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Sommaire du brevet 2529005 

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Disponibilité de l'Abrégé et des Revendications

L'apparition de différences dans le texte et l'image des Revendications et de l'Abrégé dépend du moment auquel le document est publié. Les textes des Revendications et de l'Abrégé sont affichés :

  • lorsque la demande peut être examinée par le public;
  • lorsque le brevet est émis (délivrance).
(12) Brevet: (11) CA 2529005
(54) Titre français: GUICHET AUTOMATIQUE BANCAIRE PRESENTANT UNE RESISTANCE AMELIOREE A LA FRAUDE
(54) Titre anglais: AUTOMATED BANKING MACHINE WITH IMPROVED RESISTANCE TO FRAUD
Statut: Octroyé
Données bibliographiques
(51) Classification internationale des brevets (CIB):
  • G07F 19/00 (2006.01)
(72) Inventeurs :
  • RAMACHANDRAN, NATARAJAN (Etats-Unis d'Amérique)
  • ENRIGHT, JEFFERY M. (Etats-Unis d'Amérique)
  • BLACKSON, DALE (Etats-Unis d'Amérique)
(73) Titulaires :
  • DIEBOLD, INCORPORATED (Etats-Unis d'Amérique)
(71) Demandeurs :
  • DIEBOLD, INCORPORATED (Etats-Unis d'Amérique)
(74) Agent:
(74) Co-agent:
(45) Délivré: 2010-08-10
(86) Date de dépôt PCT: 2004-05-07
(87) Mise à la disponibilité du public: 2005-01-06
Requête d'examen: 2005-12-09
Licence disponible: S.O.
(25) Langue des documents déposés: Anglais

Traité de coopération en matière de brevets (PCT): Oui
(86) Numéro de la demande PCT: PCT/US2004/014477
(87) Numéro de publication internationale PCT: WO2005/001598
(85) Entrée nationale: 2005-12-09

(30) Données de priorité de la demande:
Numéro de la demande Pays / territoire Date
10/601,813 Etats-Unis d'Amérique 2003-06-23
60/560,674 Etats-Unis d'Amérique 2004-04-07

Abrégés

Abrégé français

L'invention concerne un guichet automatique bancaire (10) équipé d'un premier panneau frontal verrouillable (20) qui, lorsqu'il est déverrouillé, permet d'accéder à un dispositif de saisie à serrure auberonnière (104) sur lequel des données sont saisies pour ouvrir une porte du coffre (18) de la machine. L'ouverture du premier panneau frontal permet également d'accéder à un actionneur (116) pouvant enclencher le mouvement d'un second panneau frontal (22) autorisant la conduite d'activités de service. Un contrôleur (72) intégré à la machine éclaire sélectivement des dispositifs électroluminescents (118, 126) aux fins de faciliter l'exploitation de la machine par l'usager. Des dispositifs de détection (128) adjacents à une fente du lecteur de cartes (28) ménagée sur la machine permettent au contrôleur de détecter la présence d'un dispositif de fraude ou de lecteurs de cartes non autorisés. Des dispositifs de détection (254) jouxtant un clavier (32) permettent au contrôleur de détecter la présence d'un dispositif manuel d'interception de données saisies non autorisé.


Abrégé anglais




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.

Revendications

Note : Les revendications sont présentées dans la langue officielle dans laquelle elles ont été soumises.



34

CLAIMS

We claim:

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.



35

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.



36

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



37

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;



38

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.



39

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.



40

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.



41

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



42

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.



44

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.



45

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.



46

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:



47

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.


Description

Note : Les descriptions sont présentées dans la langue officielle dans laquelle elles ont été soumises.



CA 02529005 2005-12-09
WO 2005/001598 PCT/US2004/014477
AUTOMATED BANKING MACHINE WITH IMPROVED
RESISTANCE TO FRAUD
TECHNICAL FIELD
This invention relates to automated banking machines. Specifically
this invention relates to automated banking machine apparatus, systems and
methods that provide for improved reliability and serviceability.
BACKGROUND ART
Automated banking machines are known. A common type of
automated banking machine used by consumers is an automated teller
machine ("ATM"). ATMs enable customers to carry out banking transactions.
Examples of banking transactions that are sometimes carried out with ATMs
include the dispensing of cash, the making of deposits, the transfer of funds
between accounts, the payment of bills, the cashing of checks, the purchase of
money orders, the purchase of stamps, the purchase of tickets, the purchase of
phone cards and account balance inquiries. The types of banking transactions
a customer can carry out at an ATM are determined by the particular banking
machine, the system in which it is connected and the programming of the
machine by the entity responsible for its operation.
Other types of automated banking machines may be operated in other
types of environments. For example certain types of automated banking
machines may be used in a customer service environment. For example
service providers may use certain types of automated banking machines for
purposes of counting currency or other items that are received from or which
are to be given to a customer. Other types of automated banking machines
may be used to validate items which provide the customer with access, value
or privileges such as tickets, vouchers, checks or other financial
instruments.
Other examples of automated banking machines may include machines which
are operative to provide users with the right to merchandise or services in an


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2
attended or a self service environment. For purposes of this disclosure an
automated banking machine shall be deemed to include any machine may be
operated to carry out transactions including transfers of value.
Automated banking machines are typically used in environments
where they carry out or support the conduct of transactions. It is desirable
to
keep automated banking machines in operation at all appropriate times to the
extent possible. If a machine should experience a fraud attempt, it is useful
to
detect such attempt and return the machine to service as quickly as possible.
Thus, there exists a need for improvements in the operation, reliability,
servicing and repair of automated banking machines.
DISCLOSURE OF INVENTION
It is an object of an exemplary embodiment of the invention to provide
an automated banking machine.
It is a further object of an exemplary embodiment of the invention to
provide an automated banking machine which provides for reliable
illumination of transaction areas while facilitating servicing of the machine.
It is a further object of an exemplary embodiment of the invention to
provide an automated banking machine that facilitates the detection of
fraudulent activity which may be attempted at the machine.
It is a further object of an exemplary embodiment of the invention to
provide an automated banking machine which improved capabilities.
It is a further object of an exemplary embodiment of the invention to
provide an automated banking machine which reduces the risk of unauthorized
access to devices and operations of the machine.
Further objects of exemplary embodiments will be made apparent in
the following Best Modes for Carrying Out Invention and the appended
claims.
The foregoing objects are accomplished in some exemplary
embodiments by an automated banking machine which is an ATM. The ATM


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3
includes a plurality of transaction function devices. In the exemplary
embodiment the transaction function devices include input and output devices
which are part of a user interface. In the exemplary embodiment the
transaction function devices also include devices for carrying out types of
banking transactions such as a currency dispenser device and a deposit
accepting device. The exemplary ATM also includes at least one computer
which is generally referred to herein as a controller, and which is operative
to
cause the operation of the transaction function devices in the machine.
In an exemplary embodiment the ATM includes a housing with a
secure chest portion and an upper housing area. The chest portion houses
certain transaction function devices such as the currency dispenser device.
The chest portion includes a chest door which is generally secured but which
is capable of being opened when unlocked by authorized persons.
In the exemplary embodiment the upper housing area includes a first
portion and a second portion. Access to the first and second portions are
controlled by independently movable first and second fascia portions. In the
exemplary embodiment one or more devices that must be manipulated in order
to unlock the chest door are positioned within the first housing area. Access
to the first portion of the upper housing is controlled by a fascia lock in
operative connection with the first fascia portion.
In some exemplary embodiments during operation of the ATM, the
transaction areas are illuminated to facilitate operation of the machine by
users. In an exemplary embodiment the controller of the ATM is operative to
illuminate the transaction areas at those times when the user would be
expected to receive or place items in such transaction areas during the
conduct
of transactions. This facilitates guiding the user to the particular
transaction
area on the machine even when the machine is being operated during daylight
hours.
In some exemplary embodiments the capability of illuminating
selected areas of the machine during certain transaction steps may be utilized


