Patent Publication Number: US-11640751-B2

Title: Automated teller machine (ATM) onlooker detection

Description:
CROSS REFERENCE TO RELATED APPLICATION 
     This application is a continuation of U.S. patent application Ser. No. 17/472,933, filed on Sep. 13, 2021 and entitled “AUTOMATED TELLER MACHINE (ATM) ONLOOKER DETECTION,” which is hereby incorporated by reference herein in its entirety. 
    
    
     FIELD OF TECHNOLOGY 
     Aspects of the disclosure relate to computer systems. Specifically, aspects of the disclosure relate to Automated Teller Machines (ATMs). 
     BACKGROUND OF THE DISCLOSURE 
     This application relates to specialized ATMs. ATMs have become ubiquitous in the Financial Institution (FI) industry. Almost every customer-facing financial center includes an ATM. ATMs, however, are limited in the function. Specifically, ATMs are designed by FIs for their respective use in a customer-facing financial center. As such, ATMs fail to benefit from the hardware and software revolutions of recent years. 
     It would be advantageous for ATMs to take advantage of the recent advances in computer technology. 
     It would be more desirable for ATMs to incorporate hardware that could be upgraded independently from the rest of the ATMs 
     It would be even more desirable for ATMs to incorporate hardware that could itself be upgraded to add new and different security encryption schemes or other suitable applications over time. 
     SUMMARY OF THE DISCLOSURE 
     It is an object of this disclosure to enable ATMs to take advantage of the recent advances in computer technology. 
     It is an additional object of this disclosure to incorporate hardware in ATMs that could be upgraded independently from the rest of the ATMs. 
     It is yet another object of this disclosure to incorporate hardware in ATMs that could itself be upgraded to add new and different security encryption schemes or other suitable applications over time. 
     A method for enhancing detecting of onlookers proximal to an automated teller machine (ATM) is provided. The ATM may include an ATM central processing unit (ATM CPU). The method may receive user identification information in the form of a PIN entered by a user. The onlooker detection system may include a mobile computer. The mobile computer may provide an onlooker detection system CPU (ODS CPU), a keypad configured to receive user identification information in the form of a PIN entered by the customer and a touch screen configured to display, in the event that the ODS CPU determines that a data structure associated with the information corresponding to the PIN entered by a user corresponds to a valid PIN, an initial ATM display that comprises multiple transaction options. The touch screen may include a touch screen having a diagonal dimension of between about 9 inches and about 17 inches. The multiple transaction options may include a cash withdrawal transaction option. 
     The method may further include interfacing between the ATM CPU and ODS CPU in order to exchange information therebetween. The information may include a cash withdrawal amount and onlooker detection information. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
       The objects and advantages of the invention will be apparent upon consideration of the following detailed description, taken in conjunction with the accompanying drawings, in which like reference characters refer to like parts throughout, and in which: 
         FIG.  1    shows an illustrative block diagram of a system for in accordance with principles of the disclosure; 
         FIG.  2    shows illustrative apparatus that may be configured in accordance with the principles of the disclosure. 
         FIG.  3    shows an illustrative schematic diagram of an ATM with a front screen removed according to the disclosure; 
         FIG.  4    shows an illustrative diagram of an ATM with a front screen removed and replaced with a tablet computer according to the principles of the disclosure; 
         FIG.  5    shows another illustrative diagram of an ATM with a front screen removed and replaced with a mobile computer according to the principles of the disclosure; 
         FIGS.  6 A and  6 B  show an illustrative diagram of a mobile computer with a front screen and a back face according to the principles of the disclosure; 
         FIG.  7    shows plugs that may be used to interface between a mobile computer and an ATM according to the principles of the disclosure; 
         FIG.  8    shows an ATM for use with one of a group of people according to the principles of the disclosure; 
         FIG.  9    shows another ATM for use with one of a group of people according to the principles of the disclosure; 
         FIG.  10    shows yet another ATM for use with one of a group of people according to the principles of the disclosure; and 
         FIG.  11    shows an illustrative process for use according to the principles of the disclosure. 
