Automated teller machine with an encrypting card reader and an encrypting pin pad
First Claim
1. A non-transitory, tangible computer readable medium of instructions with computer readable instructions stored thereon for execution by a processor, and when executed operable to:
- obtain, by the processor, wherein the processor is an encrypting personal indentification number (PIN) pad processor, from a card reader, data associated with a financial account encrypted by a first key associated with the card reader;
decrypt, by the encrypting PIN pad processor, the data associated with the financial account encrypted by the first key;
obtain, by the encrypting PIN pad processor, data representative of a personal identification number (PIN) associated with the financial account from a keypad;
encrypt by the encrypting PIN pad processor, the decrypted data associated with the financial account and the PIN with a second key; and
transmit by the encrypting PIN pad processor, the data associated with the financial account and the PIN encrypted that were encrypted with the second key to a host computer.
21 Assignments
0 Petitions
Accused Products
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 machine also includes a PIN keypad. The card reader can send encrypted card data to the keypad. The keypad can decipher the encrypted card data. The keypad can encrypt both deciphered card data and a received user PIN. The card data and the PIN are usable by the machine to authorize a user to carry out a financial transfer involving the account.
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Citations
20 Claims
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1. A non-transitory, tangible computer readable medium of instructions with computer readable instructions stored thereon for execution by a processor, and when executed operable to:
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obtain, by the processor, wherein the processor is an encrypting personal indentification number (PIN) pad processor, from a card reader, data associated with a financial account encrypted by a first key associated with the card reader; decrypt, by the encrypting PIN pad processor, the data associated with the financial account encrypted by the first key; obtain, by the encrypting PIN pad processor, data representative of a personal identification number (PIN) associated with the financial account from a keypad; encrypt by the encrypting PIN pad processor, the decrypted data associated with the financial account and the PIN with a second key; and transmit by the encrypting PIN pad processor, the data associated with the financial account and the PIN encrypted that were encrypted with the second key to a host computer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method, comprising:
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obtaining by a processor of an encrypting personal identification number (PIN)pad data associated with a financial account from a card reader, that is encrypted by a first key associated with the card reader; decrypting, by the processor of the encrypting PIN pad, data representative of a financial account number from the data associated with the financial account encrypted by the first key; obtaining, by the processor of the encrypting PIN pad, data representative by a personal identification number (PIN) associated with the financial account from a keypad; encrypting, by the processor of the encrypting PIN pad, the decrypted data representative of the financial account and the PIN with a second key; and transmitting, by the processor of the encrypting PIN pad, the data representative of the financial account number and the PIN that have been encrypted with the second key to a host computer. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20)
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Specification