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91. 发明授权

US08091778B1 Banking system computer determines nearest bank able to process a customer's transaction request, provides directions to the bank, and sends transaction request information and customer's image to the bank before the customer arrives at the bank 有权
标题翻译：银行系统计算机确定最近的银行能够处理客户的交易请求，向银行提供指示，并在客户到达银行之前将交易请求信息和客户的图像发送到银行
公开(公告)号：US08091778B1
公开(公告)日：2012-01-10
申请号：US12799551
申请日：2010-04-27
申请人： James Block , H. Thomas Graef , Paul D. Magee , Donald S. Nelson, Jr.
发明人： James Block , H. Thomas Graef , Paul D. Magee , Donald S. Nelson, Jr.
IPC分类号： G06Q40/00 , G07D11/00 , G07F19/00
CPC分类号： G06Q40/00 , G06Q20/1085 , G07F19/20
摘要： A banking system computer can receive a transaction request from a remotely located customer, and then determine the nearest bank in the banking system that is able to process the transaction request. The computer then provides the customer with directions to the bank. Before arrival of the customer at the bank, the computer provides the bank with each of notification of the impending arrival of the customer, transaction information usable by the bank to process the transaction request, and an image of the customer. Personnel at the bank can then recognize and greet the arriving customer.
摘要翻译：银行系统计算机可以从远程位置的客户接收交易请求，然后确定银行系统中能够处理交易请求的最近的银行。然后，计算机向客户提供有关银行的指示。在客户到达银行之前，计算机向银行提供客户即将到达的通知，银行可用的处理交易请求的交易信息和客户的图像。然后，银行的人员可以识别和迎接到达的客户。

92. 发明授权

US08025218B2 Automated banking machine 有权
标题翻译：自动银行机
公开(公告)号：US08025218B2
公开(公告)日：2011-09-27
申请号：US12586461
申请日：2009-09-21
申请人： Keith Carpenter , Craig Hockman , Willis Miller , Laura Drozda , Paul Burns , Thomas B. Phillips , John C. Valcore , H. Thomas Graef , Edward L. Laskowski , James Meek , Martin J. Brown , Todd Galloway , Robert W. Barnett , Mike Ryan , James R. Kay , Mark A. Ward , David A. Peters , Greg Miller , Arindam Laha , Joseph M. Altier
发明人： Keith Carpenter , Craig Hockman , Willis Miller , Laura Drozda , Paul Burns , Thomas B. Phillips , John C. Valcore , H. Thomas Graef , Edward L. Laskowski , James Meek , Martin J. Brown , Todd Galloway , Robert W. Barnett , Mike Ryan , James R. Kay , Mark A. Ward , David A. Peters , Greg Miller , Arindam Laha , Joseph M. Altier
IPC分类号： G07F19/00
CPC分类号： G07F19/20 , B65H3/00 , B65H29/06 , B65H29/40 , B65H29/60 , B65H39/02 , B65H83/025 , B65H2301/42122 , B65H2301/42146 , B65H2404/261 , B65H2404/651 , B65H2404/655 , B65H2404/657 , B65H2701/1912 , G06Q20/042 , G06Q20/1085 , G07D7/12 , G07D7/181 , G07D7/20 , G07D11/0003 , G07D11/0018 , G07D11/0021 , G07D11/0048 , G07D11/0051 , G07D11/0054 , G07D11/0066 , G07D11/009 , G07F19/201 , G07F19/202 , G07F19/203
摘要： An automated banking machine (10) operates responsive to data read from data bearing records to cause financial transfers. The machine includes a user interface (12) including an opening (20). Users of the machine deliver individual sheets and stacks of sheets to and from the machine through the opening. Stacks of sheets may include sheets such as notes, checks or other documents. Stacks input to the machine may include mixtures of various types of sheets. The machine operates to receive notes, process checks and perform other operations. Notes received in the machine may be recycled and dispensed to other users. Checks processed by the machine may be imaged by an imaging device, cancelled and stored in the machine or alternatively returned to a user.
摘要翻译：自动银行机（10）响应于从数据承载记录读取的数据进行经营转移。该机器包括包括开口（20）的用户界面（12）。机器的用户通过开口将单张纸张和堆叠的纸张递送到机器。纸张堆叠可能包括纸张，如纸币，支票或其他文件。输入到机器的堆叠可以包括各种类型的片材的混合物。机器操作以接收笔记，过程检查和执行其他操作。在机器中收到的注意事项可以回收并分发给其他用户。由机器处理的检查可以由成像设备成像，取消并存储在机器中或者交替地返回给用户。

