Patent application number | Description | Published |
20080277464 | Cash dispensing automated banking machine deposit accepting system and method - An automated banking machine includes a mechanism for accepting deposited items. Deposited items can be provided to the machine in envelopes passed out of the machine to a user. An empty envelope in an envelope holding container ( | 11-13-2008 |
20090095806 | Automated banking machine operated responsive to data bearing records and with improved resistance to fraud - An automated banking machine that operates responsive to data read from data bearing records has sensing devices adjacent a card reader slot. The sensing devices enable detection of a fraudulent card reading device. | 04-16-2009 |
20090101705 | Automated banking machine operated responsive to data bearing records with improved resistance to fraud - An automated banking machine is controlled responsive to data read from data bearing records. The automated banking 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 for example, fraudulent card reading devices, fraudulent keypad input intercepting devices, cash outlet trap devices, deposit input diversion devices or other fraud devices. | 04-23-2009 |
20100059587 | Banking system controlled responsive to data bearing records - An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that reads card data from a card of a machine user. The card data is linked in a data store to both a customer's financial account and a cell phone assigned to that customer. In response to the user's transaction request, contact data for the assigned cell phone is determined from the data store using the read card data. A transaction security code is then sent to that cell phone. The transaction is allowed to proceed only if the user inputs the sent security code to the machine within a predetermined amount of time. Transaction allowance may also be based on a real time determination that the assigned cell phone is physically located proximate the machine. | 03-11-2010 |
20100176191 | Automated banking machine with improved resistance to fraud - A cash dispensing automated banking machine includes a card reader associated with a card slot. An anti-fraud sensing device is able to sense ambient light or generated radiation that passes to the sensing device through the card reader slot. The installation of an unauthorized card reading device on the machine changes at least one property sensed by the sensing device. A controller in the machine receives signals from the sensing device, and determines if an unauthorized card reading device has been installed. | 07-15-2010 |
20100187300 | Automated banking machine operated responsive to data bearing records and with improved resistance to fraud - An automated banking machine has sensing devices adjacent a card reader slot. The sensing devices enable detection of a fraudulent card reading device. | 07-29-2010 |
20100223181 | Automated banking machine with improved resistance to fraud - A cash dispensing automated banking machine includes a card reader associated with a card slot. An anti-fraud sensing device is able to sense ambient light or generated radiation that passes to the sensing device through the card reader slot. The installation of an unauthorized card reading device on the machine changes at least one property sensed by the sensing device. A controller in the machine receives signals from the sensing device, and determines if an unauthorized card reading device has been installed. | 09-02-2010 |
20100241564 | Banking system controlled responsive to data bearing records - A banking system operates to cause financial transfers responsive to card data read from data bearing records by a card reader. The system includes at least one automated banking machine comprising a cash dispenser. The system is operative during a cash dispense transaction request to receive through an automated banking machine, user input of data corresponding to a mobile phone number. The system is operative to generate a security code for the requested cash dispense transaction. The system uses the phone number to send the generated security code to the mobile phone. The cash dispense transaction is allowed to proceed only if the system receives machine user input of the sent security code within a predetermined amount of time. | 09-23-2010 |
20100243729 | Banking system that operates responsive to data read from data bearing records - An automated banking machine operates to cause financial transfers responsive to data bearing records. The automated banking machine includes a card reader that is operative to read data from user cards corresponding to a financial account. The automated banking machine further includes a sheet accepting device that is operative to receive at least one of notes and checks. A note acceptor includes at least one validator that includes at least one ultrasonic detector. The at least one validator is operative to identify suspect counterfeit notes produced by assembling pieces of genuine notes by identifying seams or other fastening features in the notes where such pieces are joined. The note validator may further include image sensors and/or radiation transmission sensors which are further usable to identify the presence of seams or other fastening features that can distinguish valid and suspect counterfeit notes. | 09-30-2010 |
