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1. 发明授权

US08540142B1 Banking machine controlled responsive to data read from data bearing records 有权
标题翻译：响应于从数据记录读取数据的银行机器受控
公开(公告)号：US08540142B1
公开(公告)日：2013-09-24
申请号：US13404617
申请日：2012-02-24
申请人： David N. Lewis , Jeffery M. Enright , Natarajan Ramachandran , Mark A. Douglass , Tim Crews , Songtao Ma , Randall W. Jenkins , H. Thomas Graef , Sathish M. Irudayam , Klaus Steinbach
发明人： David N. Lewis , Jeffery M. Enright , Natarajan Ramachandran , Mark A. Douglass , Tim Crews , Songtao Ma , Randall W. Jenkins , H. Thomas Graef , Sathish M. Irudayam , Klaus Steinbach
IPC分类号： G06Q40/00 , G07D11/00 , G07F19/00
CPC分类号： G07F19/20 , G06Q40/02 , G07F7/1033 , G07F7/1091
摘要： A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The machine also includes a PIN keypad. The card reader can send encrypted card data to the keypad. The keypad can decipher the encrypted card data. The keypad can encrypt both deciphered card data and a received user PIN. The card data and the PIN are usable by the machine to authorize a user to carry out a financial transfer involving the account.
摘要翻译：银行系统响应于从数据记录中读取的数据进行操作。该系统包括包括读卡器的自动银行机。读卡器包括一个可移动的读取头，可读取沿着长边插入的卡的磁条的卡数据。读卡器包括卡入口门。门被打开以确定正确定向以进行数据读取的卡。读卡器可以加密卡数据，包括帐号数据。该机器还包括一个PIN键盘。读卡器可以将加密的卡数据发送到键盘。键盘可以解密加密的卡数据。键盘可以对已解密的卡片数据和接收到的用户PIN进行加密。卡片数据和PIN可由机器授权用户执行涉及该帐户的财务转移。

2. 发明授权

US08418917B1 Banking machine controlled responsive to data read from data bearing records 有权
公开(公告)号：US08418917B1
公开(公告)日：2013-04-16
申请号：US13404643
申请日：2012-02-24
申请人： David N. Lewis , Jeffery M. Enright , Natarajan Ramachandran , Mark A. Douglass , Tim Crews , Songtao Ma , Randall W. Jenkins , H. Thomas Graef , Sathish M. Irudayam , Klaus Steinbach
发明人： David N. Lewis , Jeffery M. Enright , Natarajan Ramachandran , Mark A. Douglass , Tim Crews , Songtao Ma , Randall W. Jenkins , H. Thomas Graef , Sathish M. Irudayam , Klaus Steinbach
IPC分类号： G06Q40/00 , G07D11/00 , G07F19/00
CPC分类号： G06K7/0004 , G06K13/08 , G06Q20/102 , G06Q20/105 , G06Q20/1085 , G06Q20/32 , G06Q20/3227 , G06Q20/3274 , G06Q20/352 , G06Q20/385 , G06Q30/0237 , G07F7/10 , G07F7/1075 , G07F19/20 , G07F19/205
摘要： A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The machine also includes a PIN keypad. The card reader can send encrypted card data to the keypad. The keypad can decipher the encrypted card data. The keypad can encrypt both deciphered card data and a received user PIN. The card data and the PIN are usable by the machine to authorize a user to carry out a financial transfer involving the account.