93. 发明授权

US08002177B2 Check cashing automated banking machine controlled responsive to data bearing records 有权
标题翻译：检查兑现自动银行机器，根据数据记录记录进行控制
公开(公告)号：US08002177B2
公开(公告)日：2011-08-23
申请号：US12807987
申请日：2010-09-16
申请人： James Meek , H. Thomas Graef , Edward L. Laskowski , Martin J. Brown , Todd Galloway , Robert W. Barnett , Mike Ryan , James R. Kay , Mark A. Ward , David A. Peters , Dale Blackson
发明人： James Meek , H. Thomas Graef , Edward L. Laskowski , Martin J. Brown , Todd Galloway , Robert W. Barnett , Mike Ryan , James R. Kay , Mark A. Ward , David A. Peters , Dale Blackson
IPC分类号： G07F19/00
CPC分类号： G07F19/20 , B65H3/047 , B65H5/006 , B65H5/023 , B65H5/26 , B65H15/00 , B65H29/12 , B65H29/60 , B65H29/70 , B65H39/02 , B65H2301/3122 , B65H2301/42122 , B65H2301/4213 , B65H2301/42262 , B65H2301/4233 , B65H2301/4318 , B65H2403/942 , B65H2404/261 , B65H2404/2693 , B65H2404/7412 , B65H2404/7414 , B65H2511/514 , B65H2701/18264 , B65H2701/18268 , B65H2701/1912 , B65H2701/1916 , B65H2701/1932 , G06Q20/042 , G06Q20/108 , G07D7/12 , G07D7/181 , G07D7/20 , G07D11/0003 , G07D11/0018 , G07D11/0021 , G07D11/0048 , G07D11/0051 , G07D11/0054 , G07D11/0066 , G07D11/009 , G07F19/201 , G07F19/202 , G07F19/203 , B65H2220/01 , B65H2701/1313
摘要： An automated banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that reads data from user cards corresponding to financial accounts. The machine can communicate with a host computer to cash financial checks. The machine can read check indicia, send check data to the host, receive authorization from the host to cash the check, and dispense cash corresponding to the check. The machine can also produce image data representative of the check indicia and determine whether the image data can be accurately identified within a predetermined level of assurance.
摘要翻译：自动银行业务机构响应于从数据记录中读取的数据进行财务转移。该机器包括读卡器，用于从对应于财务帐户的用户卡读取数据。该机器可与主机进行通信以实现财务检查。机器可以读取检查标记，向主机发送检查数据，从主机接收授权以现金支票，并分配对应支票的现金。机器还可以产生表示检查标记的图像数据，并且确定在预定的保证水平内是否能够准确地识别图像数据。

94. 发明授权

US07980462B1 Automated transaction machine with card reader that can read unique magnetic characteristic of a magnetic stripe 有权
标题翻译：具有可读取磁条独特磁特性的读卡器的自动交易机
公开(公告)号：US07980462B1
公开(公告)日：2011-07-19
申请号：US11981783
申请日：2007-10-31
申请人： H. Thomas Graef , James Meek
发明人： H. Thomas Graef , James Meek
IPC分类号： G06Q40/00 , G07D11/00 , G07F19/00 , G06K5/00 , G06K19/00 , G06K19/06
CPC分类号： G07F19/201 , G06Q20/1085 , G06Q20/382 , G06Q20/40 , G06Q20/401 , G06Q30/02 , G06Q30/0251 , G06Q30/0271 , G07F19/20 , G07F19/211
摘要： An automated transaction machine includes a card reader that can read a unique magnetic characteristic of a magnetic stripe on a card. The machine can then send data reflective of the read characteristic to a remote card validator. The card validator can compare the received data to referenced magnetic characteristic data corresponding to cards authorized for use with the machine. The machine can also communicate with a transaction host computer to carry out a financial transaction. As a result of the magnetic data comparison, an invalid card can be discovered and a fraudulent transaction prevented. Communication between the card validator and machine is independent from communication between the transaction host and machine.
摘要翻译：自动交易机器包括读卡器，其可以读取卡上的磁条的独特磁特性。然后，机器可以将反映读取特性的数据发送到远程卡验证器。卡验证器可以将接收的数据与对应于授权与机器一起使用的卡相对应的参考磁特性数据进行比较。该机器还可以与交易主机通信以进行金融交易。作为磁数据比较的结果，可以发现无效的卡并防止欺诈交易。卡验证器和机器之间的通信独立于交易主机与机器之间的通信。