     
    
    
     DETAILED DESCRIPTION OF THE DISCLOSURE 
     The current disclosure involves a combination automated teller machine (ATM) system and an onlooker detection system. The system preferably leverages an ATM central processing unit (ATM CPU) that receives information relating to the ATM. The system also includes an ATM dispenser configured to dispense a cash withdrawal amount in the event that the ATM CPU receives information relating to a selection of a cash withdrawal amount. 
     The ATM system is preferably combined with an onlooker detection system comprising a mobile computer. The mobile computer may include an onlooker detection system CPU (ODS CPU), a keypad configured to receive user identification information in the form of a PIN entered by the customer and the identification of the cash withdrawal amount. 
     It should be noted that the keypad may form part of the ATM that is separate from the mobile computer. 
     The mobile computer may also include a touch screen configured to display, in the event that the ODS CPU determines that a data structure associated with the information corresponding to the PIN entered by a customer corresponds to a valid PIN, multiple transaction options. The touch screen may have a diagonal dimension of between 9 inches and 17 inches, or some other suitable diagonal dimension, and may display an initial ATM display that comprises multiple transaction options. In some embodiments, the multiple transaction options may include a cash withdrawal transaction option. 
     In some embodiments, the mobile computer may also include an interface system that interfaces between the ATM CPU and ODS CPU. 
     In some embodiments, the mobile computer may include a camera. The mobile computer may be configured to use the camera to recognize the customer and/or monitor the area surrounding a customer in order to detect a presence of an onlooking entity. The entity may be within a threshold distance of the camera such that, under certain circumstances, the entity would be able to recognize and retrieve customer information, such as a PIN. The PIN may be retrieved from the keypad portion of the mobile computer. 
     In certain embodiments, the mobile computer may include a radio signal detection utility. The radio signal detection utility may be configured to, using the ODS CPU, recognize an electronic device associated with an entity within a threshold distance of the ATM. Such an entity may be a suspicious onlooker. Such an onlooker may compromise the security of the ATM user. 
     It should be noted that communications involving detection, retrieval and/or broadcast of such radio signals are set forth in commonly-assigned, co-pending, U.S. patent application Ser. No. 16/021,854, filed on Jun. 28, 2018, entitled, “WEARABLE DEVICE FOR OPERATIONAL COMPLIANCE,” which is hereby incorporated by reference herein in its entirety. 
     In certain embodiments, the mobile computer may be configured to retrieve and store device and environmental/geospatial based identification information associated with the onlooker&#39;s electronic device. In these or other embodiments, the mobile computer may be configured to retrieve identification information associated with the onlooker&#39;s electronic device. 
     Certain embodiments of the mobile computer may include a keypad. The keypad may take the form of a physical-button-based keypad and/or a touch screen keypad. It should be noted that a soft or hard keypad on the mobile computer may work in tandem with hard or soft buttons arranged on the ATM itself. 
     It should be noted that the interface system described above may include a vendor-recommended connector(s). The interface system may include a preferably vendor-recommended USB-type connector. The interface system may include one connector or multiple connectors. It should be noted that the connector may be dedicated to supporting an electronic connection between the mobile computer and the ATM. 
     Some embodiments set forth herein may include a method for enhancing detecting of onlookers proximal to an automated teller machine (ATM). The ATM may include an ATM central processing unit (ATM CPU). 
     The method may include using the mobile computer to receive user identification information in the form of a PIN entered by the customer and a cash withdrawal amount. 
     The onlooker detection system may include a mobile computer. The mobile computer may be configured to provide an onlooker detection system CPU (ODS CPU), a keypad configured to receive user identification information in the form of a PIN entered by the customer and a cash withdrawal amount. The keypad may take the form of a touch screen. The keypad may take the form of a physical-button-based keypad and/or a touch screen keypad. The touch screen may have a diagonal dimension of between about 9 inches and about 17 inches. 
