Patent ID: 8540142

Claim:
Apparatus comprising: an automated banking machine controlled responsive at least in part by data bearing records, wherein the machine is usable to carry out financial transactions, wherein the machine includes a cash dispenser, wherein the cash dispenser is operable to selectively dispense cash stored in the machine to authorized machine users, wherein the machine includes a user interface, wherein the user interface includes a card insertion slot, wherein the slot is sized to receive a card comprising a magnetic stripe, wherein the machine includes a plurality of input devices, wherein the plurality of input devices include at least one reader, wherein the at least one reader includes a card reader arranged adjacent the slot, wherein the card reader is operable to receive a card from a user of the machine, wherein the card reader includes at least one magnetic read head, wherein the at least one magnetic read head is operable to read an account number from a magnetic stripe of a card, wherein the card reader includes at least one card reader processor, wherein the at least one card reader processor is operable to encrypt an account number read by the at least one magnetic read head, wherein the plurality of input devices include an encrypting pin pad (EPP), wherein the EPP is operable to receive a personal identification number (PIN) from the user, wherein the EPP includes at least one EPP processor, wherein the at least one EPP processor is operable to encrypt a user PIN received by the EPP, wherein the machine includes a machine controller, wherein the machine controller comprises at least one computer, wherein the machine controller is in operative connection with the plurality of input devices, wherein the machine controller is operable to cause an account number encrypted by the card reader to be communicated to the EPP, wherein the EPP is operable to decipher an account number encrypted by the card reader processor, and then encrypt the deciphered account number, wherein the machine controller is operable to cause at least one message to be sent to a transaction host system including at least one host computer, wherein the at least one message includes a PIN encrypted by the EPP, and an account number encrypted by the EPP, wherein the machine controller is operable to cause the cash dispenser to dispense cash in carrying out a cash dispense transaction requested by the user, responsive at least in part to host computer-determined correspondence between the PIN and the account number in the at least one message, wherein the machine controller is operable to cause a financial account corresponding to the account number to be assessed a value associated with an amount of cash dispensed in the cash dispense transaction.