20110238574 | Banking system controlled responsive to data bearing records and user input of a phone received security code - A banking system operates to cause financial transfers responsive to card data read from data bearing records by a card reader. The system includes at least one automated banking machine comprising a cash dispenser. The system is operative during a cash dispense transaction request to receive through an automated banking machine, user input of data corresponding to a mobile phone number. The system is operative to generate a security code for the requested cash dispense transaction. The system uses the phone number to send the generated security code to the mobile phone. The cash dispense transaction is allowed to proceed only if the system receives machine user input of the sent security code within a predetermined amount of time. | 09-29-2011 |
20110303745 | Automated banking machine operated responsive to data bearing records with improvedresistance to fraud - An automated banking machine is controlled responsive to data read from data bearing records. The automated banking 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 for example, fraudulent card reading devices, fraudulent keypad input intercepting devices, cash outlet trap devices, and deposit input diversion devices. | 12-15-2011 |
20120043379 | Automated Banking Machine That Outputs Interference Signals That Jam ReadingAbility Of Unauthorized Card Readers - A cash dispensing automated banking machine includes a card reader associated with a card slot. An anti-fraud sensing device is able to sense ambient light or generated radiation that passes to the sensing device through the card reader slot. The installation of an unauthorized card reading device on the machine changes at least one property sensed by the sensing device. A controller in the machine receives signals from the sensing device, and determines if an unauthorized card reading device has been installed. | 02-23-2012 |
20120138676 | CARD ACTIVATED CASH DISPENSING AUTOMATED BANKING MACHINE - An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated banking machine also includes a display and a printer to produce records of financial transactions carried out with the machine. The card reader is operative to read and return card information read from the user card responsive. The automated banking machine further includes a sheet detector that is operative to detect at least one property usable to distinguish between the presence or absence of a sheet and/or determine a property of the sheet. | 06-07-2012 |
20120223133 | Banking System Controlled Responsive to Data Bearing Records and User Input of a Phone Received Security Code - A banking system operates to cause financial transfers responsive to card data read from data bearing records by a card reader. The system includes at least one automated banking machine comprising a cash dispenser. The system is operative during a cash dispense transaction request to receive through an automated banking machine, user input of data corresponding to a mobile phone number. The system is operative to generate a security code for the requested cash dispense transaction. The system uses the phone number to send the generated security code to the mobile phone. The cash dispense transaction is allowed to proceed only if the system receives machine user input of the sent security code within a predetermined amount of time. | 09-06-2012 |
20120223134 | Banking Machine Controlled Responsive to Data Read from Data Bearing Records - A banking system comprises automated banking machines which include a card reader, check imaging device, and cash dispenser. Each system machine can cash a code-correlated check in exchange for receiving both the check and the code assigned to the check, without requiring any user identifying input through the machine's user input devices as a condition for cashing the check. The system allows a potential recipient of a personal check to call in a given code to a system computer, which can verify whether the check is backed by funds reserved for the check amount and whether the check can be anonymously cashed. From the call the system computer can obtain the mobile phone's GPS location to determine the system machine nearest to the phone. When informing the phone user that a check is as good as cash, the system computer can also provide directions to that nearest system machine. | 09-06-2012 |
20120234913 | Automated Banking Machine that Outputs Interference Signals that Jam Reading Ability of Unauthorized Card Readers - A cash dispensing automated banking machine includes a card reader associated with a card slot. An anti-fraud sensing device is able to sense ambient light or generated radiation that passes to the sensing device through the card reader slot. The installation of an unauthorized card reading device on the machine changes at least one property sensed by the sensing device. A controller in the machine receives signals from the sensing device, and determines if an unauthorized card reading device has been installed. | 09-20-2012 |