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4
in conjunction with anti-fraud devices. In an exemplary embodiment anti-
fraud devices are used to reduce the risk that an unauthorized card reading
device is installed externally of the machine adjacent to the card reader slot
of
the machine fascia. Criminals are sometimes ingenious and in the past some
have produced reading devices that can intercept magnetic stripe data on cards
that are being input to an ATM by a consumer. By intercepting this data,
criminals may be able to conduct unauthorized transactions with the
consumer's card number. Such external reading devices may be made to
appear to be a part of the normal ATM fascia.
In an exemplary embodiment the housing in surrounding relation of
the card reader slot is illuminated responsive to operation of the controller.
In
some exemplary machines the housing is operative to illuminate an area
generally entirely surrounding the slot so as to make it more readily apparent
to a user that an unauthorized modification or attachment to the fascia may
have been made.
In some exemplary embodiments during normal operation, the
illumination of the area surrounding the fascia card slot is operative to help
to
guide the user to the slot during transactions when a user is required to
input
or take their card. The exemplary ATM is provided with radiation sensing
devices positioned adjacent to the illumination devices that are operative to
illuminate the area surrounding the card reader slot. The exemplary controller
is programmed to sense changes in the magnitude of radiation sensed by the
one or more radiation sensing devices. The installation of an unauthorized
card reading device in proximity to the card reading slot generally produces a
change in the magnitude of the radiation sensed by the radiation sensing
devices. The exemplary controller is programmed to recognize such changes
and to take appropriate action in response thereto so as to reduce the
possibility of fraud. Such action may include in some exemplary
embodiments, the machine sending a status message through a network to a
person to be notified of a possible fraud condition. Such actions may also


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include in some embodiments, warning the user of the machine to look for the
installation of a possible fraud device. Of course these approaches are
exemplary and in other embodiments other approaches may be used.
In some exemplary embodiments sensing devices may be provided in
proximity to the keypad used by the customer to provide inputs, such as a
personal identification number (PIN). Such sensors may be of the radiation
sensing type or other type. Such sensors are adapted to sense the installation
of unauthorized input intercepting devices above or adjacent to the keypad.
The sensing of such an unauthorized device may cause an exemplary
controller in the machine to give notice of the potential fraud device and/or
to
cease or modify the operation of the machine to reduce the risk of
interception
of customer inputs. In some exemplary embodiments radiation emitting
devices used for sensing may provide outputs of visible light and may be used
to guide a user at appropriate times during transactions to provide inputs to
the
keypad.
As will be appreciated, the foregoing objects and examples are
exemplary and embodiments of the invention need not meet all or any of the
foregoing objects, and need not include all or any of the exemplary features
described above. Additional aspects and embodiments within the scope of the
claims may be devised by those having skill in the art based on the teachings
set forth herein.
BRIEF DESCRIPTION OF DRAWINGS
Figure 1 is an isometric external view of an exemplary automated
banking machine which is an ATM and which incorporates some aspects and
features of inventions claimed in the present application.
Figure 2 is a front plan view of the ATM shown in Figure 1.
Figure 3 is a transparent side view showing schematically some
internal features of the ATM.
Figure 4 is a schematic view representative of the software architecture
of an exemplary embodiment.


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Figure 5 is a front view showing the fascia portion moved to access a
first portion of an upper housing of the machine.
Figure 6 is a partially transparent side view showing air flow through
an air cooling opening of the machine.
Figure 7 is an isometric view of the ATM shown in Figure 1 with the
components of the upper housing portion removed.
Figure 8 is a schematic side view of the housing showing
schematically the illumination system for the transaction areas and
representing in phantom the movement of the upper fascia portion so as to
provide access for servicing.
Figure 9 is a schematic view of an illumination and anti-fraud sensing
device which bounds a card reader slot of an exemplary embodiment.
Figure 10 is a schematic side view of an unauthorized card reading
device in operative connection with a housing of the anti-fraud sensor.
Figure 11 is a schematic view of exemplary logic for purposes of
detecting the presence of an unauthorized card reading device in proximity to
the card reader during operation of the ATM.
Figure 12 is an exemplary side, cross sectional view of an ATM
keypad.
Figure 13 is a schematic representation of a sensor for sensing whether
an unauthorized key input sensing device has been placed adjacent to the
keypad.
Figure 14 is a view of a keypad similar to Figure 12 but with an
unauthorized key input sensing device attached.
Figure 15 is a schematic representation similar to Figure 13, but
representing the change in reflected radiation resulting from the attachment
of
the unauthorized key input sensing device.
BEST MODES FOR CARRYING OUT INVENTION


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7
Referring now to the drawings and particularly to Figure 1, there is
shown therein an exemplary embodiment of an automated banking machine
generally indicated 10. In the exemplary embodiment automated banking
machine 10 is a drive up ATM, however the features described and claimed
herein are not necessarily limited to ATMs of this type. The exemplary ATM
includes a housing 12. Housing 12 includes an upper housing area 14 and a
secure chest area 16 in a lower portion of the housing. Access to the chest
area 16 is controlled by a chest door 1 ~ which when unlocked by authorized
persons in the manner later explained, enables gaining access to the interior
of
the chest area.
The exemplary ATM 10 further includes a first fascia portion 20 and a
second fascia portion 22. Each of the fascia portions is movably mounted
relative to the housing as later explained, which in the exemplary embodiment
facilitates servicing.
The ATM includes a user interface generally indicated 24. The
exemplary user interface includes input devices such as a card reader 26
(shown in Figure 3) which is in connection with a card reader slot 2~ which
extends in the second fascia portion. Other input devices of the exemplary
user interface 24 include function keys 30 and a keypad 32. The exemplary
ATM 10 also includes a camera 34 which also may serve as an input device
for biometric features and the like. The exemplary user interface 24 also
includes output devices such as a display 36. Display 36 is viewable by an
operator of the machine when the machine is in the operative condition
through an opening 3~ in the second fascia portion 22. Further output devices
in the exemplary user interface include a speaker 40. A headphone jack 42
also serves as an output device. The headphone jack may be connected to a
headphone provided by a user who is visually impaired to provide the user
with voice guidance in the operation of the machine. The exemplary machine
further includes a receipt printer 44 (see Figure 3) which is operative to
provide users of the machine with receipts for transactions conducted.


