Banking machine controlled responsive to data read from data bearing records

• US 8,474,700 B1
• Filed: 02/24/2012
• Issued: 07/02/2013
• Est. Priority Date: 12/20/2005
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Ma, Songtao, Somers, Jr., Charles H., Douglass, Mark A., Crews, Tim, Pettitt, James E., Ramachandran, Natarajan, Natoli, Frank, Enright, Jeffery M., Ipson, Theresa, Lewis, David N., Steinbach, Klaus, Irudayam, Sathish M., Graef, H. Thomas, Jenkins, Randall W.
• Primary Examiner(s): VO, TUYEN KIM
• Application Number:
  US13/385,567
• Time in Patent Office: 494 Days
• Field of Search: 235/379, 235/381, 235/483, 235/486, 235/380, 235/449, 235/475, 235/493
• US Class Current: 235/379
• CPC Class Codes: G06K 13/06 Guiding cards; Checking correct operation of card-conveying mechanisms
• CPC Class Codes: G06K 7/0004 Hybrid readers
• CPC Class Codes: G06Q 10/00 Administration; Management
• 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 20/3274 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: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• 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 module,

wherein the card reader module includes a card entry slot,

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

wherein the card reader module includes at least one data reader,

wherein the at least one data reader is operable to read data from a magnetic stripe of card,

wherein the card reader module includes a gate located adjacent the card entry slot,

wherein the gate is movable to an open position and a closed position,

wherein when the gate is in the closed position, the gate closes an opening,

wherein when the gate is in the closed position, a card is unable to enter through the opening,

wherein when the gate is in the open position, a card is able to enter through the opening,

wherein the card reader module includes a drive in operative connection with the gate,

wherein the drive is operable to cause the gate to move between the open position and the closed position,

wherein the card reader module includes at least one sensor located adjacent the card entry slot,

wherein the at least one sensor is operable to sense at least one particular card information,

wherein the card reader module includes at least one processor,

wherein the at least one processor is in operative connection with the at least one sensor and the drive,

wherein the at least one processor is operable to receive signals from the at least one sensor,

wherein the at least one processor based on signals received from the at least one sensor, is operable to determine from a card that is being manually positioned adjacent to the gate in the closed position, each of

whether a leading edge of the card is a long edge of the card,

whether a magnetic stripe is positioned adjacent the leading edge, and

whether a magnetic stripe is positioned on a correct side of the card,

wherein the at least one processor is operable responsive at least in part to a positive determination, to cause the drive to cause the gate to move from the closed position to the open position.

2. The apparatus according to claim 1 wherein the card entry slot leads inward toward the opening, wherein the card entry slot allows a leading long edge of a card to be therein while the gate is in the closed position.

3. The apparatus according to claim 1 wherein the at least one sensor includes leading edge sensors spaced from each other in a manner that allows the at least one processor to determine whether a card is oriented long-edge first.

4. The apparatus according to claim 3 wherein the leading edge sensors are spaced from each other a distance greater than a short edge of a card.

5. The apparatus according to claim 3 wherein the card entry slot includes a width sized to receive a long edge of a card, wherein the leading edge sensors are part of a sensor array that spans the width.

6. The apparatus according to claim 1 wherein the at least one sensor includes at least one magnetic sensor, wherein the at least one magnetic sensor is operable to detect the presence of a magnetic stripe.

7. The apparatus according to claim 6 wherein the at least one magnetic sensor is operable to detect the presence of a magnetic stripe within a limited distance, wherein the limited distance includes a portion of a card positioned adjacent to the gate, wherein the portion includes a card area located outward from the leading edge of the card.

8. The apparatus according to claim 7 wherein the at least one magnetic sensor allows the at least one processor to determine whether a magnetic stripe is positioned adjacent the leading edge of the card.

9. The apparatus according to claim 7 wherein the at least one magnetic sensor allows the at least one processor to determine whether a magnetic stripe is positioned on a correct side of the card.

10. The apparatus according to claim 1

wherein the card entry slot comprises a width greater than a long edge of a card,

wherein the width allows a long edge to be inserted into the slot at different positions along the width,

wherein the at least one sensor includes a sensor array that spans a distance greater than the long edge of a card, wherein the sensor array allows the at least one processor to calculate the length of a leading edge of a card, and wherein the at least one processor is operable to determine from the calculated length whether the leading edge corresponds in length to a long edge of a card.

11. The apparatus according to claim 1 wherein the opening is a part of the card entry slot.

12. Apparatus comprising:

a card reader module,

wherein the card reader module includes at least one data reader operable to read data from a magnetic stripe of card,

wherein the card reader module includes a card access gate,

wherein the gate controls card entry into the module,

wherein in a closed position, the gate prevents card entry,

wherein in an open position, the gate allows card entry,

wherein the card reader module includes at least one sensor,

wherein the card reader module includes at least one processor,

wherein the at least one processor is in operative connection with the at least one sensor,

wherein the at least one processor is operable to cause opening of the gate responsive at least in part to receiving from the at least one sensor, signals indicating that a card is positioned adjacent to the gate which has

a leading edge which corresponds to a long edge of a card, and

magnetic properties,

wherein the magnetic properties are both

 

adjacent to the leading edge, and

 

on an expected side of the card.

13. The apparatus according to claim 12 wherein the at least one sensor includes at least one magnetic sensor, wherein the at least one magnetic sensor is operable to detect the presence of a magnetic stripe,

wherein the at least one sensor includes at least one proximity sensor, wherein the at least one proximity sensor is operable to detect the presence of a long edge of a card that is positioned adjacent to the gate.

14. The apparatus according to claim 13 wherein the at least one magnetic sensor is operable to detect the presence of a magnetic stripe on only one side of a card that is positioned adjacent to the gate.

15. The apparatus according to claim 13 wherein the at least one magnetic sensor is operable to detect the presence of a magnetic stripe only within a limited range, wherein the limited range excludes the trailing edge of a card that is positioned adjacent to the gate.

16. The apparatus according to claim 12 wherein the card reader module 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 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 at least one data reader corresponding to the financial account, and

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

17. The apparatus according to claim 16 wherein the machine includes 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 at least one data 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.

18. Apparatus comprising:

at least one processor,

wherein the at least one processor is operable to receive signals from at least one card sensor that includes at least one magnetic property sensor positioned adjacent to a card input opening that is blockable by an access gate which is movable to an opening unblocking position responsive at least in part to the at least one card sensor sensing presence of a correctly oriented magnetic stripe card,

wherein the at least one processor is configured to operate to determine that a correctly oriented magnetic stripe card is present, based at least in part on signals received from the at least one card sensor indicating to the at least one processor that the magnetic stripe;

is facing in a correct direction, and

is located nearest to a long card edge which is the leading card edge relative to the card input opening.

19. The apparatus according to claim 18 wherein the at least one processor is configured to operate responsive at least in part to determining that a correctly oriented magnetic stripe card is present, to cause the gate to be moved to the opening unblocking position.

20. The apparatus according to claim 18 wherein the at least one processor is operable to determine based at least inpart on the signals received from the at least one card sensor, whether a card has a magnetic stripe that is facing in a downward direction.