# US 8,540,142 B1 · Banking machine controlled responsive to data read from data bearing records

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- Number: US 8,540,142 B1
- Document ID: US8540142B1
- Status: Granted
- Kind: B1
- Application number: 13/404,617
- Filed: 2012-02-24
- Granted: 2013-09-24
- Earliest claimed: 2005-12-20
- Assignees: Diebold Self-Service Systems
- Applicants: David N. Lewis; Jeffery M. Enright; Natarajan Ramachandran; Mark A. Douglass; Tim Crews; Songtao Ma; Randall W. Jenkins; H. Thomas Graef; Sathish M. Irudayam; Klaus Steinbach
- Inventors: David N. Lewis; Jeffery M. Enright; Natarajan Ramachandran; Mark A. Douglass; Tim Crews; Songtao Ma; Randall W. Jenkins; H. Thomas Graef; Sathish M. Irudayam; Klaus Steinbach
- Web page: https://patentgrep.com/patent/US8540142B1

## CPC

- G07F 19/20: {Automatic teller machines [ATMs]}
- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G07F 7/1033: {Details of the PIN pad}
- G07F 7/1091: {Use of an encrypted form of the PIN}
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The machine also includes a PIN keypad. The card reader can send encrypted card data to the keypad. The keypad can decipher the encrypted card data. The keypad can encrypt both deciphered card data and a received user PIN. The card data and the PIN are usable by the machine to authorize a user to carry out a financial transfer involving the account.

## Claims

### Claim 1

Apparatus comprising:
an automated banking machine controlled responsive at least in part by data bearing records,
wherein the machine is usable to carry out financial transactions,
wherein the machine includes a cash dispenser,
wherein the cash dispenser is operable to selectively dispense cash stored in the machine to authorized machine users,
wherein the machine includes a user interface,
wherein the user interface includes a card insertion slot,
wherein the slot is sized to receive a card comprising a magnetic stripe,
wherein the machine includes a plurality of input devices,
wherein the plurality of input devices include at least one reader,
wherein the at least one reader includes a card reader arranged adjacent the slot,
wherein the card reader is operable to receive a card from a user of the machine,
wherein the card reader includes at least one magnetic read head,
wherein the at least one magnetic read head is operable to read an account number from a magnetic stripe of a card,
wherein the card reader includes at least one card reader processor,
wherein the at least one card reader processor is operable to encrypt an account number read by the at least one magnetic read head,
wherein the plurality of input devices include an encrypting pin pad (EPP),
wherein the EPP is operable to receive a personal identification number (PIN) from the user,
wherein the EPP includes at least one EPP processor,
wherein the at least one EPP processor is operable to encrypt a user PIN received by the EPP,
wherein the machine includes a machine controller,
wherein the machine controller comprises at least one computer,
wherein the machine controller is in operative connection with the plurality of input devices,
wherein the machine controller is operable to cause an account number encrypted by the card reader to be communicated to the EPP,
wherein the EPP is operable to
decipher an account number encrypted by the card reader processor, and then
encrypt the deciphered account number,
wherein the machine controller is operable to cause at least one message to be sent to a transaction host system including at least one host computer,
wherein the at least one message includes
a PIN encrypted by the EPP, and
an account number encrypted by the EPP,
wherein the machine controller is operable to cause the cash dispenser to dispense cash in carrying out a cash dispense transaction requested by the user, responsive at least in part to host computer-determined correspondence between the PIN and the account number in the at least one message,
wherein the machine controller is operable to cause a financial account corresponding to the account number to be assessed a value associated with an amount of cash dispensed in the cash dispense transaction.

### Claim 2 (depends on 1)

The apparatus according to claim 1 wherein the automated banking machine is part of a banking system,
wherein the at least one reader includes both the card reader and a biometric reader,
wherein the machine controller is operative during a user transaction session to
cause read card data read by the card reader to be compared with card information stored in at least one information data store, and
cause read biometric data read by the biometric reader to be compared with biometric information stored in the at least one information data store,
wherein the at least one computer is operative to authorize the user to request the cash dispense transaction responsive at least in part to 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.

### Claim 3 (depends on 1)

The apparatus according to claim 1
wherein the card reader includes a card entry opening,
wherein the card entry opening is sized to receive a card inserted long-edge first into the card reader,
wherein the at least one magnetic read head includes a movable read head operable to read an account number from a magnetic stripe of a card inserted long-edge first into the card reader,
wherein during reading of the account number from the magnetic stripe of the card inserted long-edge first into the card reader, the movable read head moves in a direction substantially parallel to the magnetic stripe.

### Claim 4 (depends on 1)

The apparatus according to claim 1
wherein the card reader is operable to encrypt an account number using a first encryption key,
wherein the EPP is operable to encrypt both the deciphered account number and the PIN using a second encryption key, wherein the second encryption key differs from the first encryption key.

### Claim 5 (depends on 4)

The apparatus according to claim 4 wherein the card reader is operable to encrypt an account number using the first encryption key and encryption data, and wherein the EPP is operable to use the encryption data to decipher the account number encrypted by the card reader processor.

### Claim 6 (depends on 5)

The apparatus according to claim 5 wherein the encryption data includes a random number, wherein at least one of:
the EPP is operable to both
generate the random number, and
communicate the encryption data to the card reader; or
the card reader is operable to both
generate the random number, and
communicate the encryption data to the EPP.

