CA2798626A1

CA2798626A1 - Biometric banking machine apparatus, system, and method

Info

Publication number: CA2798626A1
Application number: CA2798626A
Authority: CA
Inventors: Davell D. B. Burnett
Original assignee: Individual
Current assignee: Individual
Priority date: 2012-12-10
Filing date: 2012-12-10
Publication date: 2014-06-10

Abstract

An apparatus, system, and method are disclosed for an automated biometric banking machine. In general, the apparatus includes a biometric fingerprint and/or vascular vein pattern scanning module. In an exemplary embodiment, an ATM terminal is provided that has been equipped with a biometric fmgerprint scanning device and/or biometric vascular vein scanning device.
Moreover in the embodiment, automated biometric banking machines incorporate modern ABM
(Automated Banking Machine) and ATM (Automated Teller Machine) terminals innovated with advanced biometric hardware, systems, methods, devices, and technology. For purposes of brevity, herein this invention may often be referred to as BBM (Biometric Banking Machine), and/or BTM (Biometric Teller Machine). Furthermore in one specific and exemplary embodiment, a POS (Point Of Sale Terminal) is provided that has been equipped with a biometric fingerprint and/or vascular vein pattern scanning device.

Description

FIELD OF THE INVENTION
[0001] The current invention relates to the fields of biometric security, automated banking machines, fraud prevention, retailing industry, hospitality industry, and the financial banking industry in general. The present invention relates to authenticating a user based on their unique biometric physical characteristics.
BACKGROUND OF THE INVENTION

[0002] In today's society automated teller machines have become ubiquitous around the globe.
The financial industry has invested heavily and as a result profited greatly from the continual rise in demand for ATM terminals. Accordingly, fraud has also increased as a result and begun to flourish. Nevertheless, in the past several years there have been significant advancements in banking securities. With the increase of digital technologies on the rise, criminals are also adapting and using new sophisticated measures to defraud consumers. One such measure has been called 'cloning' or 'skimming'. Traditionally, swipe-card and smart-card security features have proven to be fairly effective at combating many forms of fraud. However, criminal organizations are now employing sophisticated card 'cloning' devices to copy a user's swipe/smart-card information. Furthermore, they have implemented complex systems and means for capturing an individual's PIN and later fraudulently draining their financial account of funds with the cloned card. These instances of financial terrorism often occur at the ATM apparatus's themselves but also occur at point of sale terminals. Check fraud and identity theft are also growing rampant. Financial institutions, as well as government agencies have an immutable obligation to consumers and the general public to help impede this growth in crime. Banks and other institutions are currently working diligently to innovate and implement new advancements to hinder this continual proliferation in fraud. Adopting new and robust security measures are imperative for combating this injustice. The growth in the field of biometrics has provided a solution and a glimpse into the future of financial security in general.
SUMMARY OF THE INVENTION

[0003] The following presents a simplified summary and a plurality of embodiments in order to provide basic understanding of the current invention. It is readily understood by one skilled in the art, that this summary is intended to provide general concepts and embodiments. This summary is not an extensive overview, neither is it intended to identify critical or key elements of all contemplated embodiments, and neither to limit the scope of the invention. The purpose of the summary is to provide a plurality of concepts and embodiments in a simplified form as a prelude to the more detailed description that is presented later.

[0004] The current invention has been developed in response to security concerns related to the art. In particular, in response to the problems of increased debit, credit, check, banking, and automated teller machine fraud. The security needs in the art have not been met with the current mechanisms in place and fraud is continually on the rise. Accordingly, the present invention has been developed to provide an apparatus, system, and method to overcome the shortcomings in the current art. Embodiments of the present invention address the above-discussed needs by providing an automated teller machine with a biometric fingerprint scanner, and/or a biometric vascular vein pattern scanner. Embodiments of the present invention also address the above-discussed needs by equipping a point of sale terminal (POS) with a biometric fingerprint and/or biometric vein scanning module. The biometric scanning modules may be 'contact', and/or `contactless'. In this evolution in the art, there is a great need of readily verifying whether obtained biological information is derived from a living biological origin or a non-living non-biological origin. The disclosed invention answers and solves these needs.

[0005] Herein for the purpose of brevity automated teller machines equipped with advanced biometric fingerprint and/or vascular vein pattern technology may be referred to in some instances as `biometric banking machines' (BBM) '5 and/or `biometric teller machines' (BTM)'s.
This referral is not intended in any way to limit the scope of any embodiment.
Its sole purpose is to advance the ideology, and terminology in the art, and by no means delineate the scope of the invention.

[0006] In an embodiment of the invention, BBM terminals include a plurality of transaction capabilities, functions, systems, modules, and devices. Some function devices include, but not limited to, a card reader, a biometric imaging device, a keypad, a printer, a PIN (Personal Identification Number) reader, a cash dispenser, a display terminal, a cash acceptor, a check acceptor, a security camera, an alarm system, a code reader, user interface, processing device, and a biometric finger and vein scanning module.

[0007] BBM / BTM terminals utilize state of the art high tech security systems, programs, sensors, algorithms, logic, encryption, devices, and modules. Some security sensors include, but not limited to, magnetic, and seismic.

[0008] Biometric banking machine apparatuses utilize a plurality of biometric authenticating modules. Including, but not limited to, an input module, a verification module, an encryption module, a decryption module, a duress module, a memory module, and a storage module.

[0009] Moreover in the implementation of the claimed embodiment, BBM terminals operate on multiple automated systems and methods responsive to recognizing and authenticating a person based on unique distinguishable human fingerprint attributes.

[0010] Furthermore in the implementation of the claimed embodiment, BBM
terminals operate on multiple systems and methods responsive to recognizing a person based on unique vascular human vein pattern attributes.

