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1. 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.

2. 发明授权

US08011572B2 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：US08011572B2
公开(公告)日：2011-09-06
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 , G06Q20/00 , G07D11/00 , G07F19/00 , G06K5/00 , G06K7/00 , G06K7/08 , G06K19/00 , G06F7/08
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。

3. 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。

4. 发明申请

US20110309141A1 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：US20110309141A1
公开(公告)日：2011-12-22
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
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.
摘要翻译：响应于数据承载记录操作的现金分配银行机包括从用户卡读取识别数据的读卡器。当确定指示用户的语音对应于存储在数据中的特定识别用户时，机器从金融账户的自动取款机分配现金，而不会导致读卡器设备从对应于金融帐户的卡中读取数据与财务账户存在相关关系。

5. 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。

6. 发明申请

US20050167482A1 ATM with facial recognition features 审中-公开
标题翻译： ATM具有面部识别功能
公开(公告)号：US20050167482A1
公开(公告)日：2005-08-04
申请号：US11097757
申请日：2005-03-31
申请人： Natarajan Ramachandran , Mark Owens , Mark Smith , Sean Haney , Andrew Junkins , Matthew Force , H. Graef , Elizabeth Herrera , Robert Miller , Roy Mleziva , Jeffrey Hill
发明人： Natarajan Ramachandran , Mark Owens , Mark Smith , Sean Haney , Andrew Junkins , Matthew Force , H. Graef , Elizabeth Herrera , Robert Miller , Roy Mleziva , Jeffrey 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 a self-service automated transaction machine that permits an authorized user to perform transactions therewith based on facial recognition. Examples of transactions include withdrawing cash, depositing cash, and exchanging cash. The machine includes a plurality of cameras from which plural facial images are captured in determining whether to grant machine access to an individual adjacent the machine.
摘要翻译：本发明涉及自助交易机器，其允许授权用户基于面部识别执行交易。交易的例子包括提取现金，存入现金和交换现金。该机器包括多个摄像机，在确定是否授予对邻近机器的个人的机器访问时捕获多个面部图像。

7. 发明授权

US6023688A Transaction apparatus and method that identifies an authorized user by appearance and voice 失效
标题翻译：通过外观和语音识别授权用户的交易装置和方法
公开(公告)号：US6023688A
公开(公告)日：2000-02-08
申请号：US37559
申请日：1998-03-09
申请人： Natarajan Ramachandran , Roy Mleziva , Jeffrey A. Hill
发明人： Natarajan Ramachandran , Roy Mleziva , Jeffrey A. Hill
IPC分类号： G07C9/00 , G07F19/00 , G06F19/00
CPC分类号： G07C9/00158 , G06Q20/042 , G06Q20/102 , G06Q20/1085 , G06Q20/40 , G06Q20/40145 , G07F19/20 , G07F19/201 , G07C2011/02
摘要： A financial transaction apparatus (30) includes a financial transaction machine (32). The machine includes devices (34) including transaction function devices (42, 44, 46, 48) for carrying out operations associated with financial transactions. The terminal also includes an imaging device (50) and an audio input device (52), as well as a visual output device (36) and an audio output device (54). Terminal (32) is connected to a computer (68) which has an associated data store (70). The data store includes user data including image data and voice data corresponding to authorized users. The identity of a customer operating the machine is determined by resolving first identity data based on image signals from the imaging device which correspond to a user's appearance. Second identity data is resolved by the processor from voice signals from the audio input device corresponding to the user's voice. The computer enables operation of the transaction function devices if the level of correlation between the first and second identity data is sufficient to establish that the image and voice signals originate from a single authorized user.
摘要翻译：金融交易装置（30）包括金融交易机（32）。该机器包括用于执行与金融交易相关的操作的交易功能设备（42,44,46,48）的设备（34）。终端还包括成像设备（50）和音频输入设备（52），以及可视输出设备（36）和音频输出设备（54）。终端（32）连接到具有关联的数据存储（70）的计算机（68）。数据存储包括用户数据，包括与授权用户对应的图像数据和语音数据。通过根据与用户的外观相对应的来自成像装置的图像信号来解析第一身份数据来确定操作机器的客户的身份。第二身份数据由处理器从与用户语音相对应的音频输入设备的语音信号中解决。如果第一和第二身份数据之间的相关程度足以确定图像和语音信号来自单个授权用户，则计算机使得交易功能设备能够操作。

8. 发明授权

US08573482B1 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：US08573482B1
公开(公告)日：2013-11-05
申请号：US13419932
申请日：2012-03-14
申请人： Richard C. Lute , Mark A. Douglass , Roy Mleziva , Shawn Griggy
发明人： Richard C. Lute , Mark A. Douglass , Roy Mleziva , Shawn Griggy
IPC分类号： G07F19/00
CPC分类号： H05K7/14 , G07F19/205 , Y10S902/08 , Y10S902/09 , Y10S902/10 , Y10S902/11 , Y10S902/12 , Y10S902/13 , Y10S902/14 , Y10S902/15
摘要： An apparatus including an automated banking machine is operative to cause financial transfers responsive at least in part to data read from data bearing records. The machine includes a card reader that is operative to read card data usable to identify at least one of a user of the machine and a financial account. A computer associated with the machine is operative to cause card data to be read through operation of the card reader, and to cause a determination to be made that read card data corresponds to a financial account authorized to conduct a transaction through the machine. The computer is operative responsive at least in part to the determination to cause the financial account to be at least one of assessed and credited with a value associated with a financial transaction.
摘要翻译：包括自动银行机器的装置可操作以至少部分地响应从数据承载记录读取的数据来进行财务转移。该机器包括读卡器，其可操作以读取可用于识别机器的用户和金融帐户中的至少一个的卡数据。与机器相关联的计算机可操作以通过读卡器的操作来读取卡片数据，并且确定读卡数据对应于被授权通过机器进行交易的金融账户。该计算机至少部分地响应于使金融账户至少与评估和记入与金融交易相关联的值的确定。

9. 外观设计

USD602225S1 Automated teller machine 有权
公开(公告)号：USD602225S1
公开(公告)日：2009-10-13
申请号：US29310950
申请日：2008-09-19
申请人： Richard C. Lute , Mark A. Douglas , Roy Mleziva , Donald S. Nelson, Jr. , Paul D. Magee , David A. Barker
设计人： Richard C. Lute , Mark A. Douglas , Roy Mleziva , Donald S. Nelson, Jr. , Paul D. Magee , David A. Barker

10. 发明授权

US07152784B2 Cash dispensing automated banking machine with fascia and component self-alignment 有权
标题翻译：现金分配自动银行机与面板和组件自对准
公开(公告)号：US07152784B2
公开(公告)日：2006-12-26
申请号：US10797929
申请日：2004-03-10
申请人： Mark Douglass , Roy Mleziva , Daniel Schoeffler , Dave Kraft , Richard C. Lute , