IP Library Granted Patent US 12694762
Granted Patent B1
US 12694762 · App. 19/069,310 · Granted Jul 28, 2026

Unauthorized device detection at automated teller machines

Inventor: Christian A. Mergliano (Lancaster, CA)
Assignee: Bank of America Corporation
G07F19/2055
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Quick Facts
Patent No.
US 12694762
App. No.
19/069,310
Granted
Jul 28, 2026
Kind
B1
Abstract

Arrangements for detecting unauthorized devices at automated teller machines (ATMs) are provided. In some examples, an ATM including a display and a card acceptor including at least one Hall effect sensor within the card acceptor, may receive, from the at least one Hall effect sensor, an indication of a presence of a physical magnet within the card acceptor. In response, the ATM may generate a mitigation action and a notification indicating a presence of an unauthorized device within the card acceptor. The ATM may execute the mitigation action which may cause a modification of functionality of the ATM. For instance, the ATM and/or card reader may be disabled, the ATM may display a notification that other forms of authentication should be used, or the like. The ATM may transmit or send the notification to an enterprise computing system which may cause the enterprise computing system to display the notification.

Claims (47)

1 . An automated teller machine, comprising:

a display;

a card acceptor including a card reader and at least one hall effect sensor within the card acceptor;

at least one processor;

a communication interface communicatively coupled to the at least one processor; and

a memory storing computer-readable instructions that, when executed by the at least one processor, cause the automated teller machine to:

receive, from the at least one Hall effect sensor, an indication of a presence of a physical magnet within the card acceptor, wherein the at least one Hall effect sensor is configured to detect the presence of the physical magnet within the card acceptor when an unauthorized device is in an in-use state and when the unauthorized device is in a disabled state;

generate, based on the indication of the presence of the physical magnet within the card acceptor, a mitigation action and a notification indicating a presence of the unauthorized device within the card acceptor based on the indication of the presence of the physical magnet within the card acceptor;

execute the mitigation action, wherein executing the mitigation action causes a modification in functionality of the automated teller machine; and

send, to an enterprise computing system, the notification, wherein sending the notification causes the notification to be displayed by a display of the enterprise computing system.

2 . The automated teller machine of claim 1 , wherein the at least one Hall effect sensor includes a plurality of Hall effect sensors.

3 . The automated teller machine of claim 2 , wherein receiving, from the at least one Hall effect sensor, the indication of the presence of the physical magnet within the card acceptor includes receiving, from the plurality of Hall effect sensors, a plurality of indications of at least one magnet within the card acceptor and determining, based on the plurality of indications, a physical profile of the unauthorized device within the card acceptor.

4 . The automated teller machine of claim 1 , wherein the mitigation action includes disabling the automated teller machine.

5 . The automated teller machine of claim 1 , wherein the mitigation action includes disabling the card acceptor and causing, to display on the display of the automated teller machine, an indication that the card acceptor is disabled.

6 . The automated teller machine of claim 5 , wherein the indication that the card acceptor is disabled further includes instructions to initiate a transaction at the automated teller machine using one of: contactless technology or a mobile application executing on a user computing device.

7 . The automated teller machine of claim 1 , further including instructions that, when executed, cause the automated teller machine to:

after generating the mitigation action and before executing the mitigation action:

determine whether a time delay command is present;

responsive to determining that a time delay command is not present, execute the mitigation action; and

responsive to determining that a time delay command is present, wait a predetermined time before executing the mitigation action.

8 . A method, comprising;

receiving, by an automated teller machine having a display, a card acceptor including a card reader and at least one Hall effect sensor within the card acceptor, at least one processor, and memory, and from the at least one Hall effect sensor, an indication of a presence of a physical magnet within the card acceptor, wherein the at least one Hall effect sensor is configured to detect the presence of the physical magnet within the card acceptor when an unauthorized device is in an in-use state and when the unauthorized device is in a disabled state;

generating, by the at least one processor and based on the indication of the presence of the physical magnet within the card acceptor, a mitigation action and a notification indicating a presence of an unauthorized device within the card acceptor based on the indication of the presence of the physical magnet within the card acceptor;

executing, by the at least one processor, the mitigation action, wherein executing the mitigation action causes a modification in functionality of the automated teller machine; and

sending, by the at least one processor and to an enterprise computing system, the notification, wherein sending the notification causes the notification to be displayed by a display of the enterprise computing system.

9 . The method of claim 8 , wherein the at least one Hall effect sensor includes a plurality of Hall effect sensors.

10 . The method of claim 9 , wherein receiving, from the at least one Hall effect sensor, the indication of the presence of the physical magnet within the card acceptor includes receiving, from the plurality of Hall effect sensors, a plurality of indications of at least one magnet within the card acceptor and determining, based on the plurality of indications, a physical profile of the unauthorized device within the card acceptor.

11 . The method of claim 8 , wherein the mitigation action includes disabling the automated teller machine.

12 . The method of claim 8 , wherein the mitigation action includes disabling the card acceptor and causing, to display on the display of the automated teller machine, an indication that the card acceptor is disabled.

13 . The method of claim 12 , wherein the indication that the card acceptor is disabled further includes instructions to initiate a transaction at the automated teller machine using one of: contactless technology or a mobile application executing on a user computing device, and that other forms of authentication should be used.

14 . The method of claim 8 , further including:

after generating the mitigation action and before executing the mitigation action:

determining, by the at least one processor, whether a time delay command is present;

responsive to determining that a time delay command is not present, executing, by the at least one processor, the mitigation action; and

responsive to determining that a time delay command is present, waiting,

by the at least one processor, a predetermined time before executing the mitigation action.

15 . One or more non-transitory computer-readable media storing instructions that, when executed by an automated teller machine having a display, a card acceptor including a card reader and at least one Hall effect sensor within the card acceptor, at least one processor, memory, and a communication interface, cause the automated teller machine to:

receive, from the at least one Hall effect sensor, an indication of a presence of a physical magnet within the card acceptor, wherein the at least one Hall effect sensor is configured to detect the presence of the physical magnet within the card acceptor when an unauthorized device is in an in-use state and when the unauthorized device is in a disabled state;

generate, based on the indication of the presence of the physical magnet within the card acceptor, a mitigation action and a notification indicating a presence of an unauthorized device within the card acceptor based on the indication of the presence of the physical magnet within the card acceptor;

execute the mitigation action, wherein executing the mitigation action causes a modification in functionality of the automated teller machine; and

send, to an enterprise computing system, the notification, wherein sending the notification causes the notification to be displayed by a display of the enterprise computing system.

16 . The one or more non-transitory computer-readable media of claim 15 , wherein the mitigation action includes disabling the automated teller machine.

17 . The one or more non-transitory computer-readable media of claim 15 , further including instructions that, when executed, cause the automated teller machine to:

after generating the mitigation action and before executing the mitigation action:

determine whether a time delay command is present;

responsive to determining that a time delay command is not present, execute the mitigation action; and

responsive to determining that a time delay command is present, wait a predetermined time before executing the mitigation action.