[0011] In one embodiment of the invention, the apparatus includes an input terminal that conducts and receives a biometric scan and verification sequence by a user activating a biometric imaging reader.

[0012] In a specific embodiment, BBMs allow a user to input a PIN in conjunction with a successful biometric scan to gain access to financial transactions.

[0013] In yet another embodiment, account access is granted upon successful biometric fingerprint and/or vascular vein pattern authentication without the need of a PIN.

[0014] A plurality of communication interface, systems and networks are utilized for verification and authenticating biometric data. Also a plurality of programming environments are utilized by the disclosed apparatus.

[0015] Also in one embodiment, a user inserts their plastic debit/credit card with a magnetic stripe, or debit/credit smart-card with chip technology containing unique card number and security features, into the card reader to commence the authentication process. Authentication is then initiated by the user placing their fingerprint on the biometric fingerprint scanner, and/or placing hand over biometric vein scanner. Moreover in the embodiment, the user's unique biometric fingerprint and vascular vein pattern is scanned, captured, and digitally matched against the current biometric data stored on file for that specific biometric account.

[0016] In an exemplary embodiment, a point of sale terminal (POS) is equipped with a biometric fingerprint and/or vascular vein scanning device.

[0017] In another exemplary embodiment, a bank teller service transaction window is equipped with a biometric fingerprint and/or vascular vein scanning device.

[0018] Check fraud has grown to be an expensive and unsightly burden on both consumers as well as the financial industry in general. For purposes of greatly improving industry security and standards, the disclosed invention must be implemented nationwide. Employing a biometric fingerprint reader to a bank teller service window greatly reduces the capability of falsification.
Moreover, incorporating a biometric vascular vein scanning device is virtually impossible to replicate due to the fact that it requires hemoglobin of a living human being and the internal scan of subcutaneous systems.

[0019] In one embodiment, a token such as a swipe/smart card is used to initiate the authentication process.

[0020] In one embodiment, token-less access is engaged by successful biometric vein pattern scan and/or fmgerprint scan bypassing the use of swipe-card or smart-card.

[0021] In the specification of some exemplary embodiments, the expression "vein pattern"
and/or "vascular vein pattern" is deemed to include the pattern of a plurality of subcutaneous systems and not limited to any specific type of arteries, veins, capillaries, or blood vessels.
BRIEF DESCRIPTION OF THE DRAWINGS

[0022] Preferred embodiments of the current invention will now be illustrated in the appended drawings. Moreover, one of ordinary skill in the art will readily understand the exemplary renditions and illustrations of the disclosed invention. Further understanding that these drawings depict only some preferred embodiments, and in no way to be considered limiting to the scope of the invention. It should be noted that the illustrated components and features are not necessarily drawn to scale.

[0023] FIG. 1 is an illustration of a preferred embodiment in which an ATM is provided that has been equipped with a biometric fingerprint scanner.

[0024] FIG. 2 is an illustrated embodiment in which an ABM is provided that has been equipped with a biometric fingerprint scanner.

[0025] FIG. 3 is an illustration of a preferred embodiment in which a BBM is shown that is equipped with a biometric fingerprint scanner.

[0026] FIG. 4 is an illustration of a preferred embodiment in which a BBM is shown that is equipped with a biometric vascular vein scanner.

[0027] FIG. 5 is an illustration of a preferred embodiment in which a BBM
apparatus is shown that has been equipped with both a biometric fingerprint scanner and a biometric vascular vein scanner.

