Automated banking machine operated responsive to data bearing records and with improved resistance to fraud
View Patent ↗An automated banking machine has sensing devices adjacent a card reader slot. The sensing devices enable detection of a fraudulent card reading device.
1. A method carried out through operation of an automated banking machine, wherein the automated banking machine includes a card reader and a card reader slot, wherein the automated banking machine is operable responsive to data read from data bearing cards, comprising:
(a) operating the automated banking machine to sense opening of a shutter located adjacent to entrance to the card reader slot, wherein the shutter is movable between an open position and a closed position, wherein opening of the shutter allows a card to move into the card reader slot; and
(b) responsive at least in part to absence of the card reader reading a card within a defined time after (a), operating the automated banking machine to take at least one action associated with detection of potential installation of an unauthorized criminal device.
2. The method according to claim 1
wherein the automated banking machine includes at least one sensor, wherein the at least one sensor is operative to sense opening of the shutter,
wherein the automated banking machine includes at least one computer,
wherein the at least one computer is operative to determine whether the card reader read a card within a defined time after the at least one sensor sensed opening of the shutter,
wherein the at least one computer is operative to cause at least one action associated with detection of potential installation of an unauthorized reader apparatus, responsive at least in part to determined absence of the card reader reading a card within the defined time after the at least one sensor sensed opening of the shutter,
wherein (b) includes operating the at least one computer to carry out at least one action indicative of the presence of an unauthorized reader apparatus.
3. The method according to claim 2 wherein the machine includes a user display device, wherein in (b) the at least one action comprises causing to be displayed through the user display device, at least one output requesting machine user input regarding visual appearance of the machine.
4. The method according to claim 3 wherein in (b) the at least one action comprises prompting a machine user through the user display device to provide at least one input indicating whether an item adjacent to the card reader slot is visible to the machine user.
5. The method according to claim 3 wherein the machine includes an illuminating device adjacent to the card reader slot, wherein in (b) the at least one action comprises prompting a machine user through the user display device whether the illuminating device is visible.
6. The method according to claim 2 wherein the machine includes a fascia and at least one camera, wherein in (b) the at least one action comprises causing the at least one camera to capture at least one image of at least a portion of the fascia.
7. The method according to claim 2 wherein the machine includes a user display device, wherein in (b) the at least one action comprises causing at least one warning message to be displayed through the user display device.
8. The method according to claim 2 wherein in (b) the at least one action comprises causing an alert message to be sent from the machine through a network.
9. The method according to claim 2 wherein in (b) the at least one action comprises writing data to a user card received by the machine to cause the user card to be unusable to carry out transactions with the machine without the data.
10. The method according to claim 2 wherein the machine includes a cash dispenser, and further comprising:
(c) subsequent to (b), operating the cash dispenser to dispense cash to a machine user.
11. The method according to claim 2 wherein the machine includes at least one radiation emitter, wherein the machine includes at least one radiation sensor operative to sense radiation emitted from the at least one radiation emitter;
wherein in (b) the at least one action comprises operating the at least one radiation emitter to emit radiation,
and further comprising:
(c) analyzing an amount of radiation emitted in (b) that was sensed by the at least one radiation sensor; and
(d) operating the at least one computer to determine presence of an unauthorized card reader adjacent the card reader slot responsive to the analyzing in (c).
12. The method according to claim 2 wherein in (b) the at least one action comprises operating the at least one computer to determine presence of an unauthorized radio frequency (RF) reading apparatus.
13. Apparatus comprising:
an automated banking machine operable responsive to data read from data bearing cards, including:
a card reader,
a card reader slot,
a shutter located adjacent to entrance to the card reader slot, wherein the shutter is movable between an open position and a closed position, wherein opening of the shutter allows a card to move into the card reader slot,
wherein the automated banking machine is operative to sense opening of the shutter,
wherein the automated banking machine is operative to take at least one action associated with detection of potential installation of an unauthorized criminal device, responsive at least in part to absence of the card reader reading a card within a defined time after sensed opening of the shutter.
14. The apparatus according to claim 13
wherein the card reader is operative to read data from cards,
wherein the card reader slot is associated with the card reader,
wherein the machine further includes
at least one sensor, wherein the at least one sensor is operative to sense opening of the shutter,
at least one computer,
wherein the at least one computer is operative to determine whether the card reader read a card within a defined time after the at least one sensor sensed opening of the shutter,
wherein the at least one computer is operative to cause at least one action associated with detection of potential installation of an unauthorized reader apparatus, responsive at least in part to determined absence of the card reader reading a card within the defined time after the at least one sensor sensed opening of the shutter.
15. The apparatus according to claim 14 wherein the machine includes a user display device, wherein the at least one computer is operative to cause to be displayed through the user display device responsive at least in part to the determined absence, at least one output requesting machine user input regarding visual appearance of the machine.
16. The apparatus according to claim 14 wherein the machine includes a fascia and at least one camera, wherein the at least one computer is operative to cause the at least one camera to capture at least one image of at least a portion of the fascia, responsive at least in part to the determined absence.
17. At least one article including computer executable instructions operative to cause at least one computer of an automated banking machine including a card reader and a card reader slot and being operable responsive to data read from data bearing cards, to carry out a method comprising:
(a) operating the automated banking machine to sense opening of a shutter located adjacent to entrance to the card reader slot, wherein the shutter is movable between an open position and a closed position, wherein opening of the shutter allows a user card to move into the card reader slot; and
(b) responsive at least in part to absence of the card reader reading a card within a defined time after (a), operating the automated banking machine to take at least one action associated with detection of potential installation of an unauthorized criminal device.
18. The at least one article according to claim 17
wherein the automated banking machine includes at least one sensor, wherein the at least one sensor is operative to sense opening of the shutter,
wherein the automated banking machine includes at least one computer,
wherein the at least one computer is operative to determine whether the card reader read a user card within a defined time after the at least one sensor sensed opening of the shutter,
wherein the at least one computer is operative to cause at least one action associated with detection of potential installation of an unauthorized reader apparatus, responsive at least in part to determined absence of the card reader reading a user card within a defined time after the at least one sensor sensed opening of the shutter,
wherein (b) includes operating the at least one computer to carry out at least one action indicative of the presence of an unauthorized reader apparatus.
19. The at least one article according to claim 18 wherein the machine includes a user display device, wherein in (b) the at least one action comprises the at least one computer causing to be displayed through the display device, at least one output requesting machine user input regarding visual appearance of the machine.
20. The at least one article according to claim 18 wherein the machine includes a fascia and at least one camera, wherein in (b) the at least one action comprises the at least one computer causing the at least one camera to capture at least one image of at least a portion of the fascia.