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81. 发明申请

US20100102118A1 Banking transaction machine that operates responsive to data bearing records 有权
标题翻译：适用于数据记录的银行交易机
公开(公告)号：US20100102118A1
公开(公告)日：2010-04-29
申请号：US12288788
申请日：2008-10-23
申请人： Natarajan Ramachandran , Mark Owens , Mark D. Smith , Sean Haney , Andrew Junkins , Matthew Force , H. Thomas Graef , Elizabeth M. Herrera , Robert G. Miller , Roy Mleziva , Jeffrey A. Hill
发明人： Natarajan Ramachandran , Mark Owens , Mark D. Smith , Sean Haney , Andrew Junkins , Matthew Force , H. Thomas Graef , Elizabeth M. Herrera , Robert G. Miller , Roy Mleziva , Jeffrey A. Hill
IPC分类号： G06Q40/00 , G07F19/00
CPC分类号： G07F19/203 , G06Q20/10 , G06Q20/1085 , G06Q20/3674 , G06Q20/40 , G06Q20/4014 , G06Q20/40145 , G06Q30/0609 , G07C9/00158 , G07C2011/02 , G07F19/20 , G07F19/201
摘要： A cash dispensing banking transaction machine that operates responsive to data bearing records includes a card reader that reads identifying data from a user card. The machine dispenses cash from a cash dispenser for a financial account without causing the card reader device to read data from a card corresponding to the financial account, when a determination indicates that a voice of the user included in an audio input signal to audio input device corresponds to a particular recognized user stored in a data store in correlated relation with the financial account.
摘要翻译：响应于数据承载记录操作的现金分配银行交易机器包括从用户卡读取识别数据的读卡器。当确定指示包括在音频输入信号中的用户的声音到音频输入设备时，该机器从用于金融帐户的自动提款机分配现金，而不会导致读卡器设备从对应于该金融帐户的卡读取数据对应于与金融账户相关联的存储在数据存储中的特定识别用户。

82. 发明授权

US07556259B2 Cash dispensing automated banking machine with note unstacking and validation 有权
标题翻译：现金分发自动银行机，带有钞票拆包和验证
公开(公告)号：US07556259B2
公开(公告)日：2009-07-07
申请号：US11800535
申请日：2007-05-07
申请人： H. Thomas Graef , Zachary Utz , Daniel P. Schoeffler , Shawn Griggy , Natarajan Ramachandran
发明人： H. Thomas Graef , Zachary Utz , Daniel P. Schoeffler , Shawn Griggy , Natarajan Ramachandran
IPC分类号： B65H3/52
CPC分类号： G07D11/0003 , B65H3/5246 , B65H3/5284 , B65H2404/1316 , B65H2404/1415 , B65H2404/5311 , B65H2701/1912 , G06Q20/042 , G06Q20/0425 , G06Q20/18 , G07D11/0018 , G07D11/0081 , G07D11/009 , G07F19/20 , G07F19/201 , G07F19/202 , G07F19/205
摘要： An automated banking machine (10) includes a cash dispenser (220). A machine user interface (15) includes a card reader (16), receipt printer opening (30), and cash dispensing opening (38). A cash acceptor mechanism (80) includes a chute (82) which enables a user to input a stack of currency notes (84) into the machine through a deposit opening (40). Notes are separated from an inputted stack via a note picker device (158, 352) and a note stripper device (64, 162, 354). Upon sensing multiple notes have been picked, picker device movement is reversed to function with the stripper device in returning notes toward the stack. The stripper device is driven to move a note engaged therewith at a faster rate or for a longer time period relative to a note engaged with the picker device to reorient returning notes to facilitate a subsequent note separation attempt.
摘要翻译：自动银行机（10）包括自动提款机（220）。机器用户界面（15）包括读卡器（16），收据打印机开口（30）和现金分配开口（38）。现金接受器机构（80）包括滑槽（82），该滑槽能够使用户通过存款开口（40）将一沓纸币（84）输入机器。笔记通过纸币拾取装置（158,352）和纸币剥离装置（64,162,354）与输入的纸币分离。在检测到多个纸币已经被拾取之后，拾取器装置的移动被反转，以便在向纸张返回钞票时剥离装置起作用。驱动汽提器装置以相对于与拾取装置接合的钞票更快的速率或更长的时间段移动与其接合的纸币，以重新调整返回纸币以便于随后的纸币分离尝试。

