Automated banking machine operation authorization based on user location verified by data read from data bearing records
First Claim
1. Apparatus comprising:
- a system operable to cause financial transfers responsive at least in part to data read from data bearing records,wherein the system comprises at least one computer associated with a self-service automated banking machine that includes at least one reader, a cash dispenser, and at least one camera,wherein the at least one computer is operable to use user data read by the at least one reader to identify a financial account on which financial transactions can be carried out,wherein the at least one computer is operable to cause the machine to carry out for an authorized user, a cash dispense transaction involving the financial account, responsive at least in part to computer-determined correspondence between user data read by the at least one reader and the financial account,wherein the at least one computer is operable during a user session involving a machine user, to obtain through use of user data read by the at least one reader, information regarding a mobile device of a customer,wherein the information includes a current location of the mobile device,wherein the information includes an address of the mobile device,wherein the at least one computer is operable during the user session to compare location of the machine to the current location of the mobile device,wherein the at least one computer is operable to determine that the user session is suspicious based at least in part on a discrepancy between the location of the machine and the current location of the mobile device,
wherein the at least one computer is operable responsive at least in part to a determination that the user session is suspicious, to cause the at least one camera to capture at least one image of at least a portion of the machine user,
wherein the at least one computer is operable during the user session to use the address to send the at least one image to the mobile device,
wherein the at least one computer is operable subsequent to the at least one image being sent, to;
allow the user session to continue, responsive at least in part to consent from the customer for the user session being timely received, and
cause the user session to end, responsive at least in part to consent from the customer for the user session not being timely received.
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Accused Products
Abstract
An automated banking machine transaction request is authorized based on the 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 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 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 machine. The security arrangement helps prevent an unauthorized person from using a fraudulent machine card to access a financial account.
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Citations
24 Claims
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1. Apparatus comprising:
a system operable to cause financial transfers responsive at least in part to data read from data bearing records, wherein the system comprises at least one computer associated with a self-service automated banking machine that includes at least one reader, a cash dispenser, and at least one camera, wherein the at least one computer is operable to use user data read by the at least one reader to identify a financial account on which financial transactions can be carried out, wherein the at least one computer is operable to cause the machine to carry out for an authorized user, a cash dispense transaction involving the financial account, responsive at least in part to computer-determined correspondence between user data read by the at least one reader and the financial account, wherein the at least one computer is operable during a user session involving a machine user, to obtain through use of user data read by the at least one reader, information regarding a mobile device of a customer, wherein the information includes a current location of the mobile device, wherein the information includes an address of the mobile device, wherein the at least one computer is operable during the user session to compare location of the machine to the current location of the mobile device, wherein the at least one computer is operable to determine that the user session is suspicious based at least in part on a discrepancy between the location of the machine and the current location of the mobile device,
wherein the at least one computer is operable responsive at least in part to a determination that the user session is suspicious, to cause the at least one camera to capture at least one image of at least a portion of the machine user,
wherein the at least one computer is operable during the user session to use the address to send the at least one image to the mobile device,
wherein the at least one computer is operable subsequent to the at least one image being sent, to;
allow the user session to continue, responsive at least in part to consent from the customer for the user session being timely received, and
cause the user session to end, responsive at least in part to consent from the customer for the user session not being timely received.- View Dependent Claims (2, 3, 4, 5)
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6. Apparatus comprising:
a self-service automated banking machine operable to cause financial transfers responsive at least in part to data read from data bearing records, wherein the machine includes at least one reader, wherein the at least one reader is operable to read user data that is both; usable to identify a financial account on which financial transactions can be carried out, and associated in at least one data store with a mobile device of a customer, wherein the mobile device is operable to receive images, wherein the machine includes a cash dispenser operable to dispense cash to authorized users of the machine, wherein the machine is operable to carry out a cash dispense transaction on a financial account for an authorized user, responsive at least in part to a computer-determined relationship between user data read by the at least one reader and the financial account, wherein the machine includes at least one camera, wherein the at least one camera is configured to operate during a user session to capture at least one facial image of a machine user, responsive at least in part to the user session being deemed suspicious based at least in part on user data read by the at least one reader, wherein the machine is configured to operate to continue the user session, responsive at least in part to consent from the customer for the user session being timely received in reply to the at least one facial image being sent to the mobile device. - View Dependent Claims (7, 8, 9, 10, 11, 12, 13)
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14. A method comprising:
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(a) operating at least one computer during a user session involving a user at a self-service automated banking machine, to determine that the user session is suspicious based at least in part on user data read by at least one reader of the machine; (b) operating the at least one computer responsive at least in part to the determination in (a), to cause at least one imaging device of the machine to capture at least one image of at least a portion of the user; (c) operating the at least one computer to cause the at least one image captured in (b) to be sent to a mobile device of a customer linked to the user data; and (d) subsequent to (c), operating the at least one computer to either; (di) allow the user session to continue, responsive at least in part to customer consent for the user session being timely received from the customer;
or(dii) cause the user session to end, responsive at least in part to customer consent for the user session not being timely received from the customer. - View Dependent Claims (15, 16, 17, 18, 19, 20)
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21. A method comprising:
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(a) operating at least one computer during a user session involving a user at a self-service automated banking machine, to receive user data read by at least one reader of the machine; (b) operating the at least one computer during the user session to obtain address data for a mobile communication device of a customer linked to the user data; (c) subsequent to (b), operating the at least one computer during the user session to cause, responsive at least in part to a determination that the user session is suspicious, at least one message to be sent to the mobile communication device, wherein the at least one message informs of the user session, wherein the at least one message allows the customer to provide through input to the mobile communication device, customer consent to end the user session, wherein the at least one computer is operative to receive through input to the mobile communication device, a timely reply to the at least one message; and (d) subsequent to (c), operating the at least one computer to either; (di) cause the user session to end, based at least in part on customer consent to end the user session being timely input to the mobile communication device in reply to the at least one message;
or(dii) allow the user session to continue, based at least in part on customer consent to end the user session not being timely input to the mobile communication device in reply to the at least one message. - View Dependent Claims (22, 23)
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24. A method comprising:
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(a) operating at least one computer during a user session involving a user at a self-service automated banking machine, to determine that the user session is suspicious based at least in part on user data read by at least one reader of the machine; (b) operating the at least one computer responsive at least in part to the determination in (a), to cause at least one imaging device of the machine to capture at least one image of at least a portion of the user; (c) subsequent to (b), operating the at least one computer during the user session to cause at least one message to be sent to a mobile communication device of a customer linked to the user data, wherein the at least one message includes; the at least one image, and a session authorization code; and (d) operating the at least one computer to either; (di) allow the user session to continue, based at least in part on the machine timely receiving from the user subsequent to (c), the session authorization code included in the at least one message;
or(dii) cause the user session to end, based at least in part on the machine not timely receiving from the user subsequent to (c), the session authorization code included in the at least one message.
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Specification