[0028] FIG. 6 is an illustration of a preferred embodiment in which a bank teller service transaction window is shown that is equipped with a biometric fingerprint scanner.
.[0029] FIG. 7 is an illustration of a preferred embodiment in which a bank teller service transaction window is shown that is equipped with both a biometric fingerprint scanner and a biometric vascular vein scanner.
[0030] FIG. 8 is an illustration of a preferred embodiment in which a back teller service transaction window is shown that is equipped with a singular device that scans biometric fingerprint as well as biometric vascular vein pattern.
[0031] FIG. 9 is an illustration of a preferred embodiment in which a POS
terminal is shown that has been equipped with a biometric fingerprint scanner.
[0032] FIG. 10 is an illustration of a preferred embodiment in which a POS
terminal is shown that has been equipped with a biometric fingerprint scanner and a contactless card reader.
[0033] FIG. 11 is an illustration of a preferred embodiment in which a POS
terminal is shown that has been equipped with a biometric vascular vein scanner.
[0034] FIG. 12 is an illustration of a preferred embodiment in which a POS
terminal is shown that has been equipped with a singular device that scans biometric fingerprint and biometric vascular vein pattern.
[0035] FIG. 13 is an illustration of a preferred embodiment in which a POS
terminal is shown that has been equipped with a device that scans both biometric fingerprint and biometric vascular vein pattern, as well as a contactless card reading device.
[0036] FIG. 14 is a flowchart that shows an exemplary set of user registration and authentication steps.
[0037] FIG. 15 is a flowchart that depicts an exemplary set of user access and authentication steps.
DETAILED DESCRIPTION
[0038] A plurality of embodiments for the present invention will hereinafter be described in further detail. Various descriptions of a plethora of materials, techniques, devices, and equipment are in some instances omitted so as not to obscure the invention or limit the scope thereof Various additions, substitutions, re-arrangements, and/or modifications within the same scope and/or complimentary scope of the current invention will become apparent to one of ordinary skill in the art. Exemplified configurations of the current invention will at times be described with reference to the drawings. These configurations and embodiments depict only some preferred embodiments, and in no way to be considered limiting to the scope of the invention.
[0039] FIG. 1 is a preferred embodiment in which an exemplary ATM terminal is provided that has been innovated and equipped with a biometric fingerprint scanner. FIG. 2 is in essence the same as FIG. 1 wherein the only difference is in the understood terminology.
In FIG. 2 the apparatus is understood to be named ABM instead of ATM. This illustration in the contrast in nomenclature of the two embodiments is done because globally banking machines are often referred to as automated banking machines (ABM)'s and automated teller machines (ATM)'s.
FIG. 1 and FIG. 2 are embodied in one sense to satisfy the globally accepted nomenclature.
FIG. 3 is in essence the same apparatus as FIG. 1 and FIG. 2, the only difference being the apparatus given the name BBM standing for biometric banking machine wherein the term 'automated' is understood to silently come before the word biometric, to further advance the exemplary nomenclature in the art. This nomenclature by no means limits the scope of the current invention, but instead is understood to showcase the advancement in ideology and terminology in the art.
[0040] FIG. 4 is a preferred embodiment of a BBM apparatus that is equipped with a biometric vascular vein pattern scanner. FIG. 5 is a preferred embodiment in which a BBM
apparatus is equipped with both a biometric fingerprint scanner and a biometric vascular vein pattern scanner.
In FIG. 5 it is also understood, by one of ordinary skill in the art, that the biometric fingerprint scanner and vascular vein scanner can either be one singular scanning device or two separate scanning devices. In the specification of some exemplary embodiments, the expression "vein pattern" and/or "vascular vein pattern" is deemed to include the pattern of a plurality of subcutaneous systems including, and not limited to, any type of arteries, veins, capillaries, and blood vessels.
[0041] FIG. 6 is a preferred embodiment of a bank teller service transaction window that has been equipped with a biometric fingerprint scanner. This illustration is understood to be an exemplary model of a typical bank teller window innovated with the capability for biometric authentication. FIG. 7 is a preferred embodiment of a bank teller service transaction window that has been equipped with a biometric vascular vein pattern scanner. FIG. 8 is an illustrated embodiment of a bank teller service transaction window that has been equipped with a singular scanning device that scans both biometric fingerprint and vascular vein pattern.
[0042] It should be noted that when the terms "biometric fingerprint scanner"
and "biometric vascular vein pattern scanner" are used, they are understood by one of ordinary skill in the art, to refer to a scanning apparatus that conducts either a 'contact' scan or `contactless' scan. Indeed, a 'contact' scan is understood to be conducted by physical contact with the apparatus scanning module. A `contactless' scan is understood to be conducted without the need of physical contact with the apparatus. In an exemplary embodiment of a `contactless' scan, a user holds their hand over a biometric fingerprint and/or vascular vein pattern reader and the scan is conducted without physical contact. In an exemplary embodiment of a 'contact' scan, a user places their hand directly in contact with the apparatus scanning module and the scan is conducted via physical contact.
[0043] FIG. 9 is an illustration of a preferred embodiment in which a POS
terminal is shown that has been equipped with a biometric fingerprint scanner. The POS terminal is understood by one of ordinary skill in the art, to exemplify and embody any place where a user can access their financial account to pay for goods and services and/or any other financial transaction. FIG. 10 is an illustrated embodiment of a POS terminal equipped with a biometric fingerprint scanner as well as a `contactless' card reading device. Many financial service providers are providing their clients with 'quick pay' or sometimes called 'pay-pass' token capability. This capability is exemplified in some of the illustrated embodiments that are equipped with `contactless' reading devices. The scope of the `contactless' card reading device is understood by one of ordinary skill to be in no way limited to 'quick pay' and/or 'pay-pass' functionality. FIG.
11 is an illustration of a preferred embodiment in which a POS terminal is shown that has been equipped with a biometric vascular vein scanner. FIG. 12 is an illustration of a preferred embodiment in which a POS terminal is shown that has been equipped with a singular device that scans both biometric fingerprint and/or biometric vascular vein pattern. FIG. 13 is an illustration of a preferred embodiment in which a POS terminal is shown that has been equipped with a device that scans both biometric fingerprint and biometric vascular vein pattern, as well as a `contactless' card reading device.
[0044] FIG. 14 is a flowchart that shows an exemplary set of user registration and authentication steps. This flowchart is intended to be an exemplary illustration of a general embodiment of a user registration sequence and procedure. It is understood by one of ordinary skill in the art, that this flowchart is a general example and by no means limiting to the scope of the invention. It is also understood that additional sequences, events, substitutions, and steps may be made within the scope of the invention without departing from the spirit of the current invention thereof, and that the invention includes all such sequences, events, substitutions, and steps. FIG. 15 is a flowchart that depicts an exemplary set of user access and authentication steps. This flowchart is intended to illustrate an exemplary embodiment in which a user initiates, authenticates, and ultimately is granted or denied access to their biometric financial account.
This flowchart, similar to the previous flowchart, is intended to be an exemplary illustration of a general embodiment of a user access sequence and procedure. It is understood by one of ordinary skill in the art, that this flowchart is a general example and by no means limiting to the scope of the invention. It is also understood that additional sequences, events, substitutions, and steps may be made within the scope of the invention without departing from the spirit of the current invention thereof, and that the invention includes all such sequences, events, substitutions, and steps.
[0045] In the embodiment of the present invention, various biometric imaging modules and procedures are implemented to capture biometric image data from fingerprint and/or vascular vein pattern. The embodied apparatus is functional to capturing additional forms of biometric image/data comprising, but not limited to, retina, iris, hand geometry, signature, and voice analysis. Furthermore, the step by step workings are readily understood by one of ordinary skill in the art.
[0046] A biometric information authenticating module is implemented in some embodiments, comprising a means for efficient communication between apparatus and user's financial institution. This module is facilitated by predetermined set of device protocols. Furthermore, the step by step workings are readily understood by one of ordinary skill in the art.
[0047] A biometric data input/output module is implemented in some specific embodiments, comprising of inputting a user's biometric data, generating an encryption algorithm, and transmitting said exemplary data. Additionally comprising of a verification protocol as well as decrypting the received data.
[0048] A biometric feedback module is embodied to provide audio and/or visual feedback to apparatus user. Furthermore, the embodied feedback module is facilitated to provide real-time feedback to apparatus manufacturer and/or maintenance technician, as well as user's financial institution. Furthermore, the step by step workings are readily understood by one of ordinary skill in the art.