83. 发明授权

US07370792B1 Automated transaction machine 有权
标题翻译：自动交易机
公开(公告)号：US07370792B1
公开(公告)日：2008-05-13
申请号：US11544227
申请日：2006-10-05
申请人： H. Thomas Graef , R. Matthew Dunlap , Zachary Utz , Daniel Schoeffler , Shawn Griggy , Natarajan Ramachandran
发明人： H. Thomas Graef , R. Matthew Dunlap , Zachary Utz , Daniel Schoeffler , Shawn Griggy , Natarajan Ramachandran
IPC分类号： G06F19/00
CPC分类号： G07F19/202 , G07F19/20 , G07F19/205
摘要： An ATM apparatus having a bulk sheet acceptor. The sheet acceptor is mounted in movable relation relative to a chest portion of the ATM. Access to an interior of the sheet acceptor for servicing may be made through an access opening. A service cover may be mounted at alternate mounting sites of the sheet acceptor housing in order to close the access opening. The interior of the sheet acceptor may be accessed by pivoting the cover on a set of tabs engaged in corresponding slots, or by selectively lifting the cover away from the tabs. The cover may be replaced by engagement of either a first set of tabs with corresponding first slots, or a second set of tabs with corresponding second slots.
摘要翻译：具有散装片受理器的ATM装置。片材接收器相对于ATM的胸部可移动地安装。进入用于维修的片材受体的内部可以通过进入开口进行。服务盖可以安装在片材接收器外壳的备用安装位置，以便关闭进入开口。片材受体的内部可以通过在接合在相应的狭槽中的一组突片上枢转盖子，或者通过选择性地将盖子从突片上提升来访问。可以通过将第一组突出部与对应的第一狭槽的接合或具有对应的第二狭槽的第二组突出部的接合来替换盖。

84. 发明授权

US06981638B2 Automated banking machine 失效
标题翻译：自动银行机
公开(公告)号：US06981638B2
公开(公告)日：2006-01-03
申请号：US10830191
申请日：2004-04-21
申请人： H. Thomas Graef , Edward D. Laskowski , William D. Beskitt , Michael Harty , Jeffrey Eastman , Richard J. Phelps , Natarajan Ramachandran
发明人： H. Thomas Graef , Edward D. Laskowski , William D. Beskitt , Michael Harty , Jeffrey Eastman , Richard J. Phelps , Natarajan Ramachandran
IPC分类号： G06F17/60
CPC分类号： 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 , G06Q20/108 , G07D7/12 , G07D7/181 , G07D7/20 , G07D11/0003 , G07D11/0018 , G07D11/0021 , G07D11/0048 , G07D11/0051 , G07D11/0054 , G07D11/0066 , G07D11/009 , G07F19/20 , G07F19/201 , G07F19/202 , G07F19/203
摘要： An automated banking machine (10) 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. Documents produced by the machine such as receipts, checks or money orders as well as notes dispensed from the machine are assembled into a stack within the machine and delivered from the machine through the opening.
摘要翻译：自动银行机（10）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。机器生产的文件，如收据，支票或汇票，以及从机器分发的笔记，都被组装成机器内的堆叠，并从机器通过开口传送。

85. 发明授权

US08356748B2 Banking transaction machine that operates responsive to data bearing records 有权
公开(公告)号：US08356748B2
公开(公告)日：2013-01-22
申请号：US13199518
申请日：2011-09-01
申请人： Natarajan Ramachandran , Mark Owens , Mark D. Smith , Sean Haney , Andrew Junkins , Matthew Force , H. Thomas Graef , Elizabeth M. Herrera , Robert G. Miller , Roy Mleziva , Jeffrey A. Hill
发明人： Natarajan Ramachandran , Mark Owens , Mark D. Smith , Sean Haney , Andrew Junkins , Matthew Force , H. Thomas Graef , Elizabeth M. Herrera , Robert G. Miller , Roy Mleziva , Jeffrey A. Hill
IPC分类号： G06Q40/00 , G06Q20/00 , G07D11/00 , G07F19/00 , G06K5/00 , G06K7/08 , G06K9/00
CPC分类号： G07F19/203 , G06Q20/10 , G06Q20/1085 , G06Q20/3674 , G06Q20/40 , G06Q20/4014 , G06Q20/40145 , G06Q30/0609 , G07C9/00158 , G07C2011/02 , G07F19/20 , G07F19/201
摘要： A cash dispensing banking machine that operates responsive to data bearing records includes a card reader that reads identifying data from a user card. The machine dispenses cash from a cash dispenser for a financial account without causing the card reader device to read data from a card corresponding to the financial account, when a determination indicates that a voice of the user corresponds to a particular recognized user stored in a data store in correlated relation with the financial account.