     The touch screen may be configured to display, in the event that the ODS CPU determines that a data structure associated with the information corresponding to the PIN entered by a customer corresponds to a valid PIN, an initial ATM display. The initial display may display multiple transaction options. The multiple transaction options may include a cash withdrawal transaction option. 
     The method may also include interfacing between the ATM CPU and ODS CPU in order to exchange information therebetween. The exchanged information may include, for example, the cash withdrawal amount and/or onlooker detection information. 
     The method may include using a camera mounted on, or embedded in, the mobile computer. The computer may be configured to recognize the customer and monitor an area surrounding the customer in order to detect a presence of an entity. The monitoring may trigger an identification action when the entity is found within a threshold distance of the camera. In such an area, the entity may be sufficiently close to retrieve the customer information from the ATM. 
     The method may further include using a radio signal detection utility located in the mobile computer to recognize an electronic device associated with an entity within a threshold distance of the ATM. 
     Using the mobile computer, the method may retrieve environmental/geospatial based identification information associated with the electronic device. 
     The method may further involve using a vendor recommended USB-type connector to perform the functions of the interface system. 
     Certain embodiments may leverage a tablet computer associated with a pre-determined vendor. For example, certain embodiments may use a tablet computer produced by Apple Computing of Cupertino, Calif. Such embodiments may further leverage a particular app. configured for use on the tablet computer. For example, such embodiments may leverage the Center Stage™ app. (hereinafter, Center Stage) for use in onlooker detection. 
     Center Stage may preferably be configured for use with an iPad Pro™ or other suitable mobile computer. Specifically, Center Stage may be configured for use with the iPad Pro&#39;s 12-megapixel ultra-wide TrueDepth camera, along with machine learning technology embedded in the tablet computer, to recognize an ATM user and maintain the user in center view. Preferably, as the ATM user moves around during a video call on the iPad Pro, Center Stage automatically pans the camera to keep the user in the shot. 
     In the disclosed embodiments, Center Stage, and the iPad Pro 12-Megapixel ultra-wide TrueDepth camera may be leveraged to pan the ATM user&#39;s surroundings. This panning of the surroundings may be used to determine if onlookers are within a pre-determined proximity of the user, and/or to monitor onlooker behavior. When onlookers are determined to be within the pre-determined proximity—Center Stage, or other suitable app. may be used to trigger a message to the iPad Pro. Such a message may include an executable file which, when onlookers are determined to be within the pre-determined proximity, may substantially immediately redact sensitive information from the screen, alert the user that the user is being surveyed, and/or alert authorities of the possible security compromise. 
     In some embodiments, iPad Pro and/or Center Stage may recognize the onlookers and zoom out to fit everyone into the view. This view may, in turn, be displayed to the customer. Other alternative technology providers for such an app. include Facebook Portal and the Amazon Echo Show 10. 
     Center Stage also works with third-party apps like Zoom and Webex as well as FaceTime, and an API is planned for enabling communication between Center Stage and other apps. Leveraging such an API, which will preferably standardize Center Stage communications for use with other apps, may provide an ATM provider various options in determining the most appropriate choice for providing a tablet computer for use with legacy ATM systems and methods according to the disclosure herein. It should be noted that any suitable APIs may be leveraged for delivering and receiving information from the tablet and/or app. resident on the tablet. Such APIs may preferably enable ease of communication between, for example, the app and the tablet and/or communication between the app, the tablet and/or the ATM peripherals. 
     An example of a use of an API according to certain embodiments follows. One embodiment of an app involves originating an API call from an Apple back-send server to an Apple mobile computer. Nevertheless, there are device-based/app-initiated APIs that can return values to any backend server. That back-end server can take the values retrieved in response to the call and perform actions such as calculating, computing, determine workflow, author a script, etc. 
