Automated banking machine with noncontact reading of card data
View Patent ↗An automated banking machine can receive user card data from a cell phone. The phone stores the card data of several selectable cards, including electronic account number data. The machine generates and displays a random number correlated with a time period. A machine user manually inputs the displayed random number into their phone. The phone's banking software application encrypts the selected card's data along with the inputted random number data. The phone displays a bar code image containing the encrypted data. The machine includes a bar code reader which can read the displayed image. The machine causes the read data to be decrypted. The random number is used to verify the current transaction session. Thereafter, normal transaction flow can follow, including PIN input. The process replaces physical insertion of a card yet allows secure input of the card's data. Fraudulent activities requiring card insertion are also reduced.
1. Apparatus comprising:
an automated banking machine,
wherein the machine includes a user card insertion slot,
wherein the machine includes at least one card data reader,
wherein the at least one card data reader includes a magnetic stripe reader,
wherein the magnetic stripe reader is operative to read card data corresponding to user identifying information from a magnetic stripe of a user card at least partially inserted into the slot,
wherein the at least one card data reader includes an RFID tag reader,
wherein the RFID tag reader is operative to read card data corresponding to user identifying information from an RFID tag of a user card at least partially inserted into the slot,
at least one computer associated with the machine,
wherein the at least one computer is operative to control activation of the magnetic stripe reader and the RFID tag reader,
wherein order of activation between the magnetic stripe reader and the RFID tag reader is predetermined,
wherein the at least one computer is operative to cause card data read by at least one of the magnetic stripe reader and the RFID tag reader to be compared with information stored in at least one data store,
wherein the at least one computer is operative to enable a user transaction to be conducted responsive to card data read by at least one of the magnetic stripe reader and the RFID tag reader corresponding in the at least one data store to an authorized user of the machine.
2. The apparatus according to claim 1 wherein the at least one computer causes RFID tag reader device activation before magnetic stripe reader activation.
3. The apparatus according to claim 1 wherein the machine includes a writer device, wherein the at least one computer is operative to cause the writer device to write transaction receipt data to an RFID tag of a user card.
4. The apparatus according to claim 1 wherein the machine includes a user display and at least one currency dispenser.
5. Apparatus comprising:
an automated banking machine,
wherein the machine includes at least one reader,
wherein the at least one reader is operative to read a displayed encrypted image that includes a customer account number while the image is located outside of the machine,
wherein the at least one reader is operative to read an encrypted image including both the customer account number and a second number, wherein the second number differs from the customer account number,
at least one computer associated with the machine,
wherein the at least one computer is operative to carry out a transaction responsive at least in part to the read customer account number included in the image.
6. The apparatus according to claim 5 and further comprising a display device, wherein the display device is operative to display a random number enabling viewing thereof by a user of the machine.
7. The apparatus according to claim 6 wherein the machine is operative to carry out a transaction involving the customer account number responsive to a determination that the second number corresponds to the random number.
8. The apparatus according to claim 5 wherein the machine includes a user display and at least one currency dispenser.
9. Apparatus comprising:
an automated banking machine,
wherein the machine includes at least one reader,
wherein the at least one reader is operative to read a displayed encrypted image that includes a customer account number while the image is located outside of the machine,
wherein the at least one reader includes a barcode reader, and wherein the barcode reader is operative to read the displayed encrypted image,
at least one computer associated with the machine,
wherein the at least one computer is operative to carry out a transaction responsive at least in part to the read customer account number included in the image.
10. The apparatus according to claim 9
wherein the at least one reader includes a card reading device,
wherein the at least one computer is operative to cause card data read by the card reading device to be compared with information in a data store,
wherein the at least one reader includes a biometric reading device,
wherein the at least one computer is operative to cause biometric data read by the biometric reading device to be compared with information in a data store,
wherein a user is authorized to use the machine to carry out a transaction responsive to both
computer-determined correspondence between card data read by the card reading device and data store information, and
computer-determined correspondence between biometric data read by the biometric: reading device and data store information.
11. The apparatus according to claim 9 wherein the machine includes a user display and at least one currency dispenser.
12. An apparatus including:
an automated banking machine including at least one computer and at least one display device,
wherein the at least one computer is operative to cause a machine transaction code to be randomly generated and then displayed through the at least one display device enabling viewing of the code by a user of the automated banking machine.
13. The apparatus according to claim 12
wherein the machine includes at least one user input device,
wherein the at least one user input device is operative to receive a machine transaction code request from a user of the machine,
wherein the at least one computer is operative to cause the machine transaction code to be randomly generated and displayed responsive to receiving the code request.
14. The apparatus according to claim 13 wherein the machine includes a random code generator, wherein the random code generator is operative to generate the machine transaction code.
15. The apparatus according to claim 12 wherein the machine includes at least one cash dispenser device, wherein the at least one computer is operative to carry out a cash dispensing transaction involving the machine transaction code.
16. An apparatus including
a mobile communication device,
wherein the mobile communication device includes a display screen and memory,
wherein the memory stores a customer account number,
wherein the mobile communication device is operative to generate an image including encrypted data comprising both a transaction code and the customer account number,
wherein the mobile communication device is operative, to display the image on the display screen.
17. The apparatus according to claim 16 wherein the mobile communication device comprises a phone.
18. The apparatus according to claim 16 wherein the mobile communication device includes at least one manual input device, wherein the mobile communication device is operative to receive the transaction code through the at least one manual input device.
19. The apparatus according to claim 18 wherein the mobile communication device is operative to generate and display an encrypted image comprising a barcode, wherein the barcode includes both the transaction code and the customer account number.
20. A system including:
a cell phone,
wherein the phone includes a memory,
wherein the memory stores electronic card data,
wherein the card data includes at least one card account number,
wherein the phone includes a display screen,
wherein the phone is operative to cause a card account number from the memory to be displayed on the display screen in an encrypted format in an image,
an automated banking machine,
wherein the machine includes an image reader and a cash dispenser,
wherein the image reader is operative to read the image from the display screen,
wherein the machine is operative to carry out a transaction involving the card account number.
21. The apparatus according to claim 20
wherein the phone is operative to display an encrypted image including both the card account number and a randomly generated code.
22. The apparatus according to claim 21 wherein the machine is operative to randomly generate and output the code.
23. The apparatus according to claim 22 wherein the phone includes manual input buttons, wherein the phone is operative to receive manual input of the code via the buttons.
24. The apparatus according to claim 23
wherein the phone is operative to display the encrypted image as a barcode,
wherein the image reader comprises a barcode reader,
wherein the barcode reader is operative to read the barcode.