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公开(公告)号：US09368000B2
公开(公告)日：2016-06-14
申请号：US14716373
申请日：2015-05-19
CPC分类号： G07F19/201 , G06K7/0004 , G06Q20/1085 , G06Q20/32 , G06Q20/3274 , G06Q20/352 , G06Q20/385 , G07F7/10 , G07F7/1075 , G07F19/20 , G07F19/205
摘要： An automated banking machine is part of a banking system that can operate to cause financial transfers responsive to data read from data bearing records. The machine can also receive user card data from a cell phone, including an electronic account number. The phone's banking application encrypts the account number along with an inputted random number which was generated by the machine. The phone then displays a bar code image containing the encrypted data. The machine includes a bar code reader. The random number is used to verify the current transaction session. Thereafter, normal transaction flow can follow, including PIN input. The process allows for secure input of card data without physical insertion of a card. Thus, fraudulent activities based on card insertion can be reduced.
摘要翻译： 自动银行机是银行系统的一部分，可以根据从数据记录中读取的数据进行响应，从而进行财务转移。 该机器还可以从手机接收用户卡数据，包括电子帐号。 手机的银行业务应用程序加密帐号以及机器生成的输入随机数。 然后，手机显示包含加密数据的条形码图像。 该机器包括一个条码阅读器。 随机数用于验证当前事务会话。 此后，可以遵循正常的交易流程，包括PIN输入。 该过程允许卡数据的安全输入，而无需物理插入卡。 因此，可以减少基于卡插入的欺诈活动。
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公开(公告)号：US20150339894A1
公开(公告)日：2015-11-26
申请号：US14716373
申请日：2015-05-19
CPC分类号： G07F19/201 , G06K7/0004 , G06Q20/1085 , G06Q20/32 , G06Q20/3274 , G06Q20/352 , G06Q20/385 , G07F7/10 , G07F7/1075 , G07F19/20 , G07F19/205
摘要： An automated banking machine is part of a banking system that can operate to cause financial transfers responsive to data read from data bearing records. The machine can also receive user card data from a cell phone, including an electronic account number. The phone's banking application encrypts the account number along with an inputted random number which was generated by the machine. The phone then displays a bar code image containing the encrypted data. The machine includes a bar code reader. The random number is used to verify the current transaction session. Thereafter, normal transaction flow can follow, including PIN input. The process allows for secure input of card data without physical insertion of a card. Thus, fraudulent activities based on card insertion can be reduced.
摘要翻译： 自动银行机是银行系统的一部分，可以根据从数据记录中读取的数据进行响应，从而进行财务转移。 该机器还可以从手机接收用户卡数据，包括电子帐号。 手机的银行业务应用程序加密帐号以及机器生成的输入随机数。 然后，手机显示包含加密数据的条形码图像。 该机器包括一个条码阅读器。 随机数用于验证当前事务会话。 此后，可以遵循正常的交易流程，包括PIN输入。 该过程允许卡数据的安全输入，而无需物理插入卡。 因此，可以减少基于卡插入的欺诈活动。
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