[0049] A biometric storage module is embodied to comprise a means for biometric data to be securely encrypted and stored within apparatus. This module further comprises an inhibiting protocol for inhibiting any unverified attempt to gain access to said encrypted data. In some embodiments this storage module is only a temporary-storage module and the biometric data captured is deleted upon successful and/or unsuccessful verification sequence.
Furthermore, the modular workings and mechanical implementations are readily understood by one of ordinary skill in the art.
[0050] A biometric communication module is embodied to comprise a means for facilitating communication between apparatus and preferred networks. Some networks comprising, but not limited to, the apparatus service/monitoring network, and various financial institutions secure network. Additionally in the exemplary embodiment, pluralities of communication interfaces are utilized to help facilitate communication. Furthermore, the modular workings and mechanical aspects are readily understood by one of ordinary skill in the art.
[0051] In the embodiment of the present invention, a biometric fingerprint scanner is implemented to conduct and scan a user's unique biometric fingerprint.
Furthermore in the embodiment, the biometric fingerprint scanning device is equipped with an anti-falsification module that interprets if the scanned data was obtained in 2-D or 3-D. The exemplary scan is rejected if it is suspected to be a 2-Dimention falsification. The exemplary scan is processed if it is interpreted to be a real-time 3-Dimention scan of the user's biometric data. Furthermore, one of ordinary skill in the art will readily understand the mechanical workings and technical peripherals.
[0052] In the embodiment of the present invention, a biometric vascular vein scanner is implemented to scan and verify a user's unique subcutaneous patterns.
Furthermore, pluralities of scanning methods are implemented to obtain biometric data by utilizing various aspects and qualities of the infrared and near-infrared spectrum. Furthermore, one of ordinary skill in the art will readily understand the mechanical workings and technical aspects.
[0053] In the embodiment of the current invention a card reader is equipped to the apparatus.
This card reader is understood to read, scan, interpret, and communicate with the apparatus CPU
and user's financial institution. It is understood by one of ordinary skill, that the card reader device is functional to read and interact with a plurality of card-types. Card types including, but not limited to, credit cards with magnetic stripe and/or chip technology, and debit cards with magnetic stripe and/or chip technology. It is also understood that the card reading device is capable of reading `contactless' cards and `contactless' mobile devices.
Furthermore, the step by step workings are readily understood by one of ordinary skill in the art.
[0054] Furthermore in the embodiment of the current invention, a keypad is equipped to the apparatus. This exemplary keypad is implemented in a plurality of ways. Some implementations comprising, but not limited to, tactile integrated braille, numeric functionality, alphanumeric functionality, touch-screen functionality, and a means of `contactless' functionality. These implementations are understood to be general aspects and in no way limiting to the scope of the invention. Furthermore, the step by step workings are readily understood by one of ordinary skill in the art.
[0055] Moreover in the embodiment of the present invention, a PIN reader module is implemented by the disclosed apparatus. A user enters their PIN on the earlier described keypad, their PIN is then processed and authenticated. The PIN reader is a separate module with sensors for detecting suspicious anomalies. One of the methods by which criminals steal a person's PIN
is by placing a false keypad over an apparatuses real keypad. The PIN
information is then recorded and later used to defraud the account holder. This PIN reading module implements sensors that aid in detecting any tampering. Such sensors include, but not limited to, a weight sensor for detecting any added weight to any apparatus compartment that should not be present and also is not a result of normal operational use.
[0056] In the embodiment of the present invention, a printer is equipped to the apparatus. The printer is functional to provide a printed copy of various transactions.
Transactions including, but not limited to, passbook update, balances, and account activity. Furthermore, the step by step workings are readily understood by one of ordinary skill in the art.
[0057] In the embodiment of the current invention a secure enclosure for a plurality of financial instruments is implemented. This enclosure is only capable of being accessed by authorized apparatus service technicians, through the use of secure locks, sealing volts, and mechanisms.
Furthermore, the step by step workings are readily understood by one of ordinary skill in the art.
[0058] In the embodiment of the current invention, a cash dispenser is implemented by the disclosed apparatus. The cash dispenser is functional to dispense cash to authenticated user's.
The apparatus CPU is functional to interpret currency conversions and dispense the correct quantity of funds to the requesting user. Furthermore, the step by step workings are readily understood by one of ordinary skill in the art.
[0059] In the embodiment of the present invention, a display terminal is implemented by the disclosed apparatus. The display terminal is functional to provide visual instructions, inputs, and cues to the apparatus user. These instructions, inputs, and visual cues may be done via a plurality of methods. Some methods comprise of, but not limited to, a means for touch-screen interaction.
A means for visual assistance to those that may be differently-abled is also implemented by the disclosed apparatus. Furthermore, the step by step technological workings are readily understood by one of ordinary skill in the art.
[0060] In the embodiment of the present invention, a cash acceptor is implemented and utilized.
The disclosed cash acceptor is functional to accept cash into the apparatus and hold it securely for later processing. Furthermore, the step by step technological workings of the cash acceptor are readily understood by one of ordinary skill in the art.
[0061] In the embodiment of the present invention, a check acceptor is implemented and utilized. The disclosed check acceptor is functional to accept various forms of checks into the apparatus and hold it securely for later processing. Furthermore, the step by step technological workings of the check acceptor are readily understood by one of ordinary skill in the art.
[0062] In the embodiment of the present invention, a plurality of security cameras and detectors are implemented by the disclosed apparatus. The security cameras are functional to capture images and/or video in instances of suspicious activity. Some detectors and sensors comprise of, but not limited to, thermal, magnetic, and seismic. Furthermore, the step by step mechanical workings are readily understood by one of ordinary skill in the art.
[0063] In the embodiment of the present invention, a code reader is equipped to the disclosed apparatus. This code reader is functional to read and interpret secure codes on such 'contact' devices as tokens, and also `contactless' devices. Furthermore, the step by step operational workings are readily understood by one of ordinary skill in the art.

