Self-service terminal limited access personal identification number (“PIN”)

• US 8,635,159 B1
• Filed: 03/26/2010
• Issued: 01/21/2014
• Est. Priority Date: 03/26/2010
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Vannatter, Timothy B., Cobb, Matthew I.
• Primary Examiner(s): HAMILTON, SARA CHANDLER
• Application Number:
  US12/732,242
• Time in Patent Office: 1,397 Days
• Field of Search: 705/43, 705/44, 235/379, 235/380
• US Class Current: 705/43
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 7/1025 Identification of user by a PIN code

Abstract

A method for operating an electronic self-service device is provided. The method may include using an electronic receiver module to receive electronic data from the self-service device. The electronic data may include information regarding a limited access personal identification number (“PIN”). The method may further include using an electronic computational module to test the PIN using a plurality of algorithms. The testing preferably determines whether the PIN corresponds to one of a plurality of stored PIN offset values. The method may also include identifying an algorithm that obtains a correspondence between the PIN and one of the plurality of stored PIN offset values. The method may further include using an electronic transmitter to transmit a signal corresponding to the algorithm used to obtain the correspondence and receiving an electronic authorization message that comprises instructions. The instructions may provide limited access authorization information.

Claims

1. An automated teller machine (“

ATM”

) comprising;

a receiver configured to receive multiple inputs, each of the multiple inputs including a different personal identification number (“

PIN”

) and one of the PINs comprising a received PIN, wherein each of the different PINs is associated with a same financial institution account and at least one PIN authorizes full access to the account;

a local processor configured to determine whether predetermined limited access information corresponds to the received PIN;

a communication device;

wherein, when the limited access information corresponds to the received PIN;

the communication device is configured to transmit the limited access information to a remote central server, said limited access information not including the received PIN;

the receiver is configured to receive limited access instructions from the remote central server, said limited access instructions providing access to a predetermined portion of the financial institution account, said predetermined portion being less than the entirety of the financial institution account; and

in response to the received limited access instructions, said limited access instructions received from the remote central server in response to transmission of the limited access information by the communication device to the remote central server, said limited access information corresponding to the received PIN, the local processor is further configured to provide access to the predetermined portion of the financial institution account;

a document acceptor,

wherein, in response to the received limited access instructions, said limited access instructions received from the remote central server in response to transmission of the limited access information by the communication device to the remote central server, said limited access information corresponding to the received PIN, the local processor is further configured to prohibit access to the document acceptor; and

a display screen;

wherein, in response to the received limited access instructions, said limited access instructions received from the remote central server in response to transmission of the limited access information by the communication device to the remote central server, said limited access information corresponding to the received PIN, wherein the receiver is configured to receive multiple inputs, each of the multiple inputs including a different PIN and one of the PINs comprising the received PIN, wherein each of the different PINs is associated with the same financial institution account and at least one PIN authorizes full access to the account, the local processor is further configured to present a limited access internet banking portal on the display screen, wherein an internet banking portal comprises a set of selectable options for accessing available banking services and the limited access internet banking portal comprises a limited set of selectable options that is fewer than the set of selectable options; and

wherein, the receiver is further configured to periodically receive information including at least one updated PIN.

2. The ATM of claim 1 wherein the access to the predetermined portion of the financial institution account is limited to a predetermined quantum of uses.

3. The ATM of claim 1 wherein the communication device is further configured to transmit information in communication with a router, said information including the limited access information.

4. The ATM of claim 1 wherein:

a predetermined security alert is activated in response to the received PIN; and

,

the communication device is further configured to transmit a communication comprising a fraud notification in response to the security alert.

5. The ATM of claim 4 wherein:

the ATM includes a timing device; and

the timing device is configured to slow the actions of the ATM in response to the received PIN.

6. The ATM of claim 1 wherein:

a predetermined panic alert is activated in response to the received PIN; and

the communication device is further configured to transmit a message to the remote central server that a customer is in danger and requires immediate assistance in response to the panic alert.

7. The ATM of claim 1 wherein the limited access instructions received from the remote central server prevent a deposit of funds into the account via the document acceptor.

