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 fraud devices. An anti-fraud sensing system is operative in the machine to sense the probable installation of unauthorized devices on the machine. Such unauthorized devices may include fraudulent card reading devices, fraudulent keypad input intercepting devices, cash outlet trap devices, and deposit input diversion devices.
1. Apparatus comprising:
an automated banking machine including:
at least one reader operable to read user data usable to identify a financial account,
a user interface,
at least one radiation output device adjacent the user interface,
wherein the at least one radiation output device is operable to intermittently generate radiation,
at least one radiation sensing device,
wherein the at least one radiation sensing device is operable to sense radiation generated by the at least one radiation output device,
wherein the at least one radiation sensing device is controllable to sense radiation only while the at least one radiation output device is generating radiation,
at least one processor,
wherein the at least one processor is configured to cause the machine to take at least one predetermined action associated with detection of an unauthorized device adjacent the user interface,
responsive at least in part to a positive determination that while the at least one radiation output device was generating radiation the at least one radiation sensing device sensed a level of radiation that exceeded a predetermined radiation level threshold.
2. The apparatus according to claim 1 wherein the automated banking machine is part of a banking system,
wherein the machine includes a cash dispenser,
wherein the at least one reader includes a card reader and a biometric reader,
wherein the at least one processor is operative to allow an authorized user to request a financial transaction involving the cash dispenser based at least in part on both
computer-determined correspondence between the read card data and stored card information, and
computer-determined correspondence between the read biometric data and stored biometric information,
wherein the at least one processor is operative to cause data corresponding to at least a portion of read user data to be sent in at least one first message to at least one remote computer remotely located from the machine,
wherein the at least one processor is operative to cause cash to be dispensed from the machine responsive at least in part to receipt of at least one second message from the at least one remote computer.
3. The apparatus according to claim 1 wherein the at least one radiation output device comprises at least one infrared emitter.
4. The apparatus according to claim 1
wherein the at least one radiation sensing device is operable to sense reflected radiation,
wherein the at least one processor is configured to determine whether reflected radiation sensed by the at least one radiation sensing device exceeds the predetermined threshold.
5. The apparatus according to claim 1 wherein the user interface includes at least one of:
(i) a card inlet slot, wherein the card inlet slot is associated with a card reader of the machine, wherein the at least one radiation output device is adjacent the card inlet slot, and wherein the at least one radiation sensing device is adjacent the card inlet slot;
(ii) a keypad, wherein the at least one radiation output device is adjacent the keypad, and wherein the at least one radiation sensing device is adjacent the keypad;
(iii) a cash outlet, wherein the cash outlet is associated with a cash dispenser of the machine, wherein the at least one radiation output device is adjacent the cash outlet, and wherein the at least one radiation sensing device is adjacent the cash outlet; and
(iv) a deposit item inlet, wherein the deposit item inlet is associated with a deposit acceptor of the machine, wherein the at least one radiation output device is adjacent the deposit item inlet, and wherein the at least one radiation sensing device is adjacent the deposit item inlet.
6. At least one computer readable medium comprising non-transitory computer executable instructions,
wherein the instructions,
when executed by at least one processor associated with an automated banking machine which
is operable responsive at least in part to data read from data bearing records, and
includes:
at least one reader operable to read user data usable to identify a financial account,
a user interface,
at least one radiation output device adjacent the user interface,
wherein the at least one radiation output device is operable to intermittently generate radiation, and
at least one radiation sensing device,
wherein the at least one radiation sensing device is controllable to sense radiation only while the at least one radiation output device is generating radiation;
cause the at least one processor to carry out a method comprising:
(a) operating the at least one processor to cause the at least one radiation sensing device to sense radiation only while the at least one radiation output device is generating radiation;
(b) operating the at least one processor to determine whether a level of radiation sensed in (a) exceeds a predetermined radiation level threshold; and
(c) operating the at least one processor to either:
(ci) cause the machine to take at least one predetermined action associated with detection of an authorized device adjacent the user interface, responsive at least in part to a positive determination in (b); or
(cii) cause the at least one action not to be taken, responsive at least in part to a negative determination in (b).
7. The at least one computer readable medium according to claim 6 wherein the method further comprises:
(d) operating the at least one processor to cause the at least one radiation output device to intermittently generate radiation.
8. The at least one computer readable medium according to claim 7 wherein the at least one radiation output device comprises at least one infrared emitter,
wherein (d) includes operating the at least one processor to cause the at least one infrared emitter to intermittently generate infrared radiation.
9. The at least one computer readable medium according to claim 6 wherein the at least one radiation sensing device is operable to sense reflected radiation, wherein (a) includes causing the at least one radiation sensing device to sense reflected radiation, and (b) includes determining whether a level of reflected radiation sensed in (a) exceeds the predetermined radiation level threshold.
10. The at least one computer readable medium according to claim 6 wherein (a) includes at least one of:
(a1) sensing radiation adjacent a card inlet slot of the user interface, wherein the card inlet slot is associated with a card reader of the machine;
(a2) sensing radiation adjacent a keypad of the user interface;
(a3) sensing radiation adjacent a cash outlet of the user interface, wherein the cash outlet is associated with a cash dispenser of the machine; and
(a4) sensing radiation adjacent a deposit item inlet of the user interface, wherein the deposit item inlet is associated with a deposit acceptor of the machine.
