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11. 发明申请

US20070199984A1 Automated banking machine with improved resistance to fraud 有权
标题翻译：自动银行机具有改善的抗欺诈能力
公开(公告)号：US20070199984A1
公开(公告)日：2007-08-30
申请号：US11796861
申请日：2007-04-30
申请人： Natarajan Ramachandran , Jeffery Enright , Dale Blackson
发明人： Natarajan Ramachandran , Jeffery Enright , Dale Blackson
IPC分类号： G07F19/00
CPC分类号： G07F19/2055 , G07F19/20 , G07F19/207
摘要： An automated banking machine has sensing devices adjacent a card reader slot. The sensing devices enable detection of a fraudulent card reading device.
摘要翻译：自动银行机具有与读卡器插槽相邻的感测装置。感测装置能够检测欺诈性读卡装置。

12. 发明授权

US07118031B2 Automated banking machine with improved resistance to fraud 有权
标题翻译：自动银行机具有改善的抗欺诈能力
公开(公告)号：US07118031B2
公开(公告)日：2006-10-10
申请号：US10832960
申请日：2004-04-27
申请人： Natarajan Ramachandran , Jeffery M. Enright , Dale Blackson
发明人： Natarajan Ramachandran , Jeffery M. Enright , Dale Blackson
IPC分类号： G06F17/60
CPC分类号： G06Q20/18 , G07F19/20 , G07F19/201 , G07F19/2055 , G07F19/207 , G07F19/211
摘要： 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.
摘要翻译：自动银行机器（10）包括可锁定的第一面板部分（20），当解锁时，可以访问胸锁锁输入装置（104），能够打开机器的胸门（18）的输入。打开第一面板部分还使得能够进入能够移动第二面板部分（22）以进行服务活动的致动器（116）。机器中的控制器（72）为了便于用户操作机器而选择性地照亮发光装置（118,126）。与机器上的读卡器插槽（28）相邻的传感设备（128）使得控制器能够检测到欺诈设备或未经授权的读卡设备的存在。邻近键盘（32）的传感装置（254）使得控制器能够检测未经授权的手动输入拦截装置的存在。

13. 发明授权

US07866544B1 Card reading automated banking machine authorization based on user location verification 有权
标题翻译：基于用户位置验证的卡阅读自动银行授权
公开(公告)号：US07866544B1
公开(公告)日：2011-01-11
申请号：US11370513
申请日：2006-03-07
申请人： James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffery M. Enright , Dale Blackson
发明人： James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffery M. Enright , Dale Blackson
IPC分类号： G06F17/00
CPC分类号： G07F19/201 , G06Q20/18 , G06Q20/3224 , G07F19/20 , G07F19/2055 , G07F19/207 , G07G3/003 , H04W4/021
摘要： An ATM transaction request is authorized based on the determined location of an authorized user relative to the ATM. Identification of an authorized ATM user is linked to a remotely locatable item (e.g., a cell phone) of the authorized user. An ATM receiving the identification causes the location of the cell phone to be determined. A comparison is then made of the cell phone location and the ATM location. If the locations correspond, then the current ATM user is recognized as the authorized user and ATM transactions are permitted. If the locations do not correspond, then the current ATM user is denied ATM transactions. The security arrangement can prevent an unauthorized ATM user from using a fraudulent ATM card to access a financial account.
摘要翻译：基于所确定的授权用户相对于ATM的位置来授权ATM交易请求。授权ATM用户的标识被链接到授权用户的可远程定位的项目（例如，蜂窝电话）。接收到该标识的ATM使确定手机的位置。然后比较手机位置和ATM位置。如果位置对应，则当前ATM用户被认定为授权用户，并允许ATM交易。如果位置不对应，则当前ATM用户被拒绝ATM交易。安全安排可以防止未经授权的ATM用户使用欺诈ATM卡访问财务帐户。

