CA2529005A1 - Automated banking machine with improved resistance to fraud - Google Patents

Automated banking machine with improved resistance to fraud Download PDF

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Publication number
CA2529005A1
CA2529005A1 CA002529005A CA2529005A CA2529005A1 CA 2529005 A1 CA2529005 A1 CA 2529005A1 CA 002529005 A CA002529005 A CA 002529005A CA 2529005 A CA2529005 A CA 2529005A CA 2529005 A1 CA2529005 A1 CA 2529005A1
Authority
CA
Canada
Prior art keywords
radiation
slot
operative
controller
card
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
CA002529005A
Other languages
French (fr)
Other versions
CA2529005C (en
Inventor
Natarajan Ramachandran
Jeffery M. Enright
Dale Blackson
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Diebold Nixdorf Inc
Original Assignee
Diebold, Incorporated
Natarajan Ramachandran
Jeffery M. Enright
Dale Blackson
Diebold Self Service Systems
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US10/601,813 external-priority patent/US7240827B2/en
Application filed by Diebold, Incorporated, Natarajan Ramachandran, Jeffery M. Enright, Dale Blackson, Diebold Self Service Systems filed Critical Diebold, Incorporated
Publication of CA2529005A1 publication Critical patent/CA2529005A1/en
Application granted granted Critical
Publication of CA2529005C publication Critical patent/CA2529005C/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/205—Housing aspects of ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/207—Surveillance aspects at ATMs
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]

Abstract

An automated banking machine (10) includes a lockable first fascia portion (20) which when unlocked enables access to a chest lock input device (104), inputs to which enable opening a chest door (18) of the machine. Opening the first fascia portion also enables access to an actuator (116) which enables moving a second fascia portion (22) for conducting service activities. A
controller (72) in the machine selectively illuminates light emitting devices (118, 126) for purposes of facilitating user operation of the machine. Sensing devices (128) adjacent a card reader slot (28) on the machine enables the controller to detect the presence of a fraud device or unauthorized card reading devices. Sensing devices (254) adjacent a keypad (32) enables the controller to detect the presence of an unauthorized manual input intercepting device.

Claims (64)

1. An automated banking machine apparatus comprising:
a housing;
a user interface in supporting connection with the housing, the user interface including at least one input device and at least one output device, wherein the at least one input device includes a card reader and a keypad adapted to accept personal identification numbers (PINs) input by users of the apparatus;
at least one key area sensing device adjacent the keypad such that positioning an unauthorized manual input intercepting device adjacent the keypad causes at least one change in at least one property that is sensed by the at least one key area sensing device;
at least one controller in the housing, wherein the at least one controller is in operative connection with the at least one key area sensing device and is operative to generate at least one signal responsive to the at least one change, whereby installation of an unauthorized input intercepting device adjacent the keypad is indicated.
2. The apparatus according to claim 1 and further comprising a currency dispensing device in supporting connection with the housing.
3. The apparatus according to claim 2 wherein the at least one key area sensing device comprises a radiation emitter and a radiation receiver.
4. The apparatus according to claim 3 wherein positioning an unauthorized manual input intercepting device adjacent the keypad causes the change in at least one property of radiation sensed from the radiation emitter by the radiation receiver.
5. The apparatus according to claim 3 wherein the keypad comprises a plurality of keys, and wherein at least one area extends between at least two keys of the keypad, and wherein the at least one sensing device senses the at least one property in the at least one area.
6. The apparatus according to claim 2 wherein the user interface further comprises a card reader slot associated with the card reader, and at least one card slot area sensing device adjacent the slot such that positioning an unauthorized card reading device adjacent the slot causes at least one further change in at least one property that is sensed by the at least one card slot sensing device.
7. The apparatus according to claim 6 wherein the at least one card slot sensing device is in operative connection with the at least one controller, and wherein the at least one controller is operative to generate at least one further signal responsive to the at least one further change, wherein an unauthorized card reading device adjacent the slot is indicated.
8. The apparatus according to claim 7 and further comprising at least one radiation emitter, wherein the at least one radiation emitter is operative to emit radiation in generally surrounding relation of the slot.
9. The apparatus according to claim 8 wherein the at least one slot area sensing device comprises at least one radiation sensor adapted to sense radiation from the at least one radiation emitter.
10. The apparatus according to claim 9 wherein the at least one radiation emitter is operative to emit visible light in generally surrounding relation of the card slot.
11. The apparatus according to claim 7 and further comprising a vibration sensor in operative connection with the housing, wherein the vibration sensor is in operative connection with the at least one controller, and wherein installation of an unauthorized device on the user interface is operative to cause at least one change in at least one vibration property sensed by the vibration sensor.
12. The apparatus according to claim 11 wherein the at least one controller is operative responsive to sensing the at least one change in the at least one vibration property, to output at least one signal indicative of the installation of an unauthorized device on the user interface.
13. The apparatus according to claim 12 and further comprising at least one oscillator in operative connection with the housing, wherein the at least one oscillator is in operative connection with the at least one controller, and wherein the vibration sensor is operative to sense vibration imparted to the machine by the at least one oscillator.
14. The apparatus according to claim 12 wherein the at least one controller is operative responsive to at least one of sensing the at least one change sensed by the key area sensing device, the at least one further change sensed by the at least one card slot sensing device, and at least one change in vibration property sensed by the vibration sensor, to send at least one message to a remote computer.
15. The apparatus according to claim 14 wherein the at least one controller is operative to execute fuzzy logic, and wherein the at least one controller is operative to send the at least one message to the remote computer responsive to execution of fuzzy logic.
16. A method comprising:
a) sensing with at least one key area sensing device adjacent a keypad of a user interface of an automated banking machine, an unauthorized manual input intercepting device;
b) responsive to sensing the unauthorized manual input intercepting device, providing at least one output from the machine.
17. The method according to claim 16 wherein (a) comprises sensing a change in radiation reflected from a surface adjacent at least one key of the keypad.
18. The method according to claim 16 and further comprising:
c) receiving at least one input through at least one input device of the automated banking machine, the at least one input device including the keypad;

