Automated teller machine with an encrypting card reader and an encrypting pin pad

Patent metadata

Field	Value
Publication number	US-10068231-B2
Application number	US-201715425334-A
Country	US
Kind code	B2
Filing date	Feb 6, 2017
Priority date	Feb 25, 2011
Publication date	Sep 4, 2018
Grant date	Sep 4, 2018

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.

First claim

The invention claimed is:

1. A tangible, non-transitory computer readable medium of instructions having instructions encoded thereon for execution by processor, and when executed operable to:
receive data from an encrypting reader that is operable to receive data representative of an account provided by a device associated with the user, wherein the data received from the encrypting reader comprises the data representative of an account encrypted by a key associated with the encrypting reader;
decrypt the data representative of the account;
obtain data representative of a personal identification number (PIN);
encrypt the data representative of the account with a key associated with a host computer;
encrypt the data representative of the PIN with the key associated with the host computer;
send the data representative of the account encrypted by the key associated with the host computer to the host computer;
send the data representative of the PIN encrypted by the key associated with the host computer to the host computer;
receive data representative of a notification for a transaction function device from a remote computer;
decrypt the data representative of a notification for the transaction function device from the remote computer;
encrypt the data representative of a notification with a key associated with the transaction function device; and
send the data representation of a notification encrypted with the key associated with the transaction function device to the transaction function device.

2. The tangible, non-transitory computer readable medium set forth in claim 1 , wherein the wherein the transaction function device is a cash dispenser.

3. The tangible, non-transitory computer readable medium set forth in claim 1 , wherein the wherein the transaction function device is a cash acceptor.

4. The tangible, non-transitory computer readable medium set forth in claim 1 , wherein the wherein the transaction function device is a check acceptor.

5. The tangible, non-transitory computer readable medium set forth in claim 1 , the instructions are further operable to:
receive data representative of a message for a remote computer encrypted by the key associated with the transaction function device;
decrypt the data representative of the message for the remote computer;
encrypt the data representative of the message for the remote computer with the key associated with the remote computer; and
send the data representative of the message for the remote computer encrypted with the key associated with the remote computer to the remote computer.

6. The tangible, non-transitory computer readable medium set forth in claim 1 , wherein the encrypting reader is an encrypting card reader; and
wherein the encrypting card reader is operable to obtain account data from a magnetic stripe located on a card inserted by a user.

7. The tangible, non-transitory computer readable medium et forth in claim 1 , wherein the encrypting reader is an encrypting card reader; and
wherein the encrypting card read is operable to obtain account data from a chip located on a card inserted by a user.

8. The tangible, non-transitory computer readable medium set forth in claim 1 , the instructions are further operable to:
store a plurality of encryption keys in a memory located within a secure housing; and
destroy the plurality of encryption keys responsive to receiving a signal from a sensor mesh indicating tampering of the secure housing.

9. The tangible, non-transitory computer readable medium set forth in claim 1 , the instructions are further operable to receive the data representative of the PIN wirelessly.

10. The tangible, non-transitory computer readable medium set forth in claim 9 , the instructions are further operable to receive the data representative of the PIN via a near field connection (NFC) interface.

11. The tangible, non-transitory computer readable medium set forth in claim 9 , the instructions are further operable to receive the data representative of the PIN via a radio frequency identification (RFID) tag.

12. The tangible, non-transitory computer readable medium set forth in claim 1 , wherein the encrypting reader is operable to receive the data representative of an account wirelessly.

13. The tangible, non-transitory computer readable medium set forth in claim 12 , wherein the encrypting reader receives the data representative of the account via a near field connection (NFC) interface.

14. The tangible, non-transitory computer readable medium set forth in claim 12 , wherein the encrypting reader receives the data representative of the account via a BLUETOOTH interface.

15. The tangible, non-transitory computer readable medium set forth in claim 1 , wherein the instructions are further operable to exchange public keys with the encrypting reader.

16. The tangible, non-transitory computer readable medium set forth in claim 1 , wherein the instructions are operable to exchange public keys with the transaction function device.

17. A method, comprising:
receiving by a processor associated with an encrypting personal identification number pad (EPP) data from an encrypting reader that is operable to receive data representative of an account provided by a device associated with the user, wherein the data received from the encrypting reader comprises the data representative of an account encrypted by a key associated with the encrypting reader;
decrypting by the processor associated with the EPP the data representative of the account;
obtaining by the processor associated with the EPP data representative of a personal identification number (PIN);
encrypting by the processor associated with the EPP the data representative of the account with a key associated with a host computer;
encrypting by the processor associated with the EPP the data representative of the PIN with the key associated with the host computer;
sending by the processor associated with the EPP the data representative of the account encrypted by the key associated with the host computer to the host computer;
sending by the processor associated with the EPP the data representative of the PIN encrypted by the key associated with the host computer to the host computer;
receiving by the processor associated with the EPP data representative of a notification for a transaction function device from a remote computer;
decrypting by the processor associated with the EPP the data representative of a notification for the transaction function device from the remote computer;
encrypting by the processor associated with the EPP the data representative of a notification with a key associated with the transaction function device; and
sending by the processor associated with the EPP the data representation of a notification encrypted with the key associated with the transaction function device to the transaction function device.

18. The method set forth in claim 17 , wherein the wherein the transaction function device is a cash dispenser.

19. The method set forth in claim 17 , wherein the wherein the transaction function device is a cash acceptor.

20. The method set forth in claim 17 , wherein the wherein the transaction function device is a check acceptor.

21. The method set forth in claim 17 ,
receiving by the processor associated with the EPP data representative of a message for a remote computer encrypted by the key associated with the transaction function device;
decrypting by the processor associated with the EPP the data repres

Assignees

• Diebold Nixdorf Inc

Inventors

• Lewis David N
• Steinbach Klaus A
• Enright Jeffery M
• Ramachandran Natarajan
• Douglass Mark A
• Crews Timothy
• Ma Songtao
• Jenkins Randall W
• Graef H Thomas
• Irudayam Sathish M

Classifications

• G07F7/0873

  Details of the card reader · CPC title

• G07F19/205

  Housing aspects of ATMs · CPC title

• G07F19/203

  Dispensing operations within ATMs (dispensing in general G07D11/00) · CPC title

• G07F19/202

  Depositing operations within ATMs (depositing in general G07D11/00) · CPC title

• G06Q20/4012 Primary

  Verifying personal identification numbers [PIN] · CPC title