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Transaction receipts are provided to users through a receipt delivery slot 46
which extends through the second fascia portion. Exemplary receipt printers
that may be used in some embodiments are shown in U.S. Patent No.
5,729,379 and U.S. Patent No. 5,850,075, the disclosures of which are
incorporated by reference herein. It should be understood that these input and
output devices of the user interface 24 are exemplary and in other
embodiments, other or different input and output devices may be used.
In the exemplary embodiment the second fascia portion has included
thereon a deposit envelope providing opening 48. Deposit envelopes may be
provided from the deposit envelope providing opening to users who may place
deposits in the machine. The second fascia portion 20 also includes a fascia
lock 50. Fascia lock 50 is in operative connection with the second fascia
portion and limits access to the portion of the interior of the upper housing
behind the fascia to authorized persons. In the exemplary embodiment fascia
lock 50 comprises a key type lock. However, in other embodiments other
types of locking mechanisms may be used. Such other types of locking
mechanisms may include for example, other types of mechanical and
electronic locks that are opened in response to items, inputs, signals,
conditions, actions or combinations or multiples thereof.
The exemplary ATM 10 further includes a delivery area 52. Delivery
area 52 is in connection with a currency dispenser device 54 which is
alternatively referred to herein as a cash dispenser, which is positioned in
the
chest portion and is shown schematically in Figure 3. The delivery area 52 is
a transaction area on the machine in which currency sheets are delivered to a
user. In the exemplary embodiment the delivery area 52 is positioned and
extends within a recessed pocket 56 in the housing of the machine.
ATM 10 further includes a deposit acceptance area 58. Deposit
acceptance area is an area through which deposits such as deposit envelopes to
be deposited by users are placed in the machine. The deposit acceptance area
58 is in operative connection with a deposit accepting device positioned in
the


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chest area 16 of the ATM. Exemplary types of deposit accepting devices are
shown in U.S. Patent No. 4,884,769 and U.S. Patent No. 4,597,330, the
disclosures of which are incorporated herein by reference.
In the exemplary embodiment the deposit acceptance area serves as a
transaction area of the machine and is positioned and extends within a
recessed pocket 60. It should be understood that while the exemplary
embodiment of ATM 10 includes an envelope deposit accepting device and a
currency sheet dispenser device, other or different types of transaction
function devices may be included in automated banking machines and devices
encompassed by the present invention. These may include for example, check
and/or money order accepting devices, ticket accepting devices, stamp
accepting devices, card dispensing devices, money order dispensing devices
and other types of devices which are operative to carry out transaction
functions.
In the exemplary embodiment the ATM 10 includes certain
illuminating devices which are used to illuminate transaction areas, some of
which are later discussed in detail. First fascia portion 20 includes an
illumination panel 62 for illuminating the deposit envelope providing opening.
Second fascia portion 22 includes an illumination panel 64 for illuminating
the
area of the receipt delivery slot 46 and the card reader slot 28. Further, an
illuminated housing 66 later discussed in detail, bounds the card reader slot
28. Also, in the exemplary embodiment an illuminating window 68 is
positioned in the recessed pocket 56 of the delivery area 52. An illuminating
window 70 is positioned in the recessed pocket 60 of the deposit acceptance
area 58. It should be understood that these structures and features are
exemplary and in other embodiments other structures and features may be
used.
As schematically represented in Figure 3, the ATM 10 includes one or
more internal computers. Such internal computers include one or more
processors. Such processors may be in operative connection with one or more


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data stores. In some embodiments processors may be located on certain
devices within the ATM so as to individually control the operation thereof.
Examples such as multi-tiered processor systems are shown in U.S. Patent No.
6,264,101 and U.S. Patent No. 6,131,809, the disclosures of which are
5 incorporated herein by reference.
For purposes of simplicity, the exemplary embodiment will be
described as having a single controller which controls the operation of
devices
within the machine. However it should be understood that such reference
shall be construed to encompass multicontroller and multiprocessor systems as
10 may be appropriate in controlling the operation of a particular machine. In
Figure 3 the controller is schematically represented 72. Also as schematically
represented, the controller is in operative connection with one or more data
stores 78. Such data stores in exemplary embodiments are operative to store
program instructions, values and other information used in the operation of
the
machine. Although the controller is schematically shown in the upper housing
portion of ATM 10, it should be understood that in alternative embodiments
controllers may be located within various portions of the automated banking
machine.
In order to conduct transactions the exemplary ATM 10 communicates
with remote computers. The remote computers are operative to exchange
messages with the machine and authorize and record the occurrence of various
transactions. This is represented in Figure 3 by the communication of the
machine through a network with a bank 78, which has at least one computer
which is operative to exchange messages with the ATM through a network.
For example, the bank 78 may receive one or more messages from the ATM
requesting authorization to allow a customer to withdraw $200 from the
customer's account. The remote computer at the bank 78 will operate to
determine that such a withdrawal is authorized and will return one or more
messages to the machine through the network authorizing the transaction.
After the ATM conducts the transaction, the ATM will generally send one or


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11
more messages back through the network to the bank indicating that the
transaction was successfully carried out. Of course these messages are merely
exemplary.
It should be understood that in some embodiments the ATM may
communicate with other entities and through various networks. For example
as schematically represented in Figure 3, the ATM will communicate with
computers operated by service providers 80. Such service providers may be
entities to be notified of status conditions or malfunctions of the ATM as
well
as entities who are to be notified of corrective actions. An example of such a
system for accomplishing this is shown in U.S. Patent No. 5,984,178, the
disclosure of which is incorporated herein by reference. Other third parties
who may receive notifications from exemplary ATMs include entities
responsible for delivering currency to the machine to assure that the currency
supplies axe not depleted. Other entities may be responsible for removing
deposit items from the machine. Alternative entities that may be notified of
actions at the machine may include entities which hold marketing data
concerning consumers and who provide messages which correspond to
marketing messages to be presented to consumers. Various types of messages
may be provided to remote systems and entities by the machine depending on
the capabilities of the machines in various embodiments and the types of
transactions being conducted.
Figure 4 shows schematically an exemplary software architecture
which may be operative in the controller 72 of machine 10. The exemplary
software architecture includes an operating system such as for example
Microsoft~ Windows, IBM OS/2~ or Linux. The exemplary software
architecture also includes an ATM application 82. The exemplary application
includes the instructions for the operation of the automated banking machine
and may include, for example, an AgilisTM 91x application that is
commercially available from Diebold, Incorporated which is a cross vendor
software application for operating ATMs. Further examples of software


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12
applications which may be used in some embodiments is shown in U.S. Patent
Nos. 6,289,320 and 6,505,177, the disclosures of which are incorporated
herein by reference.
In the exemplary embodiment middleware software schematically
indicated 84 is operative in the controller. In the exemplary embodiment the
middleware software operates to compensate for differences between various
types of automated banking machines and transaction function devices used
therein. The use of a middleware layer enables the more ready use of an
identical software application on various types of ATM hardware. In the
exemplary embodiment the middleware layer may be Involve~ software
which is commercially available from Nexus Software, a wholly owned
subsidiary of the assignee of the present invention.
The exemplary software architecture further includes a diagnostics
layer 86. The diagnostics layer 86 is operative as later explained to enable
accessing and performing various diagnostic functions of the devices within
the ATM. In the exemplary embodiment the diagnostics operate in
conjunction with a browser schematically indicated 88.
The exemplary software architecture further includes a service
provider layer schematically indicated 90. The service provider layer may
include software such as WOSA XFS service providers for J/XFS service
providers which present a standardized interface to the software layers above
and which facilitate the development of software which can be used in
conjunction with different types of ATM hardware. Of course this software
architecture is exemplary and in other embodiments other architectures may
25' be used.
As schematically represented in Figure 4, a controller 72 is in
operative connection with at least one communications bus 92. The
communications bus may in some exemplary embodiments be a universal
serial bus (USB) or other standard or nonstandard type of bus architecture.
The communications bus 92 is schematically shown in operative connection


