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31. 发明申请

US20100176191A1 Automated banking machine with improved resistance to fraud 有权
公开(公告)号：US20100176191A1
公开(公告)日：2010-07-15
申请号：US12661499
申请日：2010-03-18
申请人： Natarajan Ramachandran , Jeffery M. Enright , Dale H. Blackson , Edward L. Laskowski , Carole Laskowski
发明人： Natarajan Ramachandran , Jeffery M. Enright , Dale H. Blackson , Edward L. Laskowski , Carole Laskowski
IPC分类号： G07F19/00 , G06K5/00
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.

32. 发明授权

US07686212B2 Automated banking machine operated responsive to data bearing records and with improved resistance to fraud 有权
标题翻译：自动银行业务响应数据记录并改善抵制欺诈行为
公开(公告)号：US07686212B2
公开(公告)日：2010-03-30
申请号：US12287058
申请日：2008-10-03
申请人： Natarajan Ramachandran , Jeffery M. Enright , Dale H. Blackson
发明人： Natarajan Ramachandran , Jeffery M. Enright , Dale H. Blackson
IPC分类号： G07F19/00
CPC分类号： G07F19/2055 , G07F19/20 , G07F19/207
摘要： An automated banking machine that operates responsive to data read from data bearing records has sensing devices adjacent a card reader slot. The sensing devices enable detection of a fraudulent card reading device.
摘要翻译：响应于从数据承载记录读取的数据操作的自动银行机器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。

33. 发明授权

US07583290B2 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：US07583290B2
公开(公告)日：2009-09-01
申请号：US10796506
申请日：2004-03-09
申请人： Jeffery M. Enright , Thomas S. Mason , Dean Stewart , Dale H. Blackson , Natarajan Ramachandran
发明人： Jeffery M. Enright , Thomas S. Mason , Dean Stewart , Dale H. Blackson , Natarajan Ramachandran
IPC分类号： 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。

34. 发明授权

US07483848B2 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：US07483848B2
公开(公告)日：2009-01-27
申请号：US10601950
申请日：2003-06-23
申请人： Jeffery M. Enright , Thomas S. Mason , Dean Stewart , Natarajan Ramachandran , Dale H. Blackson
发明人： Jeffery M. Enright , Thomas S. Mason , Dean Stewart , Natarajan Ramachandran , Dale H. Blackson
IPC分类号： G06Q40/00
CPC分类号： G06Q20/18 , G06Q40/00 , G07F19/20 , G07F19/201 , G07F19/2055 , G07F19/207 , H04N7/188
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 baffle structure (164) is positioned on the housing adjacent the second fascia portion to enable cooling air flow within the housing of the machine and to prevent the introduction of moisture into the housing. 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.
摘要翻译：自动银行机器（10）包括可锁定的第一面板部分（20），当被解锁时，可以访问胸锁锁输入装置（104），输入能够打开机器的胸部门（18）。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）。挡板结构（164）被定位在与第二面板部分相邻的壳体上，以使得能够在机器的壳体内冷却空气流，并且防止湿气引入到壳体中。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。

35. 发明授权

US07240827B2 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：US07240827B2
公开(公告)日：2007-07-10
申请号：US10601813
申请日：2003-06-23
申请人： Natarajan Ramachandran , Jeffery M. Enright , Dale H. Blackson
发明人： Natarajan Ramachandran , Jeffery M. Enright , Dale H. Blackson
IPC分类号： G06Q40/00
CPC分类号： G07F19/2055 , G07F19/20 , G07F19/207
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 baffle structure (164) is positioned on the housing adjacent the second fascia portion to enable cooling air flow within the housing of the machine and to prevent the introduction of moisture into the housing. 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.
摘要翻译：自动银行机器（10）包括可锁定的第一面板部分（20），当被解锁时，可以访问胸锁锁输入装置（104），输入能够打开机器的胸部门（18）。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）。挡板结构（164）被定位在与第二面板部分相邻的壳体上，以使得能够在机器的壳体内冷却空气流，并且防止湿气引入到壳体中。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。

36. 发明授权

US08430305B2 Automated banking machine operated responsive to data bearing records with improved resistance to fraud 有权
标题翻译：自动银行业务响应数据记录，改善抵制欺诈行为
公开(公告)号：US08430305B2
公开(公告)日：2013-04-30
申请号：US13555256
申请日：2012-07-23
申请人： Randall Jenkins , Songtao Ma , Natarajan Ramachandran , Jeffery M. Enright , Dale H. Blackson
发明人： Randall Jenkins , Songtao Ma , Natarajan Ramachandran , Jeffery M. Enright , Dale H. Blackson
IPC分类号： G06F17/60
CPC分类号： G07F19/20 , G06Q40/00 , G07F19/2055
摘要： A banking system machine is controlled responsive to data read from data bearing records. The machine includes a card reader, a keypad, a cash dispenser, a cash outlet, a deposit accepting opening, and other transaction locations that may be susceptible to the installation of fraud devices. An anti-fraud sensing system is operative in the machine to sense the probable installation of unauthorized devices on the machine. Such unauthorized devices may include fraudulent card reading devices, fraudulent keypad input intercepting devices, cash outlet trap devices, and deposit input diversion devices.
摘要翻译：响应于从数据记录读取的数据控制银行系统机器。该机器包括读卡器，小键盘，自动提款机，现金出口，存款接收开口以及可能易于安装欺诈设备的其他交易地点。防欺诈感测系统在机器中操作以感测未经授权的设备在机器上的可能安装。这种未经授权的设备可能包括欺诈性读卡设备，欺诈键盘输入拦截设备，现金出口陷阱设备和存款输入转移设备。