95. 发明授权

US07980461B1 Card activated automated banking machine system and method 有权
标题翻译：卡激活自动银行机系统及方法
公开(公告)号：US07980461B1
公开(公告)日：2011-07-19
申请号：US11906252
申请日：2007-10-01
申请人： Jeffery M. Enright , H. Thomas Graef
发明人： Jeffery M. Enright , H. Thomas Graef
IPC分类号： G06Q40/00
CPC分类号： G07F19/202 , G07D11/0072 , G07F19/20
摘要： A card activated automated banking machine (10) includes a user interface (15). The user interface includes a card reader (16), receipt printer opening (30), cash dispensing opening (38) and deposit accepting opening (40). A stack of notes (84) input to the machine are separated one by one from the stack through the action of at least one picking member (158, 352) and at least one stripper member (64, 162, 354). Note holding cassettes include sensors operative to detect near full and near empty conditions. At least one processor in the machine is operative to control the addition and/or removal of notes from each cassette so as to avoid overfilling or depleting the cassettes which may result in machine malfunctions.
摘要翻译：卡激活自动银行机（10）包括用户界面（15）。用户界面包括读卡器（16），收据打印机开口（30），现金分配开口（38）和存款接收开口（40）。通过至少一个拾取构件（158,352）和至少一个剥离构件（64,162,354）的作用，输入到机器的一堆纸币（84）被一个一个地从堆叠中分离。注意保持盒包括用于检测接近完全和接近空的条件的传感器。机器中的至少一个处理器可操作以控制每个盒的纸币的添加和/或移除，以避免过量填充或耗尽盒子，这可能导致机器故障。

96. 发明授权

US07954703B2 Banking system controlled responsive to data bearing records 有权
标题翻译：控制数据记录的银行系统
公开(公告)号：US07954703B2
公开(公告)日：2011-06-07
申请号：US12800878
申请日：2010-05-25
申请人： Willis Miller , Matthew R. Zaugg , James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffery M. Enright , Mark A. Douglass , Dale H. Blackson
发明人： Willis Miller , Matthew R. Zaugg , James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffery M. Enright , Mark A. Douglass , Dale H. Blackson
IPC分类号： G06K5/00
CPC分类号： G07F19/201 , G06Q20/1085 , G06Q20/322 , G06Q20/3221 , G06Q20/3223 , G06Q20/388 , G06Q20/40 , G06Q20/4014 , G06Q20/40145 , G06Q20/425 , G06Q40/02 , G07F19/20 , G07F19/205
摘要： A banking system operates to cause financial transfers responsive to card data read from data bearing records by a card reader. The system includes at least one automated banking machine comprising a cash dispenser. The system is operative during a cash dispense transaction request to receive through an automated banking machine, user input of data corresponding to a mobile phone number. The system is operative to generate a security code for the requested cash dispense transaction. The system uses the phone number to send the generated security code to the mobile phone. The cash dispense transaction is allowed to proceed only if the system receives machine user input of the sent security code within a predetermined amount of time.
摘要翻译：银行系统的操作是响应于读卡器从数据记录读取的卡数据进行财务转移。该系统包括至少一个包括自动提款机的自动银行机。该系统在现金分配交易请求期间操作以通过自动银行机接收用户输入与移动电话号码相对应的数据。该系统用于生成所请求的现金分配交易的安全代码。系统使用电话号码将生成的安全码发送到手机。仅当系统在预定时间内接收到所发送的安全码的机器用户输入时，允许现金分配交易进行。