86. 发明授权

US07240829B2 ATM with stack transporter for bulk note deposit 有权
公开(公告)号：US07240829B2
公开(公告)日：2007-07-10
申请号：US11475615
申请日：2006-06-27
申请人： H. Thomas Graef , Natarajan Ramachandran , Pedro Tula
发明人： H. Thomas Graef , Natarajan Ramachandran , Pedro Tula
IPC分类号： G06F19/00
CPC分类号： G07F1/041 , G07D11/0006 , G07D11/0018 , G07D11/0021 , G07D11/0081 , G07F19/20 , G07F19/202
摘要： An ATM can accept a bulk stack of currency notes for deposit from a customer. The ATM includes a stack transporter (400) that can rotate an accepted stack while relocating it to a predetermined location inside of the machine. The stack transporter includes a rotatable housing (406) in which a stack holder (404) is movable. The stack holder can receive a currency stack (411) deposited in a fascia opening (412) by a customer. The stack holder is retracted to move the stack away from the opening and into the housing to completely move the stack into the machine. The housing, having the bulk stack therein, is then rotated to move the stack away from the opening and toward a stack processing area in the machine. The stack holder is then extended to expose a stack end out of the housing for stack processing.

87. 发明授权

US06941274B1 Automated transaction machine 失效
标题翻译：自动交易机
公开(公告)号：US06941274B1
公开(公告)日：2005-09-06
申请号：US09498789
申请日：2000-02-05
申请人： Natarajan Ramachandran , Mark Owens , Mark D. Smith , Sean Haney , Andrew Junkins , Matthew Force , H. Thomas Graef , Elizabeth M. Herrera , Robert G. Miller , Roy Mleziva , Jeffrey A. Hill
发明人： Natarajan Ramachandran , Mark Owens , Mark D. Smith , Sean Haney , Andrew Junkins , Matthew Force , H. Thomas Graef , Elizabeth M. Herrera , Robert G. Miller , Roy Mleziva , Jeffrey A. Hill
IPC分类号： G07C9/00 , G07F19/00 , G06F17/60
CPC分类号： G07F19/203 , G06Q20/10 , G06Q20/1085 , G06Q20/3674 , G06Q20/40 , G06Q20/4014 , G06Q20/40145 , G06Q30/0609 , G07C9/00158 , G07C2011/02 , G07F19/20 , G07F19/201
摘要： The invention relates to an automated transaction machine of the recycling currency type. The machine permits a merchant to both store and withdraw cash. The machine also permits a customer to withdraw cash. The automated transaction machine includes a chest portion and a top hat portion. The portions have a front side and a rear side. The rear side of the machine is primarily intended for use by the merchant. The front side of the machine is primarily intended for use by a customer. The merchant side of the chest portion includes an inlet opening for inserting cash and an outlet opening for dispensing cash. The customer side of the chest portion also includes an outlet opening for dispensing cash. The top hat portion includes a separate user interface on the merchant side and a separate user interface on the customer side. The machine provides for the safekeeping of excess cash from a merchant's business operations. The machine enables the replenishment of cash therein without accessing the cash storage areas in the interior of the chest portion.
摘要翻译：本发明涉及回收货币类型的自动交易机。该机器允许商家存储和提取现金。该机器还允许客户提取现金。自动交易机包括胸部和顶帽部分。这些部分具有前侧和后侧。机器的后侧主要供商人使用。机器的正面主要供客户使用。胸部的商业侧包括用于插入现金的入口和用于分配现金的出口。胸部的客户侧还包括用于分配现金的出口。顶帽部分包括在商家侧的单独的用户界面和在客户侧的单独的用户界面。该机器用于保护商家业务中的多余现金。该机器能够在其中补充现金，而无需进入胸部内部的现金存储区域。

88. 发明授权

US08245914B1 Automated banking machine with noncontact reading of card data 有权
标题翻译：自动银行机器，非接触式读卡数据
公开(公告)号：US08245914B1
公开(公告)日：2012-08-21
申请号：US13066404
申请日：2011-04-14
申请人： Natarajan Ramachandran , Mark A. Douglass
发明人： Natarajan Ramachandran , Mark A. Douglass
IPC分类号： G06Q40/00 , G07D11/00 , G07F19/00
CPC分类号： G06K7/0004 , G06Q20/32 , G06Q20/3274 , G06Q20/352 , G06Q20/385 , G07F7/10 , G07F7/1075 , G07F19/20 , G07F19/205 , G07F19/207
摘要： An automated banking machine operates responsive to data read from data bearing records. The data corresponds to user card data received from a cell phone. The machine generates and displays a random number correlated with a time period. The machine user inputs the displayed random number into their phone. A software application in the phone encrypts the selected card data along with the inputted random number. The phone then displays a bar code image containing the encrypted data. The machine includes a bar code reader to read the displayed image. The machine can decrypt the random number and the card data from the read image. The random number is used to verify the current banking transaction session. The process replaces physical insertion of a card yet allows secure input of card data.
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。数据对应于从手机接收的用户卡数据。机器生成并显示与时间段相关的随机数。机器用户将显示的随机数输入他们的手机。电话中的软件应用程序与输入的随机数一起加密所选择的卡片数据。然后，手机显示包含加密数据的条形码图像。该机器包括读取显示图像的条形码阅读器。机器可以从读取的图像中解密随机数和卡数据。随机数用于验证当前银行交易会话。该过程取代了卡的物理插入，但允许卡数据的安全输入。