[0064] In the embodiment of the present invention, an encryption module is equipped to the disclosed apparatus. This module contains pluralities of algorithms for encrypting sensitive information and communicating it between both the biometric banking apparatus, and the apparatus user's financial institution. In one exemplary embodiment asymmetric encryption is employed. Nonetheless, it is understood by one of ordinary skill that a plurality of suitable encryption methods are capable of being employed.
[0065] In the embodiment of the present invention, a decryption module is equipped to the disclosed apparatus. This module is functional to decrypting encrypted data sent from apparatus and/or users financial institution. Furthermore, in-depth operational workings are readily understood by one of ordinary skill in the art.
[0066] In the embodiment of the present invention, a plurality of processing devices are utilized by the disclosed apparatus. These processing devices comprise, but not limited to, a central processing unit, a microcontroller, a control circuit, and a microprocessor.
The functionality of these components is readily understood by one of ordinary skill in the art.
[0067] In the embodiment of the current invention, a control module is equipped to the disclosed apparatus. The control module is functional to control access to various networks and communication procedures within the apparatus.
[0068] In the embodiment of the present invention, a wireless communication module is equipped to the disclosed apparatus. This module includes a receiver for receiving wireless signals from a plurality of networks. Some networks comprising, though not limited to, mobile, and Bluetooth networks.
[0069] In the embodiment of the present invention, an audio module is equipped to the apparatus. This audio module consists of a speaker operative to give audio signals as well as cues to apparatus user. This module is also operative to assist differently-abled user's to interact with the apparatus via audio aids.
[0070] In the embodiment of the present invention, a plurality of downstream ports are implemented. These ports are in data communication with a multiport hub. These ports are functional to the exchange of authorization codes and authorizing communication access. The functionality of these ports is readily understood by one of ordinary skill in the art.
[0071] In the embodiment of the current invention, a manufacture access module is equipped to the apparatus. This module is operative to enable authorized apparatus personnel with access to apparatus inner mechanisms.
[0072] In the embodiment of the present invention, a central processing unit (CPU) is implemented by the disclosed apparatus. This CPU is functional to communicate control all the processes within the apparatus. The functionality of the CPU is readily understood by one of ordinary skill in the art.
[0073] In the embodiment of the present invention, a secure crypto-processor is implemented by the apparatus. This secure crypto-processor is functional by employing multiple levels of physical and software/firmware security. The crypto-processor encrypts, decrypts, and executes instructions within the apparatus ergo maintaining a secure environment.
[0074] In the embodiment of the present invention, a cryptographic module is implemented by the apparatus. This module utilizes cryptographic logic, cryptographic algorithms, and cryptographic processes to help sustain a high level of apparatus security.
The functionality of the cryptographic module is readily understood by one of ordinary skill in the art.
[0075] In an embodiment of the present invention, a capacitive sensor is implemented by the disclosed apparatus. This sensor utilizes human body capacitance as an input.
The body capacitance is then utilized in some instances to operate touch devices on the apparatus.
[0076] In the embodiment of the present invention, a user interface module is implemented by the apparatus. This module enables user communication with apparatus as well as functionality of the apparatus. Functionality is actuated by a plurality of means, not limited to, touch screen, tactile buttons, keypad, and audio and video cues. The general operation of the module is readily understood by one of ordinary skill in the art.
[0077] In the embodiment of the present invention, a backup power device is equipped to the apparatus. This backup power device provides backup power to the apparatus in the event of loss of power. Distress signal is then communicated to apparatus monitoring network informing them of the loss of power. A surge protection device is also implemented to prevent apparatus damage in event of power surge.
[0078] In one aspect of the present invention, a memory management system is utilized. This system is functional to record and interact between the central processing unit and all apparatus functionality. An auxiliary memory management unit is also utilized by the disclosed invention to behave as a temporary-memory system. This auxiliary version of the memory management system is functional to execute predetermined instructions on what types of data to record and how long to store or erase such data. This system is responsive to reduce communication wait-time during any apparatus functionality and/or authentication sequence. The general workings and operation of this system is readily understood by one of ordinary skill in the art.
[0079] In the embodiment of the present invention, a token-based system is utilized. This token-based system is functional to allow and/or disallow the use and/or communication of tokens.
This system is operational to receive, authenticate, transmit, and execute commands from apparatus central processing unit. This system is responsive to allow and/or disallow access to a user's financial account by the initial stage of authenticating their contact/contactless token, and verifying/authenticating the account protocols and security features. In one exemplary embodiment a token may be in reference to a debit card and/or credit card, and/or any other contact device. In another exemplary embodiment a token may be a contactless device such as a mobile device, debit/credit card, and/or any other external contactless apparatus. The functionality of this system is readily understood by one of ordinary skill in the art.
[0080] In one embodiment of the present invention, a token-less system is utilized. This token-less system is responsive to communicate and retrieve user account profile and data without the use of a token. In the functionality of this system neither a contact token or contactless token is needed or utilized to initiate apparatus interaction and/or communication. In an exemplary enactment of this disclosed system a user approaches the apparatus and then simply places his/her hand directly on, or hold over, the biometric fingerprint and/or vein pattern scanner of the apparatus. This system then communicates the scanned biometric data and retrieves, populates, and initiates authentication sequence. The functionality of this system is readily understood by one of ordinary skill in the art.
[0081] In one aspect of the present invention, a response system for duress identification is utilized. This system is functional to respond to any detection of duress identification. During the user authentication process this system detects if any security parameters are breached. This system is not simply utilized to process an instance of unsuccessful verification, but instead to detect any suspicious anomalies trying to falsify themselves as successful indicators during the identification process. In an exemplary embodiment of this system, a fake token is inserted into apparatus and detected as being a falsification attempt by this system.
Apparatus authorities are them alerted of the instance of this action. Furthermore in this exemplary embodiment of this system, a fake model or sample is presented to the apparatus in the form of a fake fmgerprint replica and/or vein pattern replica and is detected by this system as being a fraudulent authorization attempt. One such exemplary way in which the apparatus utilizes this system is, although not limited by, detecting hemoglobin in living human blood as an indicator that this individual requesting authorization is both a human and as well as being a living person. The functionality of this system is readily understood by one of ordinary skill in the art.
[0082] In the embodiment of the present invention, a plurality of security systems are utilized.
These systems comprise of imaging systems as well as sensors. Some of these systems and sensors have previously been discussed in this disclosure. These systems comprise of both software, firmware, and hardware. All apparatus security means and systems share the intrinsic characteristic that they provide an alert indication once any condition and/or protocol has been met. Any alteration, or attempted alteration, of the disclosed apparatus is alerted to apparatus security authority. Tamper-detection software is also utilized by these systems to alert apparatus authorities in event of any confirmed apparatus tampering and/or suspicious indicators of possible and/or attempted tampering. The functionality of the disclosed systems is readily understood by one of ordinary skill in the art.
[0083] In one aspect of the disclosed invention, a zeroisation system is utilized. This system is functional to erase sensitive parameters from the apparatus in event of possible apparatus theft.
This system is responsive to insure sensitive data is not captured or disclosed to unauthorized person/persons in event of apparatus theft and/or tampering. The zeroisation system is in direct communication with apparatus memory management system as well as cryptographic processes.
The functionality of the disclosed system is readily understood by one of ordinary skill in the art.
[0084] In one aspect of the current invention, an event recorder system is utilized. This system is functional to record and log all events and interactions conducted and/or received by apparatus. This system operates by parameters set by the apparatus memory management and cryptographic systems. The functionality of the disclosed system is readily understood by one of ordinary skill in the art.
[0085] In one embodiment of the present invention, an encryption system is utilized. An encryption module has previously been discussed above. This system is associated with the above-discussed module and is functional to execute encryption keys communicating within a cryptographic module. This system is functional to both encrypt as well as decrypt data. This system is responsive to decrypt, encrypt, transmit, and verify secure keys and parameters within apparatus data sensitivity protocols. The functionality of the disclosed system is readily understood by one of ordinary skill in the art.
[0086] In one aspect of the disclosed invention, a feedback system is utilized. A feedback module has been previously discussed above. This system is directly associated with the above-discussed module and is functional to transmit feedback via electronic means, audio means, and/or visual means. This system communicated in real-time with apparatus authorities to provide data and execute functionality. The general functionality of the disclosed system is readily understood by one of ordinary skill in the art.