d) dispensing currency through operation of a currency dispenser in the machine responsive to the at least one input.
19. The method according to claim 18 and further comprising:
e) sensing with at least one card area sensing device adjacent a card slot on the user interface, wherein the card slot is operatively connected with a card reader, at least one unauthorized card reading device attached to the user interface;
f) responsive to sensing the at least one unauthorized card reading device, providing at least one output from the machine.
20. The method according to claim 19 wherein the at least one input device includes the card reader and wherein in (c) the at least one input comprises data read from a card moved in the card slot.
21. The method according to claim 19 wherein (e) comprises:
emitting radiation with at least one radiation emitting device adjacent the card slot; and sensing radiation from the at least one emitting device with at least one radiation sensor adjacent the card slot.
22. The method according to claim 21 wherein (e) includes emitting visible radiation in generally surrounding relation of the card slot.
23. The method according to claim 20 and further comprising:
g) imparting vibration to at least one portion of the user interface through operation of at least one oscillator;
h) sensing vibration with at least one vibration sensor;
i) determining through operation of at least one controller in the machine responsive to vibration sensed in (h) that an unauthorized device has been attached to the user interface.
24. The method according to claim 23 and further comprising:
j) responsive to determining in (i) that an unauthorized device has been attached to the user interface, providing at least one output from the machine.
25. The method according to claim 24 and further comprising:
k) executing fuzzy logic in at least one controller in the machine, wherein at least one of the outputs provided in (b), (f) and (j) is provided responsive to execution of the fuzzy logic.
26. The method according to claim 24 wherein at least one output provided in at least one of (b), (f) and (j) comprises notifying a user of the automated banking machine through at least one output device of the user interface.
27. The method according to claim 24 wherein at least one output produced in at least one of (b), (f) and (j) comprises sending at least one message from the banking machine to a remote computer indicative of installation of an unauthorized device on the machine.
28. An automated banking machine apparatus comprising:
a housing;
a user interface in supporting connection with the housing, the user interface including at least one input device and at least one output device, wherein the at least one input device includes a card reader having an associated card reader slot adapted to accept cards input by users of the apparatus;
at least one radiation emitting device positioned adjacent the slot;
at least one radiation sensing device adjacent the slot such that positioning an unauthorized card reading device adjacent the slot causes a change in at least one property of radiation from the at least one radiation emitting device that is sensed by the at least one radiation sensing device;
at least one controller in the housing, wherein the at least one controller is in operative connection with the at least one radiation sensing device and is operative to generate at least one signal responsive to the change, whereby installation of an unauthorized card reading device adjacent the slot is indicated.
29. The apparatus according to claim 28 and further comprising a currency dispensing device in supporting connection with the housing.
30. The apparatus according to claim 29 wherein the at least one radiation emitting device is operative to emit visible light.
31 The apparatus according to claim 30 wherein the controller is operative to cause the apparatus to carry out a currency dispensing transaction, and wherein the controller is operative to cause the at least one radiation emitting device to initiate emitting radiation during at least one of a transaction step when a user card is to be inserted in the slot and a further transaction step when a user card is to be taken from the slot.
32. The apparatus according to claim 31 and further comprising at least one data store, wherein the controller is operative to cause at least one stored value corresponding to the at least one property of radiation sensed by the at least one radiation sensing device to be stored in the data stare.
33. The apparatus according to claim 32 wherein the controller is operative to compare the at least one stored value with at least one current value corresponding to the at least one property of radiation currently sensed by the at least one radiation sensing device.
34. The apparatus according to claim 33 wherein the controller is operative responsive to determining a difference when comparing the at least one stored value to the at least one current value to cause a status message to be sent by the machine to a remote computer.
35. The apparatus according to claim 34 wherein the controller is operative responsive to determining a difference when comparing the at least one stored value to the at least one current value to cause an output message to be output through at least one output device on the user interface.
36. The apparatus according to claim 35 wherein the output message advises of a possible object near the slot.
37. The apparatus according to claim 33 wherein the controller is operative to change the at least one stored value responsive to the at least one current value.
38. The apparatus according to claim 33 wherein the at least one emitting device is adapted to surroundingly illuminate the card reader slot.