97. 发明授权

US07946480B2 Transaction dependent on ATM receiving user input of the security code sent during transaction to account'S designated mobile phone 有权
标题翻译：交易取决于ATM接收用户输入的交易中发送的安全码到帐户指定的手机
公开(公告)号：US07946480B2
公开(公告)日：2011-05-24
申请号：US12584491
申请日：2009-09-04
申请人： Willis Miller , Matthew R. Zaugg , James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffery M. Enright , Dale H. Blackson , Caren R. Blackson, legal representative , Mark A. Douglass
发明人： Willis Miller , Matthew R. Zaugg , James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffery M. Enright , Dale H. Blackson , Mark A. Douglass
IPC分类号： G06K5/00
CPC分类号： G07F19/201 , G06Q20/1085 , G06Q20/322 , G06Q20/3221 , G06Q20/3223 , G06Q20/388 , G06Q20/40 , G06Q20/4014 , G06Q20/40145 , G06Q20/425 , G06Q40/02 , G07F19/20 , G07F19/205
摘要： An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that reads card data from a card of a machine user. The card data is linked in a data store to both a customer's financial account and a cell phone assigned to that customer. In response to the user's transaction request, contact data for the assigned cell phone is determined from the data store using the read card data. A transaction security code is then sent to that cell phone. The transaction is allowed to proceed only if the user inputs the sent security code to the machine within a predetermined amount of time. Transaction allowance may also be based on a real time determination that the assigned cell phone is physically located proximate the machine.
摘要翻译：自动银行业务机构可以根据从数据记录中读取的数据进行财务转移。该机器包括读卡器，用于从机器用户的卡片读取卡片数据。卡数据在数据存储中链接到客户的金融帐户和分配给该客户的手机。响应于用户的交易请求，使用读卡数据从数据存储确定分配的手机的联系人数据。然后将交易安全码发送到该手机。仅当用户在预定的时间内将所发送的安全码输入机器时才允许该事务进行。交易津贴也可以基于分配的手机物理上位于机器附近的实时确定。

98. 发明申请

US20100288831A1 Automated banking machine currency presenter arrangement 有权
标题翻译：自动银行机构货币主持人安排
公开(公告)号：US20100288831A1
公开(公告)日：2010-11-18
申请号：US12803607
申请日：2010-06-30
申请人： H. Thomas Graef , Michael J. Harty , Kenneth C. Kontor , Eric S. VanKeulen , William D. Beskitt , Michael S. Johnson
发明人： H. Thomas Graef , Michael J. Harty , Kenneth C. Kontor , Eric S. VanKeulen , William D. Beskitt , Michael S. Johnson
IPC分类号： G07F19/00 , B65D83/08
CPC分类号： B65H1/26 , B65H2401/113 , B65H2405/1142 , G07D11/0012 , G07F19/20 , G07F19/201 , G07F19/205
摘要： A banking system includes an automated banking machine controlled by data bearing records. The machine compares indicia from a bearer record with computer information regarding the bearer. The machine operates to reallocate credit among various accounts responsive to computer determined correspondence among stored user identification data, read card data, and read biometric data. The machine also includes a note presenter and a currency cassette. A gate of the presenter is located at a note dispensing outlet of the machine. The gate is opened by actuating a lever linked with an arm connected to the gate. The currency cassette includes a one-piece polymer body attached to a one-piece polymer lid. A one-piece tambour door is movable along guide tracks integrally formed with body side walls.
摘要翻译：银行系统包括由数据承载记录控制的自动银行机。该机器将来自承载记录的标记与关于承载的计算机信息进行比较。该机器响应于存储的用户识别数据，读卡数据和读取的生物测定数据之间的计算机确定的对应关系，在各种帐户之间重新分配信用。该机器还包括一个音符演示者和一个货币盒。演示者的门位于机器的音符分发出口。通过致动与连接到门的臂连接的杠杆来打开门。货币盒包括连接到单件聚合物盖的单件聚合物主体。一体式的鼓门可以沿着与身体侧壁一体形成的导轨移动。