### Claim 7

Apparatus comprising:
an automated banking machine usable to carry out financial transactions,
wherein the machine includes at least one user input device,
wherein the at least one user input device includes an encrypting card reader,
wherein the card reader is operable to read card data from cards,
wherein the card reader includes at least one first processor,
wherein the at least one first processor is operable to encrypt card data read by the card reader,
wherein the at least one user input device includes an encrypting pin pad (EPP),
wherein the EPP is operable to receive a personal identification number (PIN) inputted through the EPP,
wherein the EPP includes at least one second processor,
wherein the at least one second processor is operable to encrypt a PIN received by the EPP,
wherein the EPP is operable to receive card data encrypted by the at least one first processor,
wherein the at least one second processor is operable to decipher card data encrypted by the at least one first processor,
wherein the at least one second processor is operable to encrypt deciphered card data,
wherein the machine is operable to cause at least one message to be sent to a transaction host system,
wherein the at least one message includes both
a PIN encrypted by the EPP, and
card data encrypted by the EPP.

### Claim 8 (depends on 7)

The apparatus according to claim 7
wherein the card reader includes a card entry opening,
wherein the card entry opening is sized to receive a card inserted long-edge first into the card reader,
wherein the card reader includes a movable magnetic read head operable to read card data from a magnetic stripe of a card inserted long-edge first into the card reader,
wherein during reading of the card data from the magnetic stripe of the card inserted long-edge first into the card reader, the movable magnetic read head moves in a direction substantially parallel to the magnetic stripe.

### Claim 9 (depends on 7)

The apparatus according to claim 7
wherein the card reader is operable to encrypt read card data using a first encryption key,
wherein the EPP is operable to use a second encryption key to encrypt the PIN and the card data,
wherein the second encryption key differs from the first encryption key.

### Claim 10 (depends on 9)

The apparatus according to claim 9
wherein the EPP is operable to generate random numbers,
wherein the card reader is operable to encrypt read card data using the first encryption key and a random number generated by the EPP.

### Claim 11

Apparatus comprising:
an automated transaction machine usable to carry out financial transactions,
wherein the machine includes at least one input device,
wherein the at least one input device includes a first input device,
wherein the first input device is operable to receive first user data from a machine user,
wherein the first input device is operable to encrypt the received first user data,
wherein the at least one input device includes a second input device,
wherein the second input device is operable to receive second user data from the machine user,
wherein the second input device is operable to encrypt the received second user data,
wherein the second input device is operable to receive first user data encrypted by the first input device,
wherein the second input device is operable to decipher the received first user data encrypted by the first input device,
wherein the second input device is operable to encrypt the deciphered first user data.

### Claim 12 (depends on 11)

The apparatus according to claim 11 wherein the first input device comprises a data reader, wherein the data reader is operable to read the first user data, and wherein the data reader is operable to encrypt the read first user data.

### Claim 13 (depends on 12)

The apparatus according to claim 12 wherein the data reader comprises a card reader, wherein the card reader is operable to read card data, and wherein the card reader is operable to encrypt the read card data.

### Claim 14 (depends on 13)

The apparatus according to claim 13
wherein the card reader includes a card entry opening,
wherein the card entry opening is sized to receive a card inserted long-edge first into the card reader,
wherein the card reader includes a movable magnetic read head operable to read card data from a magnetic stripe of a card inserted long-edge first into the card reader,
wherein during reading of the card data from the magnetic stripe of the card inserted long-edge first into the card reader, the movable magnetic read head moves in a direction substantially parallel to the magnetic stripe,
wherein the card reader is operable to encrypt card data read by the movable magnetic read head.

### Claim 15 (depends on 13)

The apparatus according to claim 13
wherein the second input device comprises an encrypting pin pad (EPP) that includes a user keypad,
wherein the EPP is operable to encrypt a personal identification number (PIN) received through the user keypad,
wherein the EPP is operable to decipher card data encrypted by the card reader.

### Claim 16 (depends on 15)

The apparatus according to claim 15
wherein the EPP is operable to encrypt the PIN using a first encryption key,
wherein the card reader is operable to encrypt the read card data using a second encryption key, wherein the second encryption key differs from the first encryption key,
wherein the EPP is operable to encrypt the deciphered card data using an encryption key that differs from the second encryption key.

### Claim 17 (depends on 16)

The apparatus according to claim 16 wherein the card reader is operable to encrypt the read card data using the second encryption key and encryption data, and wherein the EPP is operable to use the encryption data to decipher the card data encrypted by the card reader processor.

### Claim 18 (depends on 17)

The apparatus according to claim 17 wherein the encryption data includes a random number,
wherein at least one of:
the EPP is operable to both
generate the random number, and
communicate the encryption data to the card reader; or
the card reader is operable to both
generate the random number, and
communicate the encryption data to the EPP;
wherein the machine is associated with at least one computer,
wherein the at least one computer is operable to cause both a PIN encrypted by the EPP and card data encrypted by the EPP, to be sent in at least one transaction message to a transaction host that is operable to decipher both the encrypted PIN and the encrypted card data.

### Claim 19 (depends on 11)

The apparatus according to claim 11 wherein the second input device comprises an encrypting pin pad (EPP) that includes a user keypad,
wherein the EPP is operable to receive second user data comprising a personal identification number (PIN) received through the user keypad, and
wherein the EPP is operable to encrypt the received PIN,
wherein the EPP is operable to decipher first user data encrypted by the first input device.

### Claim 20 (depends on 19)

The apparatus according to claim 19 wherein the first input device comprises a card reader, wherein the card reader is operable to read first user data comprising card data,
wherein the card reader is operable to encrypt the read card data,
wherein the EPP is operable to decipher the card data encrypted by the card reader.