39. The apparatus according to claim 33 wherein the controller is operative to compare the at least one stored value with the at least one current value at a time when a transaction is not being conducted by a user at the apparatus.
40. The apparatus according to claim 33 wherein the controller is operative to execute fuzzy logic in comparing the at least one current value with the at least one stored value.
41. The apparatus according to claim 28 and further comprising a housing member bounding at least one side of the card reader slot, and wherein the at least one radiation emitting device and the at least one radiation sensing device are mounted in supporting connection with the housing member.
42. The apparatus according to claim 41 wherein the housing member extends in surrounding relation of the card reader slot.
43 43. An automated banking machine apparatus comprising:
a housing;
a user interface in supporting connection with the housing, the user interface including at least one input device and at least one output device, wherein the at least one input device includes a card reader having an associated card reader slot adapted to accept cards input by users of the machine;
at least one sensing device positioned adjacent the card reader slot on the user interface, wherein the at least one sensing device is adapted to sense an unauthorized card reading device positioned adjacent the card reader slot;
at least one controller in the housing and in operative connection with the at least one sensing device, wherein the at least one controller is operative to cause the apparatus to produce at least one output responsive to sensing the unauthorized card reading device.
44. The apparatus according to claim 43 wherein the at least one sensing device comprises at least one radiation sensing device.
45. The apparatus according to claim 44 and further comprising at least one radiation emitting device adjacent the card reader slot, wherein the at least one radiation sensing device is adapted to sense radiation emitted by the at least one radiation emitting device.
46. The apparatus according to claim 45 wherein the at least one radiation emitting device is in operative connection with the at least one controller, wherein the controller is operative to selectively cause the at least one radiation emitting device to emit radiation.
47. The apparatus according to claim 43 wherein the at least one controller is in operative connection with at least one data store, and wherein the at least one controller is operative to cause to be stored in the at least one data store at least one stored value responsive to at least one signal from the at least one sensing device, to compare the at least one stored value to at least one current value corresponding to at least one signal currently produced by the at least one sensing device, and to produce the at least one output responsive to a result of the comparison.
48. The apparatus according to claim 47 wherein the at least one output comprises a status message.
49. The apparatus according to claim 47 wherein the at least one controller is further operative to cause the at least one stored value to be changed responsive to the at least one current value.
50. The apparatus according to claim 47 wherein the at least one controller is operative to execute fuzzy logic in comparing the at least one stored value and the at least one current value.
51. The apparatus according to claim 46 and further comprising a slot member on the user interface and bounding at least one side of the card slot, and wherein the at least one radiation emitting device and the at least one radiation sensing device are mounted in supporting connection with the slot member.
52. The apparatus according to claim 51 wherein the slot member extends in generally surrounding relation of the card slot, and the at least one radiation emitting device is operative to visibly illuminate an area surrounding the card slot.
53. A method comprising:
(a) sensing with at least one sensing device adjacent to a card reader slot of a user interface of an automated banking machine, an unauthorized card reader device attached to the user interface;
(b) responsive to sensing the unauthorized card reader device, providing at least one output from the machine.
54. The method according to claim 53 wherein step (b) comprises sending a status message from the machine.
55. The apparatus according to claim 53 wherein step (b) comprises providing a notice indicating presence of a possible unauthorized reader device to a user of the machine through at least one output device.
56. The method according to claim 53, and wherein step (a) comprises:
emitting radiation with at least one emitting device adjacent the card slot;
sensing radiation from the at least one emitting device with at least one radiation sensor device adjacent the card slot.
57. The apparatus according to claim 56 wherein step (a) further comprises:
comparing at least one property of radiation sensed from the at least one sensing device to at least one stored value.
58. The method according to claim 57 and further comprising:
(c) operating the at least one radiation emitting device when no unauthorized card reader device is sensed;
(d) sensing radiation emitted in step (c) with at least one radiation sensing device;
(e) changing the at least one stored value responsive to radiation sensed in step (d).
59. The method according to claim 57 wherein the step of comparing radiation sensed with the at least one sensing device to the at least one stored value comprises executing fuzzy logic.
60. The method according to claim 56 wherein the at least one radiation emitting device emits visible light and further comprising:
(c) illuminating the at least one radiation emitting device when the machine conducts a transaction step in which a card is to be removed from the slot.
61. The method according to claim 60 and prior to step (c) further comprising:

dispensing currency from the machine, and wherein in step (c) the at least one emitting device illuminates the card slot in generally surrounding relation.
62. The method according to claim 61 and further comprising capturing a card that has been subject to being read by the unauthorized reading device through operation of the machine.
63. The method according to claim 62 and further comprising cancelling an account associated with the captured card.
64. The method according to claim 61 and further comprising monitoring activity on an account associated with a card responsive to the card being read by the unauthorized reading device.
CA2529005A 2003-06-23 2004-05-07 Automated banking machine with improved resistance to fraud Active CA2529005C (en)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US10/601,813 US7240827B2 (en) 2002-11-26 2003-06-23 Automated banking machine with improved resistance to fraud
US10/601,813 2003-06-23
US56067404P 2004-04-07 2004-04-07
US60/560,674 2004-04-07
PCT/US2004/014477 WO2005001598A2 (en) 2003-06-23 2004-05-07 Automated banking machine with improved resistance to fraud

Publications (2)

Publication Number Publication Date
CA2529005A1 true CA2529005A1 (en) 2005-01-06
CA2529005C CA2529005C (en) 2010-08-10

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CA2529005A Active CA2529005C (en) 2003-06-23 2004-05-07 Automated banking machine with improved resistance to fraud

Country Status (6)

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EP (1) EP1639537A4 (en)
BR (1) BRPI0411735B1 (en)
CA (1) CA2529005C (en)
MX (1) MXPA05013283A (en)
RU (1) RU2006101691A (en)
WO (1) WO2005001598A2 (en)

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JP4992092B2 (en) * 2006-03-29 2012-08-08 日本電産サンキョー株式会社 Media processing device
GB0326954D0 (en) * 2003-11-19 2003-12-24 Ncr Int Inc Card reader
GB0501824D0 (en) * 2005-01-28 2005-03-09 Ncr Int Inc Self-service terminal
ITFI20060077A1 (en) * 2006-03-23 2007-09-24 Gilbarco S P A DEVICE FOR VERIFYING THE REGULARITY OF THE OPERATION OF AUTOMATIC PAYMENT TERMINALS
DE102006025207B3 (en) * 2006-05-29 2007-10-25 Wincor Nixdorf International Gmbh Self service device particularly cash dispenser, has detection device having receiver for high-frequency electromagnetic signal, where signal has scan module for scanning frequency range
NL2003394C2 (en) 2009-03-27 2011-07-12 Ns Reizigers B V Card feed unit, read out unit, atm and method.
PL2450823T3 (en) 2010-11-04 2013-11-29 Keba Ag detecting a foreign body in the vicinity of a means of input used for authentification
JP5747652B2 (en) * 2011-05-20 2015-07-15 沖電気工業株式会社 Automatic transaction equipment, information processing terminal and peep prevention cover
EP3220322A1 (en) * 2014-04-03 2017-09-20 Cubic Corporation Remotely controlled vending machine

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US4971077A (en) * 1989-08-02 1990-11-20 R. J. Reynolds Tobacco Company On-line tobacco evaluation system and method
US5202549A (en) * 1991-09-30 1993-04-13 International Business Machines Corporation Transaction machine having lighted user prompts
GB9812842D0 (en) * 1998-06-16 1998-08-12 Ncr Int Inc Automatic teller machines
GB9907639D0 (en) * 1999-04-06 1999-05-26 Ncr Int Inc Self-service terminal
US6390367B1 (en) * 1999-06-29 2002-05-21 Ncr Corporation Fraud prevention arrangement
JP3806271B2 (en) * 1999-07-09 2006-08-09 日本電産サンキョー株式会社 Magnetic card transaction device
DE10102283A1 (en) * 2000-01-18 2001-09-13 Mumcu Servet Detecting manipulations on housings of automatic machines containing cash involves detecting, processing, evaluating sound waves/mechanical vibration patterns emitted by housing
JP3884348B2 (en) * 2002-08-02 2007-02-21 日立オムロンターミナルソリューションズ株式会社 Card reader

Also Published As

Publication number Publication date
WO2005001598A2 (en) 2005-01-06
BRPI0411735A (en) 2006-08-08
EP1639537A2 (en) 2006-03-29
WO2005001598A3 (en) 2005-07-28
WO2005001598A8 (en) 2005-09-01
EP1639537A4 (en) 2010-04-21
CA2529005C (en) 2010-08-10
RU2006101691A (en) 2006-06-27
BRPI0411735B1 (en) 2017-02-14
MXPA05013283A (en) 2006-03-09

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