Banking machine that operates responsive to data bearing records
First Claim
Patent Images
1. Apparatus comprising:
- an automated banking machine that operates responsive at least in part to data read from data bearing records to cause financial transfers, wherein the automated banking machine includes a plurality of hardware devices including;
a card reader operative to read card data from user cards, wherein the card data corresponds to financial accounts;
a cash dispenser;
an encrypting PIN pad (EPP); and
at least one computer processor in operative communication with the card reader, the cash dispenser, and the encrypting PIN pad, wherein the at least one computer processor is operative to cause;
a computer determination to be made that card data read from a user card corresponds to a financial account concerning which financial transfers are authorized to be conducted through machine operation; and
a financial transfer at least one of to the financial account, from the financial account, or any combination thereof responsive at least in part to the determination;
a trusted platform module (TPM) in operative connection with the at least one computer processor,wherein the at least one computer processor is operative to use the TPM to establish secure communications between the at least one computer processor and at least one of the hardware devices.
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Accused Products
Abstract
An automated banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that operates to read card data from user cards. The card data corresponds to financial accounts. The automated banking machine includes a cash dispenser and the machine carries out transaction functions for consumers including dispensing cash. The automated banking machine is operatively configured to securely receive card data from a card reader.
30 Citations
15 Claims
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1. Apparatus comprising:
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an automated banking machine that operates responsive at least in part to data read from data bearing records to cause financial transfers, wherein the automated banking machine includes a plurality of hardware devices including; a card reader operative to read card data from user cards, wherein the card data corresponds to financial accounts; a cash dispenser; an encrypting PIN pad (EPP); and at least one computer processor in operative communication with the card reader, the cash dispenser, and the encrypting PIN pad, wherein the at least one computer processor is operative to cause; a computer determination to be made that card data read from a user card corresponds to a financial account concerning which financial transfers are authorized to be conducted through machine operation; and a financial transfer at least one of to the financial account, from the financial account, or any combination thereof responsive at least in part to the determination; a trusted platform module (TPM) in operative connection with the at least one computer processor, wherein the at least one computer processor is operative to use the TPM to establish secure communications between the at least one computer processor and at least one of the hardware devices. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. Apparatus comprising:
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an automated banking machine that operates responsive at least in part to data read from data bearing records to cause financial transfers, wherein the automated banking machine includes a plurality of hardware devices including; a card reader operative to read card data from user cards, wherein the card data corresponds to financial accounts; and at least one device operative to at least one of dispense cash, accept cash, or any combination thereof; at least one computer processor in operative communication with the card reader and the at least one device operative to at least one of dispense cash, accept cash, or a combination thereof, wherein the at least one computer processor is operative to cause; a computer determination to be made that card data read from a user card corresponds to a financial account concerning which financial transfers are authorized to be conducted through machine operation; and a financial transfer at least one of to the financial account, from the financial account, or any combination thereof responsive at least in part to the determination; a trusted platform module (TPM) in operative connection with the at least one computer processor, wherein the at least one computer processor is operative to use the TPM to securely receive card data read from a user card through operation of the card reader. - View Dependent Claims (15)
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Specification