Banking machine controlled responsive to data read from data bearing records
First Claim
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1. Apparatus comprising:
- an automated banking machine controlled responsive at least in part by data bearing records,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 slot is sized to receive a card comprising a magnetic stripe,wherein the machine includes a plurality of input devices,wherein the plurality of input devices include at least one reader,wherein the at least one reader includes a card reader arranged adjacent the slot,
wherein the card reader is operable to receive a card from a user of the machine,
wherein the card reader includes at least one magnetic read head,
wherein the at least one magnetic read head is operable to read an account number from a magnetic stripe of a card,
wherein the card reader includes at least one card reader processor,
wherein the at least one card reader processor is operable to encrypt an account number read by the at least one magnetic read head,wherein the plurality of input devices include an encrypting pin pad (EPP),wherein the EPP is operable to receive a personal identification number (PIN) from the user,wherein the EPP includes at least one EPP processor,
wherein the at least one EPP processor is operable to encrypt a user PIN received by the EPP,wherein the machine includes a machine controller,wherein the machine controller comprises at least one computer,wherein the machine controller is in operative connection with the plurality of input devices,wherein the machine controller is operable to cause an account number encrypted by the card reader to be communicated to the EPP,wherein the EPP is operable to
decipher an account number encrypted by the card reader processor, and then
encrypt the deciphered account number,wherein the machine controller is operable to cause at least one message to be sent to a transaction host system including at least one host computer,wherein the at least one message includes
a PIN encrypted by the EPP, and
an account number encrypted by the EPP,wherein the machine controller is operable to cause the cash dispenser to dispense cash in carrying out a cash dispense transaction requested by the user, responsive at least in part to host computer-determined correspondence between the PIN and the account number in the at least one message,wherein the machine controller is operable to cause a financial account corresponding to the account number to be assessed a value associated with an amount of cash dispensed in the cash dispense transaction.
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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.
20 Citations
20 Claims
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1. Apparatus comprising:
an automated banking machine controlled responsive at least in part by data bearing records, 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 slot is sized to receive a card comprising a magnetic stripe, wherein the machine includes a plurality of input devices, wherein the plurality of input devices include at least one reader, wherein the at least one reader includes a card reader arranged adjacent the slot,
wherein the card reader is operable to receive a card from a user of the machine,
wherein the card reader includes at least one magnetic read head,
wherein the at least one magnetic read head is operable to read an account number from a magnetic stripe of a card,
wherein the card reader includes at least one card reader processor,
wherein the at least one card reader processor is operable to encrypt an account number read by the at least one magnetic read head,wherein the plurality of input devices include an encrypting pin pad (EPP), wherein the EPP is operable to receive a personal identification number (PIN) from the user, wherein the EPP includes at least one EPP processor,
wherein the at least one EPP processor is operable to encrypt a user PIN received by the EPP,wherein the machine includes a machine controller, wherein the machine controller comprises at least one computer, wherein the machine controller is in operative connection with the plurality of input devices, wherein the machine controller is operable to cause an account number encrypted by the card reader to be communicated to the EPP, wherein the EPP is operable to
decipher an account number encrypted by the card reader processor, and then
encrypt the deciphered account number,wherein the machine controller is operable to cause at least one message to be sent to a transaction host system including at least one host computer, wherein the at least one message includes
a PIN encrypted by the EPP, and
an account number encrypted by the EPP,wherein the machine controller is operable to cause the cash dispenser to dispense cash in carrying out a cash dispense transaction requested by the user, responsive at least in part to host computer-determined correspondence between the PIN and the account number in the at least one message, wherein the machine controller is operable to cause a financial account corresponding to the account number to be assessed a value associated with an amount of cash dispensed in the cash dispense transaction. - View Dependent Claims (2, 3, 4, 5, 6)
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7. Apparatus comprising:
an automated banking machine usable to carry out financial transactions, wherein the machine includes at least one user input device, wherein the at least one user input device includes an encrypting card reader, wherein the card reader is operable to read card data from cards, wherein the card reader includes at least one first processor,
wherein the at least one first processor is operable to encrypt card data read by the card reader,wherein the at least one user input device includes an encrypting pin pad (EPP), wherein the EPP is operable to receive a personal identification number (PIN) inputted through the EPP, wherein the EPP includes at least one second processor,
wherein the at least one second processor is operable to encrypt a PIN received by the EPP,wherein the EPP is operable to receive card data encrypted by the at least one first processor,
wherein the at least one second processor is operable to decipher card data encrypted by the at least one first processor,
wherein the at least one second processor is operable to encrypt deciphered card data,wherein the machine is operable to cause at least one message to be sent to a transaction host system, wherein the at least one message includes both a PIN encrypted by the EPP, and card data encrypted by the EPP. - View Dependent Claims (8, 9, 10)
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11. Apparatus comprising:
an automated transaction machine usable to carry out financial transactions, wherein the machine includes at least one input device, wherein the at least one input device includes a first input device, wherein the first input device is operable to receive first user data from a machine user,
wherein the first input device is operable to encrypt the received first user data,wherein the at least one input device includes a second input device, wherein the second input device is operable to receive second user data from the machine user,
wherein the second input device is operable to encrypt the received second user data,wherein the second input device is operable to receive first user data encrypted by the first input device,
wherein the second input device is operable to decipher the received first user data encrypted by the first input device,
wherein the second input device is operable to encrypt the deciphered first user data.- View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
Specification
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Current AssigneeDiebold Nixdorf, Incorporated
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Original AssigneeDiebold Self-Service Systems (Diebold Nixdorf, Incorporated)
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InventorsJenkins, Randall W., Ma, Songtao, Crews, Tim, Douglass, Mark A., Ramachandran, Natarajan, Enright, Jeffery M., Lewis, David N., Steinbach, Klaus, Irudayam, Sathish M., Graef, H. Thomas
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Primary Examiner(s)VO, TUYEN KIM
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Application NumberUS13/404,617Time in Patent Office578 DaysField of Search235/379, 235/380, 235/381US Class Current235/379CPC Class CodesG06Q 40/02 Banking, e.g. interest calc...G07F 19/20 Automatic teller machines [...G07F 7/1033 Details of the PIN padG07F 7/1091 Use of an encrypted form of...
