Automated banking machine with noncontact 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 method comprising:
(a) operating at least one processor associated with an automated banking machine to receive from a customer through customer input to the machine, a request to carry out a transaction on a customer account through operation of the machine,
wherein the machine includes a cash dispenser, at least one data reader, and at least one display device,
wherein the at least one data reader is operable to read financial account data,wherein the transaction involves operation of the cash dispenser,wherein the transaction does not require operation of the at least one data reader,wherein the transaction does not require customer input to the machine of financial account data that includes an account number of the customer account,wherein the at least one processor is operable to communicate with a remotely located at least one server,wherein the at least one processor is operable to communicate with a transaction host,
wherein the transaction host does not include the at least one server; (b) operating the at least one processor to send to the at least one server, a message indicative of the request received in (a); (c) operating the at least one processor to receive an identifier from the at least one server; (d) operating the at least one processor to cause the machine to output at least one code through the at least one display device, wherein the at least one code corresponds to the identifier received in (c); (e) operating the at least one processor to receive an account number from the at least one server; and (f) operating the at least one processor to send a transaction approval request to the transaction host,
wherein the transaction approval request includes the account number received in (e).