Automated banking machine with improved resistance to fraud
    22.
    发明授权
    Automated banking machine with improved resistance to fraud 有权
    自动银行机具有改善的抗欺诈能力

    公开(公告)号:US07503481B2

    公开(公告)日:2009-03-17

    申请号:US11454258

    申请日:2006-06-16

    IPC分类号: G06F17/60

    摘要: Apparatus and method for detecting and interfering with an unauthorized device attempting to acquire user identification information at cash dispensing automated banking machine. The apparatus includes a sensing device enabled to detect RF or other radiation transmitted from the unauthorized device in a proximity of the machine. A controller causes the machine to take at least one action responsive to detection of the unauthorized device. The action may include generating a warning screen on the machine display, capturing an image, sending a message to an entity at a remote location, or emitting interfering radiation from an emitter.

    摘要翻译: 用于检测和干扰试图在现金分配自动银行机上获取用户识别信息的未授权设备的装置和方法。 该装置包括能够检测在机器附近从未授权装置传输的RF或其他辐射的感测装置。 控制器使得机器响应于未经授权的设备的检测而采取至少一个动作。 该动作可以包括在机器显示器上产生警告屏幕,捕获图像,向远程位置的实体发送消息或发射来自发射器的干扰性辐射。

    Automated banking machine operated responsive to data bearing records with improved resistance to fraud
    23.
    发明授权
    Automated banking machine operated responsive to data bearing records with improved resistance to fraud 有权
    自动银行业务响应数据记录,改善抵制欺诈行为

    公开(公告)号:US08430305B2

    公开(公告)日:2013-04-30

    申请号:US13555256

    申请日:2012-07-23

    IPC分类号: G06F17/60

    摘要: 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.

    摘要翻译: 响应于从数据记录读取的数据控制银行系统机器。 该机器包括读卡器,小键盘,自动提款机,现金出口,存款接收开口以及可能易于安装欺诈设备的其他交易地点。 防欺诈感测系统在机器中操作以感测未经授权的设备在机器上的可能安装。 这种未经授权的设备可能包括欺诈性读卡设备,欺诈键盘输入拦截设备,现金出口陷阱设备和存款输入转移设备。

    Automated banking machine operated responsive to data bearing records with improved resistance to fraud
    24.
    发明授权
    Automated banking machine operated responsive to data bearing records with improved resistance to fraud 有权
    自动银行业务响应数据记录,改善抵制欺诈行为

    公开(公告)号:US08225993B2

    公开(公告)日:2012-07-24

    申请号:US13199106

    申请日:2011-08-19

    IPC分类号: G06F17/60

    摘要: 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.

    摘要翻译: 响应于从数据记录读取的数据控制自动银行机。 自动银行机包括读卡器,小键盘,自动提款机,现金出口,存款接收开口以及可能易于安装欺诈设备的其他交易地点。 防欺诈感测系统在机器中操作以感测未经授权的设备在机器上的可能安装。 这种未经授权的设备可以包括例如欺诈性读卡设备,欺诈键盘输入拦截设备,现金出口陷阱设备和存款输入转移设备。

    ATM transaction authorization based on user location verification
    26.
    发明授权
    ATM transaction authorization based on user location verification 有权
    基于用户位置验证的ATM交易授权

    公开(公告)号:US08186578B1

    公开(公告)日:2012-05-29

    申请号:US13136698

    申请日:2011-08-08

    IPC分类号: G06K19/06

    摘要: An automated banking machine transaction request is authorized based on a determined location of an authorized user relative to the machine. Identification of an authorized machine user is linked to a remotely locatable item (e.g., a cell phone) of the authorized user. A banking machine receiving the user identification causes the location of the cell phone to be determined. A comparison is then made of the cell phone location and the banking machine location. If the locations correspond, then the current machine user is recognized as the authorized user and machine transactions are permitted. If the locations do not correspond, then the current user is denied transactions at the banking machine. The security arrangement helps prevent an unauthorized person from using a fraudulent card to access a financial account.

    摘要翻译: 基于授权用户相对于机器的确定位置来授权自动银行机交易请求。 授权机器用户的标识被链接到授权用户的可远程定位的项目(例如,蜂窝电话)。 接收用户标识的银行业务机构将确定手机的位置。 然后对手机位置和银行机器位置进行比较。 如果位置对应,则当前机器用户被识别为授权用户,并允许机器交易。 如果这些位置不对应,则当前用户在银行机器上被拒绝交易。 安全安排有助于防止未经授权的人员使用欺诈性卡片访问财务帐户。

    Cash dispensing automated banking machine with GPS
    27.
    发明授权
    Cash dispensing automated banking machine with GPS 有权
    自动点钞自动银行机与GPS

