Banking machine controlled responsive to data read from data bearing records

• US 9,038,891 B2
• Filed: 04/08/2014
• Issued: 05/26/2015
• Est. Priority Date: 12/20/2005
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Lewis, David N., Enright, Jeffrey M., Steinbach, Klaus, Irudayam, Sathish M., Graef, H. Thomas, Jenkins, Randall W., Ma, Songtao, Crews, Tim, Douglass, Mark A., Ramachandran, Natarajan
• Primary Examiner(s): VO, TUYEN KIM
• Application Number:
  US14/247,273
• Publication Number:
  US 20140217169A1
• Time in Patent Office: 413 Days
• Field of Search: 235/379, 235/486, 235/483, 235/475
• US Class Current: 235/379
• CPC Class Codes: G06K 7/082 using inductive or magnetic sensors
• CPC Class Codes: G06K 7/084 sensing magnetic material by relative movement detecting flux changes without altering its magnetised state
• CPC Class Codes: G06Q 20/308 using the Internet of Things
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/2055 Anti-skimming aspects at ATMs

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 card data is usable by the machine to authorize a user to carry out a financial transfer involving the account.

Claims

1. A tangible, non-transitory computer readable medium with instructions encoded thereon for execution by a processor and when executed operable to:

obtain data representative of a card position from a sensor located adjacent to a card entry slot;

wherein the card entry slot is a size that allows at least part of a card to enter a card reader module coupled with the card entry slot;

wherein the card reader module includes a gate located adjacent the card entry slot;

wherein the gate is movable to an open position and a closed position;

wherein when the gate is in the closed position, the gate closes an opening;

wherein when the gate is in the closed position, a card is unable to enter through the opening;

wherein when the gate is in the open position, a card is able to enter through the opening;

wherein the card reader module includes a drive in operative connection with the gate;

wherein the drive is operable to cause the gate to move between the open position and the closed position;

wherein based on signals received from the sensor, the instructions are operable to cause the processor to determine from a card that is adjacent to the gate while the gate is in the closed position whether a leading edge of the card is a long edge of the card, whether a magnetic stripe on the card is positioned adjacent the leading edge, and whether the magnetic stripe is positioned on a correct side of the card; and

wherein the instructions are operable, responsive at least in part to a positive determination that the leading edge of the card is the long edge of the card, the magnetic stripe is positioned adjacent the leading edge, and the magnetic stripe is positioned on a correct side of the card, to cause the drive to cause the gate to move from the closed position to the open position.

2. The computer readable medium according to claim 1, wherein the card entry slot leads inward toward the opening, wherein the card entry slot allows a leading long edge of a card to be therein while the gate is in the closed position.

3. The computer readable medium according to claim 1, wherein the sensor includes leading edge sensors spaced from each other in a manner that allows the processor to determine whether a card is oriented long-edge first.

4. The computer readable medium according to claim 3, wherein the leading edge sensors are spaced from each other a distance greater than a short edge of a card.

5. The computer readable medium according to claim 3, wherein the card entry slot includes a width sized to receive a long edge of a card, wherein the leading edge sensors are part of a sensor array that spans the width.

6. The computer readable medium according to claim 1, wherein the sensor includes a magnetic sensor, wherein the magnetic sensor is operable to detect the presence of a magnetic stripe.

7. The computer readable medium according to claim 6, wherein the magnetic sensor is operable to detect the presence of a magnetic stripe within a limited distance, wherein the limited distance includes a portion of a card positioned adjacent to the gate, wherein the portion includes a card area located outward from the leading edge of the card.

8. The computer readable medium according to claim 7, wherein the magnetic sensor allows the processor to determine whether a magnetic stripe is positioned adjacent the leading edge of the card.

9. The computer readable medium according to claim 7, wherein the magnetic sensor allows the processor to determine whether a magnetic stripe is positioned on a correct side of the card.

10. The computer readable medium according to claim 1, wherein the card entry slot comprises a width greater than a long edge of a card, wherein the width allows a long edge to be inserted into the slot at different positions along the width, wherein the sensor includes a sensor array that spans a distance greater than the long edge of a card, wherein the sensor array allows the processor to calculate the length of a leading edge of a card, and wherein the processor is operable to determine from the calculated length whether the leading edge corresponds in length to a long edge of a card.

11. The computer readable medium according to claim 1, wherein the opening is a part of the card entry slot.

12. A tangible, non-transitory computer readable medium with instructions encoded thereon for execution by a processor and when executed operable to:

receiving signals from a sensor indicating that a card is positioned adjacent to the gate which has a leading edge and magnetic properties;

wherein in a closed position, the gate prevents card entry into the card reader module;

wherein in an open position, the gate allows card entry into the card reader module;

cause opening of a card access gate that controls card entry into a card reader module responsive at least in part to the signals from the sensor indicating that the card is positioned adjacent to the gate, the leading edge corresponds to a long edge of the card, and wherein the magnetic properties are both adjacent to the leading edge, and on an expected side of the card.

13. The computer readable medium according to claim 12,

wherein the sensor comprises a magnetic sensor, wherein the magnetic sensor is operable to detect the presence of a magnetic stripe;

wherein the sensor further comprises a proximity sensor, wherein the proximity sensor is operable to detect the presence of a long edge of a card that is positioned adjacent to the gate.

14. The computer readable medium according to claim 13, wherein the magnetic sensor is operable to detect the presence of a magnetic stripe on one side of a card that is positioned adjacent to the gate.

15. The computer readable medium according to claim 13, wherein the magnetic sensor is operable to detect the presence of a magnetic stripe within a limited range;

and

wherein the limited range excludes the trailing edge of a card that is positioned adjacent to the gate.

16. The computer readable medium according to claim 12 wherein the card reader module is part of an automated banking machine;

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 automated banking machine to authorized machine users;

wherein the automated banking machine includes a user interface that comprises a card insertion slot, wherein the card insertion slot is sized to receive a card;

wherein the automated banking machine is operable to carry out a transaction on a financial account for a machine user, based at least in part on user data read by the data reader corresponding to the financial account, and the machine user being recognized as an authorized user of the machine.

17. The computer readable medium according to claim 16, wherein the automated banking machine includes a biometric reader, and a machine controller;

wherein the machine controller is operable during a user transaction session to cause read user data read by the data reader to be compared with card information stored in a information data store, and cause read biometric data read by the biometric reader to be compared with biometric information stored in the information data store;

wherein a computer associated with the automated banking machine is operable to authorize the user to request a cash dispense transaction responsive at least in part to both computer-determined correspondence between the read user data and stored card information, and computer-determined correspondence between the read biometric data and stored biometric information.

18. A tangible, non-transitory computer readable medium with instructions encoded thereon for execution by a processor and when executed operable to:

receive signals from a card sensor that includes a magnetic property sensor positioned adjacent to a card input opening that is blockable by an access gate which is movable to an opening unblocking position;

determine that a correctly oriented magnetic stripe card is present, based at least in part on signals received from the card sensor indicating that the magnetic stripe;

is facing in a correct direction, and is located nearest to a long card edge of the card which is the leading card edge of the card relative to the card input opening; and

move the access gate to an opening, unblocking position responsive at least in part to determining that a correctly oriented magnetic stripe card is present.

19. The computer readable medium according to claim 18 wherein the processor is operable to determine based at least in part on the signals received from the card sensor, whether a card has a magnetic stripe that is facing in a downward direction.