8. An automated teller machine (“

ATM”

) comprising;

a receiver configured to receive multiple inputs, each of the multiple inputs including a different personal identification number (“

PIN”

) and one of the PINs comprising a received PIN, wherein each of the different PINs is associated with a same financial institution account and at least one PIN authorizes full access to the account;

a local processor configured to determine whether predetermined limited access information corresponds to the received PIN; and

a communication device;

wherein, when the limited access information corresponds to the received PIN;

the communication device is configured to communicate the limited access information to a remote central server, said limited access information not including the received PIN;

the receiver is configured to receive limited access instructions from the remote central server, said limited access instructions providing access to a predetermined portion of the financial institution account, said access to the predetermined portion of the financial institution account being limited to a predetermined quantum of time and said predetermined portion of the financial institution account being less than the entirety of the financial institution account; and

in response to the received limited access instructions, said limited access instructions received from the remote central server in response to transmission of the limited access information by the communication device to the remote central server, said limited access information corresponding to the received PIN, the local processor is further configured to provide access to the predetermined portion of the financial institution account within the predetermined quantum of time;

a document acceptor;

wherein, in response to the received limited access instructions, said limited access instructions received from the remote central server in response to transmission of the limited access information by the communication device to the remote central server, said limited access information corresponding to the received PIN, the local processor is further configured to prohibit access to the document acceptor; and

a display screen;

wherein, in response to the received limited access instructions, said limited access instructions received from the remote central server in response to transmission of the limited access information by the communication device to the remote central server, said limited access information corresponding to the received PIN, wherein the receiver is configured to receive multiple inputs, each of the multiple inputs including a different PIN and one of the PINs comprising the received PIN, wherein each of the different PINs is associated with the same financial institution account and at least one PIN authorizes full access to the account, the local processor is further configured to present a limited access internet baking portal on the display screen, wherein an internet banking portal comprises a set of selectable options for accessing available banking services and the limited access banking portal comprises a limited set of selectable options that is fewer than the set of selectable options; and

wherein the receiver is further configured to periodically receive information including at least one updated PIN.

9. The ATM of claim 8 wherein, when the ATM communicates electronically via a router, the information includes limited access PIN information.

10. An automated teller machine (“

ATM”

) comprising;

a receiver configured to receive multiple inputs, each of the multiple inputs including information comprising a different personal identification number (“

PIN”

) and one of the PINs comprising a received PIN, wherein each of the different PINs is associated with a same financial institution account and at least one PIN authorizes full access to the account;

a local processor configured to determine whether predetermined limited access information corresponds to the received PIN; and

a communication device;

wherein, when the limited access information corresponds to the received PIN;

the communication device is configured to communicate the limited access information to a remote central server, said limited access information not including the received PIN;

the receiver is configured to receive limited access instructions from the remote central server, said limited access instructions providing access to a predetermined portion of the financial institution account, said access to the predetermined portion of the financial institution account being limited to a predetermined quantum of funds and said predetermined portion of the financial institution account being less than the entirety of the financial institution account; and

in response to the received limited access instructions said limited access instructions received from the remote central server in response to transmission of the limited access information by the communication device to the remote central server, said limited access information corresponding to the received PIN, the processor is further configured to provide access to the predetermined portion of the financial institution account;

a document acceptor;

wherein, in response to the received limited access instructions, said limited access instructions received from the remote central server in response to transmission of the limited access information by the communication device to the remote central server, said limited access information corresponding to the received PIN, the local processor is further configured to prohibit access to the document acceptor; and

a display screen;

wherein, in response to the received limited access instructions, said limited access instructions received from the remote central server in response to transmission of the limited access information by the communication device to the remote central server, said limited access information corresponding to the received PIN, wherein the receiver is configured to receive multiple inputs, each of the multiple inputs including a different PIN and one of the PINs comprising the received PIN, wherein each of the different PINs is associated with the same financial institution account and at least one PIN authorizes full access to the account, the local processor is further configured to present a limited access internet banking portal on the display screen, wherein an internet banking portal comprises a set of selectable options for accessing available banking services and the limited access banking portal comprises a limited set of selectable options that is fewer than the set of selectable options; and

wherein the receiver is further configured to periodically receive information including at least one updated PIN.

11. The ATM of claim 10 wherein, when the ATM communicates electronically via a router, the information includes limited access PIN information.