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13
with transaction function devices 94. The transaction function devices include
devices in the ATM which are used to carry out transactions. These may
include for example the currency dispenser device 54, card reader 26, receipt
printer 44, keypad 32, as well as numerous other devices which are operative
in the machine and controlled by the controller to carry out transactions. In
the exemplary embodiment one of the transaction function devices in
operative connection with the controller is a diagnostic article reading
device
96 which may be operative to read a diagnostic article schematically indicated
98 which may provide software instructions useful in servicing the machine.
Alternatively and/or in addition, provision may be made for connecting the
bus 92 or other devices in the machine computer device 100 which may be
useful in performing testing or diagnostic activities related to the ATM.
In the exemplary embodiment of ATM 10 the first fascia portion 20
and the second fascia portion 22 are independently movably mounted on the
ATM housing 12. This is accomplished through the use of hinges attached to
fascia portion 20. The opening of the fascia lock 50 on the first fascia
portion
enables the first fascia portion to be moved to an open position as shown in
Figure 5. In the open position of the first fascia portion an authorized user
is
enabled to gain access to a first portion 102 in the upper housing area 14. In
20 the exemplary embodiment there is located within the first portion 102 a
chest
lock input device 104. In this embodiment the chest lock input device
comprises a manual combination lock dial, electronic lock dial or other
suitable input device through which a combination or other unlocking inputs
or articles may be provided. In this embodiment, input of a proper
combination enables the chest door 18 to be moved to an open position by
rotating the door about hinges 106. In the exemplary embodiment the chest
door is opened once the proper combination has been input by manipulating a
locking lever 108 which is in operative connection with a boltwork. The
boltwork which is not specifically shown, is operative to hold the chest door
in
a locked position until the proper combination is input. Upon input of the


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14
correct combination the locking lever enables movement of the boltwork so
that the chest door can be opened. The boltwork also enables the chest door to
be held locked after the activities in the chest portion have been conducted
and
the chest door is returned to the closed position. Of course in other
embodiments other types of mechanical or electrical locking mechanisms may
be used. In the exemplary embodiment the chest lock input device 104 is in
supporting connection with a generally horizontally extending dividing wall
110 which separates the chest portion from the upper housing portion. Of
course this housing structure is exemplary and in other embodiments other
approaches may be used.
An authorized servicer who needs to gain access to an item,
component or device of the ATM located in the chest area may do so by
opening the fascia lock and moving the first fascia portion 20 so that the
area
102 becomes accessible. Thereafter the authorized servicer may access and
manipulate the chest lock input device to receive one or more inputs, which if
appropriate enables unlocking of the chest door 18. The chest door may
thereafter be moved relative to the housing and about its hinges 106 to enable
the servicer to gain access to items, devices or components within the chest.
These activities may include for example adding or removing currency,
removing deposited items such as envelopes or checks, or repairing
mechanisms or electrical devices that operate to enable the machine to accept
deposited items or to dispense currency. When servicing activity within the
chest is completed, the chest door may be closed and the locking lever 108
moved so as to secure the boltwork holding the chest door in a closed
position.
Of course this structure and service method is exemplary and in other
embodiments other approaches may be used.
In the exemplary embodiment the second fascia portion 22 is also
movable relative to the housing of the machine. In the exemplary embodiment
the second fascia portion 22 is movable in supporting connection with a
rollout tray 112 schematically shown in Figure 3. The rollout tray is
operative


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to support components of the user interface thereon as well as the second
fascia portion. The rollout tray enables the second fascia portion to move
outward relative to the ATM housing thereby exposing components and
transaction function devices supported on the tray and providing access to a
second portion 114 within the upper housing and positioned behind the second
fascia portion. Thus as can be appreciated, when the second fascia portion is
moved outward, the components on the tray are disposed outside the housing
of the machine so as to facilitate servicing, adjustment and/or replacement of
such components. Further components which remain positioned within the
10 housing of the machine as the rollout tray is extended become accessible in
the second portion as the second fascia portion 22 is disposed outward and
away from the housing.
In the exemplary embodiment the rollout tray 112 is in operative
connection with a releasible locking device. The locking device is generally
15 operative to hold the tray in a retracted position such that the second
fascia
portion remains in an operative position adjacent to the upper housing area as
shown in Figures 1, 2 and 3. This releasible locking mechanism may
comprise one or more forms of locking type devices. In the exemplary
embodiment the releasible locking mechanism may be released by
manipulation of an actuator 116 which is accessible to an authorized user in
the first portion 102 of the upper housing 14. As a result an authorized
servicer of the machine is enabled to move the second fascia portion outward
for servicing by first accessing portion 102 in the manner previously
discussed. Thereafter by manipulating the actuator 116 the second fascia
portion is enabled to move outward as shown in phantom in Figure 8 so as to
facilitate servicing components on the rollout tray. Such components may
include for example a printer or card reader. After such servicing the second
fascia portion may be moved toward the housing so as to close the second
portion 114. Such movement in the exemplary embodiment causes the rollout
tray to be latched and held in the retracted position without further


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16
manipulation of the actuator. However, in other embodiments other types of
locking mechanisms may be used to secure the rollout tray in the retracted
position. It should be understood that this approach is exemplary and in other
embodiments other approaches may be used.
As best shown in Figure 7 in which the components supported in the
upper housing are not shown, the delivery area 52 and the deposit acceptance
area 58 are in supporting connection with the chest door 18. As such when the
chest door 18 is opened, the delivery area 52 and the deposit acceptance area
58 will move relative to the housing of the machine. The exemplary
embodiment shown facilitates servicing of the machine by providing for the
illumination for the transaction areas by illumination sources positioned in
supporting connection with the rollout tray 112. As best shown in Figure 6,
these illumination sources 118 are movable with the rollout tray and
illuminate in generally a downward direction. In the operative position of the
second fascia portion 22 and the chest door 18, the illumination sources are
generally aligned with apertures 120 and 122 which extend through the top of
a cover 124 which generally surrounds the recessed pockets 60 and 56. As
shown in Figure 10 aperture 120 is generally vertically aligned with window
68 and aperture 122 is generally aligned with window 70. In an exemplary
embodiment apertures 120 and 122 each have a translucent or transparent lens
positioned therein to minimize the risk of the introduction of dirt or other
contaminants into the interior of the cover 124.
As can be appreciated from Figures 6 and 8, when the chest door 18 is
closed and the second fascia portion 22 is moved to the operative position,
the
illumination sources 118 are positioned in generally aligned relation with
apertures 120 and 122. As a result the illumination of the illumination
devices
is operative to cause light to be transmitted through the respective aperture
and to illuminate the transaction area within the corresponding recessed
pocket.