[0087] In one embodiment of the present invention, a dispatch communication system is utilized. This system is functional to communicate with apparatus authorities as well as dispatched maintenance personnel. This system has secure protocols and parameters to allow or disallow access to various secure enclosures. In one exemplary embodiment an apparatus controller schedules a secure cash re-fill. This system logs and verifies this data with the indicators and access keys provided by apparatus technician to determine if this is an authorized and/or previously confirmed scheduled interaction. The general functionality of the disclosed system is readily understood by one of ordinary skill in the art.
[0088] In one aspect of the present invention, a troubleshoot system is utilized. This system is responsive to perform routine schedule apparatus software and hardware checks, and to communicate this data with an apparatus authorized controller. This system is function to troubleshoot minor glitches itself while forwarding details of the occurrence to be simultaneously reviewed, as well as requesting an authorized apparatus technician to either remotely trouble shoot the problem or dispatch a service technician. The general functionality of the disclosed system is readily understood by one of ordinary skill in the art.
[0089] In one embodiment of the present invention, a user validating system is utilized. This system is functional to validate an authorized account holder based on specific predetermined parameters. In an exemplary embodiment this system is utilized in instances wherein a user requests additional security measures added to his/her account from financial service institution.
An example of an additional security request could be adding a password to the account. Another example of a specific security request could be a user requesting that only the fingerprint of a specific finger be deemed a successful authentication, or only a specific hand or body part deemed a successful vein pattern scan. This added security may be added in the event of any forced authentication wherein a user is forced by someone else to withdraw from an ATM. This system would immediately alert authorities that the user had activated his pre-set security alert measure and to review security systems and possibly contact and/or dispatch law enforcement.
The general functionality of the disclosed system is readily understood by one of ordinary skill in the art.
[0090] In one aspect of the present invention, a system to authenticate a user's PIN is utilized.
This system is functional to communicate and verify account data to allow or disallow access to further authentication steps and/or general account access.
[0091] In one embodiment of the present invention, a system for capturing a user's biometric image data is utilized. Aspects of this system have previously been discussed in general above.
This system is functional to interpret the scanned biometric image, transform it into secure encrypted data, and communicated it with apparatus CPU and user's financial institution. The general functionality of the disclosed system is readily understood by one of ordinary skill in the art.
[0092] In one aspect of the current invention, an angular displacement system is utilized. This system is functional to determine the precise angle of each biometric scan and correct the displacement data in correlation with authenticated data. In an exemplary embodiment, a user places their fingerprint on fingerprint reader to be scanned. The angle that the user places their fingerprint in this example is off by thirty degrees. The angular displacement system corrects this angle in the data and then processes it alongside the correct angle of user's authentic scan on file.
The general functionality of the disclosed system is readily understood by one of ordinary skill in the art.

