Automated banking machine operated responsive to data bearing records with improved resistance to fraud
View Patent ↗A banking system machine is controlled responsive to data read from data bearing records. The machine includes a card reader, a keypad, a cash dispenser, a cash outlet, a deposit accepting opening, and other transaction locations that may be susceptible to the installation of fraudulent devices adjacent thereto. Such unauthorized devices may include for example, a fraudulent card reading device, a fraudulent keypad input intercepting device, a cash outlet trap device, a deposit input diversion device, or other illegitimate devices. The machine includes an anti-fraud arrangement that is operative to deter the attachment of unauthorized devices to the machine. The arrangement can sense and/or dislodge an unauthorized device attached to the machine. The arrangement also allows for the machine's card slot bezel to be frequently exchanged for a differently contoured card slot bezel.
1. Apparatus comprising:
an automated banking machine operable responsive at least in part to data read from data bearing records,
wherein the machine includes a card reader,
wherein the card reader is operable to read from a card, card data that corresponds to a financial account,
wherein the machine includes a cash dispenser,
wherein the cash dispenser is operable to dispense cash from the machine to an authorized user of the machine during a cash dispense transaction,
wherein the machine includes a removable bezel,
wherein the bezel includes a card slot,
wherein the bezel includes bezel data,
wherein the bezel data is usable to identify the bezel as a bezel authorized for use with the machine,
wherein the machine includes a bezel support arrangement,
wherein the bezel support arrangement removably supports the bezel at a location adjacent to the card reader,
wherein the location allows a card inserted into the card slot to be received by the card reader,
wherein the machine includes at least one bezel sensor,
wherein the at least one bezel sensor includes a wireless data reader,
wherein the wireless data reader is operable to wirelessly read the bezel data when the bezel is at the location.
2. The apparatus according to claim 1 wherein the machine is part of a banking system that includes a plurality of cash dispensing automated banking machines,
wherein the machine includes a biometric reader,
wherein the machine includes at least one processor,
wherein the at least one processor is operative during a user transaction session to:
cause card data to be read through operation of the card reader, and
cause biometric data to be read through operation of the biometric reader,
wherein the at least one processor is operative to authorize a machine user to request a cash dispense transaction responsive at least in part to each of:
computer-determined correspondence between the read card data and stored card information,
computer-determined correspondence between the read biometric data and stored biometric information, and
computer-determined correspondence between the read card data and the read biometric data.
3. The apparatus according to claim 1 wherein the bezel is operable to transmit the bezel data, wherein the wireless data reader is operable to wirelessly receive the bezel data transmitted by the bezel.
4. Apparatus comprising:
an automated banking machine operable responsive at least in part to data read from data bearing records,
wherein the machine includes a card reader,
wherein the card reader is operable to read card data that corresponds to financial accounts,
wherein the machine includes a cash dispenser,
wherein the cash dispenser is operable to dispense cash from the machine to an authorized user of the machine during a cash dispense transaction,
wherein the machine includes a bezel support arrangement,
wherein the machine includes a bezel,
wherein the bezel includes a card slot,
wherein the bezel is in an aligned position that allows the card reader to receive a card inserted into the card slot,
wherein the bezel is removably supported by the bezel support arrangement,
wherein the machine includes at least one bezel sensor,
wherein the at least one bezel sensor is operable to sense when the bezel is in the aligned position.
5. The apparatus according to claim 4 wherein the machine is part of a banking system that includes a plurality of cash dispensing automated banking machines,
wherein the machine includes a biometric reader,
wherein the machine includes at least one processor,
wherein the at least one processor is operative during a user transaction session to:
cause card data to be read through operation of the card reader, and
cause biometric data to be read through operation of the biometric reader,
wherein the at least one processor is operative to authorize a machine user to request a cash dispense transaction responsive at least in part to each of:
computer-determined correspondence between the read card data and stored card information,
computer-determined correspondence between the read biometric data and stored biometric information, and
computer-determined correspondence between the read card data and the read biometric data.
6. The apparatus according to claim 4
wherein the machine includes a fascia,
wherein the fascia includes the bezel,
wherein the machine includes a plurality of members located adjacent the card slot,
wherein each respective member is movable between a home position and an outward position,
wherein in the outward position, an outermost portion of the respective member is located outward from the fascia,
wherein in the home position, the outermost portion of the respective member is not located outward from the fascia,
wherein the machine includes at least one drive device,
wherein the at least one drive device is in operative connection with the plurality of members,
wherein the at least one drive device is operable to move each respective member between the home position and the outward position,
wherein the at least one drive device is operable to extend the respective member outwardly from the home position,
wherein the at least one drive device is operable to retract the respective member inwardly from the outward position,
wherein the machine is associated with at least one processor,
wherein the at least one processor is operable to control operation of the at least one drive device.
7. The apparatus according to claim 4 wherein the at least one bezel sensor includes a proximity sensor.
8. The apparatus according to claim 4
wherein the bezel includes bezel data,
wherein the bezel data is usable to identify the bezel as a bezel authorized for use with the machine,
wherein the at least one bezel sensor includes a wireless data reader,
wherein the wireless data reader is operable to wirelessly read the bezel data.
9. The apparatus according to claim 8 wherein the bezel is operable to transmit the bezel data, wherein the wireless data reader is operable to wirelessly receive the bezel data transmitted by the bezel.