3. 发明授权

US08474700B1 Banking machine controlled responsive to data read from data bearing records 有权
公开(公告)号：US08474700B1
公开(公告)日：2013-07-02
申请号：US13385567
申请日：2012-02-24
申请人： David N. Lewis , Jeffery M. Enright , Natarajan Ramachandran , Mark A. Douglass , Tim Crews , Songtao Ma , Randall W. Jenkins , H. Thomas Graef , Sathish M. Irudayam , Klaus Steinbach , Theresa Ipson , Frank Natoli , James E. Pettitt , Charles H. Somers, Jr.
发明人： David N. Lewis , Jeffery M. Enright , Natarajan Ramachandran , Mark A. Douglass , Tim Crews , Songtao Ma , Randall W. Jenkins , H. Thomas Graef , Sathish M. Irudayam , Klaus Steinbach , Theresa Ipson , Frank Natoli , James E. Pettitt , Charles H. Somers, Jr.
IPC分类号： G06Q40/00 , G07D11/00 , G07F19/00
CPC分类号： G06K7/0004 , G06K13/06 , G06Q10/00 , G06Q20/102 , G06Q20/105 , G06Q20/1085 , G06Q20/32 , G06Q20/3227 , G06Q20/3274 , G06Q20/352 , G06Q20/385 , G06Q30/0237 , G06Q30/04 , G06Q40/00 , G07F7/10 , G07F7/1075 , G07F19/20 , G07F19/205
摘要： A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The machine also includes a PIN keypad. The card reader can send encrypted card data to the keypad. The keypad can decipher the encrypted card data. The keypad can encrypt both deciphered card data and a received user PIN. The card data and the PIN are usable by the machine to authorize a user to carry out a financial transfer involving the account.

4. 发明授权

US09177449B1 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：US09177449B1
公开(公告)日：2015-11-03
申请号：US13421107
申请日：2012-03-15
申请人： David E. Kolinski-Schultz , James Block , Randall W. Jenkins , Tim Crews , Michael J. Harty , Paul D. Magee , Richard C. Lute , Klaus Steinbach , Natarajan Ramachandran
发明人： David E. Kolinski-Schultz , James Block , Randall W. Jenkins , Tim Crews , Michael J. Harty , Paul D. Magee , Richard C. Lute , Klaus Steinbach , Natarajan Ramachandran
IPC分类号： G06F17/00 , G07F19/00
CPC分类号： G07F19/20 , G06Q20/1085 , G07F19/201 , G07F19/2055
摘要： An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and a display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. A secure chest portion of the machine is accessible responsive to servicer input through an input device of the machine.
摘要翻译：响应于从数据承载记录读取的数据而进行财务转移的装置包括至少一个与读卡器，支票接收器，自动取款机和显示器操作连接的处理器。所述至少一个处理器使得所述机器操作以从用户卡读取卡数据，并且确定所读取的卡数据对应于授权的财务帐户。所述至少一个处理器可操作以从要分发的支票和/或现金读取数据，以及从其账户对应的财务转账。机器的安全的胸部部分可通过机器的输入设备进行服务器输入。

5. 发明授权

US08950665B1 Banking system controlled responsive to data bearing records 有权
公开(公告)号：US08950665B1
公开(公告)日：2015-02-10
申请号：US13385338
申请日：2012-02-14
申请人： James Block , Randall W. Jenkins , Tim Crews , Michael J. Harty , Paul D. Magee , Richard C. Lute , Klaus Steinbach , Natarajan Ramachandran
发明人： James Block , Randall W. Jenkins , Tim Crews , Michael J. Harty , Paul D. Magee , Richard C. Lute , Klaus Steinbach , Natarajan Ramachandran
IPC分类号： G06Q40/00
CPC分类号： G07F19/201 , G07F19/205 , G07F19/2055
摘要： An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and the display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. Unauthorized observation of manual inputs to an input device is prevented through the use of nonvisible light emitters that prevent the observation of such inputs via an electronic camera interception device.

6. 发明授权

US08978971B1 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：US08978971B1
公开(公告)日：2015-03-17
申请号：US13396026
申请日：2012-02-14
申请人： James Block , Randall W Jenkins , Tim Crews , Michael J Harty , Paul D Magee , Richard C. Lute , Klaus Steinbach , Natarajan Ramachandran
发明人： James Block , Randall W Jenkins , Tim Crews , Michael J Harty , Paul D Magee , Richard C. Lute , Klaus Steinbach , Natarajan Ramachandran
IPC分类号： G06Q40/00
CPC分类号： G07F19/2055
摘要： An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and the display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. Unauthorized observation of manual inputs to an input device is prevented through the use of nonvisible light emitters that prevent the observation of such inputs via an electronic camera interception device.
摘要翻译：响应于从数据承载记录读取的数据而进行财务转移的装置包括至少一个与读卡器，支票接收器，自动取款机和显示器操作连接的处理器。所述至少一个处理器使得所述机器操作以从用户卡读取卡数据，并且确定所读取的卡数据对应于授权的财务帐户。所述至少一个处理器可操作以从要分发的支票和/或现金读取数据，以及从其账户对应的财务转账。通过使用不可见光发射器防止通过电子摄像机拦截装置观察这些输入，从而防止对输入设备的手动输入的未经授权的观察。

