Method of operation of card reading apparatus in automated banking machine to reduce risk of fraud
View Patent ↗A method of operating an automated banking machine in response to data included on a user card includes operating a cash dispensing automated banking machine that includes a card reader, a keypad, a cash outlet, a deposit accepting opening and other transaction locations that may be susceptible to the installation of fraud devices. The machine operates to sense the probable installation of unauthorized devices. Such unauthorized devices may include fraudulent card reading devices, fraudulent keypad input intercepting devices, cash outlet trap devices, deposit input diversion devices or other fraud devices. Control circuitry in operative connection with radiation output and radiation sensing devices, operates to identify conditions corresponding to the probable installation of a fraud device on the machine and to take actions in response thereto.
1. A method of operating a cash dispensing automated banking machine including a card reader operative to read data from user cards corresponding to users, and that enables operation of the machine to carry out at least one transaction by a user responsive to data read from the user's card, comprising:
(a) outputting radiation through operation of a radiation output device adjacent a user transaction location on the cash dispensing automated banking machine, wherein at the user transaction location at least one of user inputs are provided to the machine and items are input to the machine or received from the machine, by users operating the automated banking machine, wherein radiation is output by the radiation output device responsive to control circuitry in the automated banking machine, wherein the control circuitry includes at least one processor;
(b) sensing through operation of at least one radiation sensing device on the machine, radiation adjacent the user transaction location, wherein the at least one radiation sensing device is in operative connection with the control circuitry;
(c) determining through operation of the control circuitry, first data corresponding to at least one radiation level sensed by the at least one radiation sensing device when the radiation output device is not operating to output radiation, and second data corresponding to at least one radiation level sensed by the radiation sensing device when the radiation output device is operating to output radiation;
(d) comparing through operation of the control circuitry the first data and the second data;
(e) causing responsive to operation of the control circuitry, the automated banking machine to take at least one action responsive to the comparison in (d).
2. The method according to claim 1 wherein in (e) the at least one action includes providing at least one output indicative of an abnormal condition at the machine.
3. The method according to claim 2 wherein (d) includes determining if the second data is at least as great as the first data.
4. The method according to claim 3 wherein (d) includes determining that the second data is in excess of the first data.
5. The method according to claim 3 wherein (d) includes determining if the second data exceeds the first data by at least a value.
6. The method according to claim 5 wherein (d) includes determining a difference between the first data from the second data to resolve a difference value, and further comprising comparing the difference value to at least one threshold value.
7. The method according to claim 6 and further comprising repeating (a) through (d) and determining a plurality of first data values and corresponding second data values, wherein in (d) each corresponding difference value is compared to the at least one threshold value.
8. The method according to claim 7 wherein in (e) the banking machine provides the at least one output responsive to a plurality of difference values, each difference value being at least as great as the at least one threshold value.
9. The method according to claim 7 wherein in (e) the at least one output is provided responsive to a plurality of consecutive difference values each being at least as great as the at least one threshold value.
10. The method according to claim 7 wherein in (e) the at least one output is provided responsive to a plurality of difference values each being at least as great as the at least one threshold value during a time period.
11. The method according to claim 10 wherein the control circuitry includes gain circuitry in operative connection with the at least one radiation sensing device, and further comprising:
(f) prior to (c) amplifying signals corresponding to radiation sensed by the at least one radiation sensing device.
12. The method according to claim 1 and further comprising:
(f) determining a signal from the at least one radiation sensing device, wherein the signal corresponds to an ambient light level sensed when the radiation output device is not operating; and
(g) subsequent to (f), amplifying signals corresponding to radiation sensed by the at least one radiation sensing device responsive at least in part to a determination that the ambient light level is below a predetermined level.
13. The method according to claim 1 wherein in (a) the radiation output device includes an infrared (IR) light emitting diode (LED).
14. The method according to claim 1 wherein in (b) the at least one radiation sensing device includes a photo diode.
15. The method according to claim 1 wherein the automated banking machine includes a card reader slot in operative connection with the card reader, and wherein in (a) and (b) the transaction location includes at least a portion of the card reader slot.
16. The method according to claim 1 wherein the automated banking machine includes a keypad, and wherein in (a) and (b) the transaction location includes at least a portion of the keypad.
17. The method according to claim 1 wherein the automated banking machine includes a cash outlet, and wherein in (a) and (b), the transaction location includes at least a portion of the cash outlet.
18. The method according to claim 1 wherein the automated banking machine includes a deposit accepting opening, and wherein in (a) and (b), the transaction location includes at least a portion of the deposit accepting opening.
19. The method according to claim 1 and further comprising:
(f) prior to (d), determining through operation of the circuitry that the radiation sensed by the at least one radiation sensing device when the radiation output device is not operating, is below a level;
(g) responsive to the determination in (f), amplifying at least one signal from the at least one radiation sensing device.
20. A method of sensing a coded record, wherein the coded record comprises a card including data corresponding to at least one of a card bearer's identity and a financial account, comprising:
(a) outputting radiation through operation of a radiation output device adjacent a card slot associated with a card reader of a cash dispensing automated banking machine, wherein the card reader is capable of reading data on the card, wherein radiation is output by the radiation output device responsive to control circuitry in the automated banking machine, wherein the control circuitry includes at least one processor;
(b) sensing through operation of at least one radiation sensing device on the machine, radiation adjacent the card slot, wherein the at least one radiation sensing device is in operative connection with the control circuitry;
(c) determining through operation of the control circuitry, first data corresponding to at least one radiation level sensed by the at least one radiation sensing device when the radiation output device is not operating to output radiation;
(d) comparing through operation of the control circuitry, the first data and the second data;
(e) causing responsive to operation of the control circuitry, the automated banking machine to take at least one action responsive to the comparison in (d);
(f) reading the data on the card;
(g) operating the automated banking machine to cause the data read from the card in (f) to be compared to data corresponding to at least one of authorized users and accounts; and
(h) responsive to the comparison in (g) operating the automated banking machine to carry out at least one financial transaction.
21. A method comprising:
(a) operating at least one computer to cause at least one radiation emitter located adjacent a user interface of an automated transaction machine which includes at least one reader device operative to read data corresponding to financial accounts, to emit radiation,
wherein the at least one computer is in operative connection with at least one radiation sensor located adjacent the user interface;
(b) operating the at least one computer to obtain first data, wherein the first data corresponds to at least one radiation level sensed by the at least one radiation sensor while the radiation emitter was operating to emit radiation;
(c) operating the at least one computer to obtain second data, wherein the second data corresponds to at least one radiation level sensed by the at least one radiation sensor while the radiation emitter was not operating to emit radiation;
(d) operating the at least one computer to compare the first data and the second data; and
(e) operating the at least one computer responsive at least in part to a result of the comparison in (d), to cause the automated transaction machine to take at least one action.
22. The method according to claim 21 and further comprising:
wherein the at least one reader device includes a card reader, wherein the user interface includes a card reader slot, wherein the card reader slot is associated with the card reader,
wherein the at least one radiation emitter and the at least one radiation sensor are located adjacent the card reader slot,
wherein in (a) the at least one radiation emitter is caused to emit radiation adjacent to the card reader slot,
wherein in (b) the first data corresponds to at least one radiation level sensed adjacent to the card reader slot while the radiation emitter was operating to emit radiation,
wherein in (c) the second data corresponds to at least one radiation level sensed adjacent to the card reader slot while the radiation emitter was not operating to emit radiation.