     In one use case according to the embodiments set forth herein, an app is coded to perform background location, using triangulation, of onlookers. The location information derived from onlooker locations, and other information such as electronic device information associated with the onlookers, may be sent to a back-end app server in response to an API call. The back-end server, can now “do something”—such as redact sensitive information from an ATM screen, notify an ATM user, trigger an alert, or other suitable action—because it has some API-derived knowledge that “Person A is at Location B which is within a pre-determined threshold of ATM C”. 
     The foregoing is an exemplary workflow coded into the app, that calls (also referred to as “gets”) API: “significant location”, “device information”, “logged-in ATM user”. 
     The API 1) is not necessarily Apple-information specific; and 2) is an extension of the concepts described herein that relate to onlooker detection. The extension flows from the expansion of the ATM into the API-related space through the use of the tablet computer as the front end/keyboard/screen of the ATM. 
     That can happen, for example, by co-opting the Apple iPad technology, or other suitable mobile technology, in one instance and an ATM back-end server that is equipped with an API such that the ATM back-end server can send API calls to the mobile computer to retrieve information. Once a suitable tablet computer is involved, device-to-device workflows can be introduced. Which would flow like “customer-device with app”-to-financial institution (FI) App-Server”-to-“FI-Managed ATM/mobile computer screen”. 
     While the disclosure herein is described in the context of leveraging an iPad Pro together with a Center Stage app. using API technology for onlooker detection it should be noted that disclosure includes using any suitable mobile computer embedded in an ATM for use with any suitable app. Such an app may be different from the Center Stage app. Such an app may preferably utilize a camera together with the tablet computer or that does not use a camera together with the tablet computer. In this way, the ATM embodiments, or other than ATM embodiments, may utilize API calls that can preferably leverage any suitable function that exists in a mobile computer or that exists in an app suitable for running on a mobile computer. 
       FIG.  1    shows an illustrative block diagram of system  100  that includes computer  101 . Computer  101  may alternatively be referred to herein as a “server” or a “computing device.” Computer  101  may be a workstation, desktop, laptop, tablet, smart phone, other mobile computer or any other suitable computing device. Elements of system  100 , including computer  101 , may be used to implement various aspects of the systems and methods disclosed herein. 
     Computer  101  may have a processor  103  for controlling the operation of the device and its associated components, and may include RAM  105 , ROM  107 , input/output module  109 , and a memory  115 . The processor  103  may also execute all software running on the computer—e.g., the operating system and/or voice recognition software. Other components commonly used for computers, such as EEPROM or Flash memory or any other suitable components, may also be part of the computer  101 . 
     The memory  115  may be comprised of any suitable permanent storage technology—e.g., a hard drive. The memory  115  may store software including the operating system  117  and application(s)  119  along with any data  111  needed for the operation of the system  100 . Memory  115  may also store videos, text, and/or audio assistance files. The videos, text, and/or audio assistance files may also be stored in cache memory, or any other suitable memory. Alternatively, some or all of computer executable instructions (alternatively referred to as “code”) may be embodied in hardware or firmware (not shown). The computer  101  may execute the instructions embodied by the software to perform various functions. 
     Input/output (“I/O”) module may include connectivity to a microphone, keyboard, touch screen, mouse, and/or stylus through which a user of computer  101  may provide input. The input may include input relating to cursor movement. The input/output module may also include one or more speakers for providing audio output and a video display device for providing textual, audio, audiovisual, and/or graphical output. The input and output may be related to computer application functionality. 
     System  100  may be connected to other systems via a local area network (LAN) interface  113 . 
     System  100  may operate in a networked environment supporting connections to one or more remote computers, such as terminals  141  and  151 . Terminals  141  and  151  may be personal computers or servers that include many or all of the elements described above relative to system  100 . The network connections depicted in  FIG.  1    include a local area network (LAN)  125  and a wide area network (WAN)  129 , but may also include other networks. When used in a LAN networking environment, computer  101  is connected to LAN  125  through a LAN interface or adapter  113 . When used in a WAN networking environment, computer  101  may include a modem  127  or other means for establishing communications over WAN  129 , such as Internet  131 . 