37. 发明授权

US08225993B2 Automated banking machine operated responsive to data bearing records with improved resistance to fraud 有权
标题翻译：自动银行业务响应数据记录，改善抵制欺诈行为
公开(公告)号：US08225993B2
公开(公告)日：2012-07-24
申请号：US13199106
申请日：2011-08-19
申请人： Randall W. Jenkins , Songtao Ma , Natarajan Ramachandran , Jeffery M. Enright , Dale H. Blackson
发明人： Randall W. Jenkins , Songtao Ma , Natarajan Ramachandran , Jeffery M. Enright , Dale H. Blackson
IPC分类号： G06F17/60
CPC分类号： G07F19/20 , G06Q40/00 , G07F19/2055
摘要： An automated banking machine is controlled responsive to data read from data bearing records. The automated banking machine includes a card reader, a keypad, a cash dispenser, a cash outlet, a deposit accepting opening, and other transaction locations that may be susceptible to the installation of fraud devices. An anti-fraud sensing system is operative in the machine to sense the probable installation of unauthorized devices on the machine. Such unauthorized devices may include for example, fraudulent card reading devices, fraudulent keypad input intercepting devices, cash outlet trap devices, and deposit input diversion devices.
摘要翻译：响应于从数据记录读取的数据控制自动银行机。自动银行机包括读卡器，小键盘，自动提款机，现金出口，存款接收开口以及可能易于安装欺诈设备的其他交易地点。防欺诈感测系统在机器中操作以感测未经授权的设备在机器上的可能安装。这种未经授权的设备可以包括例如欺诈性读卡设备，欺诈键盘输入拦截设备，现金出口陷阱设备和存款输入转移设备。

38. 发明授权

US08220706B1 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：US08220706B1
公开(公告)日：2012-07-17
申请号：US12930724
申请日：2011-01-14
申请人： Willis Miller , Matthew R. Zaugg , James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffery M. Enright , Mark A. Douglass , Dale H. Blackson , Caren R. Blackson, legal representative
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： G06F17/60
CPC分类号： G07F19/201 , G06Q20/18 , G06Q20/3224 , G06Q20/4012 , G06Q20/40145
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 may be linked in a data store to both a customer's financial account and a cell phone assigned to that customer. The automated banking machine user may provide inputs to the machine via one or more sensors that operate to determine where on a display of the machine at least one eye of the machine user is looking.
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。卡数据可以在数据存储中链接到客户的金融账户和分配给该客户的手机。自动银行业务机器用户可以经由一个或多个传感器向机器提供输入，该传感器操作以确定机器用户的至少一只眼睛正在看的机器的显示器的哪里。

39. 发明授权

US08186578B1 ATM transaction authorization based on user location verification 有权
标题翻译：基于用户位置验证的ATM交易授权
公开(公告)号：US08186578B1
公开(公告)日：2012-05-29
申请号：US13136698
申请日：2011-08-08
申请人： James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffery M. Enright , Dale H. Blackson
发明人： James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffery M. Enright , Dale H. Blackson
IPC分类号： G06K19/06
CPC分类号： G07F19/201 , G06Q20/18 , G06Q20/3224 , G07F19/20 , G07F19/2055 , G07F19/207 , G07G3/003 , H04W4/021
摘要： An automated banking machine transaction request is authorized based on a determined location of an authorized user relative to the machine. Identification of an authorized machine user is linked to a remotely locatable item (e.g., a cell phone) of the authorized user. A banking machine receiving the user identification causes the location of the cell phone to be determined. A comparison is then made of the cell phone location and the banking machine location. If the locations correspond, then the current machine user is recognized as the authorized user and machine transactions are permitted. If the locations do not correspond, then the current user is denied transactions at the banking machine. The security arrangement helps prevent an unauthorized person from using a fraudulent card to access a financial account.
摘要翻译：基于授权用户相对于机器的确定位置来授权自动银行机交易请求。授权机器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）。接收用户标识的银行业务机构将确定手机的位置。然后对手机位置和银行机器位置进行比较。如果位置对应，则当前机器用户被识别为授权用户，并允许机器交易。如果这些位置不对应，则当前用户在银行机器上被拒绝交易。安全安排有助于防止未经授权的人员使用欺诈性卡片访问财务帐户。

40. 发明授权

US08127983B1 Cash dispensing automated banking machine with GPS 有权
标题翻译：自动点钞自动银行机与GPS
公开(公告)号：US08127983B1
公开(公告)日：2012-03-06
申请号：US12586468
申请日：2009-09-21
申请人： James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffery M. Enright , Dale H. Blackson
发明人： James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffery M. Enright , Dale H. Blackson
IPC分类号： G06F17/60
CPC分类号： G07F19/207 , G07F19/20
摘要： Automated banking machines include a Global Positioning System (GPS). The machines can transmit their GPS location reading to a service center. The service center can receive through a customer's cell phone, a customer request for directions to the nearest cash dispensing machine that does not have a transaction fee. The customer request can include account data and GPS location of the cell phone. The service center can determine from the account data which financial networks would not cause the customer to be assessed a transaction fee for a cash withdrawal. The service center can then determine from the GPS locations of the machines in these financial networks, which machine is geographically closest to the cell phone's GPS location. Directions to this nearest automated banking machine are then sent to the cell phone.
摘要翻译：自动银行机包括全球定位系统（GPS）。机器可以将GPS位置读数传送到服务中心。服务中心可以通过客户的手机接收客户的请求，指示最近没有交易费用的最近的现金分发机。客户请求可以包括手机的帐户数据和GPS位置。服务中心可以从帐户数据中确定哪些金融网络不会导致客户对现金提款的交易费用进行评估。然后，服务中心可以从这些金融网络中的机器的GPS位置确定哪个机器在地理上最接近于手机的GPS位置。到最近的自动银行机的方向然后发送到手机。

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