14. 发明申请

US20070080215A1 Automated banking machine with improved resistance to fraud 有权
标题翻译：自动银行机具有改善的抗欺诈能力
公开(公告)号：US20070080215A1
公开(公告)日：2007-04-12
申请号：US11542644
申请日：2006-10-03
申请人： Natarajan Ramachandran , Jeffery Enright , Dale Blackson , Edward Laskowski , Carole Laskowski
发明人： Natarajan Ramachandran , Jeffery Enright , Dale Blackson , Edward Laskowski , Carole Laskowski
IPC分类号： G06F7/08 , G07F19/00
CPC分类号： G07F19/20 , G06Q20/1085 , G06Q20/18 , G07F19/201 , G07F19/2055 , G07F19/207 , G07F19/211
摘要： A cash dispensing automated banking machine includes a card reader associated with a card slot. An anti-fraud sensing device is able to sense ambient light or generated radiation that passes to the sensing device through the card reader slot. The installation of an unauthorized card reading device on the machine changes at least one property sensed by the sensing device. A controller in the machine receives signals from the sensing device, and determines if an unauthorized card reading device has been installed.
摘要翻译：现金分配自动银行机包括与卡槽相关联的读卡器。反欺诈感测装置能够通过读卡器槽感测环境光或传递到感测装置的辐射。在机器上安装未授权的读卡装置改变感测装置感测到的至少一个属性。机器中的控制器接收来自感测装置的信号，并且确定是否已经安装了未授权的读卡装置。

15. 发明申请

US20060243790A1 Automated banking machine with improved resistance to fraud 有权
标题翻译：自动银行机具有改善的抗欺诈能力
公开(公告)号：US20060243790A1
公开(公告)日：2006-11-02
申请号：US11454257
申请日：2006-06-16
申请人： Natarajan Ramachandran , Jeffery Enright , Dale Blackson
发明人： Natarajan Ramachandran , Jeffery Enright , Dale Blackson
IPC分类号： G07F19/00
CPC分类号： G06Q20/18 , G07F19/20 , G07F19/201 , G07F19/2055 , G07F19/207 , G07F19/211
摘要： Apparatus and method for interfering with an unauthorized device attempting to acquire user identification information at a cash dispensing automated banking machine. The apparatus includes an emitter for emitting radiation at one or more frequencies to interfere with actual or suspected radiation transmitted from an unauthorized device in a proximity of the banking machine. The radiation may be substantially continually emitted or emitted responsive to a user supplying input to the machine. The radiation may be emitted over a plurality of frequencies within a frequency range associated with unauthorized devices. Additionally, the machine may include a sensing device for monitoring the nature and quality of unauthorized radiation.
摘要翻译：用于干扰试图在现金分配自动银行机上获得用户识别信息的未授权设备的装置和方法。该装置包括用于以一个或多个频率发射辐射的发射器，以干扰在银行机器附近从未授权设备发送的实际或疑似辐射。响应于向机器提供输入的用户，辐射可以基本上连续地发射或发射。辐射可以在与未授权设备相关联的频率范围内的多个频率上发射。另外，机器可以包括用于监视未授权辐射的性质和质量的感测装置。

16. 发明申请

US20050073584A1 Cash dispensing automated banking machine with improved fraud detection capabilities 有权
标题翻译：现金分发自动银行机具有改进的欺诈检测能力
公开(公告)号：US20050073584A1
公开(公告)日：2005-04-07
申请号：US10796506
申请日：2004-03-09
申请人： Jeffery Enright , Thomas Mason , Dale Blackson , Dean Stewart , Natarajan Ramachandran
发明人： Jeffery Enright , Thomas Mason , Dale Blackson , Dean Stewart , Natarajan Ramachandran
IPC分类号： G06Q20/00 , G07F19/00 , H04N7/18
CPC分类号： G06Q20/18 , G07F19/20 , G07F19/201 , G07F19/205 , G07F19/207 , G07F19/211 , H04N7/188
摘要： An automated banking machine is operative to dispense cash to authorized users. The user interface of the machine includes features for detection of fraudulent activities at the machine. Sensors are provided for detecting the installation of unauthorized card reading devices adjacent the card reader. Vibration sensors are used to detect the installation of unauthorized card reading or bill trap devices. A machine controller or other processor is programmed to detect events or circumstances which may indicate that improper activity is occurring. Cameras are used to capture images of the user interface. Changes in the images are analyzed by a computer to detect the installation of unauthorized devices.
摘要翻译：自动银行机可以向授权用户分配现金。机器的用户界面包括用于检测机器上的欺诈活动的功能。提供传感器用于检测与读卡器相邻的未经授权的读卡装置的安装。振动传感器用于检测未经授权的读卡装置的安装，或者是采用窃电设备。机器控制器或其他处理器被编程以检测可能指示发生不正当活动的事件或情况。相机用于捕获用户界面的图像。计算机分析图像的变化，以检测未经授权的设备的安装。