     It will be appreciated that the network connections shown are illustrative and other means of establishing a communications link between computers may be used. The existence of various well-known protocols such as TCP/IP, Ethernet, FTP, HTTP and the like is presumed, and the system can be operated in a client-server configuration to permit a user to retrieve web pages from a web-based server. The web-based server may transmit data to any other suitable computer system. The web-based server may also send computer-readable instructions, together with the data, to any suitable computer system. The computer-readable instructions may be to store the data in cache memory, the hard drive, secondary memory, or any other suitable memory. 
     Additionally, application program(s)  119 , which may be used by computer  101 , may include computer executable instructions for invoking user functionality related to communication, such as e-mail, Short Message Service (SMS), and voice input and speech recognition applications. Application program(s)  119  (which may be alternatively referred to herein as “plugins,” “applications,” or “apps”) may include computer executable instructions for invoking user functionality related to performing various tasks. The various tasks may be related to ATM functions. The various tasks may be related to functions that could supplement ATM functions, such as, for example, onlooker detection. It should be noted that, for the purposes of this application, onlooker detection should be understood to refer to an analysis and detection of an ATM user&#39;s surroundings to determine whether a mal-actor is within a distance of the ATM user that may be considered to possibly compromise the security of the ATM user. 
     Computer  101  and/or terminals  141  and  151  may also be devices including various other components, such as a battery, speaker, and/or antennas (not shown). 
     Terminal  151  and/or terminal  111  may be portable devices such as a laptop, cell phone, Blackberry™, tablet, smartphone, or any other suitable device for receiving, storing, transmitting and/or displaying relevant information. Terminals  151  and/or terminal  111  may be other devices. These devices may be identical to system  100  or different. The differences may be related to hardware components and/or software components. 
     Any information described above in connection with database  111 , and any other suitable information, may be stored in memory  115 . One or more of applications  119  may include one or more algorithms that may be used to implement features of the disclosure, and/or any other suitable tasks. 
     The invention may be operational with numerous other general purpose or special purpose computing system environments or configurations. Examples of well-known computing systems, environments, and/or configurations that may be suitable for use with the invention include, but are not limited to, personal computers, server computers, hand-held or laptop devices, tablets, mobile phones, smart phones and/or other personal digital assistants (“PDAs”), multiprocessor systems, microprocessor-based systems, set top boxes, programmable consumer electronics, network PCs, minicomputers, mainframe computers, distributed computing environments that include any of the above systems or devices, and the like. 
     The invention may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform particular tasks or implement particular abstract data types. The invention may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices. It should be noted that such modules may be considered, for the purposes of this application, as engines with respect to the performance of the particular tasks to which the modules are assigned. 
       FIG.  2    shows illustrative apparatus  200  that may be configured in accordance with the principles of the disclosure. Apparatus  200  may be a computing machine. Apparatus  200  may include one or more features of the apparatus shown in  FIG.  1   . Apparatus  200  may include chip module  202 , which may include one or more integrated circuits, and which may include logic configured to perform any other suitable logical operations. 
     Apparatus  200  may include one or more of the following components: I/O circuitry  204 , which may include a transmitter device and a receiver device and may interface with fiber optic cable, coaxial cable, telephone lines, wireless devices, PHY layer hardware, a keypad/display control device or any other suitable media or devices; peripheral devices  206 , which may include counter timers, real-time timers, power-on reset generators or any other suitable peripheral devices; logical processing device  208 , which may compute data structural information and structural parameters of the data; and machine-readable memory  210 . 
     Machine-readable memory  210  may be configured to store in machine-readable data structures: machine executable instructions (which may be alternatively referred to herein as “computer instructions” or “computer code”), applications, signals, and/or any other suitable information or data structures. 
