Banking system controlled responsive to data bearing records
View Patent ↗A card actuated automated banking machine ( 10 ) is operative to early out financial transactions responsive to data included on user cards. The banking machine includes a user interface ( 15 ) including a display ( 24 ). The user interface includes a card reader ( 16 ) which is operative to read data on user cards which identify at least one of user and a user's financial accounts. A fascia of the machine includes a keypad ( 404, 438, 458 ) through which users input confidential data. Covers ( 400, 422, 430 ) prevent unauthorized persons from viewing confidential inputs to the keypad. Authorization signals assure that the display is operating in a manner that provides appropriate user instructions. A visual indicator is operative to indicate to a user that keypad inputs are being encrypted. Alternatively a touch screen display module ( 608 ) is operative to securely receive manual inputs and/or card data.
1. Apparatus that operates responsive at least in part to data read from data bearing records, comprising:
an automated banking machine including:
a machine housing,
a card reader in the machine housing, wherein the card reader is operative to read card data from cards, wherein the card data corresponds to at least one financial account;
a cash dispenser in the machine housing;
a touch screen display module at least partly in the machine housing,
wherein the display module comprises an assembly of components,
wherein the components comprise at least one input device that is operable to receive manual inputs from users of the machine,
wherein the at least one input device includes a touch sensitive screen;
at least one terminal processor associated with the machine,
wherein the at least one terminal processor is in operative connection with the card reader, the cash dispenser, and the display module,
wherein the at least one terminal processor is operative to cause the automated banking machine to
operate the card reader to read card data from a user card of a user,
operate to cause a determination to be made that the card data read from the user card corresponds to a financial account on which a transaction may be conducted,
operate to cause the cash dispenser to dispense cash from the machine to the user, and
operate to cause the cash dispenser to dispense cash from the machine to the user, and
operate to cause the financial account corresponding to the card data to be assesses for cash dispensed;
wherein the touch screen display module includes at least one display module processor,
wherein the at least one display module processor is operative to cause the display module to output through the touch sensitive screen, a plurality of manually selectable outputs, and
wherein responsive to the display module receiving through the touch sensitive screen input data via manual input corresponding to a selectable output, the at least one display module processor is operative
to cause the display module to encrypt input data corresponding to the at least one manual input received, and to communicate the encrypted input data generated to the at least one terminal processor.
2. The apparatus according to claim 1
wherein the touch screen display module includes at least one display module data store,
wherein the at least one display module data store is in operative connection with the at least one display module processor,
wherein the at least one display module data store includes data corresponding to at least one encryption key,
wherein the at least one display module processor is operative to generate the encrypted input data responsive at least in part to the data corresponding to the at least one encryption key.
3. The apparatus according to claim 2
wherein the at least one display module data store includes a volatile memory,
wherein the housing encloses the at least one display module data store,
wherein the housing includes at least one sensor,
wherein the at least one sensor is operative to detect opening of the housing,
wherein the at least one sensor is in operative connection with the at least one display module data store,
wherein responsive at least in part to the at least one sensor detecting opening of the housing, the data corresponding to the at least one encryption key is caused to be erased from the at least one display module data store.
4. The apparatus according to claim 3 wherein the at least one sensor comprises at least one frangible electrical conductor.
5. The apparatus according to claim 4 wherein the at least one frangible electrical conductor is molded into the housing.
6. The apparatus according to claim 4 wherein the at least one sensor comprises electrically conductible material on a transparent pane.
7. The apparatus according to claim 3 wherein the housing includes a sealed unitary structure requiring breakage of the housing to access the at least one display module data store.
8. The apparatus according to claim 7 wherein the touch screen display module further includes a battery, and wherein the at least one display module data store is operatively electrically connected with the battery through the at least one sensor.
9. The apparatus according to claim 7 wherein the touch screen display module includes a resistance detecting touch sensitive screen.
10. The apparatus according to claim 7 wherein the touch screen display module includes a capacitance detecting touch sensitive screen.
11. The apparatus according to claim 7 wherein the touch screen display module includes an acoustic wave detecting touch sensitive screen.