17. 发明申请

US20050216408A1 Automated banking machine apparatus and system 审中-公开
标题翻译：自动银行机器设备及系统
公开(公告)号：US20050216408A1
公开(公告)日：2005-09-29
申请号：US11125518
申请日：2005-05-09
申请人： Jay Drummond , Dale Blackson , Bob Cichon , Joseph Ess , Mark Moales , David Weis , Mark Smith , James Church
发明人： Jay Drummond , Dale Blackson , Bob Cichon , Joseph Ess , Mark Moales , David Weis , Mark Smith , James Church
IPC分类号： G06F3/023 , G06F3/048 , G06F9/44 , G06F17/30 , G06Q20/00 , G07F19/00 , H04L29/06 , H04L29/08 , G06F17/60
CPC分类号： G06F3/023 , G06F3/04895 , G06F16/95 , G06Q20/00 , G06Q20/042 , G06Q20/108 , G06Q20/1085 , G06Q20/18 , G06Q20/202 , G06Q20/40 , G06Q30/06 , G06Q40/00 , G07F19/20 , G07F19/201 , G07F19/206 , G07F19/211 , H04L29/06 , H04L63/0853 , H04L63/0861 , H04L63/12 , H04L67/02 , H04L67/12 , H04L67/2814 , H04L67/2823 , H04L67/2842 , H04L67/34 , H04L69/329 , H04L69/40
摘要： An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16), as well as in response to messages exchanged with foreign servers (20, 22, 24, 26, 28, 96) in a wide area network (18). The banking machine includes a computer (34) having an HTML document handling software portion (76, 80, 82). The computer further includes a device application software portion (84) which interfaces with the HTML document handling software portion and dispatches messages to operate devices (36) in the automated banking machine. The device application software portion (84) communicates with a device interfacing software portion (64) in the banking machine through a device server (92) in the intranet. The device server maintains local control over the transaction function devices in the banking machine, including a cash dispenser (42).
摘要翻译：自动银行机（12）可操作以响应于通过内联网（16）与本地计算机系统（14）交换的HTML文档和TCP / IP消息以及响应于与外部服务器交换的消息进行交易（ 20,22,24,26,28,96）在广域网（18）中。银行机包括具有HTML文档处理软件部分（76,80,82）的计算机（34）。计算机还包括与HTML文档处理软件部分接口并发送消息以操作自动银行机器中的设备（36）的设备应用软件部分（84）。设备应用软件部分（84）通过内联网中的设备服务器（92）与银行机器中的设备接口软件部分（64）进行通信。设备服务器对银行机器中的交易功能设备进行本地控制，包括自动提款机（42）。

