Card activated cash dispensing automated banking machine

• US 8,523,055 B1
• Filed: 09/19/2011
• Issued: 09/03/2013
• Est. Priority Date: 07/16/2002
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Parsons, Donald, Edwards, Judith, McCoy, Donald, Block, James
• Primary Examiner(s): LE, THIEN MINH
• Application Number:
  US13/200,143
• Time in Patent Office: 715 Days
• Field of Search: 235/375, 235/383, 235/379, 235/380, 235/382, 235/486, 235/487, 235/492
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3823 combining multiple encryption tools for a transaction
• CPC Class Codes: G06Q 20/3825 Use of electronic signatures
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/206 Software aspects at ATMs
• CPC Class Codes: G07F 7/084 Additional components relating to data transfer and storing, e.g. error detection, self-diagnosis
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A card activated cash dispensing automated banking machine is provided which includes a safe and at least a portion of a cash dispenser positioned within the safe. The cash dispenser includes an input device which when manually operated from within the safe causes the cash dispenser to accept data usable to authenticate communications received from a computer located outside the safe in the automated banking machine. The cash dispenser is operative responsive to authenticated communication to dispense cash.

Claims

1. Apparatus comprising:

an automated banking machine that operates responsive at least in part to data read from data bearing records to cause financial transactions, including;

a plurality of hardware components including;

a card reader operative to read card data on user cards corresponding to financial accounts; and

a cash dispenser;

a housing, wherein the plurality of hardware components are in operatively supported connection with the housing;

at least one door, wherein the at least one door is movable between a closed position and an open position; and

at least one input device positioned within the housing; and

at least one computer in operative communication with the plurality of hardware components and the at least one input device;

wherein when the at least one door is in the open position the at least one input device is operative to receive authorization information through a manual operation by the user, wherein when the at least one door is in the closed position the at least one input device is not capable of receiving the authorization information through the manual operation by the user;

wherein at least one of the hardware components is responsive at least in part to the authorization information to cause the at least one hardware component to accept data received from the at least one computer by the at least one hardware component for use with authenticating communications received by the at least one hardware component from the at least one computer, wherein when the at least one door is in the closed position, the at least one hardware component is operative to authenticate at least one communication received from the at least one computer using the accepted data, wherein the at least one hardware component is operative to carry out a transaction function responsive at least in part to the at least one authenticated communication received from the at least one computer.

2. The apparatus according to claim 1, further comprising a safe in operatively supported connection with the housing, wherein the safe includes the at least one door movable between the closed position and the open position with respect to an opening into the safe, wherein at least a portion of the at least one hardware component is located within the safe, wherein the at least one input device is located within the safe, wherein when the door of the safe is in the open position, the at least one input device is operative to receive the authorization information through the manual operation by the user.

3. The apparatus according to claim 2, wherein the at least one computer is located outside the safe.

4. The apparatus according to claim 3, wherein the at least one hardware component includes the cash dispenser, wherein the at least one input device is mounted to portions of the cash dispenser located inside the safe, wherein the transaction function includes dispensing cash.

5. The apparatus according to claim 4, wherein the at least one input device includes a button, wherein the authorization information received through the manual operation by the user includes an input received through operation of the button.

6. The apparatus according to claim 1, wherein the at least one input device includes a button, wherein the authorization information received through the manual operation by the user includes an input received through operation of the button.

7. The apparatus according to claim 1, wherein the at least one hardware component includes at least one data store, wherein the at least one hardware component is operative to store the accepted data in the at least one data store of the at least one hardware component.

8. The apparatus according to claim 1, wherein the at least one computer includes at least one computer hardware device, wherein the at least one computer hardware device includes stored therein data capable of being sent to the at least one hardware component by the at least one computer and capable of being accepted by the at least one hardware component for use with authenticating communications received by the at least one hardware component from the at least one computer.

9. The apparatus according to claim 8, wherein the at least one computer hardware device includes a hard drive.

10. The apparatus according to claim 8, wherein the at least one computer hardware device includes a processor.

11. The apparatus according to claim 8, wherein that data stored in the at least one computer hardware device that is capable of being sent to the at least one hardware component by the at least one computer and that is capable of being accepted by the at least one hardware component for use with authenticating communications received by the at least one hardware component from the at least one computer, includes at least a portion of a serial number associated with the at least one computer hardware device.