20120286033 | Automated Banking Machine Operated Responsive to Data Bearing Records with Improved Resistance to Fraud - 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. | 11-15-2012 |
20130056534 | AUTOMATED BANKING MACHINE THAT OUTPUTS INTERFERENCE SIGNALS THAT JAM READING ABILITY OF UNAUTHORIZED CARD READERS - A cash dispensing automated banking machine includes a card reader associated with a card slot. An anti-fraud sensing device is able to sense ambient light or generated radiation that passes to the sensing device through the card reader slot. The installation of an unauthorized card reading device on the machine changes at least one property sensed by the sensing device. A controller in the machine receives signals from the sensing device, and determines if an unauthorized card reading device has been installed. | 03-07-2013 |
20130311365 | BANKING SYSTEM CONTROLLED RESPONSIVE TO DATA BEARING RECORDS AND USER INPUT OF A PHONE RECIEVED SECURITY CODE - A banking system operates to cause financial transfers responsive to card data read from data bearing records by a card reader. The system includes at least one automated banking machine comprising a cash dispenser. The system is operative during a cash dispense transaction request to receive through an automated banking machine, machine user input of data corresponding to a mobile phone number. The system is operative to generate a security code for the requested cash dispense transaction. The system uses the phone number to send the generated security code to the mobile phone. The cash dispense transaction is allowed to proceed only if the system receives machine user input of the sent security code. | 11-21-2013 |
20140151449 | AUTOMATED BANKING MACHINE OPERATED RESPONSIVE TO DATA BEARING RECORDS WITH IMPROVED RESISTANCE TO FRAUD - 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 associated with 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. | 06-05-2014 |
20140217169 | BANKING MACHINE CONTROLLED RESPONISVE TO DATA READ FROM DATA BEARING RECORDS - 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 card data is usable by the machine to authorize a user to carry out a financial transfer involving the account. | 08-07-2014 |
20140305352 | AUTOMATED BANKING MACHINE SYSTEM AND MONITORING - In an example embodiment, there is disclosed an apparatus comprising a lock box having an input device, circuitry, and a lock for holding a key to gain access to an area. The apparatus further comprises an alarm system for protecting the area and a proximity reader coupled with the alarm system, the proximity reader is located within the area. The circuitry is operable to determine if an input received by the input device is for an authorized user. The lock box is operable to provide access to the key in response to the circuitry determining that the input received by the input device is for an authorized user. The proximity reader is operable to receive data from a wireless token. The alarm system is operable to deactivate for at least a portion of the area responsive to the proximity reader receiving the data from the wireless token. | 10-16-2014 |
20140346007 | BANKING SYSTEM OPERATED RESPONSIVE TO DATA BEARING RECORDS - An automated banking machine operated responsive to data bearing records includes a card reader that is operative to read data from user cards including financial account identifying data, and to cause financial transfers responsive to the card data. The automated banking machine includes a sheet accepting device. The sheet accepting device is operative to receive a stack of sheets and to separate each sheet from the stack. Each sheet is aligned with a sheet path and analyzed by analysis devices including at least one magnetic read head, an imager, and/or a validation device. Sheets determined to have at least one property of a genuine sheet are processed and stored in the machine. | 11-27-2014 |
20140351125 | BANKING SYSTEM CONTROLLED RESPONSIVE TO DATA BEARING RECORDS AND USER INPUT OF A PHONE RECEIVED SECURITY CODE - A banking system operates to cause financial transfers responsive to card data read from data bearing records by a card reader. The system includes at least one automated banking machine comprising a cash dispenser. The system is operative during a cash dispense transaction request to receive through an automated banking machine, machine user input of data corresponding to a mobile phone number. The system is operative to generate a security code for the requested cash dispense transaction. The system uses the phone number to send the generated security code to the mobile phone. The cash dispense transaction is allowed to proceed only if the system receives machine user input of the sent security code. | 11-27-2014 |
20140372305 | DETECTING UNAUTHORIZED CARD SKIMMERS - In an example embodiment, an automated banking machine that includes an anti-fraud arrangement that can deter effective operation of unauthorized devices attached to the machine. The arrangement allows for the machine's card slot bezel to be frequently exchanged for a differently configured card slot bezel, where the bezel configuration is displayed to a potential user. | 12-18-2014 |