Automated banking machine with non-contact reading of card data

• US 9,368,000 B2
• Filed: 05/19/2015
• Issued: 06/14/2016
• Est. Priority Date: 03/31/2004
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Ramachandran, Natarajan, Douglass, Mark A.
• Primary Examiner(s): LE, THIEN MINH
• Application Number:
  US14/716,373
• Publication Number:
  US 20150339894A1
• Time in Patent Office: 392 Days
• Field of Search: 235/379, 235/380, 235/492, 235/493
• US Class Current: 1/1
• CPC Class Codes: G06K 7/0004 Hybrid readers
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/308 using the Internet of Things
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• 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: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/205 Housing aspects of ATMs
• CPC Class Codes: G07F 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
• CPC Class Codes: G07F 7/1075 PIN is checked remotely

Abstract

An automated banking machine is part of a banking system that can operate to cause financial transfers responsive to data read from data bearing records. The machine can also receive user card data from a cell phone, including an electronic account number. The phone'"'"'s banking application encrypts the account number along with an inputted random number which was generated by the machine. The phone then displays a bar code image containing the encrypted data. The machine includes a bar code reader. The random number is used to verify the current transaction session. Thereafter, normal transaction flow can follow, including PIN input. The process allows for secure input of card data without physical insertion of a card. Thus, fraudulent activities based on card insertion can be reduced.

Claims

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

operating an image reader of an automated banking machine during a user session with the automated banking machine, to read a displayed encrypted image that includes account number data corresponding to a customer account, wherein the automated banking machine is operable to allow an authorized user of the machine to carry out a transaction; and

subsequent to operating the image reader, operating the automated banking machine during the user session in carrying out a transaction on the customer account.

2. The computer readable medium set forth in claim 1,

wherein the automated banking machine includes a user display, a cash dispenser, and at least one of a card reader and a biometric reader,

wherein the cash dispenser is operable to selectively dispense cash stored in the machine to authorized users of the automated banking machine,

wherein the automated banking machine is operable during a requested cash withdrawal transaction on a customer account to cause data read by the at least one of a card reader and a biometric reader, to be sent to a remote financial transaction host, dispense cash through operation of the cash dispenser responsive at least in part to a machine user being recognized as an authorized user of the machine based at least in part on computer-determined correspondence between the data read by the at least one of a card reader and a biometric reader, and authorized user identification data stored in at least one data store,

wherein the automated banking machine is operable to cause a customer account involved in a requested cash withdrawal transaction to be assessed a value associated with cash dispensed;

and

the instructions are further operable to operate the automated banking machine to cause the cash dispenser to dispense an amount of cash requested in a cash withdrawal transaction.

3. The computer readable medium set forth in claim 1, wherein operating an image reader includes reading the displayed encrypted image from a display screen of a mobile communication device including a phone.

4. The computer readable medium set forth in claim 1,

wherein the encrypted image comprises a bar code,

wherein the bar code includes the account number data,

wherein the account number data comprises an account number, wherein the image reader comprises a bar code reader, and

wherein operating an image reader includes operating the bar code reader to read the bar code.

5. A tangible, non-transitory computer readable medium of execution containing instructions for execution by a processor and when executed operable to:

operate at least one data reader of an automated banking machine during a user session with the automated banking machine, to read machine-readable data from a display screen of a personal device,

wherein the machine-readable data includes user data usable to identify a financial account, and

wherein the automated banking machine is operable to allow an authorized user of the machine to carry out a financial transaction; and

subsequent to operating the at least one data reader, operate the automated banking machine during the user session in carrying out a financial transaction that involves the financial account.

6. The computer readable medium set forth in claim 5,

wherein the machine includes at least one user display, a cash dispenser, a card reader, a biometric reader, and an RFID tag reader;

wherein the card reader includes a magnetic stripe reader, wherein the magnetic stripe reader is operable to read card data corresponding to account identifying information from a magnetic stripe of a user card;

wherein the RFID tag reader is operative to read card data corresponding to account identifying information from a RFID tag;

the instructions are further operable to;

operate one of the card reader and the RFID tag reader to read card data provided by an automated banking machine user;

operate the biometric reader to read biometric data from the automated banking machine user;

operate at least one machine control computer to determine whether the read card data corresponds to the biometric data; and

authorize the automated banking machine user to carry out a financial transaction involving operation of the cash dispenser responsive at least in part to a positive determination that the read card data corresponds to the biometric data.

