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51. 发明申请

US20100241564A1 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：US20100241564A1
公开(公告)日：2010-09-23
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 , Caren R. Balckson
发明人： Willis Miller , Matthew R. Zaugg , James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffery M. Enright , Mark A. Douglass , Dale H. Blackson , Caren R. Balckson
IPC分类号： G06Q40/00
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。

52. 发明申请

US20100187299A1 Automated banking machine that operates responsive to data bearing records 有权
标题翻译：自动银行业务响应数据记录运作
公开(公告)号：US20100187299A1
公开(公告)日：2010-07-29
申请号：US12661937
申请日：2010-03-26
申请人： James Block , Steven Shepley
发明人： James Block , Steven Shepley
IPC分类号： G07F19/00 , G06K5/00
CPC分类号： G07F19/20 , G07F19/201 , G07F19/203 , G07F19/206 , G07F19/209 , G07F19/21
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 operates to read card data from user cards. The card data corresponds to financial accounts. The automated banking machine includes a cash dispenser and the machine carries out transaction functions for consumers including dispensing cash responsive to. The amount of cash dispensed is verified through communication with a security manager.
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，用于从用户卡读取卡片数据。卡数据对应于财务账户。自动银行机包括自动取款机，并且机器对消费者执行交易功能，包括响应分配现金。通过与安全经理的沟通来验证现金分配的金额。

53. 发明授权

US07762454B2 Cash dispensing automated banking machine diagnostic method 有权
标题翻译：现金分配自动银行机诊断方法
公开(公告)号：US07762454B2
公开(公告)日：2010-07-27
申请号：US11505612
申请日：2006-08-17
申请人： James Block , Steven Shepley
发明人： James Block , Steven Shepley
IPC分类号： G07D11/00
CPC分类号： G07F19/20 , G07F19/201 , G07F19/203 , G07F19/206 , G07F19/209 , G07F19/21
摘要： An automated transaction machine including an extensions for financial services (XFS) layer is provided. An application interface portion of the XFS software layer is operative to communicate with an application software layer of the ATM which may include terminal applications. A hardware interface portion of the XFS software layer is operative to communicate with a hardware layer of the ATM which may include hardware devices of the ATM and associates service providers. A diagnostic application is operative to determine whether problems exists in the application software layer or the hardware layer of the ATM by causing a plurality of hardware devices to perform predefined operations using the XFS software layer and by monitoring the operations. The diagnostic application is operative to output a determination as to whether a problem with the ATM is associated with the components of the application or hardware layers of the ATM responsive to the success or failure of the operations.
摘要翻译：提供了包括金融服务扩展（XFS）层的自动交易机器。 XFS软件层的应用接口部分可操作以与可能包括终端应用的ATM的应用软件层进行通信。 XFS软件层的硬件接口部分可操作以与ATM的硬件层进行通信，该硬件层可以包括ATM的硬件设备并与服务提供商相关联。诊断应用程序用于通过使多个硬件设备使用XFS软件层执行预定义操作并通过监视操作来确定应用软件层或ATM的硬件层中是否存在问题。该诊断应用可操作以响应于操作的成功或失败输出关于ATM的问题是否与ATM的应用或硬件层的组件相关联的确定。

54. 发明申请

US20100059587A1 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：US20100059587A1
公开(公告)日：2010-03-11
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 , Mark A. Douglass , Caren R. Blackson
发明人： Willis Miller , Matthew R. Zaugg , James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffery M. Enright , Dale H. Blackson , Mark A. Douglass , Caren R. Blackson
IPC分类号： G07F19/00
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。

55. 发明授权

US07341177B2 Automated transaction machine system and method 有权
标题翻译：自动交易机系统及方法
公开(公告)号：US07341177B2
公开(公告)日：2008-03-11
申请号：US09863911
申请日：2001-05-23
申请人： Steven Shepley , Joseph Cwikla , Bryan Reed , James Block , Robert Usner , Jay Paul Drummond , Mark D. Smith
发明人： Steven Shepley , Joseph Cwikla , Bryan Reed , James Block , Robert Usner , Jay Paul Drummond , Mark D. Smith
IPC分类号： G06Q40/00
CPC分类号： G06F3/023 , G06F3/04895 , G06F9/465 , G06F17/30861 , G06Q20/00 , G06Q20/042 , G06Q20/108 , G06Q20/1085 , G06Q20/18 , G06Q30/06 , G06Q40/00 , G07F19/20 , G07F19/201 , G07F19/206 , G07F19/209 , G07F19/21 , G07F19/211 , H04L29/06 , H04L63/08 , H04L63/0853 , H04L63/12 , H04L67/02 , H04L67/12 , H04L67/2819 , H04L67/34 , H04L69/32 , H04L69/329
摘要： An automated transaction machine (20) with a cross-vender software and hardware platform architecture. The machine includes a computer (22) and a plurality of transaction function devices (32) in operative connection with the computer. The machine further includes a plurality of device driver components (38) that generally correspond to each of the transaction function devices. The device drivers are operative responsive to communication from an XFS layer (28) to control the operation of the transaction function devices. The machine further includes a terminal application (22) and an ODS layer (26). The ODS layer includes a plurality of ODS components (36) that generally correspond to the device drivers and/or transaction function devices. The ODS components responsive to the terminal application are operative to have the device drivers control the operation of the transaction function devices through communication with the XFS layer.
摘要翻译：具有交叉供应商软件和硬件平台架构的自动交易机器（20）。该机器包括与计算机可操作连接的计算机（22）和多个交易功能设备（32）。该机器还包括多个设备驱动器组件（38），其通常对应于每个交易功能设备。设备驱动器响应于来自XFS层（28）的通信来响应于控制事务功能设备的操作。该机器还包括终端应用（22）和ODS层（26）。 ODS层包括通常对应于设备驱动器和/或交易功能设备的多个ODS组件（36）。响应于终端应用的ODS组件可操作以使设备驱动程序通过与XFS层通信来控制事务功能设备的操作。