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In operation of an exemplary embodiment, the controller executes
programmed instructions so as to initiate illumination of each transaction
area
at appropriate times during the conduct of transactions. For example in the
exemplary embodiment if the user is conducting a cash withdrawal
transaction, the controller may initiate illumination of the delivery area 52
when the cash is delivered therein and is available to be taken by a user.
Such
illumination draws the user's attention to the need to remove the cash and
will
point out to the user that the cash is ready to be taken. In the exemplary
embodiment the controller is programmed so that when the user takes the cash
the machine will move to the next transaction step. After the cash is sensed
as
taken, the controller may operate to cease illumination of the delivery area
56.
Of course these approaches are exemplary.
f,ikewise in an exemplary embodiment if a user of the machine
indicates that they wish to conduct a deposit transaction, the controller may
cause the machine to operate to initiate illumination of the deposit
acceptance
area 58. The user's attention is drawn to the place where they must insert the
deposit envelope in order to have it be accepted in the machine. In the
exemplary embodiment the controller may operate to also illuminate the
illumination panel 62 to illuminate the deposit envelope providing opening 48
so that the user is also made aware of the location from which a deposit
envelope may be provided. In an exemplary embodiment the controller may
operate to cease illumination through the window 70 andlor the illumination
panel 62 after the deposit envelope is indicated as being sensed within the
machine.
In alternative embodiments other approaches may be taken. This may
include for example drawing the customer's attention to the particular
transaction area by changing the nature of the illumination in the recessed
pocket to which the customer's attention is to be drawn. This may be done for
example by changing the intensity of the light, flashing the light, changing
the
color of the light or doing other actions which may draw a user's attention to


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the appropriate transaction area. Alternatively or in addition, a sound
emitter,
vibration, projecting pins or other indicator may be provided for visually
impaired users so as to indicate to them the appropriate transaction area to
which the customer's attention is to be drawn. Of course these approaches are
exemplary and in other embodiments other approaches may be used.
As previously discussed the exemplary embodiment of ATM 10 is also
operative to draw a user's attention at appropriate times to the card reader
slot
28. ATM 10 also includes features to minimize the risk of unauthorized
interception of card data by persons who may attempt to install a fraud device
such as an unauthorized card reading device on the machine. As shown in
Figure 9, the exemplary card slot 28 extends through a card slot housing 66
which extends in generally surrounding relation of the card slot. It should be
understood that although the housing 66 generally bounds the entire card slot,
in other embodiments the principles described herein may be applied by
bounding only one or more sides of a card slot as may be appropriate for
detecting unauthorized card reading devices. Further, it should be understood
that while the exemplary embodiment is described in connection with a card
reader that accepts a card into the machine, the principles being described
may
be applied to types of card readers that do not accept a card into the
machine,
such as readers where a user draws the card through a slot, inserts and
removes a card manually from a slot and other card reading structures.
In the exemplary embodiment the housing 66 includes a plurality of
radiation emitting devices 126. The radiation emitting devices emit visible
radiation which can be perceived by a user of the machine. However, in other
embodiments the radiation emitting devices may include devices which emit
nonvisible radiation such as infrared radiation, but which nonetheless can be
used for sensing the presence of unauthorized card reading devices adjacent to
the card slot. In the exemplary embodiment the controller operates to
illuminate the radiation emitting devices 126 at appropriate times during the
transaction sequence. This may include for example times during transactions


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when a user is prompted to input the card into the machine or alternatively
when a user is prompted to take the card from the card slot 28. In various
embodiments the controller may be programmed to provide solid illumination
of the radiation emitting devices or may vary the intensity of the devices as
appropriate to draw the user's attention to the card slot.
In the exemplary embodiment the card slot housing 66 includes therein
one or more radiation sensing devices 128. The radiation sensing devices are
positioned to detect changes in at least one property of the radiation
reflected
from the emitting devices 126. The sensing devices 128 are in operative
connection with the controller. The controller is operative responsive to its
programming to compare one or more values corresponding to the magnitude
and/or other properties of radiation sensed by one or more of the sensors, to
one or more stored values and to make a determination whether the
comparison is such that there is a probable unauthorized card reading device
installed on the fascia of the machine. In some embodiments the controller
may be operative to execute fuzzy logic programming for purposes of
determining whether the nature of the change in reflected radiation or other
detected parameters are such that there has been an unauthorized device
installed and whether appropriate personnel should be notified.
Figure 10 shows a side view of the housing 66. An example of a fraud
device which comprises unauthorized card reading device 130 is shown
attached externally to the housing 66. The unauthorized card reading device
includes a slot 132 generally aligned with slot 128. The device 130 also
includes a sensor shown schematically as 134 which is operative to sense the
encoded magnetic flux reversals which represent data on the magnetic stripe
of a credit or debit card. As can be appreciated, an arrangement of the type
shown in Figure 10 enables the sensor 134 if properly aligned adjacent to the
magnetic stripe of a card, to read the card data as the card passes in and out
of
slot 128. Such an unauthorized reading device may be connected via radio
frequency (RF) or through inconspicuous wiring to other devices which enable


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interception of the card data. In some situations criminals may also endeavor
to observe the input of the user's PIN corresponding to the card data so as to
gain access to the account of the user.
As can be appreciated from Figure 10 the installation of the
5 unauthorized card reading device 130 changes the amount of radiation from
emitting devices 126 and that is reflected or otherwise transmitted to the
sensors 128. Depending on the nature of the device and its structure, the
amount or other properties of radiation may increase or decrease. However, a
detectable change will often occur in the magnitude or other properties of
10 sensed radiation between a present transaction and a prior transaction
which
was conducted prior to an unauthorized card reading device being installed.
Of course the sensing of the magnitude of radiation is but one example of a
property of radiation that may be sensed as having changed so as to indicate
the presence of an unauthorized reading device.
15 Figure 11 demonstrates an exemplary simplified logic flow executed
by a controller for detecting the installation of an unauthorized card reading
device. It should be understood that this transaction logic is part of the
overall
operation of the machine to carry out transactions. In this exemplary logic
flow the machine operates to carry out card reading transactions in a normal
20 manner and to additionally execute the represented steps as a part of such
logic each time a card is read. From an initial step 136 the controller in the
machine is operative to sense that a card is in the reader within the machine
in
a step 138. Generally in these circumstances the controller will be operating
the radiation emitting devices 126 as the user has inserted their card and the
card has been drawn into the machine. In this exemplary embodiment the
controller continues to operate the radiation emitting devices and senses the
radiation level or levels sensed by one or more sensors 128. This is done in a
step 140.
The controller is next operative to compare the signals corresponding
to the sensed radiation levels to one or more values in a step 142. This


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comparison may be done a number of ways and may in some embodiments
execute fuzzy logic so as to avoid giving false indications due to acceptable
conditions such as a user having the user's finger adjacent to the card slot
28
during a portion of the transaction. In the case of a user's finger for
example,
the computer may determine whether an unauthorized reading device is
installed based on the nature, magnitude and changes during a transaction in
sensed radiation, along with appropriate programmed weighing factors. Of
course various approaches may be used within the scope of the concept
discussed herein. However, based on the one or more comparisons in step 142
the controller is operative to make a decision at step 144 as to whether the
sensed values) compared to stored values) compared in step 142 have a
difference that is in excess of one or more thresholds which suggest that an
unauthorized card reading device has been installed.
If the comparison does not indicate a result that exceeds the
thresholds) the ATM transaction devices are run as normal as represented in a
step 146. For example, a customer may be prompted to input a PIN, and if the
card data and PIN are valid, the customer may be authorized to conduct a cash
dispensing transaction through operation of the machine. Further in the
exemplary embodiment, the controller may operate to adjust the stored values
to some degree based on the more recent readings. This may be appropriate in
order to compensate for the effects of dirt on the fascia or loss of intensity
of
the emitting devices or other factors. This is represented in a step 148. In
step
148 the controller operates the ATM to conduct transaction steps in the usual
manner as represented in a step 150.
If in step 144 the difference between the sensed and stored values
exceeds the threshold(s), then this is indicative that an unauthorized card
reading device may have been installed since the last transaction. In the
exemplary embodiment when this occurs, the controller is operative to present
a warning screen to the user as represented in a step 152. This warning screen
may be operative to advise the user that an unauthorized object has been