18. 发明申请

US20050182723A1 Server software adapted to covert messages to enable ATM and ATM host communication 有权
标题翻译：服务器软件适用于隐藏消息以启用ATM和ATM主机通信
公开(公告)号：US20050182723A1
公开(公告)日：2005-08-18
申请号：US11099369
申请日：2005-04-04
申请人： Bruce Richards , Jay Drummond , Dale Blackson , Bob Cichon , Joseph Ess , Mark Moales , David Weis , Mark Smith , James Church
发明人： Bruce Richards , Jay Drummond , Dale Blackson , Bob Cichon , Joseph Ess , Mark Moales , David Weis , Mark Smith , James Church
IPC分类号： G06F3/023 , G06F3/048 , G06F9/44 , G06F17/30 , G06Q20/00 , G07F19/00 , H04L29/06 , H04L29/08 , G06F17/60
CPC分类号： H04L67/2823 , G06F3/023 , G06F3/04895 , G06F17/30861 , G06Q20/00 , G06Q20/042 , G06Q20/1085 , G06Q20/18 , G06Q30/04 , G06Q30/06 , G06Q40/00 , G07F19/20 , G07F19/201 , G07F19/206 , G07F19/211 , H04L29/06 , H04L63/12 , H04L67/02 , H04L67/12 , H04L67/2828 , H04L67/34 , H04L69/329
摘要： A server is in communication with an ATM host and at least one ATM. Sever software is adapted to operate in the server to cause messages to be converted to enable ATM and ATM host communication. The server is operative to receive messages from the ATM host and/or the ATM, cause the received messages to be converted for handling by the other one of the ATM host and the ATM, and then cause the converted messages to be sent to the other one of the ATM host and the ATM. In one embodiment, the server software is operative to cause HTTP messages to be converted to non-HTTP messages, and vice versa.
摘要翻译：服务器与ATM主机和至少一个ATM通信。 Sever软件适用于在服务器中进行操作以使消息被转换以使得ATM和ATM主机通信成为可能。服务器可操作以从ATM主机和/或ATM接收消息，导致所接收的消息被转换以供另一个ATM主机和ATM处理，然后使转换的消息被发送到另一个 ATM主机和ATM之一。在一个实施例中，服务器软件可操作以使HTTP消息被转换为非HTTP消息，反之亦然。

19. 发明申请

US20050080742A1 Cash dispensing automated banking machine and method 审中-公开
标题翻译：现金分配自动银行机和方法
公开(公告)号：US20050080742A1
公开(公告)日：2005-04-14
申请号：US10957287
申请日：2004-09-30
申请人： Jay Drummond , Dale Blackson , Lilei Chen , Bob Cichon , Mark Covert , Bradrick Lepper , Mark Moales , Mark Smith , Robert Lemley , Michael Califf , Shawn Joyce , Phillip Moore , Steven Swingler
发明人： Jay Drummond , Dale Blackson , Lilei Chen , Bob Cichon , Mark Covert , Bradrick Lepper , Mark Moales , Mark Smith , Robert Lemley , Michael Califf , Shawn Joyce , Phillip Moore , Steven Swingler
IPC分类号： G06F3/023 , G06F3/048 , G06F9/44 , G06F17/30 , G06Q20/00 , G07F19/00 , H04L29/06 , H04L29/08 , G06F17/60
CPC分类号： H04L67/34 , G06F3/023 , G06F3/04895 , G06F16/95 , G06Q20/00 , G06Q20/027 , G06Q20/042 , G06Q20/0855 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q20/18 , G06Q20/209 , G06Q20/3678 , G06Q20/382 , G06Q20/401 , G06Q30/06 , G06Q40/00 , G06Q40/12 , G07F19/20 , G07F19/201 , G07F19/206 , G07F19/211 , H04L29/06 , H04L63/0236 , H04L67/02 , H04L67/12 , H04L67/2814 , H04L69/329
摘要： An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16), as well as in response to messages exchanged with foreign servers (20, 22, 24, 26, 28, 96) in a wide area network (18). The banking machine includes a computer (34) having an HTML document handling portion (76, 80, 82). The HTML document handling portion is operative to communicate through a proxy server (88), with a home HTTP server (90) in the intranet or the foreign servers in the wide area network. The computer further includes a device application portion (84) which interfaces with the HTML document handling portion and dispatches messages to operate devices (36) in the automated banking machine. The devices include a sheet dispenser mechanism (42) which dispenses currency as well as other transaction devices. The device application portion communicates with a device interfacing software portion (64) in the banking machine through a device server (92) in the intranet. The device server maintains local control over the devices in the banking machine including the sheet dispenser. The banking machine operates to read indicia on the user's card corresponding to a system address. The computer is operative to connect the banking machine to the home or foreign server corresponding to the system address, which connected server operates the banking machine until the completion of transactions by the user.
摘要翻译：自动银行机（12）可操作以响应于通过内联网（16）与本地计算机系统（14）交换的HTML文档和TCP / IP消息以及响应于与外部服务器交换的消息进行交易（ 20,22,24,26,28,96）在广域网（18）中。银行机包括具有HTML文档处理部分（76,80,82）的计算机（34）。 HTML文档处理部分可操作以通过代理服务器（88）与内联网中的家庭HTTP服务器（90）或广域网中的外部服务器进行通信。计算机还包括与HTML文档处理部分接口并发送消息以操作自动银行机器中的设备（36）的设备应用部分（84）。这些装置包括分配货币以及其他交易装置的纸张分配机构（42）。设备应用部分通过内联网中的设备服务器（92）与银行机器中的设备接口软件部分（64）进行通信。设备服务器对包括纸张分配器在内的银行机器中的设备进行本地控制。银行机操作以读取对应于系统地址的用户卡上的标记。计算机可操作地将银行业务器连接到与系统地址相对应的家庭或外部服务器，所连接的服务器操作银行业务机，直到用户完成交易。