[0093] In one embodiment of the present invention, a plurality of computer operating systems are functional to be utilized. Systems such as MICROSOFT WINDOWS, LINUX, and/or any other dedicated operating systems designed specifically for the disclosed apparatus.
[0094] In one aspect of the present invention, a currency conversion system is utilized. This system provides the apparatus with the capability to interpret and communicate foreign exchange rates to apparatus user. The exemplary user then can decide to proceed with transaction if the rate provided is acceptable or decline the transaction. The disclosed biometric apparatus may or may not charge a fee for doing currency conversions and/or authenticating transactions with foreign financial institutions.
[0095] In one aspect of the present invention, a global positioning system is utilized. This system allows the disclosed biometric apparatus to emit its coordinates and communicate with authorized apparatus control personnel. The functionality of the disclosed system is readily understood by one of ordinary skill in the art.
[0096] In one embodiment of the present invention, a software repository is utilized. This repository is functional to store authorized software packages and deploy a package management system. These systems allow functionality to install, upgrade, troubleshoot, and/or remove some specific aspects of various apparatus software packages.
[0097] In one aspect of the present invention, a 3D rendering system is utilized. This system is responsive to determine that biometric scanned data is of an actual 3D user bodily section and not a 2D falsification or attempted falsification.
[0098] In one aspect of the disclosed invention, biometric imaging systems are utilized. These systems comprise capturing, transforming, and communicating biometric fingerprint and vein pattern data for authentication. Aspects of these systems have previously been discussed above.
[0099] In the embodiment of the disclosed invention a plurality of methods are employed.
These methods comprising, but not limited to, a plurality of steps. A
registration step wherein a user registers with a financial institution to open a biometric account. In this exemplary registration step the user selects the exact type of biometric account and transaction capabilities needed to address their needs. Furthermore, in this registration step if a user already has an account with a financial institution it can be transitioned into a biometric account. An input step wherein a user provides their Identification to be verified and recorder by financial institution. A
sampling step wherein a user provides their biometric properties to be sampled, captured, and recorder by financial institution. A token step wherein a token based aid is added to user's biometric account. This token comprising of, but not limited to, a debit/credit smart-card and/or swipe-card. This token is also capable of being a 'contact' and/or `contactless' device. A
secondary input step further comprising of a user has the option to select a secure PIN to be synced to their biometric account and token. A protocol step further comprising account limits and transaction protocols agreed upon by users and their financial institutions. Some exemplary protocols could be withdrawal limits from biometric apparatus, and POS
terminal purchase limits. A closing step further comprising a user and their financial institution agree upon confidentiality matters and account is activated. Within this closing step all the terms of agreement are discussed and accepted. An initiation step further comprising a user inserting their token to be read by a biometric banking machine. This exemplary initiation comprises a first initiation wherein a user upon activating account can initiate access to their account and perform any requests or changes. An identification step comprising a user placing their finger and/or hand on biometric fingerprint and/or vascular vein scanner to be read. A
communication step wherein the captured biometric data is communicated to financial institution database and authenticated.
An access step wherein, depending successful authentication, access is either granted or denied.

Claims

1. A biometric banking machine apparatus comprising, but not limited to:
A biometric imaging module;
A biometric information authenticating module;
An automated teller machine (ATM) equipped with a biometric fingerprint reader;
An ATM equipped with a biometric vascular vein pattern reader;
A biometric input module;
A biometric output module;
A biometric feedback module;
A biometric storage module;
A biometric communication module;
A biometric fingerprint scanning module;
A biometric vascular vein scanning module;
A card reader;
A keypad;
A PIN (Personal Identification Number) reader module;
A printer;
A secure enclosure for a plurality of financial instruments;
A cash dispenser;
A display terminal;
A cash acceptor;
A check acceptor;
A plurality of security cameras and detectors;
A plurality of alarm sensors and protocols;
A code reader;
A wireless communication module;
An encryption module;
A decryption module;
A processing device;
A control module;
Audio and visual modules;
A plurality of downstream ports;

An apparatus access module;
A means for apparatus maintenance;
A CPU processor;
A secure crypto-processor;
A cryptographic module;
A plurality of locks, sealing volts, and secure enclosures;
A plurality of security sensors, not limited to, thermal, magnetic, and seismic;
A capacitive sensor;
A user interface module;
A coupling device;
A backup power device;
An imaging module;
An infrared scanning module;
A means for 'contact' and/or 'contactless' biometric fingerprint recognition;
A means for 'contact' and/or 'contactless' biometric vascular vein pattern recognition.

2. The apparatus of claim 1, further comprising a biometric vascular vein scanning device arranged to acquire subcutaneous vein pattern information from a plurality of bodily sections. Sections comprising, but not limited to, the finger, palm, and hand of a living human person.

3. The apparatus of claim 1, further comprising a biometric fingerprint scanning device arranged to acquire fingerprint information from a plurality of sections.
Fingerprint sections comprising, but not limited to, individual fingers, groupings of fingers, palm, and/or entire hand print.

