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41. 发明申请

US20120261467A1 METHOD OF AUTHORIZING AUTOMATED BANKING MACHINE USE RESPONSIVE TO USER DATA READ FROM DATA BEARING RECORDS 有权
标题翻译：使用自动化的机器使用方法从用户数据读取数据轴承记录
公开(公告)号：US20120261467A1
公开(公告)日：2012-10-18
申请号：US13532069
申请日：2012-06-25
申请人： Jay Paul Drummond , Bob A. Cichon , Mark D. Smith , David Weis
发明人： Jay Paul Drummond , Bob A. Cichon , Mark D. Smith , David Weis
IPC分类号： G07F19/00
CPC分类号： G07F19/211 , G06Q20/027 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/1085 , G06Q40/00 , G06Q40/02 , G07F19/20 , G07F19/201 , G07F19/206 , H04L67/02
摘要： An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.
摘要翻译：自动银行业务机构响应从数据承载记录（例如用户卡）读取的数据，以引起机器用户授权和财务转移。从用户卡读取的帐户数据在数据存储中与用于显示与用户持有帐户的特定银行唯一相关联的客户界面的指令相关联。客户界面包括用户可选择的金融交易选项。当用户操作其他银行的自动银行业务机器时，该安排使得用户家用银行的用户界面也被自动显示。

42. 发明授权

US08172136B2 Method of authorizing automated banking machine use responsive to user data read from data bearing records 有权
标题翻译：自动银行机使用的方法，用于响应从数据记录读取的用户数据
公开(公告)号：US08172136B2
公开(公告)日：2012-05-08
申请号：US13317444
申请日：2011-10-18
申请人： Jay Paul Drummond , Bob A. Cichon , Mark D. Smith , David Weis
发明人： Jay Paul Drummond , Bob A. Cichon , Mark D. Smith , David Weis
IPC分类号： G07F19/00
CPC分类号： G07F19/211 , G06Q20/027 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/1085 , G06Q40/00 , G06Q40/02 , G07F19/20 , G07F19/201 , G07F19/206 , H04L67/02
摘要： An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.
摘要翻译：自动银行业务机构响应从数据承载记录（例如用户卡）读取的数据，以引起机器用户授权和财务转移。从用户卡读取的帐户数据在数据存储中与用于显示与用户持有帐户的特定银行唯一相关联的客户界面的指令相关联。客户界面包括用户可选择的金融交易选项。当用户操作其他银行的自动银行业务机器时，该安排使得用户家用银行的用户界面也被自动显示。

43. 发明授权

US08348152B2 Method of authorizing automated banking machine use responsive to user data read from data bearing records 有权
标题翻译：自动银行机使用的方法，用于响应从数据记录读取的用户数据
公开(公告)号：US08348152B2
公开(公告)日：2013-01-08
申请号：US13532114
申请日：2012-06-25
申请人： Jay Paul Drummond , Bob A. Cichon , Mark D. Smith , David Weis
发明人： Jay Paul Drummond , Bob A. Cichon , Mark D. Smith , David Weis
IPC分类号： G07F19/00
CPC分类号： G07F19/211 , G06Q20/027 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/1085 , G06Q40/00 , G06Q40/02 , G07F19/20 , G07F19/201 , G07F19/206 , H04L67/02
摘要： An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.
摘要翻译：自动银行业务机构响应从数据承载记录（例如用户卡）读取的数据，以引起机器用户授权和财务转移。从用户卡读取的帐户数据在数据存储中与用于显示与用户持有帐户的特定银行唯一相关联的客户界面的指令相关联。客户界面包括用户可选择的金融交易选项。当用户操作其他银行的自动银行业务机器时，该安排使得用户家用银行的用户界面也被自动显示。

44. 发明申请

US20110145144A1 Method of authorizing automated banking machine use responsive to user data read from data bearing records 有权
公开(公告)号：US20110145144A1
公开(公告)日：2011-06-16
申请号：US12932127
申请日：2011-02-17
申请人： Jay Paul Drummond , Bob A. Cichon , Mark D. Smith , David Weis
发明人： Jay Paul Drummond , Bob A. Cichon , Mark D. Smith , David Weis
IPC分类号： G06Q40/00 , G07F19/00
CPC分类号： G07F19/211 , G06Q20/027 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/1085 , G06Q40/00 , G06Q40/02 , G07F19/20 , G07F19/201 , G07F19/206 , H04L67/02
摘要： An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