12. The apparatus according to claim 7 wherein the at least one display module data store includes data corresponding to a Data Encryption Standard (DES) encryption key, and wherein the at least one display module processor is operative to generate the encrypted input data using the data corresponding to the DES encryption key.
13. Apparatus comprising:
an automated banking machine associated with at least one computer,
wherein the machine includes
at least one reader operable to read customer data usable to identify a financial account,
wherein the at least one computer is operable to cause operation of the card reader,
a cash dispenser operable to dispense cash,
wherein the at least one computer is operable to cause operation of the cash dispenser, and
a touch screen display module,
wherein the touch screen display module includes at least one touch screen,
wherein the at least one touch screen comprises at least one touch sensitive screen,
wherein the touch screen display module includes at least one display module processor,
wherein the at least one display module processor is operable to cause the at least one touch screen to output customer-selectable characters,
wherein the customer-selectable characters allow a customer to input personal identification data through the at least one touch screen,
wherein the at least one display module processor is configured to operate, responsive to receiving personal identification data inputted through the at least one touch screen, to encrypt personal identification data corresponding to the personal identification data received, and then communicate the encrypted personal identification data to the at least one computer.
14. The apparatus according to claim 13
wherein the customer-selectable characters allow the customer to input personal identification number (PIN) data through the at least one touch screen,
wherein the at least one display module processor is configured to operate, responsive to receiving PIN data inputted through the at least one touch screen, to
generate encrypted PIN data corresponding to the PIN data received, and then
communicate the encrypted PIN data to the at least one computer.
15. The apparatus according to claim 14 wherein the machine includes the at least one computer.
16. The apparatus according to claim 13
wherein the housing encloses at least one display module data store,
wherein the at least one display module data store includes data corresponding to at least one encryption key,
wherein the housing is associated with a security feature,
wherein the security feature causes the data corresponding to the at least one encryption key to be erased from the at least one data store, responsive at least in part to opening of the housing.
17. Apparatus comprising:
an automated banking machine associated with at least one computer,
wherein the machine includes
at least one reader operable to read customer data usable to identify a financial account,
wherein the at least one computer is operable to cause operation of the card reader,
a cash dispenser operable to dispense cash,
wherein the at least one computer is operable to cause operation of the cash dispenser, and
a touch screen display module,
wherein the touch screen display module includes at least one touch screen,
wherein the at least one touch screen comprises at least one touch sensitive screen,
wherein the touch screen display module includes a housing,
wherein the housing encloses at least one data store,
wherein the at least one data store includes data corresponding to at least one encryption key,
wherein the housing is associated with a security feature,
wherein the security feature causes the data corresponding to the at least one encryption key to be erased from the at least one data store, responsive at least in part to opening of the housing,
wherein the touch screen display module is operable to allow customers of the machine to provide inputs through the at least one touch screen,
wherein the touch screen display module includes at least one display module processor,
wherein the at least one display module processor is operable to receive through the at least one touch screen, customer inputs
wherein the at least one display module processor is configured to operate, responsive to receiving through the at least one touch screen, at least one customer input,
to encrypt the at least one customer input received using the data corresponding to the at least one encryption key, and
to cause the encrypted customer input to be communicated to the at least one computer.
18. The apparatus according to claim 17
wherein the at least one display module processor is operable to cause the at least one touch screen to output customer-selectable characters,
wherein the customer-selectable characters allow a customer to input personal identification data through the at least one touch screen,
wherein the at least one display module processor is configured to operate, responsive to receiving personal identification data inputted through the at least one touch screen, to
generate encrypted personal identification data corresponding to the personal identification data received, and then
communicate the encrypted personal identification data to the at least one computer.
19. The apparatus according to claim 17 wherein the machine includes the at least one computer, and wherein the housing encloses the at least one display module processor.
20. The apparatus according to claim 17 , further comprising
a secure input device coupled with the touch screen display module and the at least one computer, the secure input device is operative to provide for a secure key exchange between the touch screen display module and the at least one computer; and
an automated banking machine housing comprising a chest portion and an upper portion;
wherein the secure input device is located within the chest portion of the housing; and
wherein the touch screen display module and the terminal processor are located in an upper portion of the housing.