Banking system controlled responsive to data bearing records

• US 8,950,665 B1
• Filed: 02/14/2012
• Issued: 02/10/2015
• Est. Priority Date: 12/20/2005
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Jenkins, Randall W., Ramachandran, Natarajan, Block, James, Steinbach, Klaus, Lute, Richard C., Magee, Paul D., Harty, Michael J., Crews, Tim
• Primary Examiner(s): Lee, Michael G
• Assistant Examiner(s): CHEDEKEL, TABITHA F
• Application Number:
  US13/385,338
• Time in Patent Office: 1,092 Days
• Field of Search: 235/375, 235/379, 235/380, 205/201, 205/205, 205/227, 902/5, 902/20, 902/35
• US Class Current: 235/379
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/205 Housing aspects of ATMs
• CPC Class Codes: G07F 19/2055 Anti-skimming aspects at ATMs

Abstract

An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and the display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. Unauthorized observation of manual inputs to an input device is prevented through the use of nonvisible light emitters that prevent the observation of such inputs via an electronic camera interception device.

Claims

1. Apparatus comprising:

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

a card reader, wherein the card reader is operative to read card data from cards,

wherein the card data corresponds to at least one financial account,

a manual input device, wherein the manual input device includes a plurality of digit contact points,

a cash dispenser,

at least one processor associated with the machine, wherein the at least one processor is in operative connection with the card reader, the cash dispenser and the manual input device, wherein the at least one processor is operative to cause the automated banking machine to operate to

read card data from a user card,

receive at least one input through the manual input device,

cause a determination to be made that the card data read form the user card corresponds to an authorized financial account,

cause responsive at least in part to the determination and the at least one input, the cash dispenser to operate to dispense cash from the machine,

and cause the financial account corresponding to the card data to be assessed a value associated with the dispensed cash,

a plurality of light emitters in operatively supported connection with the machine, wherein the plurality of light emitters are configured to emit light at a sufficient intensity to prevent an electronic camera from capturing images showing at least some digit contact with at least some of the plurality of contact points; and

wherein the plurality of light emitters are operative to output infrared light at the sufficient intensity at a plurality of different frequencies respectively.

2. The apparatus according to claim 1, and further comprising,

a cover, wherein the cover overlies at least some of the plurality of contact points,

wherein at least one of the plurality of light emitters is operative to output light with the sufficient intensity within an interior area of the cover.

3. The apparatus according to claim 2 wherein the at least one input device includes a keypad, wherein the keypad includes a plurality of keys,

wherein the cover includes an inside surface in generally facing relation relative to the keys, wherein at least one of the plurality of light emitters is operative to output light such that light is at least at the sufficient intensity at the inside surface.

4. The apparatus according to claim 1, wherein the at least one manual input device comprises a touch screen.

5. The apparatus according to claim 3, wherein at least one of the plurality of light emitters is operative to output nonvisible light.

6. The apparatus according to claim 5, wherein at least one of the plurality of light emitters is operative to output infrared light.

7. The apparatus according to claim 5, wherein at least one of the plurality of light emitters is operative to output infrared light at the sufficient intensity at a plurality of different frequencies.

8. The apparatus according to claim 5, wherein the at least one of the plurality of light emitters is in operative connection with the at least one processor,

wherein during at least a portion of the transaction, the at least one processor is in a condition in which the at least one processor enables the manual input device to receive inputs,

wherein during at least a portion of the transaction when the at least one processor is in the condition, the at least one processor is operative to cause the at least one of the plurality of light emitters to emit light.

9. The apparatus according to claim 8, wherein the cover is comprised of movable material.

10. The apparatus according to claim 9 and further comprising,

at least one actuator, wherein the at least one actuator is in operative connection with the cover,

wherein the at least one actuator is in operative connection with the at least one processor,

wherein the at least one processor is operative to cause the at least one actuator to move at least a portion of the cover.

11. The apparatus according to claim 8 and further comprising,

at least one sensor, wherein the at least one sensor is operative to sense light emitted from at least one of the plurality light emitters, wherein the at least one sensor is in operative connection with the at least one processor,

wherein the at least one processor is operative to generate at least one signal responsive at least in part to the at least one sensor not operative to sense output light from the at least one of the plurality of light emitters.

12. The apparatus according to claim 11 wherein the at least one processor is operative to generate at least one signal responsive at least in part to the at least one sensor not sensing light at least a predetermined level of intensity.

13. The apparatus according to claim 12 wherein the at least one signal is operative to cause at least one output from the machine corresponding to an indication of an abnormal condition.

14. The apparatus according to claim 11 wherein responsive to the at least one signal, the machine is no longer operative to perform at least one operation.

15. The apparatus according to claim 4

wherein at least one of the plurality of light emitters is operative to output infrared light,

wherein the at least one of the plurality of light emitters is in operative connection with the at least one processor,

wherein during a portion of a transaction, the at least one processor is in a condition, wherein when the processor is in the condition, the input device is enabled to receive at least one input,

wherein the at least one processor is operative during at least a portion of the transaction that the processor is in the condition, to cause the at least one of the plurality of light emitters to emit light.

16. The apparatus according to claim 15 and further comprising,

at least one sensor, wherein the at least one sensor is operative to sense light emitted from the at least one of the plurality of light emitter,

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

wherein the at least one processor is operative to generate at least one signal responsive at least in part to the at least one sensor not operating to sense output light from the at least one light emitter.

17. The apparatus according to claim 16 wherein the at least one input device includes a touch screen display module, wherein the touch screen display module is operative to receive inputs corresponding to digit contact with a surface of the touch screen display module, and wherein the touch screen display module is operative to provide encrypted output signals corresponding to such digit contact.

18. Apparatus comprising:

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

a reader, wherein the reader is operative to read record data from a data bearing record wherein the read data corresponds to a financial account,

a manual input device wherein the manual input device includes a plurality of digit contact points,

at least one processor associated with the machine, wherein the at least one processor is in operative connection with the reader and the manual input device, wherein the at least one processor is operative to cause the automated banking machine to operate to,

read record data through operation of the reader,

receive at least one input through the manual input device,

cause a determination to be made that the read record data corresponds to a financial account authorized to conduct a transaction through the machine,

cause responsive at least in part to the determination and the at least one input, at least one of a credit or a debit to the financial account,

a cover that overlies at least some of the plurality of digit contact points, the cover having a top surface and a plurality of visual openings located on the top surface corresponding to the plurality of digit contact points, and

at least one light emitter in operatively supported connection with the machine, wherein the at least one light emitter is configured to emit light at a sufficient intensity to prevent an electronic camera from capturing images showing at least one manual input through the manual input device.

19. The apparatus according to claim 18 wherein the reader comprises a card reader, wherein the card reader is operative to read card data from user card, wherein the card data corresponds to at least one financial account.

20. The apparatus according to claim 18, wherein the plurality of visual openings have a front end, the cover further comprises a plurality of louvers corresponding to the plurality of visual openings on the top of the cover;

wherein the plurality of louvers extend downardly and rearwardly from the front end of the plurality of visual openings.