4. The apparatus of claim 1, further comprising a means for 'contactless' biometric fingerprint recognition wherein a person places their hand over a fingerprint imaging reader and their biometric data is scanned without need of physical contact to the terminal.

5. The apparatus of claim 1, further comprising a means for 'contactless' biometric vascular vein pattern recognition wherein a user places their hand over a vascular vein imaging device and their biometric data is scanned without the need of physical contact to the terminal.

6. The apparatus of claim 1, further comprising a means for biometric fingerprint data to be obtained by a 'contact' scanning device. Wherein physical contact to the scanning device is required to engage authentication sequence.

7. The apparatus of claim 1, further comprising a means for biometric vascular vein pattern data to be obtained by a 'contact' scanning device. Wherein physical contact to the scanning device is required to commence authentication sequence.

8. The apparatus of claim 1, further comprising a near-infrared scanning module wherein a selected bodily section is illuminated by harmless near-infrared light to reveal the unique vein pattern of the selected section.

9. The apparatus of claim 1, further comprising an infrared scanning module wherein a selected bodily section is illuminated by additional non-invasive aspects of the infrared spectroscopy. Aspects comprising, although not limited to, near-infrared, mid-infrared, and far-infrared.

10. The apparatus of claim 1, further comprising a keypad embodied in a plurality of functional forms. Some forms consisting, but not limited to, numeric, alphanumeric, touch-screen, and tactile integrated braille.

11. A plurality of biometric banking systems comprising, but not limited to:
A memory management system;
A token-based system;
A token-less system;
A communication enabling system;
A response system for duress identification;
A plurality of security systems;
Tamper-detection software;
A zeroisation system;
A plurality of biometric authentication systems;
An event recorder system;
An encryption system;
A decryption system;
A feedback system;
A dispatch communication system;
A troubleshoot system;
A user validating system;
A backup power system;
A system to authenticate a user's PIN;
A system for capturing a user's biometric image data;
An angular displacement system;
A plurality of computerized operating systems;
A plurality of programming environments;
A currency conversion system;
A global positioning system (GPS);
A software repository;
A package management system;
A software repository;

A fingerprint imaging system;
A vascular vein pattern imaging system;
A 3D rendering system.

12. A series of methods associated with automated biometric banking machines comprising, but not limited to:
A method for operating a card reader device;
A method for displaying a plurality of user interface capabilities;
A method for enabling user-selectable transaction options;
A method for authenticating swipe/smart card data;
A method for authenticating biometric fingerprint and vein pattern image data;
A method to obtain account identifying data;
A method for validating account identifiers;
A plurality of communication methods;
A PIN authenticating method;
A security alert method;
A method for reading encrypted information;
A feedback method;
An anti-tampering method;
A method for memory management;
An alarm activation method;
A surge protection method;
A method for operating a biometric fingerprint reading device;
A method for operating a biometric vascular vein pattern reading device;
A method for requesting various printer transactions;
A means for accepting electronic indicators from user's financial institution;
A means for accepting electronic indicators from apparatus manufacturer;
A means for cash to be dispensed;
A means for check to be deposited.

13. The method of claim 12, further comprising a security alert method wherein financial institution and/or apparatus maintenance and monitoring personnel is alerted upon breach of predetermined apparatus security parameters.

14. A method for token-aided biometric access to financial accounts using an automated biometric banking machine. The method, not limited to, but comprising the steps of:
A registration step;
An input step;

A sampling step;
A token step;
A secondary input step;
An account protocol step;
Closing step;
An initiation step;
An identification step;
A communication step;
An access step.

15. The method of claim 14, wherein the user registration step further comprises a user registering with a financial institution to open a biometric banking account and/or transition there existing account into a biometric banking account.

16. The method of claim 14, wherein the input step further comprises a user providing their identification to be verified, recorded, and input into the financial institutions database.

17. The method of claim 14, wherein biometric samples are taken. These samples comprising of, but not limited to, biometric fingerprint samples and/or biometric vascular vein pattern samples.

18. The method of claim 14, wherein a token based aid is added to user's biometric account.
This token comprising of, but not limited to, a debit/credit smart-card and/or swipe-card.

19. The method of claim 14, wherein a secondary input step further comprising of a user selecting a secure PIN to be synced to their biometric account and token.

20. The method of claim 14, wherein a protocol step further comprising account limits and transaction protocols agreed upon by users and their financial institutions.

21. The method of claim 14, wherein a closing step further comprising a user and their financial institution agree upon confidentiality matters and account is activated.

22. The method of claim 14, wherein an initiation step further comprising a user inserting their token to be read by a biometric banking machine.

23. The method of claim 14, wherein an identification step further comprising a user placing their finger and/or hand on biometric fingerprint and/or vascular vein scanner to be read

24. The method of claim 14, wherein an identification step further comprising a user's biometric fingerprint and/or biometric vascular vein pattern read by a 'contact' and/or 'contactless' scanning device.

25. The method of claim 14, wherein a communication step further comprising communication between financial institution and biometric banking apparatus for purposes of authentication and validation.

26. The method of claim 14, wherein an access step further comprises of access being denied and restricted in the event of unsuccessful biometric verification.

27. The method of claim 14, wherein an access step further comprises of access being granted upon successful biometric authentication.

28. The method of claim 14, further comprising of a PIN authentication step.

29. A biometric banking apparatus is claimed further comprising a point of sale terminal POS equipped with a biometric fingerprint reader.

30. A biometric banking apparatus is claimed further comprising a POS terminal equipped with a biometric vascular vein pattern reader.

31. A means for scanning and authenticating various forms of biometric data including, but not limited to, retina scan, iris scan, facial recognition, hand geometry, signature, and voice analysis.