Granted Patent B2

US 8,925,801 · App. 14/011,115 · Granted Jan 6, 2015

Abstract

Claims (50)

1. An apparatus, comprising:

an input device;

a processor communicatively coupled with the input device;

the processor is operable to employ asymmetric encryption cryptography to provision the input device with a terminal master key;

the processor is operable to employ a symmetric encryption cryptography algorithm using the terminal master key to transfer a communication key to the input device;

the processor is operable to obtain data representative of a financial account;

the processor is operable to receive data representative of a personal identification number for authorizing a financial transaction with the financial account from the input device, wherein the data representative of the personal identification number is encrypted with the communication key; and the processor is operable to determine whether a financial transaction with the financial account is authorized based on the data representative of the personal identification number received from the input device.

2. The apparatus set forth in claim 1 , further comprising a cash dispenser;

wherein the financial transaction comprises data representative of an amount of cash; and

wherein the processor is operable to enable the cash dispenser to dispense the amount of cash responsive to determining the financial transaction is authorized.

3. The apparatus set forth in claim 1 , wherein the input device comprises a keypad; and

wherein the input representative of the personal identification number is received via the keypad.

4. The apparatus set forth in claim 1 , further comprising a card reader that is communicatively coupled with the processor;

wherein the processor is operable to obtain the data representative of the financial account based on data received from the card reader.

5. The apparatus set forth in claim 1 , wherein the processor is operable to receive data representative of a random number from the input device; and

wherein the processor is operable to send the random number with the terminal master key.

6. The apparatus set forth in claim 1 , wherein the processor is operable to sign the terminal master key with a digital signature.

7. The apparatus set forth in claim 1 , wherein the processor is operable to receive an acknowledgement from the input device indicating the communication key has been successfully transferred.

8. The apparatus set forth in claim 1 , wherein the processor is located remotely from the input device, the apparatus further comprising a second processor located locally to the input device, wherein the second processor is communicatively coupled with the input device and the first processor.

9. The apparatus set forth in claim 8 , wherein the first processor sends a signal to the second processor indicating that the financial transaction is authorized.

10. The apparatus set forth in claim 1 , wherein the processor is located remotely from the input device; and,

wherein the processor is communicatively coupled with a plurality of input devices at a plurality of locations.

11. The apparatus set forth in claim 10 , wherein the processor establishes a plurality of communication keys corresponding to the plurality of input devices; and.

wherein the processor employs a communication key corresponding to a selected one of the plurality of input devices for communicating with the selected one of the plurality of input devices.

12. The apparatus set forth in claim 10 , wherein the processor establishes a plurality of terminal master keys corresponding to the plurality of input devices; and

wherein the processor employs a terminal master key corresponding to a selected one of the plurality of input devices to provision the selected one of the plurality of input devices with a communication key.

13. A non-transitory, tangible computer readable medium of instructions comprising instructions for execution by a processor, and when executed operable to:

employ asymmetric encryption to provision an input device with a terminal master key;

employ the terminal master key with a symmetric encryption cryptography algorithm to transfer a communication key to the input device;

obtain data representative of a financial account;

receive data representative of a personal identification number for authorizing a financial transaction with the financial account from the input device, wherein the data representative of the personal identification number is encrypted with the communication key;

receive a request for a financial transaction associated with the financial account via the input device; and

determine whether the financial transaction is authorized based on the data representative of the personal identification number received from the input device.

14. The computer readable medium of instructions set forth in claim 13 , wherein the financial transaction comprises data representative of an amount of cash; and

wherein the processor is operable to signal a cash dispenser to dispense the amount of cash responsive to authorizing the financial transaction based on the personal identification number received from the input device.

15. The computer readable medium of instructions set forth in claim 13 , wherein the input device comprises a keypad; and

wherein the input representative of the personal identification number is received via the keypad.

16. The computer readable medium of instructions set forth in claim 13 , further operable to receive data from a card reader; and

wherein the instructions are further operable to obtain the data representative of the financial account based on data received from the card reader.

17. The computer readable medium of instructions set forth in claim 13 , wherein the instructions are further operable to receive data representative of a random number from the input device; and

wherein the instructions are operable to send the random number with the terminal master key.

18. The computer readable medium of instructions set forth in claim 13 , wherein the instructions are further operable to sign the terminal master key with a digital signature.

19. A method, comprising:

provisioning an input device with a terminal master key using asymmetric encryption;

transferring a communication key to the input device employing the terminal master key using a symmetric encryption cryptography algorithm;

obtaining data representative of a financial account;

receiving data representative of a personal identification number for authorizing a financial transaction with the financial account from the input device, wherein the data representative of the personal identification number is encrypted with the communication key;

receiving a request for a financial transaction associated with the financial account via the input device; and

determining, by a processor, whether the financial transaction is authorized based on the data representative of the personal identification number received from the input device.

20. The method set forth in claim 19 , wherein the financial transaction comprises data representative of an amount of cash, the method further comprising signaling a cash dispenser to dispense the amount of cash responsive to authorizing the financial transaction based on the personal identification number received from the input device.

Assignments (24)