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22
sensed adjacent to the card reader slot. This may warn a user for example that
a problem is occurring. Alternatively if a user has inadvertently placed
innocently some object adjacent to the card reader slot, then the user may
withdraw it. In addition or in the alternative, further logic steps may be
executed such as prompting a user to indicate whether or not they can see the
radiation emitting devices being illuminated adjacent to the card slot and
prompting the user to provide an input to indicate if such items are visible.
Additionally or in the alternative, the illuminating devices within the
housing
66 may be operative to cause the emitting devices to output words or other
symbols which a user can indicate that they can see or cannot see based on
inputs provided as prompts from output devices of the machine. This may
enable the machine to determine whether an unauthorized reading device has
been installed or whether the sensed~condition is due to other factors. It may
also cause a user to note the existence of the reading device and remove it.
Of
course various approaches could be taken depending on the programming of
the machine.
If an unauthorized reading device has been detected, the controller in
the exemplary embodiment will also execute a step 154 in which a status
message is sent to an appropriate service provider or other entity to indicate
the suspected problem. This may be done for example through use of a
system like that shown in U.S. Patent No. 5,984,178 the disclosure of which is
incorporated herein by reference. Alternatively messages may be sent to
system addresses in a manner like that shown in U.S. Patent No. 6,289,320 the
disclosure of which is also incorporated herein by reference. In a step 156
the
controller will also operate to record data identifying for the particular
transaction in which there has been suspected interception of the card
holder's
card data. In addition or in the alternative, a message may be sent to the
bank
or other institution alerting them to watch for activity in the user's card
account for purposes of detecting whether unauthorized use is occurring.
Alternatively or in addition, some embodiments may include card readers that


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change, add or write data to a user's card in cases of suspected interception.
Such changed data may be tracked or otherwise used to assure that only a card
with the modified data is useable thereafter. Alternatively or in addition, in
some embodiments the modified card may be moved in translated relation,
moved irregularly or otherwise handled to reduce the risk that modified data
is
intercepted as the card is output from the machine. Of course these
approaches are exemplary of many that may be employed.
In the exemplary embodiment the ATM is operated to conduct a
transaction even in cases where it is suspected that an unauthorized card
reading device has been installed. This is represented in a step 155. However,
in other embodiments other approaches may be taken such as refusing to
conduct the transaction. Other steps may also be taken such as capturing the
user's card and advising the user that a new one will be issued. This approach
may be used to minimize the risk that unauthorized transactions will be
conducted with the card data as the card can be promptly invalidated. Of
course other approaches may be taken depending on the programming of the
machine and the desires of the system operator. In addition while the fraud
device shown is an unauthorized card reading device, the principles described
may also be used to detect other types of fraud devices such as for example
false fascias, user interface covers and other devices.
In some embodiments additional or alternative features and methods
may be employed to help detect the presence of unauthorized card reading
devices or other attempted fraud devices in connection with the ATM. For
example in some embodiments an oscillation sensor may be attached to the
machine to detect changes in frequency or vibration that result from the
installation of unauthorized devices on the ATM. Figure 10 shows
schematically an oscillator 127 attached to the interior surface of the ATM
fascia. Oscillator 127 may be operative responsive to the controller and
suitable vibration circuitry to impart vibratory motion to the fascia in the
vicinity of the card reader slot. A sensor 129 is in operative connection with


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24
the fascia and is operative to sense at least one parameter of the motion
imparted to the fascia by the oscillator 127. Although oscillator 127 and
sensor 129 are shown as separate components, it should be understood that in
some embodiments the functions of the components may be performed by a
single device.
The sensor 129 is in operative connection with the controller of the
ATM through appropriate circuitry. The controller selectively activates the
oscillator and the sensor 129 is operative to sense the resulting movement of
the fascia caused by the oscillation. The installation of an unauthorized card
reading device or other fraud device on the ATM will generally result in a
change in at lest one property being sensed by the sensor 129. This may
include changes in amplitude, frequency or both. Alternatively or in addition,
some embodiments may provide for the oscillator to impart vibration
characteristics of various types or vibratory motion through a range of
frequencies and/or amplitudes. Sensed values for various oscillatory driving
outputs may then be compared through operation of the controller to one or
more previously stored values. Variances from prior values may be detected
or analyzed through operation of the controller and notifications given in
situations where a change has occurred which suggests the installation of an
unauthorized device.
In some embodiments the controller may cause the oscillator and
sensor to operate periodically to sense for installation of a possible
unauthorized device. Alternatively, the controller may cause such a check to
be made during each transaction. Alternatively in some embodiments
oscillation testing may be conducted when a possible unauthorized device is
detected by sensing radiation properties. The controller may operate to take
various actions in response to sensing a possible unauthorized reading device
through vibration, radiation or both. For example detecting a possible fraud
device by both radiation and oscillation may warrant taking different actions
than only detecting a possible fraud device through only one test or
condition.


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2S
In some embodiments the controller may be programmed to adjust the
thresholds or other limits used for resolving the presence of a possible fraud
device for responses to changes that occur over time at the machine. This may
include for example adjusting the thresholds for indicating possible fraud
conditions based on the aging of the oscillator or the sensor. Such
adjustments
may also be based on parameters sensed by other sensors which effect
vibration properties. These may include for example, the fascia temperature,
air temperature, relative humidity and other properties. Of course readings
from these and other sensors may be used to adjust thresholds of the
oscillation sensor, radiation sensor or other fraud device sensors. Various
approaches may be taken depending on the particular system.
In some embodiments the oscillator may additionally or alternatively
be used to prevent the unauthorized reading of card reader signals. This may
be done for example when the banking machine has a device which takes a
user card into the machine for purposes of reading data on the card. In such
embodiments the controller may operate to vibrate the area of the fascia
adjacent to the card reader slot when a user's card is moving into and/or out
of
the slot. In such cases the vibration may be operative to cause the generation
of noise or inaccurate reading by an unauthorized card reading sensor so as to
make it more difficult to intercept the card stripe data using an unauthorized
reading device. In some embodiments such vibration may also serve to
disclose or make more apparent the presence of unauthorized card reading
devices. Of course these approaches are exemplary and in other embodiments
other approaches may be used.
In some exemplary embodiments provision may be made for detecting
the presence of unauthorized input sensing devices for sensing a user's inputs
through the keypad on the ATM. Such unauthorized input sensing devices
may be used by criminals to sense the PIN input by the user. Detecting
unauthorized devices may be accomplished by providing appropriate sensing
devices in or adjacent to the keypad. Such sensing devices may be operative


