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1. 发明授权

US08590782B1 Banking system operated responsive to data bearing records 有权
公开(公告)号：US08590782B1
公开(公告)日：2013-11-26
申请号：US13857761
申请日：2013-04-05
申请人： James Meek , Nick Billett , Balaji Devarasetty , Lee Kravitz , Mark Reinart , Michael O'Boyle , Ken Koran , William Hemlick
发明人： James Meek , Nick Billett , Balaji Devarasetty , Lee Kravitz , Mark Reinart , Michael O'Boyle , Ken Koran , William Hemlick
IPC分类号： G06Q40/00
CPC分类号： G06Q20/1085 , G06Q30/0241 , G07F7/08 , G07F9/023 , G07F19/20 , G07F19/206 , G07F19/211
摘要： A system includes a plurality of machines that operate responsive to data bearing records such as user cards (74, 76, 78, 80, 82, 84, 86). The machines operate to carry out financial transactions with associated host computers (90, 94, 100, 104) responsive to determinations that card data corresponds to computer stored data corresponding to authorized users or accounts. Marketing presentations are stored on and output from the machines responsive to messages exchanged with a market message server (110) which is connected to the machines. Systems can also distribute and activate instructions corresponding to states and screens logic on the machines to determine operation.

2. 发明授权

US08413889B1 Banking system operated responsive to data bearing records 有权
公开(公告)号：US08413889B1
公开(公告)日：2013-04-09
申请号：US12844377
申请日：2010-07-27
申请人： Balaji Devarasetty , Alok Prakash , Lee Kravitz , Mark Reinart , Edith Knowles , Theresa Butler , Michael O'Boyle , James Meek , Ken Koran , Nick Billett , William Hemlick , Ron DiFrango , Changning Jiang , Donald P. McCoy , Gregory Shimek , Robert D. Symonds , Irek Singer , Anthony Lee , Peter St. George , Robert Bradley Gill
发明人： Balaji Devarasetty , Alok Prakash , Lee Kravitz , Mark Reinart , Edith Knowles , Theresa Butler , Michael O'Boyle , James Meek , Ken Koran , Nick Billett , William Hemlick , Ron DiFrango , Changning Jiang , Donald P. McCoy , Gregory Shimek , Robert D. Symonds , Irek Singer , Anthony Lee , Peter St. George , Robert Bradley Gill
IPC分类号： G06Q40/00
CPC分类号： G06Q20/1085 , G06Q30/0241 , G07F7/08 , G07F9/023 , G07F19/20 , G07F19/206 , G07F19/211
摘要： A system includes a plurality of machines that operate responsive to data bearing records such as user cards (74, 76, 78, 80, 82, 84, 86). The machines operate to carry out financial transactions with associated host computers (90, 94, 100, 104) responsive to determinations that card data corresponds to computer stored data corresponding to authorized users or accounts. Marketing presentations are stored on and output from the machines responsive to messages exchanged with a market message server (110) which is connected to the machines. Systems can also distribute and activate instructions corresponding to states and screens logic on the machines to determine operation.

3. 发明授权

US08393534B1 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：US08393534B1
公开(公告)日：2013-03-12
申请号：US13136431
申请日：2011-08-01
申请人： Bruce Bowen , Lee Kravitz
发明人： Bruce Bowen , Lee Kravitz
IPC分类号： G06Q40/00 , G07D11/00 , G07F19/00
CPC分类号： G09B21/006 , G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q20/40 , G06Q40/02 , G07F19/201 , G09B21/008
摘要： An automated banking machine operates to carry out financial transfers responsive to data read from data bearing records. The machine includes a card reader that operates to read data from user cards. The card data corresponds to financial accounts. The automated banking machine further includes a cash dispenser. The machine is operative to dispense cash to an authorized user based on identifying data including card data, and to cause a financial transfer from an account corresponding to card data through communication with at least one remote computer. The machine is operative to produce an audio output including verbal information through a headphone port to a headphone.
摘要翻译：一个自动银行机器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，用于从用户卡读取数据。卡数据对应于财务账户。自动银行机还包括自动提款机。该机器可操作地基于识别包括卡数据的数据向授权用户分配现金，并且通过与至少一个远程计算机的通信，从与卡数据相对应的帐户进行财务转移。该机器可操作地产生音频输出，包括通过耳机端口到耳机的口头信息。