99. 发明授权

US07793832B2 Automated banking machine which dispenses, receives and stores notes and other financial instrument sheets 有权
标题翻译：自动银行机器，分配，接收和存储票据和其他金融工具表
公开(公告)号：US07793832B2
公开(公告)日：2010-09-14
申请号：US12315727
申请日：2008-12-05
申请人： Zachary Utz , Daniel Schoeffler , Shawn Griggy , Nat Ramachandran , H. Thomas Graef
发明人： Zachary Utz , Daniel Schoeffler , Shawn Griggy , Nat Ramachandran , H. Thomas Graef
IPC分类号： G06K5/00
CPC分类号： G07D11/009 , G06Q20/042 , G06Q20/0425 , G06Q20/1085 , G06Q20/18 , G06Q40/00 , G07D11/0003 , G07D11/0018 , G07D11/0081 , G07F19/20 , G07F19/201 , G07F19/202 , G07F19/205
摘要： An automated banking machine that operates responsive to data bearing records includes a card reader (16) operative to read data corresponding to financial accounts from user cards. An exemplary machine (10) includes a fascia (12) which extends on the outside of a wall (14) and includes a user interface (15). Responsive to user inputs through the user interface, the machine is operative to receive a stack of currency notes (84) from a user. Notes in a currency note stack can be evaluated through operation of a currency note validator device (88). Acceptable currency notes can be stored for recycling.
摘要翻译：响应于数据承载记录操作的自动银行机包括读卡器（16），用于从用户卡读取对应于金融账户的数据。示例性机器（10）包括在壁（14）的外部延伸并包括用户界面（15）的面板（12）。响应于通过用户界面的用户输入，机器可操作以从用户接收一堆钞票（84）。货币票据堆栈中的笔记可以通过操作货币单确认器（88）进行评估。可以存储可接受的货币来进行回收。

100. 发明授权

US07780073B2 Polymer divert cassette for ATM currency 有权
标题翻译：用于ATM货币的聚合物转移盒
公开(公告)号：US07780073B2
公开(公告)日：2010-08-24
申请号：US11522747
申请日：2006-09-18
申请人： H. Thomas Graef , Michael J. Harty , Kenneth C. Kontor , Eric S. VanKeulen , William D. Beskitt , Michael S. Johnson
发明人： H. Thomas Graef , Michael J. Harty , Kenneth C. Kontor , Eric S. VanKeulen , William D. Beskitt , Michael S. Johnson
IPC分类号： G07F19/00
CPC分类号： B65H1/26 , B65H2401/113 , B65H2405/1142 , G07D11/0012 , G07F19/20 , G07F19/201 , G07F19/205
摘要： A polymer currency cassette for an ATM. The cassette includes a one-piece polymer body attached to a one-piece polymer lid. The lid is arranged with the body to resist entry into the cassette interior. Integral stiffening ribs are provided. The body side walls include integrally formed guide tracks. A one-piece tambour door is securely movable along the guide tracks. The upper edge of each body side wall extends into a gap created between double-walled side walls of the lid when the lid is closed. A tab, which projects outward from an upper edge of a body side wall, extends even further into the closed lid. The tab becomes nested in an aligned slot in the lid when the lid is closed. A nested tab affords further cassette security by providing resistance to lid and body separation.
摘要翻译：一种用于ATM的聚合物货币盒式磁带。该盒包括连接到单件聚合物盖的单件聚合物体。盖与主体一起布置以抵抗进入盒内部。提供积分加强筋。主体侧壁包括整体形成的导轨。一个整体的鼓形门可沿导轨牢固移动。当盖关闭时，每个主体侧壁的上边缘延伸到在盖的双壁侧壁之间产生的间隙。从身体侧壁的上边缘向外突出的突片更进一步延伸到封闭的盖子中。当盖子关闭时，标签嵌套在盖子中对齐的插槽中。嵌套片通过提供对盖子和身体分离的抵抗力而提供进一步的盒安全性。

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