56. 发明申请

US20060273151A1 Cash dispensing automated banking machine diagnostic method 有权
标题翻译：现金分配自动银行机诊断方法
公开(公告)号：US20060273151A1
公开(公告)日：2006-12-07
申请号：US11505612
申请日：2006-08-17
申请人： James Block , Steven Shepley
发明人： James Block , Steven Shepley
IPC分类号： G07F19/00 , G06F7/08
CPC分类号： G07F19/20 , G07F19/201 , G07F19/203 , G07F19/206 , G07F19/209 , G07F19/21
摘要： An automated transaction machine including an extensions for financial services (XFS) layer is provided. An application interface portion of the XFS software layer is operative to communicate with an application software layer of the ATM which may include terminal applications. A hardware interface portion of the XFS software layer is operative to communicate with a hardware layer of the ATM which may include hardware devices of the ATM and associates service providers. A diagnostic application is operative to determine whether problems exists in the application software layer or the hardware layer of the ATM by causing a plurality of hardware devices to perform predefined operations using the XFS software layer and by monitoring the operations. The diagnostic application is operative to output a determination as to whether a problem with the ATM is associated with the components of the application or hardware layers of the ATM responsive to the success or failure of the operations.
摘要翻译：提供了包括金融服务扩展（XFS）层的自动交易机器。 XFS软件层的应用接口部分可操作以与可能包括终端应用的ATM的应用软件层进行通信。 XFS软件层的硬件接口部分可操作以与ATM的硬件层进行通信，该硬件层可以包括ATM的硬件设备并与服务提供商相关联。诊断应用程序用于通过使多个硬件设备使用XFS软件层执行预定义操作并通过监视操作来确定应用软件层或ATM的硬件层中是否存在问题。该诊断应用可操作以响应于操作的成功或失败输出关于ATM的问题是否与ATM的应用或硬件层的组件相关联的确定。

57. 发明授权

US08505814B1 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：US08505814B1
公开(公告)日：2013-08-13
申请号：US13735393
申请日：2013-01-07
申请人： James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffrey M. Enright , Dale H. Blackson
发明人： James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffrey M. Enright , Dale H. Blackson
IPC分类号： G07F19/00
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 card-reading 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 phone's GPS location. Directions to this nearest automated banking machine are then sent to the 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，要求最近的没有交易费用的读卡式点钞机的指示。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电话的GPS位置。到最近的自动银行机的方向然后发送到手机。

58. 发明授权

US08348151B1 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：US08348151B1
公开(公告)日：2013-01-08
申请号：US13411987
申请日：2012-03-05
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。

59. 发明授权

US08336766B1 Banking system controlled responsive to data read from data bearing records 有权
标题翻译：响应从数据记录读取数据的银行系统
公开(公告)号：US08336766B1
公开(公告)日：2012-12-25
申请号：US13068461
申请日：2011-05-11
申请人： Willis Miller , Matthew R. Zaugg , James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffery M. Enright , Mark A. Douglass , Michael Scanlon , 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 , Michael Scanlon , Dale H. Blackson
IPC分类号： G07F19/00 , G06Q40/00
CPC分类号： G07F19/20 , G07F19/2055 , G07F19/211
摘要： An automated banking machine is part of a banking system that operates to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that operates to read data from user cards corresponding to financial accounts. A card account's status is listed in a data store as either blocked or unblocked for use in approving transactions on the account. A requested transaction on an account cannot be carried out by the machine unless the account has an unblocked status. Read card data is sent from the machine to a remote card security computer which can determine the card account status from the data store. If the account is unblocked, then the machine can continue with the requested transaction and seek transaction approval from a transaction host computer associated with the machine.
摘要翻译：自动银行机器是银行系统的一部分，用于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，用于从与财务帐户对应的用户卡读取数据。卡片帐户的状态在数据存储中列为阻止或解除封锁以用于批准帐户上的交易。除非帐户具有未阻止状态，否则无法由机器执行帐户上所请求的交易。读卡数据从机器发送到可以从数据存储确定卡帐户状态的远程卡安全计算机。如果帐户被解除阻塞，则机器可以继续所请求的交易，并从与该机器相关联的交易主机计算机寻求交易批准。

60. 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。

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