Banking system controlled responsive to data bearing records
View Patent ↗An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and the display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. Unauthorized observation of manual inputs to an input device is prevented through the use of nonvisible light emitters that prevent the observation of such inputs via an electronic camera interception device.
1. Method comprising:
(a) operating at least one data reader of an automated banking machine during a user session, to read user data associated with a financial account,
wherein the machine is operable to cause financial transfers responsive at least in part to data read from data bearing records,
wherein the machine includes at least one manual input device,
wherein the at least one manual input device includes a plurality of digit contact points,
wherein the machine includes a cash dispenser,
wherein the machine is associated with at least one processor that is in operative connection with the at least one data reader, the at least one manual input device, and the cash dispenser,
wherein the at least one processor is operative to cause:
the at least one data reader to read user data,
the at least one manual input device to receive at least one input,
a determination to be made that user data read by the at least one data reader is associated with an authorized financial account,
the cash dispenser to dispense cash, responsive at least in part to the determination and the at least one input, and
a financial account associated with the read user data to be assessed a value corresponding to an amount of cash dispensed,
wherein the machine includes at least one light emitter,
wherein the at least one light emitter is configured to emit light at a sufficient intensity to prevent an electronic camera from capturing images that show at least some digit contact with at least some of the plurality of digit contact points;
wherein the machine includes a cover that overlies at least some of the plurality of digit contact points, the cover having a top surface and a plurality of visual openings located on the top surface corresponding to the plurality of digit contact points; and
(b) operating the at least one light emitter during the user session to emit the light at the sufficient intensity during at least some digit contact with at least some of the plurality of digit contact points.
2. The method according to claim 1 wherein the at least one manual input device includes a keypad, wherein the keypad includes a plurality of keys,
wherein (b) includes operating the at least one light emitter to emit the light relative to the keypad.
3. The method according to claim 2 wherein the cover includes an inside surface in generally facing relation relative to the keys,
wherein (b) includes operating the at least one light emitter to emit the light towards the inside surface.
4. The method according to claim 2 wherein in (b) the at least one light emitter outputs nonvisible light.
5. The method according to claim 2 wherein in (b) the at least one light emitter outputs infrared light.
6. The method according to claim 5 wherein in (a) the at least one light emitter comprises a plurality of light emitters that output infrared light at the sufficient intensity at a plurality of different frequencies respectively.
7. The method according to claim 1 wherein the machine includes at least one actuator in operative connection with the cover, wherein the cover is comprised of movable material, and further comprising:
(c) operating the at least one actuator to move at least a portion of the cover.
8. The method according to claim 1
wherein the at least one manual input device includes a touch screen display module,
wherein the touch screen display module includes a touch screen,
wherein the touch screen display module is operable to receive inputs corresponding to finger contact with a surface of the touch screen,
wherein (b) includes operating the at least one light emitter to emit the light relative to the surface.
9. The method according to claim 1 wherein (b) includes operating the at least one light emitter to emit the light during the user session when the at least one manual input device is enabled to receive inputs.
10. The method according to claim 1 wherein the machine includes at least one sensor operative to sense light emitted from the at least one light emitter, and further comprising:
(c) responsive at least in part to the at least one sensor not sensing light emitted from the at least one light emitter, causing at least one output indicative of an abnormal condition.
11. The method according to claim 1 wherein the machine includes at least one sensor operative to sense level of intensity of light emitted from the at least one light emitter, and further comprising:
(c) responsive at least in part to the at least one sensor not sensing a predetermining level of intensity of light emitted from the at least one light emitter, causing at least one output indicative of an abnormal condition.
12. The method according to claim 1 , wherein the plurality of visual openings have a front end, the cover further comprises a plurality of louvers corresponding to the plurality of visual openings on the top of the cover; wherein the plurality of louvers extend downardly and rearwardly from the front end of the plurality of visual openings.
13. Method comprising:
(a) operating an automated banking machine during a user session,
wherein the machine is operable to cause financial transfers responsive at least in part to data read from data bearing records,
wherein the machine includes at least one reader, wherein the at least one reader is operative to read data from a data bearing records which corresponds to a financial account,
wherein the machine includes a manual input device, wherein the manual input device includes a plurality of digit contact points,
wherein the machine is associated with at least one processor that is in operative connection with the at least one reader and the manual input device,
wherein the at least one processor is operative to cause:
the at least one reader to read data,
the at least one manual input device to receive at least one input,
a determination to be made that data read by the at least one reader is associated with a financial account authorized to conduct a transaction through the machine, and
at least one of a credit or a debit to the financial account, responsive at least in part to the determination and the at least one input; and
wherein the machine includes a cover that overlies at least some of the plurality of digit contact points;
wherein the cover includes an inside surface generally facing the digit contact points
(b) operating at least one light emitter during the user session,
wherein the at least one light emitter is in operatively supposed connection with the machine,
wherein the at least one light emitter is configured to emit light at a sufficient intensity to prevent an electronic camera from capturing images showing at least one manual input through the manual input device,
wherein the operating causes the at least one light emitter to emit the light at the sufficient intensity, and
wherein the at least one light emitter emits the light towards the inside surface.
14. The method according to claim 13 wherein the at least one reader comprises a card reader, wherein the machine includes a currency dispenser,
wherein (a) includes at least one of:
(i) operating the card reader to read from a user card, card data that corresponds to a financial account; and
(ii) operating the currency dispenser to dispense currency from the machine.
15. The method according to claim 13 wherein the manual input device comprises a keypad,
wherein (b) includes operating the at least one light emitter to emit the light relative to the keypad.
16. The method according to claim 13 wherein the manual input device comprises a touch screen,
wherein (b) includes operating the at least one light emitter to emit the light relative to the touch screen.
17. Method comprising:
(a) operating at least one data reader of an automated banking machine during a user session, to read user data associated with a financial account,
wherein the machine is operable to cause financial transfers involving financial accounts,
wherein the machine includes a user input device,
wherein the user input device is operable to receive user input through manual contact therewith,
wherein the machine includes a plurality of light emitters that emit infrared light at a plurality of different frequencies respectively,
wherein the plurality of light emitters are operable to emit an image sensor-interfering intensity of light,
wherein the intensity of light is configured to interfere with an image sensor of an unauthorized camera positioned to capture images of manual contact with the user input device;
(b) operating the plurality of light emitters during at least a portion of the user session, to emit the image sensor-interfering intensity of light; and
(c) during at least a part of (b), operating the user input device to receive user input through manual contact therewith.
18. The method according to claim 17 wherein (c) includes operating the user input device to receive a personal identification number (PIN).
19. The method according to claim 18 wherein (b) includes operating the at least one light emitter only while user input of the PIN is expected.
20. The method according to claim 18 wherein the user input device comprises a keypad, wherein the keypad includes a plurality of keys,
wherein (c) includes operating the keypad to receive the PIN through the plurality of keys.
21. The method according to claim 18 wherein the user input device comprises a display module, wherein the display module includes a touch screen,
wherein (c) includes operating the display module to receive the PIN through the touch screen.