7. The computer readable medium set forth in claim 5,

wherein the personal device comprises a mobile communication device;

wherein the machine-readable data comprises a bar code;

wherein the at least one data reader includes a bar code reader;

wherein operating the at least one data reader includes operating the bar code reader to read bar code data from a display screen of the mobile communication device, wherein the bar code data includes the user data.

8. The computer readable medium set forth in claim 7, wherein the user data includes an account number corresponding to the financial account, wherein operating the at least one data reader includes reading the account number.

9. The computer readable medium set forth in claim 5,

wherein the machine-readable data comprises an encrypted image, wherein operating the at least one data reader includes reading the encrypted image and wherein the encrypted image includes the user data.

10. The computer readable medium set forth in claim 9,

wherein the personal device comprises a cell phone;

wherein operating the at least one data reader includes reading the encrypted image from a display screen of the cell phone; and

wherein operating the automated banking machine includes operating the automated banking machine in carrying out a financial transaction on a financial account that was determined from decrypted user data.

11. A tangible, non-transitory computer readable medium of execution containing instructions for execution by a processor and when executed operable to:

operate an automated banking machine during a user session with the automated banking machine to obtain digital image data from a personal device, wherein the digital image data includes user data usable to identify a financial account, wherein the automated banking machine is operable to allow an authorized user of the machine to carry out a financial transaction; and

subsequent to operating an automated banking machine during a user session with the automated banking machine to obtain digital image data, operating the automated banking machine during the user session in carrying out a financial transaction that involves the financial account.

12. The computer readable medium set forth in claim 11,

wherein the automated banking machine includes at least one user display, a cash dispenser, and at least one of a card reader and a biometric reader;

and

the instructions are further operable to;

operate the at least one of a card reader and a biometric reader to read machine user data provided by a machine user;

operate at least one machine control computer to determine whether the machine user data corresponds to the user data obtained from the personal user device; and

authorize the machine user to carry out a financial transaction involving the cash dispenser responsive at least in part to a positive determination that the machine user data corresponds to the user data obtained from the personal user device.

13. The computer readable medium set forth in claim 11,

wherein the personal device comprises a mobile communication device,

wherein the machine includes an image reader,

wherein operating an automated banking machine to obtain digital image data from a personal device, includes user data usable to identify a financial account;

and

wherein the automated banking machine is operable to allow an authorized user of the machine to carry out a financial transaction includes operating the image reader to read the digital image data from a display screen of the mobile communication device.

14. The computer readable medium set forth in claim 13,

wherein the mobile communication device includes a mobile phone;

wherein the image reader comprises a bar code reader;

wherein the image data comprises a bar code; and

wherein operating an automated banking machine to obtain digital image data from a personal device includes operating the bar code reader to read the bar code from a display screen of the mobile phone.

15. The computer readable medium set forth in claim 11,

wherein the personal device comprises a mobile communication device;

and

wherein operating an automated banking machine to obtain digital image data from a personal device includes wirelessly receiving the digital image data from the mobile communication device.

16. The computer readable medium set forth in claim 15,

wherein the digital image data includes at least one digital image;

and

wherein operating an automated banking machine to obtain digital image data from a personal device includes wirelessly receiving the user data in at least one digital image that was sent from the mobile communication device.

17. The computer readable medium set forth in claim 16,

wherein the mobile communication device includes a mobile phone;

and

wherein the at least one digital image includes at least one digital picture, wherein (a) includes wirelessly receiving the user data in at least one digital picture that was sent from the mobile phone.

18. The computer readable medium set forth in claim 17,

wherein the mobile phone comprises a cell phone;

and

wherein operating an automated banking machine to obtain digital image data from a personal device includes wirelessly receiving the user data in at least one digital picture that was captured by a camera of the cell phone.

19. The computer readable medium set forth in claim 16,

wherein the at least one digital image includes at least one encrypted image and

wherein operating an automated banking machine to obtain digital image data from a personal device includes wirelessly receiving the user data in at least one encrypted image that was sent from the mobile communication device.

20. The computer readable medium set forth in claim 15,

wherein operating an automated banking machine to obtain digital image data from a personal device includes wirelessly receiving the digital image data in at least one e-mail sent from the mobile communication device.