Automated banking machine operated responsive to data bearing records with improved resistance to fraud

• US 8,556,168 B1
• Filed: 07/23/2012
• Issued: 10/15/2013
• Est. Priority Date: 11/26/2002
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Ma, Songtao, Lewis, David N., Enright, Jeffery, Block, James, Pettitt, James E., Ramachandran, Natarajan, Jenkins, Randall
• Primary Examiner(s): St. Cyr, Daniel
• Application Number:
  US13/555,235
• Time in Patent Office: 449 Days
• Field of Search: 235/375, 235/379, 235/380, 902/8, 902/9, 902/14
• US Class Current: 235/379
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/2055 Anti-skimming aspects at ATMs

Abstract

A banking system machine is controlled responsive to data read from data bearing records. The machine includes a card reader, a keypad, a cash dispenser, a cash outlet, a deposit accepting opening, and other transaction locations that may be susceptible to the installation of fraudulent devices adjacent thereto. Such unauthorized devices may include for example, a fraudulent card reading device, a fraudulent keypad input intercepting device, a cash outlet trap device, a deposit input diversion device, or other illegitimate devices. The machine includes an anti-fraud arrangement that is operative to deter the attachment of unauthorized devices to the machine. The arrangement can sense and/or dislodge an unauthorized device attached to the machine. The arrangement also allows for the machine'"'"'s card slot bezel to be frequently exchanged for a differently contoured card slot bezel.

Claims

1. Apparatus comprising:

an automated banking machine operative responsive at least in part to data read from data bearing records to cause financial transfers,

wherein the machine is associated with at least one computer,

wherein the machine includes a card reader,

wherein the card reader includes a card accepting area,

wherein the card reader is operable to read from user cards, user data that corresponds to financial accounts,

wherein the card reader is in operative connection with the at least one computer,

wherein the at least one computer is operative to cause the card reader to read user data from user cards,

wherein the machine includes a cash dispenser,

wherein the cash dispenser is operable to dispense cash from the machine,

wherein the cash dispenser is in operative connection with the at least one computer,

wherein the at least one computer is operative, responsive at least in part to a determination that user data read by the card reader corresponds to a financial account with which a cash dispense transaction is authorized to be carried out with the machine, to cause the cash dispenser to dispense cash,

 

wherein the at least one computer is operative to cause the financial account to be assessed a value associated with the cash dispensed,

wherein the machine includes a housing,

wherein the housing bounds an interior area,

wherein the housing is associated with bezel support structure,

wherein the bezel support structure is configured to operatively support different card slot bezels only one at a time,

 

wherein the different card slot bezels are interchangeable with the machine,

 

wherein the different card slot bezels include at least a first card slot bezel and a second card slot bezel,

 

wherein the first card slot bezel includes a first card slot,

 

wherein the first card slot bezel includes a first exterior surface,

 

wherein the first exterior surface comprises a first contoured profile,

 

wherein the first contoured profile surrounds the first card slot,

 

wherein the second card slot bezel includes a second card slot,

 

wherein the second card slot bezel includes a second exterior surface,

 

wherein the second exterior surface comprises a second contoured profile,

 

wherein the second contoured profile surrounds the second card slot,

 

wherein the second contoured profile differs from the first contoured profile,

 

wherein the differing contoured profiles are configured to reduce ability of a same fraudulent card reader being attachable adjacent to each of the first card slot and the second card slot,

wherein the machine includes at least one lock,

wherein the at least one lock is in operative connection with the housing,

wherein the at least one lock is operable to control access to the interior area,

wherein when a respective card slot bezel of the different card slot bezels is operatively supported by the bezel support structure, then

at least one fastener releasibly holds the respective card slot bezel in fixed operatively supported engagement with the bezel support structure,

wherein the at least one fastener is manually movable to release the respective card slot bezel from fixed operatively supported engagement with the bezel support structure,

wherein when the first card slot bezel is operatively supported by the bezel support structure, then the first card slot is aligned with the card accepting area, which enables a user card to be moved in the first card slot to the card accepting area,

wherein when the second card slot bezel is operatively supported by the bezel support structure, then the second card slot is aligned with the card accepting area, which enables a user card to be moved in the second card slot to the card accepting area.

