US 11,704,675 B2
System and method for detecting fraudulent bank transactions
Richard Allen Post, Mechanicsville, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Apr. 8, 2021, as Appl. No. 17/225,884.
Application 17/225,884 is a continuation of application No. 16/727,475, filed on Dec. 26, 2019, granted, now 10,977,656.
Prior Publication US 2021/0224813 A1, Jul. 22, 2021
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06K 7/08 (2006.01); G06Q 20/10 (2012.01)
CPC G06Q 20/4016 (2013.01) [G06K 7/087 (2013.01); G06Q 20/1085 (2013.01)] 20 Claims
OG exemplary drawing
 
1. An automated teller machine comprising:
a transceiver;
a card receptacle configured to receive a transaction card;
an electronic data reader located in the card receptacle, the electronic data reader having a first read device configured to read from a first information storage device of the transaction card, and having a second read device configured to read from a second information storage device of the transaction card; and
a transaction processor coupled to the electronic data reader for processing a banking transaction, the transaction processor configured to:
attempt to read from the first information storage device using the first read device;
determine that an attempt to read from the first information storage device failed;
in response to the determining:
prompt a user for an authentication credential;
receive the authentication credential from the user;
read from the second information storage device using the second read device; and
cause the transceiver to transmit a request to a backend, the request including the authentication credential.