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26
to detect that a structure has been placed over or adjacent to the keypad.
Such
sensors may be in operative connection with the controller in the machine or
other devices which are operative to determine the probable installation of
such an unauthorized input sensing device. In response to determining the
probable installation of such a device, the controller may be operative in
accordance with its programming to provide notification to appropriate
entities, modify the operation of the machine such as to disable operation or
prevent certain operations, or to take other appropriate actions.
Figure 12 shows the cross-sectional view of exemplary keypad 32.
Keypad 32 is shown schematically, and it should be understood that not all of
the components of the keypad are represented. Keypad 32 includes a plurality
of keys 250. Keys 250 are moveable responsive to pressure applied by a
user's finger to provide an input corresponding to alphabetical or numerical
characters. Extending between some of the keys 250 are areas or spaces 252.
Extending in spaces 252 are sensors 254. In the exemplary embodiment the
sensors 254 are radiation type sensors, but as previously discussed, in other
embodiments other approaches may be used. ~verlying the sensors 254 is an
outer layer 256. In the exemplary embodiment, layer 256 is translucent or
otherwise comprised of material so as to partially enable the transmission of
radiation from the sensors therethrough.
As represented in Figure 13, the exemplary sensors 254 include a
radiation emitter 258 and a radiation receiver 260. During operation the
radiation emitter is operative to output radiation that is at least partially
reflected from the inner surface of layer 256. The reflected radiation is
received by the receiver 260. Corresponding electrical signals are produced
by the receiver, and such signals are transmitted through appropriate
circuitry
so as to enable the controller to detect the changes in signals that
correspond
to probable presence of an unauthorized reading device.
Figure 14 is a schematic view of an unauthorized input intercepting
device 262 that has been positioned in overlying relation of a keypad 32. The


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27
input intercepting device 262 includes false keys 264 which are moveable and
which are operatively connected to the corresponding keys 250 of the keypad.
In the exemplary embodiment, input intercepting device 262 includes sensors
which are operative to detect which of the false keys 264 have been depressed
by a user. Because the depression of the false keys is operative to actuate
the
actual keys 250, the ATM is enabled to operate with the device 262 in place.
Input intercepting device 262 in exemplary embodiments may include a
wireless transmitter or other suitable device for transmitting the input
signals
to a criminal who may intercept such inputs.
As represented in Figure 19, the input intercepting device 262 includes
portions 267 which extend in the areas 252 in overlying relation of layer 256.
As represented in Figure 15, the portion of the input intercepting device
extending in overlying relation of the layer 256 is operative to cause a
change
in the amount of radiation from the emitter 25~ that is reflected and sensed
by
the receiver 260 of the sensor. This is because the overlying portion will
have
different radiation reflecting or absorbing characteristics which will change
the radiation reflective properties of the layer 256 compared to when no such
input intercepting device is present. Thus the installation of the
unauthorized
input intercepting device can be detected.
In some exemplary embodiments the controller may be operative to
sense the level of reflected radiation at the sensors periodically. This may
be
done, for example, between transactions when a user is not operating the
terminal. This may avoid giving a false indication that an unauthorized input
intercepting device has been installed when a user is resting a hand or some
other item adjacent to the keypad during a transaction. Of course in other
embodiments sensor readings can be taken and compared during transactions
to prior values stored in a data store to determine if a change lasting longer
than normal has occurred which suggests that an unauthorized input
intercepting device has been installed rather than a user has temporarily
placed
their hand or some other item adjacent to the keypad. For example, in some


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28
exemplary embodiments the controller may not resolve that there is a probable
unauthorized input intercepting device on the machine until a significant
change from a prior condition is detected in the radiation properties adjacent
to the keypad on several occasions both during a transactions and thereafter.
Alternatively or in addition, a controller may be operative to determine that
an
improper device has been installed as a result of changes that occur during a
time when no transactions have occurred. Alternatively in other
embodiments, the controller may operate to sense and analyze signals from the
sensors responsive to detecting inputs from other sensors, such as for example
an ultrasonic sensor which senses that a person has moved adjacent to the
machine but has not operated the machine to conduct a transaction. Of course
these approaches are merely exemplary of many approaches that may be used.
It should be understood that although in the exemplary embodiment
radiation type sensors are used for purposes of detection, in other
embodiments other types of sensors may be used. These include, for example,
inductance sensors, sonic sensors, RF sensors, or other types of sensing
approaches that can be used to detect the presence of material in locations
that
suggest an unauthorized input intercepting device being positioned adjacent to
the keypad. Further, in some embodiments the controller or other circuitry
associated with the sensors may be operative to make adjustments for normal
changes that may occur at the machine. These may include, for example,
changes with time due to aging of emitters, the build up of dirt in the area
adjacent to the keypad, weather conditions, moisture conditions, scratching of
the surface of the sensing layer, or other conditions which may normally
occur. Appropriate programs may be executed by the controller or other
circuitry so as to recalibrate and/or compensate for such conditions as may
occur over time while still enabling the detection of a rapid change which is
sufficiently significant and of such duration so as to indicate the probable
installation of an unauthorized input intercepting device. Of course these
approaches are exemplary of many approaches that may be used.


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29
In other embodiments other or additional approaches to detecting
fraudulent reading or other improper activities may be used. For example, in
some embodiments the fascia of the banking machine may be subject to
observation within a field of view of one or more imaging devices such as
camera 131 schematically represented in Figure 10. Camera 15 may be in
operative connection with an image capture system of the type shown in U.S.
Patent 6,583,813, the disclosure of which is incorporated herein by reference.
In some embodiments the controller and/or an image capture system
may be operative to execute sequences of activities responsive to triggering
events that may be associated with attempts to install or operate fraud
devices.
For example, the presence of a person in front of the banking machine may be
sensed through image analysis, weight sensors, sonic detectors or other
detectors. The person remaining in proximity to the machine for a selected
period or remaining too long after a transaction may constitute a triggering
event which is operative to cause the system to take actions in a programmed
sequence. Such actions may include capturing images from one or more
additional cameras and/or moving image data from one or more cameras from
temporary to more permanent storage. The sequence may also include
capturing image data from the fascia to try to detect tampering or improper
devices. Radiation or vibration tests may also be conducted as part of a
sequence. Notifications and/or images may also be sent to certain entities or
system addresses. Of course these actions are exemplary.
In some exemplary embodiments the controller of the ATM or other
connected computers may be operatively programmed to analyze conditions
that are sensed and to determine based on the sensed conditions that a fraud
device is installed. Such a programmed computer may be operative to apply
certain rules such as to correlate the repeated sensing of abnormal conditions
with a possible fraud or tampering condition and to conduct tests for the
presence of fraud devices. Such events may constitute soft triggers for
sequences or other actions to detect and reduce the risk of fraud devices. Of


CA 02529005 2005-12-09
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course these approaches are merely exemplary and in other embodiments
other approaches may be used.
In some embodiments the ATM may include sensors adapted to
intercept signals from unauthorized card readers or customer input
5 intercepting devices. For example, some fraud devices may operate to
transmit RF signals to a nearby receiver operated by a criminal. The presence
of such RF signals in proximity to the ATM may be indicative of the
installation of such a device. Such signals may be detected by appropriate
circuitry and analyzed through operation of the ATM controller or other
10 processor, and if it is determined that it is probable that such a device
is
installed, programmed actions may be taken.
For example, in some embodiments suitable RF shielding material may
be applied to or in the fascia to reduce the level of RF interference from
devices within the ATM at the exterior of the fascia. Antennas or other
15 appropriate radiation sensing devices may be positioned adjacent to or
installed on the fascia. A change in RF radiation in the vicinity of the
fascia
exterior may result upon the installation of an unauthorized device. The RF
signals can be detected by receiver circuitry, and signals or data
corresponding
thereto input to a processor. In some embodiments the circuitry may also
20 determine the frequency of the radiation sensed to be used in resolving if
it is
within the range emitted by legitimate devices such as cell phones of users
operating the ATM. In other embodiments the circuitry may analyze the
signals to determine if they are varying, and the circuitry and/or the
processor
may evaluate whether the changes in signal correspond to the input of a PIN
25 or a card to the ATM.
In response to the sensed signal data, the processor may operate in
accordance with its programming to evaluate the nature and character of the
intercepted signals. For example, if the signals do not correspond to a
legitimate source, such as a cell phone, the processor may operate to take
30 actions such as to wholly or partially cease operation of the ATM, capture