89. 发明授权

US08191767B1 Automated banking machine with noncontact reading of card data 有权
标题翻译：自动银行机器，非接触式读卡数据
公开(公告)号：US08191767B1
公开(公告)日：2012-06-05
申请号：US12928014
申请日：2010-12-01
申请人： Natarajan Ramachandran , Mark A. Douglass
发明人： Natarajan Ramachandran , Mark A. Douglass
IPC分类号： G06Q40/00 , G07D11/00 , G07F19/00
CPC分类号： G06K7/0004 , G06Q20/102 , G06Q20/105 , G06Q20/1085 , G06Q20/32 , G06Q20/3227 , G06Q20/3274 , G06Q20/352 , G06Q20/385 , G06Q30/0237 , G06Q30/04 , G07F7/10 , G07F7/1075 , G07F19/20 , G07F19/205
摘要： An automated banking machine operates responsive to data read from data bearing records. The data corresponds to card data which corresponds to at least one financial account. The record data is read by a reader and compared to stored data to authorize use of the machine. A financial transfer corresponding to the account may be carried out once use is authorized based on correspondence of the record data. A printed record of transactions is printed by the machine. Record data may alternatively be received by a reading device of the machine from a mobile device of a user, such as a cell phone.
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。数据对应于对应于至少一个金融账户的卡数据。记录数据由读取器读取，并与存储的数据进行比较以授权使用机器。一旦根据记录数据的通信被授权就可以执行对应于该帐户的财务转账。交易的打印记录由机器打印。记录数据可以替代地由机器的读取装置从诸如手机的用户的移动装置接收。

90. 发明授权

US08146802B1 Automated banking machine with noncontact reading of card data 有权
标题翻译：自动银行机器，非接触式读卡数据
公开(公告)号：US08146802B1
公开(公告)日：2012-04-03
申请号：US12075332
申请日：2008-03-11
申请人： Natarajan Ramachandran , Mark A. Douglass
发明人： Natarajan Ramachandran , Mark A. Douglass
IPC分类号： G06Q40/00 , G07D11/00 , G07F19/00
CPC分类号： G06K7/0004 , G06Q20/102 , G06Q20/105 , G06Q20/1085 , G06Q20/32 , G06Q20/3227 , G06Q20/3274 , G06Q20/352 , G06Q20/385 , G06Q30/0237 , G06Q30/04 , G07F7/10 , G07F7/1075 , G07F19/20 , G07F19/205
摘要： An automated banking machine can receive user card data from a cell phone. The phone stores the card data of several selectable cards, including electronic account number data. The machine generates and displays a random number correlated with a time period. A machine user manually inputs the displayed random number into their phone. A software application in the phone encrypts the selected card data along with the inputted random number data. The phone displays a bar code image containing the encrypted data. The banking machine includes a bar code reader which can read the displayed image. The machine causes the read data to be decrypted. The random number is used to verify the current transaction session. Thereafter, the user may provide other inputs, including PIN input. The process replaces physical insertion of a card yet allows secure input of the card data. Possible data interception from activities requiring card insertion are also reduced.
摘要翻译：自动银行机可以从手机接收用户卡数据。手机存储几张可选卡的卡片数据，包括电子帐号数据。机器生成并显示与时间段相关的随机数。机器用户手动将显示的随机数输入到他们的手机中。电话中的软件应用程序与输入的随机数字数据一起加密所选择的卡片数据。手机显示包含加密数据的条形码图像。银行机包括可读取显示图像的条形码读取器。该机器使读取的数据被解密。随机数用于验证当前事务会话。此后，用户可以提供其他输入，包括PIN输入。该过程取代了卡的物理插入，但允许卡数据的安全输入。也可以减少需要卡插入的活动的可能的数据拦截。

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