45. 发明授权

US07266526B1 Automated banking machine system with multiple browsers 有权
标题翻译：具有多种浏览器的自动银行机系统
公开(公告)号：US07266526B1
公开(公告)日：2007-09-04
申请号：US09578312
申请日：2000-05-25
申请人： Jay Paul Drummond , Bob A. Cichon , Mark D. Smith , David Weis
发明人： Jay Paul Drummond , Bob A. Cichon , Mark D. Smith , David Weis
IPC分类号： G06F17/60
CPC分类号： G07F19/211 , G06Q20/027 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/1085 , G06Q40/00 , G06Q40/02 , G07F19/20 , G07F19/201 , G07F19/206 , H04L67/02
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 a document handling portion (76, 80, 82) including one or more browsers. The 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 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 function 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 network address. The computer is operative to connect the banking machine to the home or foreign server corresponding to the network address, which connected server operates the banking machine to conduct transactions by the user. The customer is enabled to operate the banking machine using a familiar interface. The machine may also connect to other applications to provide the customer with promotional material or additional transaction options.
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。银行机包括具有包括一个或多个浏览器的文档处理部分（76,80,82）的计算机（34）。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。计算机还包括与文档处理部分接口并发送消息以在自动银行机器中操作设备（36）的设备应用部分（84）。这些装置包括分配货币的纸张分配机构（42）以及其他交易功能装置。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。银行业务器操作以读取对应于网络地址的用户卡上的标记。计算机可操作地将银行机器连接到与网络地址对应的家庭或外部服务器，所连接的服务器操作银行机器以进行用户的交易。客户可以使用熟悉的界面来操作银行业务。该机器还可以连接到其他应用程序，以向客户提供宣传材料或附加交易选项。

46. 发明申请

US20120267431A1 Method of Authorizing Automated Banking Machine Use Responsive to User Data Read From Data Bearing Records 有权
标题翻译：授权自动银行机器的方法从数据记录中读取的用户数据
公开(公告)号：US20120267431A1
公开(公告)日：2012-10-25
申请号：US13532114
申请日：2012-06-25
申请人： Jay Paul Drummond , Bob A. Cichon , Mark D. Smith , David Weis
发明人： Jay Paul Drummond , Bob A. Cichon , Mark D. Smith , David Weis
IPC分类号： G07F19/00 , G06Q40/02
CPC分类号： G07F19/211 , G06Q20/027 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/1085 , G06Q40/00 , G06Q40/02 , G07F19/20 , G07F19/201 , G07F19/206 , H04L67/02
摘要： An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.
摘要翻译：自动银行业务机构响应从数据承载记录（例如用户卡）读取的数据，以引起机器用户授权和财务转移。从用户卡读取的帐户数据在数据存储中与用于显示与用户持有帐户的特定银行唯一相关联的客户界面的指令相关联。客户界面包括用户可选择的金融交易选项。当用户操作其他银行的自动银行业务机器时，该安排使得用户家用银行的用户界面也被自动显示。

47. 发明申请

US20120261466A1 METHOD OF AUTHORIZING AUTOMATED BANKING MACHINE USE RESPONSIVE TO USER DATA READ FROM DATA BEARING RECORDS 失效
公开(公告)号：US20120261466A1
公开(公告)日：2012-10-18
申请号：US13532014
申请日：2012-06-25
申请人： Jay Paul Drummond , Bob A. Cichon , Mark D. Smith , David Weis
发明人： Jay Paul Drummond , Bob A. Cichon , Mark D. Smith , David Weis
IPC分类号： G07F19/00
CPC分类号： G07F19/211 , G06Q20/027 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/1085 , G06Q40/00 , G06Q40/02 , G07F19/20 , G07F19/201 , G07F19/206 , H04L67/02
摘要： An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

48. 发明申请

US20100006645A1 Method of authorizing automated banking machine use responsive to user data read from data bearing records 失效
公开(公告)号：US20100006645A1
公开(公告)日：2010-01-14
申请号：US12584974
申请日：2009-09-14
申请人： Jay Paul Drummond , Bob A. Cichon , Mark D. Smith , David Weis
发明人： Jay Paul Drummond , Bob A. Cichon , Mark D. Smith , David Weis
IPC分类号： G07F19/00
CPC分类号： G07F19/211 , G06Q20/027 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/1085 , G06Q40/00 , G06Q40/02 , G07F19/20 , G07F19/201 , G07F19/206 , H04L67/02
摘要： An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. The read card data can also be associated with a server address, where a record is located. The machine operates prior to a transaction to determine whether the record can be fully downloaded from the server address. Based on a successful determination, the machine can then fully download the record from the address during a transaction that needs the record. The pre-check arrangement reduces transaction time outs that may occur as a result of futile attempts by the machine to access an unavailable record during a transaction.

49. 发明授权

US08328087B2 Method of authorizing automated banking machine use responsive to user data read from data bearing records 有权
公开(公告)号：US08328087B2
公开(公告)日：2012-12-11
申请号：US13532069
申请日：2012-06-25
申请人： Jay Paul Drummond , Bob A. Cichon , Mark D. Smith , David Weis
发明人： Jay Paul Drummond , Bob A. Cichon , Mark D. Smith , David Weis
IPC分类号： G07F19/00
CPC分类号： G07F19/211 , G06Q20/027 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/1085 , G06Q40/00 , G06Q40/02 , G07F19/20 , G07F19/201 , G07F19/206 , H04L67/02
摘要： An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

50. 发明申请

US20120031967A1 Method of authorizing automated banking machine use responsive to user data read from data bearing records 有权
公开(公告)号：US20120031967A1
公开(公告)日：2012-02-09
申请号：US13317444
申请日：2011-10-18
申请人： Jay Paul Drummond , Bob A. Cichon , Mark D. Smith , David Weis
发明人： Jay Paul Drummond , Bob A. Cichon , Mark D. Smith , David Weis
IPC分类号： G07F19/00
CPC分类号： G07F19/211 , G06Q20/027 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/1085 , G06Q40/00 , G06Q40/02 , G07F19/20 , G07F19/201 , G07F19/206 , H04L67/02
摘要： An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

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