AUTOMATED BANKING MACHINE WITH NON-CONTACT READING OF CARD DATA

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.

主权项

1. A tangible, non-transitory computer readable medium of execution containing instructions for execution by a processor and when executed operable to:
operating an image reader of an automated banking machine during a user session with the automated banking machine, to read a displayed encrypted image that includes account number data corresponding to a customer account, wherein the automated banking machine is operable to allow an authorized user of the machine to carry out a transaction; and subsequent to operating the image reader, operating the automated banking machine during the user session in carrying out a transaction on the customer account.