10. The apparatus according to claim 4 wherein the at least one bezel sensor is associated with at least one processor,
wherein the at least one processor is operable to determine based at least in part on at least one sensing by the at least one bezel sensor, whether the bezel has been removed from the bezel support arrangement.
11. The apparatus according to claim 4 wherein the machine includes a user display, wherein the bezel includes a bezel display,
wherein the machine is associated with at least one processor,
wherein the at least one processor is operable to cause a first code to be simultaneously commonly displayed by both the user display and the bezel display,
wherein the at least one processor is operable to cause a second code to be simultaneously commonly displayed by both the user display and the bezel display,
wherein the second code differs from the first code.
12. The apparatus according to claim 4
wherein the machine includes a card imager,
wherein the card imager is operable to capture at least one image of a card,
wherein the at least one image includes account number data,
wherein the card reader includes a magnetic stripe reader,
wherein the magnetic stripe reader is operable to read from a magnetic stripe of a card, card account data that relates to a financial account,
wherein the machine includes at least one processor,
wherein the at least one processor is operable to read the account number data from the at least one image captured by the card imager,
wherein the at least one processor is operable to determine whether the account number data read from the at least one image substantially corresponds to the financial account that relates to the card account data read by the magnetic stripe reader.
13. Apparatus comprising:
an automated banking machine,
wherein the machine includes a card reader,
wherein the card reader is operable to read from a card, card data that corresponds to a financial account,
wherein the machine includes a cash dispenser,
wherein the cash dispenser is operable to dispense cash from the machine to an authorized user of the machine during a cash dispense transaction,
wherein the machine includes a removable bezel that includes a card entry slot,
wherein the machine includes a bezel support arrangement,
wherein the bezel support arrangement removably supports the bezel at a location adjacent to the card reader,
wherein the location allows a card inserted into the card entry slot to be received by the card reader,
wherein the machine includes at least one bezel sensor,
wherein the at least one bezel sensor is operable to sense the bezel at the location,
wherein the machine includes at least one processor,
wherein the at least one processor is in operative connection with the at least one bezel sensor,
wherein the at least one processor is operable to determine based at least in part on operation of the at least one bezel sensor, whether the bezel has been removed from the location.
14. The apparatus according to claim 13 wherein the machine is part of a banking system that includes a plurality of cash dispensing automated banking machines,
wherein the machine includes a biometric reader,
wherein the at least one processor is operative during a user transaction session to:
cause card data to be read through operation of the card reader, and
cause biometric data to be read through operation of the biometric reader,
wherein the at least one processor is operative to authorize a machine user to request a cash dispense transaction responsive at least in part to each of:
computer-determined correspondence between the read card data and stored card information,
computer-determined correspondence between the read biometric data and stored biometric information, and
computer-determined correspondence between the read card data and the read biometric data.
15. The apparatus according to claim 13
wherein the bezel includes bezel data,
wherein the bezel data is usable to identify the bezel as a bezel authorized for use with the machine,
wherein the at least one bezel sensor includes a wireless data reader,
wherein the wireless data reader is operable to wirelessly read the bezel data.
16. The apparatus according to claim 15 wherein the bezel is operable to transmit the bezel data, wherein the wireless data reader is operable to wirelessly receive the bezel data transmitted by the bezel.
17. The apparatus according to claim 13 wherein the machine includes a fascia, wherein the fascia includes the bezel,
wherein the machine includes a plurality of members located adjacent the card entry slot,
wherein each respective member is movable between a home position and an outward position,
wherein in the outward position, an outermost portion of the respective member is located outward from the fascia,
wherein in the home position, the outermost portion of the respective member is not located outward from the fascia,
wherein the machine includes at least one drive device,
wherein the at least one drive device is in operative connection with the plurality of members,
wherein the at least one drive device is operable to move each respective member between the home position and the outward position,
wherein the at least one drive device is operable to extend the respective member outwardly from the home position,
wherein the at least one drive device is operable to retract the respective member inwardly from the outward position,
wherein the at least one processor is operable to control operation of the at least one drive device.
18. The apparatus according to claim 13
wherein the location is an aligned position that aligns the card entry slot with the card reader,
wherein the at least one processor is operable to determine based at least in part on operation of the at least one bezel sensor, whether the bezel is in the aligned position.
19. The apparatus according to claim 13 wherein the machine includes a user display, wherein the bezel includes a bezel display,
wherein the at least one processor is operable to cause a first code to be simultaneously commonly displayed by both the user display and the bezel display,
wherein the at least one processor is operable to cause a second code to be simultaneously commonly displayed by both the user display and the bezel display,
wherein the second code differs from the first code.
20. The apparatus according to claim 13
wherein the machine includes a card imager,
wherein the card imager is operable to capture at least one image of a card,
wherein the at least one image includes account number data,
wherein the card reader includes a magnetic stripe reader,
wherein the magnetic stripe reader is operable to read from a magnetic stripe of a card, card account data that relates to a financial account,
wherein the at least one processor is operable to read the account number data from the at least one image captured by the card imager,
wherein the at least one processor is operable to determine whether the account number data read from the at least one image substantially corresponds to the financial account that relates to the card account data read by the magnetic stripe reader.