12. The apparatus according to claim 8, wherein that data stored in the at least one computer hardware device that is capable of being sent to the at least one hardware component by the at least one computer and that is capable of being accepted by the at least one hardware component for use with authenticating communications received by the at least one hardware component from the at least one computer, includes a secret key.

13. The apparatus according to claim 8, wherein that data stored in the at least one computer hardware device that is capable of being sent to the at least one hardware component by the at least one computer and that is capable of being accepted by the at least one hardware component for use with authenticating communications received by the at least one hardware component from the at least one computer, includes a public key.

14. The apparatus according to claim 1, wherein the at least one computer includes a trusted platform module (TPM), wherein the at least one computer is operative to use the TPM to securely store data capable of being sent to the at least one hardware component by the at least one computer and capable of being accepted by the at least one hardware component for use with authenticating communications received by the at least one hardware component from the at least one computer.

15. The apparatus according to claim 1, wherein to authenticate the at least one communication, the at least one hardware component is operatively configured to cryptographically determine using the accepted data that the at least one communication includes data which is authorized to cause the at least one hardware component to carry out at least one function.

16. The apparatus according to claim 1, wherein the plurality of hardware components further includes a depository mechanism.

17. Apparatus comprising:

an automated banking machine that operates responsive at least in part to data react from data bearing records to cause financial transactions, including;

a card reader operative to read card data on user cards corresponding to financial accounts; and

a cash dispenser;

a housing, wherein the plurality of hardware components are in operatively supported connection with the housing;

at least one door, wherein the at least one door is movable between a closed position and an open position; and

at least one input device positioned within the housing; and

at least one computer in operative connection with the card reader, the cash dispenser and the at least one input device;

wherein when the at least one door is in the open position the at least one input device is operative to receive authorization information through a manual operation by the user, wherein when the at least one door is in the closed position the at least one input device is not capable of receiving the authorization information through the manual operation by the user;

wherein the cash dispenser is responsive at least in part to the authorization information to cause the cash dispenser to accept data received from the at least one computer by the cash dispenser for use with authenticating communications received by the cash dispenser from the at least one computer, wherein when the at least one door is in the closed position, the cash dispenser is operative to authenticate at least one communication received from the at least one computer using the accepted data, wherein the cash dispenser is operative to dispense cash responsive at least in part to the at least one authenticated communication received from the at least one computer.

18. The apparatus according to claim 17, wherein the at least one input device includes a button, wherein the authorization information received through the manual operation by the user includes an input received through operation of the button.

19. Apparatus comprising:

an automated banking machine that operates responsive at least in part to data read from data bearing records to cause financial transactions, including;

a plurality of hardware components including;

a reader configured to read user associated data usable to identify financial accounts; and

a cash dispenser;

a housing, wherein the plurality of hardware components are in operatively supported connection with the housing;

at least one door, wherein the at least one door is movable between a closed position and an open position; and

at least one input device positioned within the housing; and

at least one computer in operative communication with the plurality of hardware components and the at least one input device;

wherein when the at least one door is in the open position the at least one input device is operative to receive authorization information through a manual operation by the user, wherein when the at least one door is in the closed position the at least one input device is not capable of receiving the authorization information through the manual operation by the user;

wherein at least one of the hardware components is responsive at least in part to the authorization information to cause the at least one hardware component to enable data communicated between the at least one computer and the at least one hardware component to be used to authenticate messages between the at least one hardware component and the at least one computer, wherein when the at least one door is in the closed position, at least one message between the at least one computer and the at least one hardware component is operative to be authenticated using the communicated data, wherein the at least one hardware component is operative to carry out a transaction function responsive at least in part to the at least one authenticated message communicated between the at least one computer and the at least one hardware component.

20. The apparatus according to claim 19, further comprising a safe in operatively supported connection with the housing, wherein the safe includes the at least one door movable between the closed position and the open position with respect to an opening into the safe, wherein the at least one hardware component includes the cash dispenser, wherein the at least one input device is mounted to portions of the cash dispenser located inside the safe, wherein the transaction function includes dispensing cash.