Card reading automated banking machine authorization based on user location verification

US7866544B1 · kind B1 · utility

Assignee

• Diebold Self-Service Systems, Division of Diebold, Incorporated · US

Inventors

• James Block · North Lawrence, US
• H. Thomas Graef · Bolivar, US
• Natarajan Ramachandran · Uniontown, US
• Jeffery M. Enright · Akron, US
• Dale H. Blackson · Highland Heights, US

Key dates

• Filing date: Mar 7, 2006
• Grant date: Jan 11, 2011
• Expiry date: Sep 2, 2029

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04W4/021
• WIPO field: Control
• WIPO sector: Instruments

Abstract

An ATM transaction request is authorized based on the determined location of an authorized user relative to the ATM. Identification of an authorized ATM user is linked to a remotely locatable item (e.g., a cell phone) of the authorized user. An ATM receiving the identification causes the location of the cell phone to be determined. A comparison is then made of the cell phone location and the ATM location. If the locations correspond, then the current ATM user is recognized as the authorized user and ATM transactions are permitted. If the locations do not correspond, then the current ATM user is denied ATM transactions. The security arrangement can prevent an unauthorized ATM user from using a fraudulent ATM card to access a financial account.