4. 发明授权

US07494050B1 Automated banking machine audible user interface method 有权
标题翻译：自动银行机听觉用户界面方法
公开(公告)号：US07494050B1
公开(公告)日：2009-02-24
申请号：US11169295
申请日：2005-06-28
申请人： Bruce Bowen , Lee Kravitz
发明人： Bruce Bowen , Lee Kravitz
IPC分类号： G06Q40/00
CPC分类号： G09B21/006 , G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q20/40 , G06Q40/02 , G07F19/201 , G09B21/008
摘要： An automated banking machine is operative to output a visual and audible user interface which enables a consumer to operate the machine. The visual user interface includes a plurality of hierarchically organized visual screens. For each visual screen, the exemplary machine includes corresponding verbal instructions which are output through external loudspeakers or a headphone placed in operative connection with an external port of the machine. Upon insertion of the headphone into the port, the machine is operative to mute the output to any external loudspeakers and set the audio output through the headphone to a minimum or medium volume level. The automated banking machine is responsive to operating at least one volume control key to cycle the audible output through a plurality of different volume levels. For each input, the machine is operative to output verbal description of the function associated with the input.
摘要翻译：自动银行机可操作地输出视觉和听觉用户界面，使用户能够操作机器。视觉用户界面包括多个分层组织的视觉屏幕。对于每个视觉屏幕，示例性机器包括通过外部扬声器或与机器的外部端口可操作地连接的耳机输出的相应语言指令。在将耳机插入端口时，机器可操作地将输出静音到任何外部扬声器，并将通过耳机的音频输出设置为最小或中等音量。自动银行机响应于操作至少一个音量控制键，以便通过多个不同音量水平循环可听输出。对于每个输入，机器可操作地输出与输入相关联的功能的口头描述。

5. 发明授权

US07988041B1 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：US07988041B1
公开(公告)日：2011-08-02
申请号：US12924748
申请日：2010-10-04
申请人： Bruce Bowen , Lee Kravitz
发明人： Bruce Bowen , Lee Kravitz
IPC分类号： G06Q40/00 , G07D11/00 , G07F19/00
CPC分类号： G09B21/006 , G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q20/40 , G06Q40/02 , G07F19/201 , G09B21/008
摘要： An automated banking machine operates to carry out financial transfers responsive to data read form data bearing records. The machine includes a card reader that operates to read data from user cards. The card data corresponds to financial accounts. The automated banking machine further includes a cash dispenser. The machine is operative to dispense cash to an authorized user based on identifying data including card data, and to cause a financial transfer from an account corresponding to card data through communication with at least one remote computer. The machine is operative to acquire data usable to configure a computer in the machine produce an audio signal including verbal information through the headphone port. The verbal information conveys the location of a user accessible portion of the at least one transaction function device.
摘要翻译：一个自动银行机器可以根据数据读取形式的数据记录进行财务转移。该机器包括读卡器，用于从用户卡读取数据。卡数据对应于财务账户。自动银行机还包括自动提款机。该机器可操作地基于识别包括卡数据的数据向授权用户分配现金，并且通过与至少一个远程计算机的通信从与卡数据相对应的帐户进行财务转移。该机器用于获取可用于在机器中配置计算机的数据，通过耳机端口产生包括口头信息的音频信号。口头信息传达至少一个交易功能设备的用户可访问部分的位置。

6. 发明授权

US07806318B1 Card activated cash dispensing automated banking machine audible user interface system and method 有权
标题翻译：卡片激活的现金分发自动银行机听觉用户界面系统和方法
公开(公告)号：US07806318B1
公开(公告)日：2010-10-05
申请号：US12380106
申请日：2009-02-23
申请人： Bruce Bowen , Lee Kravitz
发明人： Bruce Bowen , Lee Kravitz
IPC分类号： G06Q40/00
CPC分类号： G09B21/006 , G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q20/40 , G06Q40/02 , G07F19/201 , G09B21/008
摘要： An automated banking machine operates to carry out financial transfers responsive to data read form data bearing records. The machine includes a card reader that operates to read data from user cards. The card data corresponds to financial accounts. The automated banking machine further includes a cash dispenser. The machine is operative to dispense cash to an authorized user based on identifying data including card data, and to cause a financial transfer from an account corresponding to card data through communication with at least one remote computer. The machine is operative to receive a screen message from a host banking system. The screen message may include data indicating the presence of speech data in the screen message.
摘要翻译：一个自动银行机器可以根据数据读取形式的数据记录进行财务转移。该机器包括读卡器，用于从用户卡读取数据。卡数据对应于财务账户。自动银行机还包括自动提款机。该机器可操作地基于识别包括卡数据的数据向授权用户分配现金，并且通过与至少一个远程计算机的通信从与卡数据相对应的帐户进行财务转移。该机器可操作以从主机银行系统接收屏幕消息。屏幕消息可以包括指示屏幕消息中语音数据的存在的数据。

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