    公开(公告)号:US08127983B1

    公开(公告)日:2012-03-06

    申请号:US12586468

    申请日:2009-09-21

    IPC分类号: G06F17/60

    CPC分类号: G07F19/207 G07F19/20

    摘要: Automated banking machines include a Global Positioning System (GPS). The machines can transmit their GPS location reading to a service center. The service center can receive through a customer's cell phone, a customer request for directions to the nearest cash dispensing machine that does not have a transaction fee. The customer request can include account data and GPS location of the cell phone. The service center can determine from the account data which financial networks would not cause the customer to be assessed a transaction fee for a cash withdrawal. The service center can then determine from the GPS locations of the machines in these financial networks, which machine is geographically closest to the cell phone's GPS location. Directions to this nearest automated banking machine are then sent to the cell phone.

    摘要翻译: 自动银行机包括全球定位系统(GPS)。 机器可以将GPS位置读数传送到服务中心。 服务中心可以通过客户的手机接收客户的请求,指示最近没有交易费用的最近的现金分发机。 客户请求可以包括手机的帐户数据和GPS位置。 服务中心可以从帐户数据中确定哪些金融网络不会导致客户对现金提款的交易费用进行评估。 然后,服务中心可以从这些金融网络中的机器的GPS位置确定哪个机器在地理上最接近于手机的GPS位置。 到最近的自动银行机的方向然后发送到手机。

    Card activated automated banking machine with improved resistance to fraud
    29.
    发明授权
    Card activated automated banking machine with improved resistance to fraud 有权
    卡片激活的自动银行机具有改善的抗欺诈性

    公开(公告)号:US07971779B2

    公开(公告)日:2011-07-05

    申请号:US11975293

    申请日:2007-10-18

    IPC分类号: G06F17/60

    摘要: A banking system that is controlled by data bearing records includes a cash dispensing automated banking machine that includes a card reader, a keypad, a cash outlet, a deposit accepting opening and other transaction locations that may be susceptible to the installation of fraud devices. The machine is operative to sense the probable installation of unauthorized devices. Such unauthorized devices may include fraudulent card reading devices, fraudulent keypad input intercepting devices, cash outlet trap devices, deposit input diversion devices or other fraud devices. Control circuitry in operative connection with radiation output and radiation sensing devices, operates to identify conditions corresponding to the probable installation of a fraud device on the machine and to take actions in response thereto.

    摘要翻译: 由数据承载记录控制的银行系统包括现金分配自动银行机,其包括读卡器,小键盘,现金出口,存款接收开口以及可能易于安装欺诈设备的其他交易位置。 该机器可操作以感测未经授权的设备的可能安装。 此类未经授权的设备可能包括欺诈性读卡设备,欺诈键盘输入拦截设备,现金出口陷阱设备,存款输入转接设备或其他欺诈设备。 与辐射输出和辐射感测装置操作性连接的控制电路用于识别与在机器上可能安装的欺诈装置相对应的条件,并响应于此而作出响应。

    Banking system controlled responsive to data bearing records
    30.
    发明授权
    Banking system controlled responsive to data bearing records 有权
    控制数据记录的银行系统

    公开(公告)号:US07861924B1

    公开(公告)日:2011-01-04

    申请号:US12455602

    申请日:2009-06-03

    IPC分类号: G06F17/60

    摘要: 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 that is operative to read card data corresponding to a user financial account. The card data is linked in at least one data store to an indication that the card data corresponds to an authorized financial account to enable operation of the automated banking machine. The card data is also linked in the at least one data store to a mobile communication device (i.e., cell phone of an owner associated with the financial account). In response to receipt of card data and a transaction request from an automated banking machine, contact data for the owner's cell phone is determined and a message notifying the owner of the requested transaction is sent. The transaction is completed only if the owner provides a responsive message granting permission for the transaction to proceed. Alternatively or in addition transaction authorization may be based on the then current location of the owner's cell phone adjacent to the automated banking machine, and/or other criteria.

    摘要翻译: 自动银行业务机构可以根据从数据记录中读取的数据进行财务转移。 自动银行机包括读卡器,其操作来读取对应于用户金融账户的卡数据。 卡数据被链接在至少一个数据存储器中,以指示卡数据对应于授权的财务帐户以使自动银行机的操作。 卡数据还在至少一个数据存储器中链接到移动通信设备(即与金融账户相关联的所有者的手机)。 响应于从自动银行机接收到卡数据和交易请求,确定所有者手机的联系人数据,并且发送通知所请求的交易的所有者的消息。 仅当所有者提供响应消息授予交易进行许可时,交易才能完成。 或者或另外交易授权可以基于与自动银行机相邻的所有者手机当时的当前位置和/或其他标准。