the financial account off.

10. The apparatus according to claim 9 wherein the account settings can be preset by the customer to cause the financial account to be automatically turned on at specific times on specific days.

11. The apparatus according to claim 10 wherein the account settings can be preset by the customer to cause the financial account to be automatically turned off at specific times on specific days.

12. The apparatus according to claim 7 wherein the account settings allow the customer to turn the financial account on for a continuous time period, wherein the time period has a start time and an end time, wherein at the end time the financial account is turned off responsive at least in part to the settings.

13. The apparatus according to claim 7 wherein the phone is part of a portable wireless communication device.

14. An apparatus comprising:

a mobile phone that includes fraud prevention application associated with an already active financial account,

wherein the financial account is associated with account settings stored in at least one data store,

wherein the account settings are changeable responsive at least in part to at least one user input to the phone, to allow the financial account to have on the same date, both

at least one access period,

 

wherein during each access period,

 

transactions attempted on the financial account are permitted to be carried out with at least one automated transaction machine

 

that includes

 

at least one data reader operable to read machine user data usable to identify a financial account, and

 

at least one transaction function device operable to carry out at least a part of a financial transaction,

 

and

 

that is operable to carry out through use of the at least one transaction function device, a financial transaction involving a financial account that corresponds to machine user data read by the at least one data reader, and

 

the financial account remains active to allow at least one further user input to the phone to cause the account settings to be changed,

and

at least one non-access period,

 

wherein during each non-access period,

 

all transactions attempted on the financial account with the at least one automated transaction machine are prevented from being carried out, and

 

the financial account remains active to allow at least one further user input to the phone to cause the financial account to have an access period.

15. The apparatus according to claim 14 and further comprising the at least one automated transaction machine, wherein the at least one automated transaction machine includes an automated banking machine,

wherein the machine includes at least one machine computer,

wherein the machine includes a card reader and a biometric reader,

herein the at least one machine computer is operative to cause user data read by the at least one data reader to be compared with user information stored in a user identification data store,

wherein the at least one machine computer is operative to cause biometric data read by the biometric reader to be compared with biometric information stored in the user identification data store,

wherein a machine user is authorized to request a cash dispense transaction responsive at least in part to both

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

computer-determined correspondence between read biometric data and stored biometric information,

wherein the machine includes a cash dispenser,

wherein the cash dispenser is operable to dispense cash from the machine during the cash dispense transaction.

16. The apparatus according to claim 14

wherein the phone allows a customer associated with the financial account to automatically change the account settings between an access period and a non-access period, responsive at least in part to at least one input to the phone by the customer,

wherein when the financial account has an access period, at least one further input to the phone by the customer is operative to automatically change the financial account to a non-access period,

wherein when the financial account has a non-access period, at least one further input to the phone by the customer is operative to automatically change the financial account to an access period.

17. The apparatus according to claim 16 wherein the account settings can be preset by the customer to cause the financial account to automatically have an access period at specific times on specific days.

18. The apparatus according to claim 17 wherein the account settings can be preset by the customer to cause the financial account to automatically have a non-access period at specific times on specific days.

19. The apparatus according to claim 16 wherein the application is operative to allow the financial account to sequentially have on a same date:

a first access period responsive at least in part to at least one first input to the phone by the customer,

a first non-access period responsive at least in part to at least one second input to the phone by the customer,

a second access period responsive at least in part to at least one third input to the phone by the customer, and

a second non-access period responsive at least in part to at least one fourth input to the phone by the customer.

20. The apparatus according to claim 14 wherein the account settings allow the financial account to be set responsive at least in part to at least one input to the phone, to have an access period for a continuous time period,

wherein the continuous time period has a start time and an end time,

wherein at the end time the financial account changes to a non-access period responsive to the settings.

21. The apparatus according to claim 14 wherein the phone is part of a portable wireless communication device.

22. Apparatus comprising:

a portable wireless communication device that includes fraud prevention application associated with an already active financial account,

wherein the financial account is associated with account settings stored in at least one data store,

wherein the account settings are changeable responsive at least in part to at least one user input to the portable wireless communication device, to allow the financial account to have on the same date, both

at least one access period,

 

wherein during each access period,

 

transactions attempted on the financial account are permitted to be carried out with at least one automated transaction machine

 

that includes

 

at least one data reader operable to read machine user data usable to identify a financial account, and

 

at least one transaction function device operable to carry out at least a part of a financial transaction,

 

and

 

that is operable to carry out through use of the at least one transaction function device, a financial transaction involving a financial account that corresponds to machine user data read by the at least one data reader, and

 

the financial account remains active to allow at least one further user input to the portable wireless communication device to cause the account settings to be changed,

and

at least one non-access period,

 

wherein during each non-access period,

 

all transactions attempted on the financial account with the at least one automated transaction machine are prevented from being carried out, and

 

the financial account remains active to allow at least one further user input to the portable wireless communication device to cause the financial account to have an access period.

23. The apparatus according to claim 22 wherein the portable wireless communication device is configured to operate responsive at least in part to receiving at least one account changing input, to send at least one wireless communication that is operative to change the financial account to have one of an access period or a non-access period.

24. The apparatus according to claim 22 wherein the portable wireless communication device comprises a portable phone.