2. The apparatus according to claim 1 wherein the machine is part of a banking system that includes a plurality of cash dispensing automated banking machines,

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

wherein each machine is respectively associated with at least one processor,

wherein the at least one processor is operative to cause read card data to be compared with card information stored in an authorized machine user information data store,

wherein the at least one processor is operative to cause read biometric data to be compared with biometric information stored in the authorized machine user information data store,

wherein the at least one processor is operative to authorize a machine user to request a cash dispense transaction responsive at least in part to each of:

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

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

computer-determined correspondence between the read card data and the read biometric data.

3. The apparatus according to claim 1

wherein the machine includes a wireless reader,

wherein the wireless reader is operable to wirelessly receive bezel data transmitted by a card slot bezel positioned adjacent the housing,

wherein the at least one computer is operative to determine based at least in part on bezel data received by the wireless reader, whether an authorized card slot bezel is positioned adjacent the housing.

4. The apparatus according to claim 3 wherein each of the different card slot bezels is an authorized card slot bezel,

wherein each of the different card slot bezels is operative to wirelessly transmit bezel data,

wherein the at least one computer is operative to determine based at least in part on bezel data received by the wireless reader, whether one of the different card slot bezels is positioned adjacent the housing.

5. The apparatus according to claim 3 wherein the at least one computer is operative to determine based at least in part on the bezel data received by the wireless reader, whether an authorized card slot bezel was removed from machine.

6. The apparatus according to claim 1

wherein the machine includes at least one sensor,

wherein the at least one sensor is operable to detect a card slot bezel operatively supported by the bezel support structure,

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

wherein the at least one computer is operative to determine based at least in part on detection of a respective card slot bezel by the at least one sensor, whether the respective card slot bezel is properly positioned relative to the bezel support structure.

7. The apparatus according to claim 1 wherein when the first card slot bezel is operatively supported by the bezel support structure, then at least one first fastener releasibly holds the first card slot bezel in fixed operatively supported engagement with the bezel support structure,

wherein the at least one first fastener is manually movable to release the first card slot bezel from fixed operatively supported engagement with the bezel support structure.

8. The apparatus according to claim 7 wherein the at least one first fastener is only accessible from within the interior area.

9. The apparatus according to claim 8 wherein when the second card slot bezel is operatively supported by the bezel support structure, then the at least one first fastener releasibly holds the second card slot bezel in fixed operatively supported engagement with the bezel support structure.

10. The apparatus according to claim 8 wherein the first card slot bezel includes the at least one first fastener.

11. The apparatus according to claim 10 wherein the at least one first fastener is an integral part of the first card slot bezel.

12. The apparatus according to claim 10 wherein the bezel support structure includes at least one connection slot, wherein the at least one first fastener is resilient, wherein the at least one first fastener is configured to snap fit into the at least one connection slot.

13. The apparatus according to claim 8 wherein the bezel support structure includes the at least one first fastener.

14. The apparatus according to claim 13 wherein the first card slot bezel includes at least one connection slot, wherein the at least one first fastener is resilient, wherein the at least one first fastener is configured to snap fit into the at least one connection slot.

15. The apparatus according to claim 13 wherein when the second card slot bezel is operatively supported by the bezel support structure, then the at least one first fastener releasibly holds the second card slot bezel in fixed operatively supported engagement with the bezel support structure.

16. The apparatus according to claim 8 wherein the at least one first fastener is removably attachable to both the first card slot bezel and the bezel support structure.

17. The apparatus according to claim 16 wherein the at least one first fastener comprises at least one screw.

18. The apparatus according to claim 7 wherein the at least one first fastener includes a bezel lock,

wherein the at least one bezel lock is in operative connection with the first card slot bezel,

wherein the at least one bezel lock is operable to lock the first card slot bezel to the bezel support structure.