11. At least one computer readable medium comprising non-transitory computer executable instructions,
wherein the instructions,
when executed by at least one processor associated with an automated banking machine which
is operable responsive at least in part to data read from data bearing records, and
includes:
at least one reader operable to read user data usable to identify a financial account,
a user interface,
at least one radiation output device adjacent the user interface, and
at least one radiation sensing device;
cause the at least one processor to carry out a method comprising:
(a) operating the at least one processor to cause the at least one radiation output device to intermittently generate radiation,
wherein the at least one radiation sensing device is operable to sense the radiation generated;
(b) operating the at least one processor to determine whether a level of radiation sensed by the at least one radiation sensing device exceeds a predetermined threshold; and
(c) operating the at least one processor to either
(ci) cause at least one action associated with an abnormal condition of the machine to be taken, responsive at least in part to a positive determination in (b); or
(cii) cause the at least one action not to be taken, responsive at least in part to a negative determination in (b).
12. The at least one computer readable medium according to claim 11 wherein the automated banking machine is part of a banking system,
wherein the machine includes the at least one processor,
wherein the machine includes a cash dispenser,
wherein the at least one reader includes at least one of a card reader and a biometric reader,
wherein the method further comprises:
(d) operating the at least one processor to cause the at least one of a card reader and a biometric reader to read user data
(e) operating the at least one processor to cause data corresponding to at least a portion of the user data read in (d) to be sent in at least one first message to a host computer remotely located from the machine; and
(f) operating the at least one processor to allow cash to be dispensed by the cash dispenser, responsive at least in part to the at least one processor receiving from the host computer, of at least one second message which authorizes the user to carry out a financial transaction involving the cash dispenser based at least in part on correspondence between
user data read by the at least one of a card reader and a biometric reader, and
user information stored in a data store.
13. The at least one computer readable medium according to claim 11 wherein the abnormal condition corresponds to the possible presence of a unauthorized device adjacent the machine,
wherein (ci) includes causing the at least one action to be taken responsive at least in part to a determination that an unauthorized device is adjacent the machine.
14. The at least one computer readable medium according to claim 11 wherein the at least one radiation output device comprises at least one infrared emitter,
wherein (a) includes operating the at least one processor to cause the at least one infrared emitter to intermittently generate infrared radiation.
15. The at least one computer readable medium according to claim 11 wherein the method further comprises:
(d) operating the at least one processor to cause the at least one radiation sensing device to only sense radiation while the at least one radiation output device is generating radiation; and
(e) operating the at least one processor to receive at least signal corresponding to radiation sensed by the at least one radiation sensing device.
16. The at least one computer readable medium according to claim 15 wherein the at least one radiation sensing device is operable to sense reflected radiation,
wherein (b) includes operating the at least one processor to determine whether reflected radiation sensed by the at least one radiation sensing device exceeds the predetermined threshold.
17. The at least one computer readable medium according to claim 15 wherein the at least one reader includes a card reader, wherein the user interface includes a card reader slot, and wherein the at least one radiation output device is adjacent the card reader slot,
wherein (a) includes operating at least one processor to cause the at least one radiation output device to intermittently generate radiation adjacent the card reader slot.
18. The at least one computer readable medium according to claim 15 wherein the user interface includes a keypad, and wherein the at least one radiation output device is adjacent the keypad,
wherein (a) includes operating at least one processor to cause the at least one radiation output device to intermittently generate radiation adjacent the keypad.
19. The at least one computer readable medium according to claim 15 wherein the machine includes a cash dispenser, wherein the user interface includes a cash outlet in operative connection with the cash dispenser, and wherein the at least one radiation output device is adjacent the cash outlet,
wherein (a) includes operating at least one processor to cause the at least one radiation output device to intermittently generate radiation adjacent the cash outlet.
20. The at least one computer readable medium according to claim 15 wherein the user interface includes .a deposit item inlet operative to receive deposit items, and wherein the at least one radiation output device is adjacent the deposit item inlet,
wherein (a) includes operating at least one processor to cause the at least one radiation output device to intermittently generate radiation adjacent the deposit item inlet.
21. Apparatus comprising:
a fraud detection arrangement adapted for use in detecting an unauthorized card data reading device located adjacent a card entry slot of a transaction terminal which includes a display and a card reader associated with the card entry slot, and which is operable to cause financial transfers involving financial accounts responsive at least in part to the card reader reading from data bearing records user data that is usable to identify the financial accounts,
wherein the fraud detection arrangement includes at least one radiation output device operable to generate radiation,
wherein the fraud detection arrangement includes at least one radiation sensing device operable to sense radiation generated by the at least one radiation output device,
wherein the fraud detection arrangement includes at least one processor operatively connected with both the at least one radiation output device and the at least one radiation sensing device,
wherein the at least one processor is operable to cause the at least one radiation output device to intermittently generate radiation,
wherein the at least one processor is operable to receive at least signal corresponding to radiation sensed by the at least one radiation sensing device,
wherein the at least one processor is operable to determine responsive at least in part to the at least signal received, whether a level of radiation sensed by the at least one radiation sensing device exceeds a predetermined threshold,
wherein the at least one processor is configured to cause at least one predetermined action associated with interfering with unauthorized card data reading device operation, responsive at least in part to a positive determination,
wherein the fraud detection arrangement includes at least one signal emitter operable to emit interfering signals,
wherein the at least one signal emitter is operatively connected with the at least one processor,
wherein the at least one processor is operable to cause the at least one signal emitter to emit the interfering signals,
wherein the at least one predetermined action includes causing the at least one signal emitter to emit the interfering signals.
22. The apparatus according to claim 21 wherein the transaction terminal comprises an automated banking machine which includes a cash dispenser, wherein the machine is operable to cause operation of the cash dispenser responsive at least in part to receipt of at least one message from at least one remote computer.
23. The apparatus according to claim 22 wherein the fraud detection arrangement is part of the machine, wherein the machine includes the at least one processor, and wherein the at least one processor is operatively connected with the card reader and the cash dispenser.
24. The apparatus according to claim 21 wherein the at least one processor is operable to cause the at least one radiation sensing device to only sense radiation while the at least one radiation output device is generating radiation.