Diebold, Inc.

Diebold Self-Service Systems Division of Diebold, Inc.

Die Old, Incorporated

Timothy Zajkowski

Mark D Smith

Anne E Doland

Anne A Konecny

Walter Harris

An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine is also operative to receive secure communications from a host system that are operative to enable the automated banking machine to carry out banking transactions in response to an input of a personal identification number.

Automated banking machine that operates responsive to data bearing records

An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine is also operative to receive secure communications from a host system that are operative to enable the automated banking machine to carry out banking transactions in response to an input of a personal information number.

An automated banking machine () is provided. The machine may be operative to install a terminal master key (TK) therein in response to at least one input from a single operator. The machine may include an EPP () that is operative to remotely receive an encrypted terminal master key from a host system (). The machine may authenticate and decrypt the terminal master key prior to accepting the terminal master key. The machine may further output through a display device () of the machine a one-way hash of at least one public key associated with the host system. The machine may continue with the installation of the terminal master key in response to an operator confirming that the one-way hash of the public key corresponds to a value independently known by the operator to correspond to the host system.

Automated banking machine system and method

A card activated cash dispensing automated banking machine is provided that is operative to send a message to a host banking system, which message includes data representative of a request to transfer an encrypted terminal master key from the host banking system to the automated banking machine. A processor in an encrypting pin pad (EPP) in the automated banking machine is operative to decrypt a received encrypted terminal master key using an asymmetric encryption algorithm with a first private asymmetric key previously stored in the EPP. The EPP is operative to store the terminal master key in the EPP for use with decrypting at least one further key received from the host banking system.

Automated banking machine remote key load system and method

A cash dispensing automated banking machine that operates in response to data read from user cards includes a cash dispenser, keypad, and a card reader. The card reader is operative to read data bearing records such as user cards that include financial account information. The machine may include an encrypting pin pad (EPP) that is operative to remotely receive an encrypted terminal master key from a host banking system. The machine may authenticate and decrypt the terminal master key prior to accepting the terminal master key using a public key of a certificate authority. The machine may further receive and authenticate a new public for a new certificate authority for use with authenticating further terminal master keys.

Card activated cash dispensing automated banking machine system and method

A card activated cash dispensing automated banking machine is provided. The machine may be operative to install a terminal master key (TK) therein in response to at least one input from a single operator. The machine may include an EPP that is operative to remotely receive an encrypted terminal master key from a host system. The machine may authenticate and decrypt the terminal master key prior to accepting the terminal master key. The machine may further output through a display device of the machine a one-way hash of at least one public key associated with the host system. The machine may continue with the installation of the terminal master key in response to an operator confirming that the one-way hash of the public key corresponds to a value independently known by the operator to correspond to the host system.

A card activated cash dispensing automated banking machine () is provided. The machine may be operative to install a terminal master key (TK) therein in response to at least one input from a single operator. The machine may include an EPP () that is operative to remotely receive an encrypted terminal master key from a host system (). The machine may authenticate and decrypt the terminal master key prior to accepting the terminal master key. The machine may further output through a display device () of the machine a one-way hash of at least one public key associated with the host system. The machine may continue with the installation of the terminal master key in response to an operator confirming that the one-way hash of the public key corresponds to a value independently known by the operator to correspond to the host system.

An encryption key transfer system is provided. The system may be operative to generate encrypted files on a portable storage medium which may be used to transfer encrypted keys between ATMs using a single operator. Such secret encrypted keys may include a terminal master key. The system may include a source ATM and a target ATM with a common software program and/or hardware installed in each ATM. The source ATM may use secret information associated with the common software program and/or hardware and other randomly generated information to securely encrypt the secret encryption keys. The source ATM may further store the encrypted secret encryption keys and the randomly generated information on a portable storage medium. The target ATM may be operative to decrypt the secret encrypted keys using the secret information associated with the common software program and/or hardware and the randomly generated information retrieved from the portable storage medium.

Automated banking machine key loading system and method

System and method of securely installing a terminal master key on an automated banking machine

An encryption key transfer system, the system may be operative to generate encrypted files on a portable storage medium which may be used to transfer encrypted keys between ATMs using a single operator. Such secret encrypted keys may include a terminal master key. The system may include a source ATM and a target ATM with a common software program and/or hardware installed in each ATM. The source ATM may use secret information associated with the common software program and/or hardware and other randomly generated information to securely encrypt the secret encryption keys. The source ATM may further store the encrypted secret encryption keys and the randomly generated information on a portable storage medium. The target ATM may be operative to decrypt the secret encrypted keys using the secret information associated with the common software program and/or hardware and the randomly generated information retrieved from the portable storage medium.

An automated banking machine ( ) is provided. The machine may be operative to install a terminal master key (TK) therein in response to at least one input from a single operator. The machine may include an EPP ( ) that is operative to remotely receive an encrypted terminal master key from a host system ( ). The machine may authenticate and decrypt the terminal master key prior to accepting the terminal master key. The machine may further output through a display device ( ) of the machine a one-way hash of at least one public key associated with the host system. The machine may continue with the installation of the terminal master key in response to an operator confirming that the one-way hash of the public key corresponds to a value independently known by the operator to correspond to the host system.

Growing community of inventors

Uniontown, OH, United States of America

Timothy Zajkowski