19. The apparatus according to claim 18 wherein the at least one bezel lock is accessible from outside of the machine.

20. The apparatus according to claim 1 wherein each respective different card slot bezel comprises a bezel insert and a bezel housing,

wherein for each respective different card slot bezel:

the bezel housing is configured to be held in fixed operatively supported engagement with the bezel support structure,

the bezel insert is removable attachable to the bezel housing, and

the bezel insert includes the contoured profile,

wherein the contoured profile differs from every other contoured profile of the different card slot bezels.

21. Apparatus comprising:

an automated banking machine operable responsive at least in part to data read from data bearing records,

wherein the machine includes a user data reader,

wherein the user data reader is operable to read user data that corresponds to financial accounts,

wherein the machine includes a cash dispenser,

wherein the cash dispenser is operable to dispense cash from the machine to an authorized user of the machine during a cash dispense transaction,

wherein the machine includes a housing,

wherein the housing bounds an interior area,

wherein the machine includes a bezel,

wherein the bezel is removably attached to the housing,

wherein the bezel includes a user data receiving area,

wherein the user data reader is operable to read user data provided to the user data receiving area,

wherein the bezel includes an exterior surface,

wherein the exterior surface has a contoured profile,

wherein the contoured profile is adjacent the user data receiving area,

wherein the bezel includes bezel data,

wherein the bezel data is usable to identify the bezel as a bezel authorized for use with the machine,

wherein the machine includes a bezel data reader,

wherein the bezel data reader is operable to wirelessly read the bezel data from the bezel.

22. The apparatus according to claim 21

wherein the user data reader comprises a card reader,

wherein the card reader includes a card accepting area,

wherein the user data receiving area comprises a card slot in the bezel,

wherein the card slot is in alignment with the card accepting area,

wherein the alignment enables a user card to be moved in the card slot to the card accepting area.

23. The apparatus according to claim 22 wherein machine includes at least one of:

(i) the bezel including an RFID tag,

wherein the RFID tag includes the bezel data,

the bezel data reader comprising an RF reader,

wherein the RF reader is operable to wirelessly read the bezel data from the RFID tag; and

(ii) the bezel including an NFC chip,

wherein the NFC chip includes the bezel data,

the bezel data reader comprising an NFC reader,

wherein the NFC reader is operable to wirelessly read the bezel data from the NFC chip.

24. The apparatus according to claim 21

wherein the bezel includes an RFID tag,

wherein the RFID tag includes the bezel data,

wherein the bezel data reader comprises an RF reader,

wherein the RF reader is operable to wirelessly read the bezel data from the RFID tag.

25. The apparatus according to claim 24 wherein the RFID tag is programmable, and wherein the machine is operable to store bezel data in the RFID tag.

26. The apparatus according to claim 25 wherein the machine is operable to update bezel data stored in the RFID tag after each transaction.

27. The apparatus according to claim 21

wherein the bezel includes an NFC chip,

wherein the NFC chip includes the bezel data,

wherein the bezel data reader comprises an NFC reader,

wherein the NFC reader is operable to wirelessly read the bezel data from the NFC chip.

28. The apparatus according to claim 27 wherein the NFC chip is programmable, and wherein the machine is operable to store bezel data in the NFC chip.

29. The apparatus according to claim 28 wherein the machine is operable to update bezel data stored in the NFC chip after each transaction.

30. The apparatus according to claim 21 wherein the machine includes an attachment arrangement with which respective different bezels are respectively individually removably attachable to the housing,

wherein the bezel comprises a first bezel that is attached to the housing via the attachment arrangement,

and further comprising a second bezel,

wherein the second bezel is attachable to the housing via the attachment arrangement,

wherein the second bezel includes a user data receiving area,

wherein the user data reader is operable to read user data provided to the user data receiving area of the second bezel,

wherein the second bezel includes an exterior surface,

wherein the exterior surface of the second bezel has a different contoured profile that differs from the contoured profile of the first bezel,

wherein the different contoured profile is adjacent the user data receiving area of the second bezel,

wherein the second bezel includes different bezel data,

wherein the different bezel data is usable to identify the second bezel as a bezel authorized for use with the machine,

wherein when the second bezel is attached to the housing via the attachment arrangement, the bezel data reader is operable to wirelessly read the different bezel data from the second bezel.