20. 发明申请

US20050203847A1 Automated banking machine and method 有权
标题翻译：自动银行机和方法
公开(公告)号：US20050203847A1
公开(公告)日：2005-09-15
申请号：US11123654
申请日：2005-05-06
申请人： Jay Drummond , Dale Blackson , Bob Cichon , Joseph Ess , Mark Moales , David Weis , Mark Smith , James Church
发明人： Jay Drummond , Dale Blackson , Bob Cichon , Joseph Ess , Mark Moales , David Weis , Mark Smith , James Church
IPC分类号： G06F3/023 , G06F3/048 , G06F9/44 , G06F17/30 , G06Q20/00 , G07F19/00 , H04L29/06 , H04L29/08 , G06F17/60
CPC分类号： G06F3/023 , G06F3/04895 , G06F17/30861 , G06Q20/00 , G06Q20/042 , G06Q20/108 , G06Q20/1085 , G06Q20/18 , G06Q20/202 , G06Q20/40 , G06Q30/06 , G06Q40/00 , G07F19/20 , G07F19/201 , G07F19/206 , G07F19/211 , H04L29/06 , H04L63/0853 , H04L63/0861 , H04L63/12 , H04L67/02 , H04L67/12 , H04L67/2814 , H04L67/2823 , H04L67/2842 , H04L67/34 , H04L69/329 , H04L69/40
摘要： An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16), as well as in response to messages exchanged with foreign servers (20, 22, 24, 26, 28, 96) in a wide area network (18). The banking machine includes a computer (34) having an HTML document handling portion (76, 80, 82). The HTML document handling portion is operative to communicate through a proxy server (88), with a home HTTP server (90) in the intranet or the foreign servers in the wide area network. The computer further includes a device application portion (84) which interfaces with the HTML document handling portion and dispatches messages to operate devices (36) in the automated banking machine. The devices include a sheet dispenser mechanism (42) which dispenses currency as well as other transaction devices. The device application portion communicates with a device interfacing software portion (64) in the banking machine through a device server (92) in the intranet. The device server maintains local control over the devices in the banking machine including the sheet dispenser. The banking machine operates to read indicia on the user's card corresponding to a system address. The computer is operative to connect the banking machine to the home or foreign server corresponding to the system address, which connected server operates the banking machine until the completion of transactions by the user.
摘要翻译：自动银行机（12）可操作以响应于通过内联网（16）与本地计算机系统（14）交换的HTML文档和TCP / IP消息以及响应于与外部服务器交换的消息进行交易（ 20,22,24,26,28,96）在广域网（18）中。银行机包括具有HTML文档处理部分（76,80,82）的计算机（34）。 HTML文档处理部分可操作以通过代理服务器（88）与内联网中的家庭HTTP服务器（90）或广域网中的外部服务器进行通信。计算机还包括与HTML文档处理部分接口并发送消息以操作自动银行机器中的设备（36）的设备应用部分（84）。这些装置包括分配货币以及其它交易装置的纸张分配机构（42）。设备应用部分通过内联网中的设备服务器（92）与银行机器中的设备接口软件部分（64）进行通信。设备服务器对包括纸张分配器在内的银行机器中的设备进行本地控制。银行机操作以读取对应于系统地址的用户卡上的标记。计算机可操作地将银行业务器连接到与系统地址相对应的家庭或外部服务器，所连接的服务器操作银行业务机，直到用户完成交易。

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