7. 发明授权

US08833646B1 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：US08833646B1
公开(公告)日：2014-09-16
申请号：US12380408
申请日：2009-02-25
申请人： Tim Crews , Natarajan Ramachandran , Joseph Hartman , Raymond P. Motz , Anne E. Bayonnet , Klaus Steinbach
发明人： Tim Crews , Natarajan Ramachandran , Joseph Hartman , Raymond P. Motz , Anne E. Bayonnet , Klaus Steinbach
IPC分类号： G06K5/00
CPC分类号： G07F19/205 , G06F3/0488 , G06Q20/1085 , G06Q20/20 , G06Q20/382 , G06Q20/40 , G06Q40/02 , G07F19/20 , G07F19/201 , G07F19/203
摘要： A card actuated automated banking machine (10) is operative to early out financial transactions responsive to data included on user cards. The banking machine includes a user interface (15) including a display (24). The user interface includes a card reader (16) which is operative to read data on user cards which identify at least one of user and a user's financial accounts. A fascia of the machine includes a keypad (404, 438, 458) through which users input confidential data. Covers (400, 422, 430) prevent unauthorized persons from viewing confidential inputs to the keypad. Authorization signals assure that the display is operating in a manner that provides appropriate user instructions. A visual indicator is operative to indicate to a user that keypad inputs are being encrypted. Alternatively a touch screen display module (608) is operative to securely receive manual inputs and/or card data.
摘要翻译：卡启动的自动银行机（10）可操作以响应于包括在用户卡上的数据来提前执行金融交易。银行机包括包括显示器（24）的用户界面（15）。用户接口包括读卡器（16），其可用于读取识别用户和用户财务帐户中的至少一个的用户卡上的数据。机器的面板包括用户输入机密数据的小键盘（404,483,458）。封面（400,422,430）防止未经授权的人员查看键盘的机密输入。授权信号确保显示器以提供适当用户指令的方式运行。视觉指示器用于向用户指示键盘输入正被加密。或者，触摸屏显示模块（608）可操作以安全地接收手动输入和/或卡数据。

8. 发明授权

US08573479B1 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：US08573479B1
公开(公告)日：2013-11-05
申请号：US13134654
申请日：2011-06-13
申请人： Randall Jenkins , Tim Crews , Natarajan Ramachandran , Joseph Hartman , Raymond P. Motz , Anne E. Konecny , Klaus Steinbach
发明人： Randall Jenkins , Tim Crews , Natarajan Ramachandran , Joseph Hartman , Raymond P. Motz , Anne E. Konecny , Klaus Steinbach
IPC分类号： G06Q40/00
CPC分类号： G06Q20/1085 , G06F3/016 , G06F3/0482 , G06F3/04886 , G06Q20/4012 , G07F19/201 , G07F19/205
摘要： A machine (10) is operative to carry out financial transfers responsive to data included on data bearing records including user cards. The machine includes a user interface (15) including a display (24). The user interface includes a card reader (16) which is operative to read data on user cards which identify at least one of user and a user's financial accounts. Records of the financial transfers are provided by a printer (30). A touch screen display module (608) is operative to securely receive manual inputs and/or card data. The touch screen display module includes a contact surface that can be electronically contoured to provide outputs that can be perceived through finger contact with the contact surface.
摘要翻译：机器（10）可操作以响应包括在包括用户卡的数据承载记录上的数据执行财务转移。该机器包括包括显示器（24）的用户界面（15）。用户接口包括读卡器（16），其可用于读取识别用户和用户财务帐户中的至少一个的用户卡上的数据。财务转账记录由打印机（30）提供。触摸屏显示模块（608）可操作以安全地接收手动输入和/或卡数据。触摸屏显示模块包括接触表面，该接触表面可以被电子地轮廓化以提供通过手指与接触表面接触可感知的输出。