     Components  202 ,  204 ,  206 ,  208  and  210  may be coupled together by a system bus or other interconnections  212  and may be present on one or more circuit boards such as  220 . In some embodiments, the components may be integrated into a single chip. The chip may be silicon-based. 
       FIG.  3    shows an illustrative schematic diagram of an ATM  300  with a front screen removed according to the disclosure. ATM  300  preferably provides a socket  302  and cash/check slot  304  for insertion of a cash or check or other document (or removal thereof) of a mobile computer according to the disclosure. Socket  302  preferably is adapted to house a preferably entity-provided mobile computer. Socket  302  should preferably be configured such that various features of a mobile computer, such as a camera lens, is free of obstruction from surrounding ATM socket  302 . 
       FIG.  4    shows an illustrative diagram of an ATM  400  with a front screen removed and replaced with a mobile—e.g., a tablet—computer  402 . Slot  406  is also shown in  FIG.  4   . 
     Mobile computer  402  preferably includes an interface, shown schematically at  404 , and an embedded camera  408 . Interface  404  preferably provides an interface for interfacing with ATM  400 . Interface  404  can preferably provide the various signals from computer  402  to ATM  400  and from ATM  400  to computer  402 . 
     Signals from computer  402  may include user input signals. Signals from computer  402  may also include signals from camera  408 . Signals from camera  408  may be processed and parsed using an app such as the Center Stage app. described above. Signals from computer  402  may be signals involving environmental factors such as onlooker locations, or other relevant information. In fact, the signals that can be exchanged between computer  402  and ATM  400  include any relevant signals that may involve operation of ATM  400  or operation of computer  402  or any of ATM peripherals (not shown.) 
       FIG.  5    shows another illustrative diagram of an ATM  500  with a front screen removed and replaced with a mobile computer  502  according to the principles of the disclosure. In  FIG.  5   , mobile computer  502  is shown having interface  504  and camera  509 . 
     Also shown is diagonal dimension  512  which indicates the screen size of mobile computer  502 . Typically, mobile computer screen size is measured by the diagonal distance from corner to corner. It should be noted that the most preferable diagonal dimension  512  for the screen size of mobile computer  502  is between 9 inches and 17 inches. However, any suitable dimension for the screen is within the disclosure of this application. 
     The outer edge of socket  506  is also shown. In addition, slot  520  and camera  509  are also shown in  FIG.  5   . 
       FIG.  6 A  shows an illustrative diagram of a mobile computer  600  with a front screen  602 , a diagonal screen dimension  606 , a camera  612  and an interface  608  according to the principles of the disclosure. 
       FIG.  6 B  shows back face  604  and the other side of interface  608 . 
       FIG.  7    shows a schematic diagram of plug  702  and a mating plug  704  that may be used to interface between a mobile computer and an ATM according to the principles of the disclosure. 
       FIG.  8    shows a schematic diagram of the back face of an ATM  800 . An ATM user  802  is shown as well as a proximal onlooker  804  and a distal onlooker  806 . 
     Proximal onlooker  804  is shown as standing within threshold distance  808  and distal onlooker is shown as outside threshold distance  808 . In certain embodiments, threshold distance  808  may be used to determine whether the system will consider the onlooker as suspicious and, in response thereto, trigger mitigating action including, but not limited to, terminating the current session, alerting the ATM user  802 , or other suitable actions. 
       FIG.  9    shows another ATM for use with one of a group of people according to the principles of the disclosure.  FIG.  9    shows an ATM  900  with an ATM screen  901  including camera  903 , and ATM user  902 . Also shown in  FIG.  9    are onlookers  904  and  906  as well as an indication of threshold distance  908 . 
     It should be noted that onlooker  904  may be considered outside threshold distance  908  while onlooker  906  may considered within threshold distance  908 . 
