Automated banking machine with nonconctact reading of card data

Details Automated banking machine with nonconctact reading of card data Automated banking machine with nonconctact reading of card data

2011-08-09

2011-08-09

Le, Thien M. (Department: 2887)

Registers

Systems controlled by data bearing records

Banking systems

C235S380000, C235S451000, C235S492000

Reexamination Certificate

active

07992776

ABSTRACT:
An automated banking machine can receive user card data from a cell phone. The phone stores the card data of several selectable cards, including electronic account number data. The machine generates and displays a random number correlated with a time period. A machine user manually inputs the displayed random number into their phone. A software application in the phone encrypts the selected card data along with the inputted random number data. The phone displays a bar code image containing the encrypted data. The banking machine includes a bar code reader which can read the displayed image. The machine causes the read data to be decrypted. The random number is used to verify the current transaction session. Thereafter, the user may provide other inputs, including PIN input. The process replaces physical insertion of a card yet allows secure input of the card data. Possible data interception from activities requiring card insertion are also reduced.

REFERENCES:
patent: 6045039 (2000-04-01), Stinson et al.
patent: 6105009 (2000-08-01), Cuervo
patent: 6253997 (2001-07-01), Inaoka et al.
patent: 6607081 (2003-08-01), Graef et al.
patent: 7137550 (2006-11-01), Petite
patent: 2002/0017556 (2002-02-01), Putman et al.
patent: 2004/0122771 (2004-06-01), Celi et al.

Affiliated with

Also associated with

Rating

Automated banking machine with nonconctact reading of card data does not yet have a rating. At this time, there are no reviews or comments for this patent.

If you have personal experience with Automated banking machine with nonconctact reading of card data, we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Automated banking machine with nonconctact reading of card data will most certainly appreciate the feedback.

Rate now

Comments { 0 }

Profile ID: LFUS-PAI-O-2719083