CA 02529005 2005-12-09
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31
images with a camera, and/or notify an appropriate remote entity through
operation of the ATM. Alternatively, the processor may compare the sensed
RF signals to transaction activity at the ATM. If the sensed signals are
determined to be varying in ways that correspond in a pattern or relationship
to card or PIN inputs, for example, the processor may operate in accordance
with its programming to cause the ATM or other devices to take appropriate
programmed steps.
In still other exemplary embodiments the processor may be in
operative connection with an RF emitter. The processor may operate in
accordance with its programming to cause the emitter to generate RF signals
that interfere with the detected signals. This can be done on a continuing
basis
or alternatively only at times during user operation of the ATM when user
inputs are likely to be intercepted. For example, the processor controlling
the
emitter may operate the ATM or be in communication with a controller
thereof. In such situations, the processor may operate to control the emitter
to
produce outputs at times when a user's card is moving into or out of a card
slot, and/or when the ATM is accepting a user's PIN or other inputs. Thus,
the emitter may be operative to produce interfering signals during relatively
brief periods so as to not disrupt RF transmissions for an extended period in
the event an incorrect determination is made and the RF signals are from a
legitimate source.
In some embodiments an emitter may be a type that transmits on a
plurality of frequencies intended to disrupt transmissions within the expected
range of frequencies for a fraud device. In other embodiments the emitter may
be controlled responsive to the processor to match the frequency or
frequencies of suspect signals that have been detected. Of course these
approaches are exemplary of approaches that may be used.
In the exemplary embodiment the ATM 10 is provided with enhanced
diagnostic capabilities as well as the ability for servicers to more readily
perform remedial and preventive maintenance on the machine. This is


CA 02529005 2005-12-09
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32
accomplished in an exemplary embodiment by programming the controller
and/or alternatively distributed controllers and processors associated with
the
transaction function devices, to sense and capture diagnostic data concerning
the operation of the various transaction function devices. In an exemplary
embodiment this diagnostic data may include more than an indication of a
disabling malfunction. In some embodiments and with regard to some
transaction function devices, the data may include for example instances of
speed, intensity, deflection, vacuum, force, friction, pressure, sound,
vibration,
wear or other parameters that may be of significance for purposes of detecting
conditions that may be developing with regard to the machine and the
transaction function devices contained therein. The nature of the diagnostic
data that may be obtained will depend on the particular transaction function
devices and the capabilities thereof as well as the programming of the
controllers within the machine.
Thus, the features and characteristics of the embodiments previously
described achieve desirable results, eliminate difficulties encountered in the
use of prior devices and systems, solve problems and may attain one or more
of the objectives stated above.
In the foregoing description certain terms have been used for brevity,
clarity and understanding, however no unnecessary limitations are to be
implied therefrom because such terms are for descriptive purposes and are
intended to be broadly construed. Moreover, the descriptions and illustrations
herein are by way of examples and the invention is not limited to the details
shown and described.
In the following claims any feature described as a means for
performing a function shall be construed as encompassing any means capable
of performing the recited function, and shall not be deemed limited to the
particular means shown in the foregoing description or mere equivalents
thereof.


CA 02529005 2005-12-09
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33
Having described the features, discoveries and principles of the
invention, the manner in which it is constructed and operated, and the
advantages and useful results attained; the new and useful structures,
devices,
elements, arrangements, parts, combinations, systems, equipment, operations,
methods, processes and relationships are set forth in the appended claims.

Dessin représentatif
Une figure unique qui représente un dessin illustrant l'invention.
États administratifs

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États administratifs

Titre Date
Date de délivrance prévu 2010-08-10
(86) Date de dépôt PCT 2004-05-07
(87) Date de publication PCT 2005-01-06
(85) Entrée nationale 2005-12-09
Requête d'examen 2005-12-09
(45) Délivré 2010-08-10

Historique d'abandonnement

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Taxes périodiques

Dernier paiement au montant de 458,08 $ a été reçu le 2022-04-21


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Historique des paiements

Type de taxes Anniversaire Échéance Montant payé Date payée
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Enregistrement de documents 100,00 $ 2005-12-09
Enregistrement de documents 100,00 $ 2005-12-09
Enregistrement de documents 100,00 $ 2005-12-09
Le dépôt d'une demande de brevet 400,00 $ 2005-12-09
Taxe de maintien en état - Demande - nouvelle loi 2 2006-05-08 100,00 $ 2006-03-23
Taxe de maintien en état - Demande - nouvelle loi 3 2007-05-07 100,00 $ 2007-04-10
Taxe de maintien en état - Demande - nouvelle loi 4 2008-05-07 100,00 $ 2008-04-24
Taxe de maintien en état - Demande - nouvelle loi 5 2009-05-07 200,00 $ 2009-04-15
Taxe de maintien en état - Demande - nouvelle loi 6 2010-05-07 200,00 $ 2010-04-05
Taxe finale 300,00 $ 2010-05-20
Taxe de maintien en état - brevet - nouvelle loi 7 2011-05-09 200,00 $ 2011-03-03
Taxe de maintien en état - brevet - nouvelle loi 8 2012-05-07 200,00 $ 2012-04-27
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Enregistrement de documents 100,00 $ 2018-11-30
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Taxe de maintien en état - brevet - nouvelle loi 16 2020-05-07 450,00 $ 2020-04-23
Taxe de maintien en état - brevet - nouvelle loi 17 2021-05-07 459,00 $ 2021-04-22
Taxe de maintien en état - brevet - nouvelle loi 18 2022-05-09 458,08 $ 2022-04-21
Titulaires au dossier

Les titulaires actuels et antérieures au dossier sont affichés en ordre alphabétique.

Titulaires actuels au dossier
DIEBOLD, INCORPORATED
Titulaires antérieures au dossier
BLACKSON, DALE
DIEBOLD SELF SERVICE SYSTEMS
ENRIGHT, JEFFERY M.
RAMACHANDRAN, NATARAJAN
Les propriétaires antérieurs qui ne figurent pas dans la liste des « Propriétaires au dossier » apparaîtront dans d'autres documents au dossier.
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Description du
Document 
Date
(yyyy-mm-dd) 
Nombre de pages   Taille de l'image (Ko) 
Abrégé 2005-12-09 2 74
Revendications 2005-12-09 14 455
Dessins 2005-12-09 12 215
Description 2005-12-09 33 1 711
Dessins représentatifs 2005-12-09 1 3
Page couverture 2006-03-07 1 40
Description 2009-08-18 33 1 712
Revendications 2009-10-19 11 440
Description 2009-08-19 33 1 711
Dessins représentatifs 2009-12-07 1 7
Page couverture 2010-07-20 1 44
PCT 2005-12-09 3 123
Cession 2005-12-09 20 665
Taxes 2006-03-23 1 33
Poursuite-Amendment 2007-02-23 1 31
Lettre du bureau 2018-03-05 1 33
PCT 2007-05-22 6 235
Poursuite-Amendment 2009-08-19 2 81
Poursuite-Amendment 2009-02-18 3 101
Poursuite-Amendment 2009-08-18 12 628
Poursuite-Amendment 2009-08-18 1 27
Poursuite-Amendment 2009-08-31 1 20
Poursuite-Amendment 2009-10-19 12 467
Correspondance 2010-05-20 1 37