     Onlooker  904  is shown in possession of first mobile device  910  while onlooker  906  is shown in possession of second mobile device  912 . In some embodiments, mobile computer  901  may be equipped with communication equipment whereby mobile computer  901  can preferably initiate and/or carry-on communication together with mobile device  910  or another suitable mobile device. During this communication, mobile computer  901  may be able to retrieve, under certain circumstances, identity information, or other relevant information, regarding onlooker  904  using mobile device  910  as a proxy for such information. 
     In certain embodiments, ATM  900  may be equipped with communication equipment as well. ATM  900  may, under circumstances, be configured to initiate communication with mobile device  912 , or other relevant mobile device. 
       FIG.  10    shows yet another ATM  1000  for use with one of a group of people according to the principles of the disclosure.  FIG.  10    shows an ATM user  1002 , and onlookers  1004  and  1006 . Onlooker  1004  is shown as possessing mobile device  1010  while onlooker  1006  is shown as possessing mobile device  1012 . In addition, user  1002  is shown as possessing mobile device  1014 . It should be noted that the ATM  1000  or mobile computer  1001  can be in communication with any of mobile devices  1010 ,  1012  and/or  1014 . Furthermore—mobile device  1002  can be in communication with other mobile devices  1010  and/or  1012  to the extent necessary to identify or otherwise interact with the other devices. 
       FIG.  11    shows an illustrative process  1100  for use according to the principles of the disclosure. Process  1100  is implemented using ATM  1102 . ATM  1102  includes a slot  1112  for cash/checks insertion and removal, a socket  1106  which is configured to hold a mobile computer  1104  and an interface  1110  configured to interface with an interface  1108  associated with mobile computer  1104 . 
     At  1114 , ATM  1102  is shown as conducting an authorization communication  1114  with back end server  1150 . Authorization communication  1114  preferably enables a user (not shown in  FIG.  11   ) to conduct an ATM session with FI-entity-provided, mobile-computer equipped, ATM  1102 . 
     Pursuant to the session initiated by the user, server  1150  preferably sends calls necessary to initiate the ATM session with the user, as shown at  1120 . Such call may, preferably, take advantage of standardized API protocol that may be available on mobile computer  1104 . 
     At  1130 , mobile computer  1104  and/or ATM  1102  is shown as responding to API calls  1120 . 
     At  1140 , server  1150  is shown as confirming response from server  1150  for display on mobile computer  1104 . 
     The steps of methods may be performed in an order other than the order shown and/or described herein. Embodiments may omit steps shown and/or described in connection with illustrative methods. Embodiments may include steps that are neither shown nor described in connection with illustrative methods. 
     Illustrative method steps may be combined. For example, an illustrative method may include steps shown in connection with another illustrative method. 
     Apparatus may omit features shown and/or described in connection with illustrative apparatus. Embodiments may include features that are neither shown nor described in connection with the illustrative apparatus. Features of illustrative apparatus may be combined. For example, an illustrative embodiment may include features shown in connection with another illustrative embodiment. 
     The drawings show illustrative features of apparatus and methods in accordance with the principles of the invention. The features are illustrated in the context of selected embodiments. It will be understood that features shown in connection with one of the embodiments may be practiced in accordance with the principles of the invention along with features shown in connection with another of the embodiments. 
     One of ordinary skill in the art will appreciate that the steps shown and described herein may be performed in other than the recited order and that one or more steps illustrated may be optional. The methods of the above-referenced embodiments may involve the use of any suitable elements, steps, computer-executable instructions, or computer-readable data structures. In this regard, other embodiments are disclosed herein as well that can be partially or wholly implemented on a computer-readable medium, for example, by storing computer-executable instructions or modules or by utilizing computer readable data structures. 
     Thus, methods and systems for providing an AUTOMATED TELLER MACHINE (ATM) ONLOOKER DETECTION are provided. Persons skilled in the art will appreciate that the present invention can be practiced by other than the described embodiments, which are presented for purposes of illustration rather than of limitation, and that the present invention is limited only by the claims that follow.