9. 发明申请

US20120074217A1 Banking Terminal that Operates to Cause Financial Transfers Responsive to Data Bearing Records 有权
标题翻译：运营资金转移的银行终端对数据记录的响应
公开(公告)号：US20120074217A1
公开(公告)日：2012-03-29
申请号：US13311033
申请日：2011-12-05
申请人： James Block , Natarajan Ramachandran , Ashok Modi , Jeff Hill , Ray Motz , Klaus Steinbach
发明人： James Block , Natarajan Ramachandran , Ashok Modi , Jeff Hill , Ray Motz , Klaus Steinbach
IPC分类号： G07F19/00
CPC分类号： G07F19/206 , G06Q20/327 , G06Q20/4014 , G07F19/20 , G07F19/205
摘要： A portable terminal operates to cause financial transfers responsive to data read from data bearing records in the form of user cards. The user cards include credit and/or debit cards. Data corresponding to the card data is stored in at least one memory of the terminal. The terminal includes a wireless communication device. The terminal operates to wirelessly communicate data corresponding to card data to one or more remote computers to cause financial transfers to or from selected accounts. The terminal also operates to provide outputs corresponding to account balances and to receive data corresponding to receipts.
摘要翻译：便携式终端操作以响应于以用户卡的形式从数据承载记录读取的数据进行财务转移。用户卡包括信用卡和/或借记卡。对应于卡数据的数据被存储在终端的至少一个存储器中。终端包括无线通信设备。该终端用于将与卡数据相对应的数据无线地传送到一个或多个远程计算机，从而导致从所选帐户进入或来自所选账户的资金转移终端还用于提供对应于帐户余额的输出并且接收对应于收据的数据。

10. 发明授权

US07780072B1 Enclosure for automated banking machine 有权
标题翻译：自动银行机柜
公开(公告)号：US07780072B1
公开(公告)日：2010-08-24
申请号：US11445602
申请日：2006-06-02
申请人： Richard C. Lute , Zachary Utz , Pedro Tula , Klaus Steinbach , Natarajan Ramachandran , Mark Estep
发明人： Richard C. Lute , Zachary Utz , Pedro Tula , Klaus Steinbach , Natarajan Ramachandran , Mark Estep
IPC分类号： G07F19/00
CPC分类号： G07F19/205 , G07F19/20
摘要： An automated banking machine includes a top housing cover slidably mounted with respect to a top wall of the housing of a chest or secure enclosure. The top housing cover includes side channels for slidably receiving spaced upwardly extending flanges mounted on the chest housing. Various upper banking machine components are mounted in supporting connection with the chest housing about the secure enclosure. The components may include a display, a card reader, a receipt printer, a communications device, and a keypad. In an operable condition, the top housing cover is positioned so that a front opening therein is covered by an upper fascia. Removal of one or more fasteners allows the top housing cover to be moved rearwardly to expose the banking machine components for maintenance, replacement or other servicing activity.
摘要翻译：一种自动银行机包括顶部壳体盖，其相对于胸部或固定外壳的外壳的顶壁可滑动地安装。顶部壳体盖包括用于可滑动地接收安装在胸部壳体上的间隔开的向上延伸的凸缘的侧通道。各种上部银行机器部件被安装成围绕安全壳体与胸部壳体支撑连接。组件可以包括显示器，读卡器，收据打印机，通信设备和小键盘。在可操作的状态下，顶部壳体盖定位成使得其中的前开口被上面板覆盖。去除一个或多个紧固件允许顶部壳体盖向后移动以暴露银行机器部件以进行维护，更换或其他维修活动。

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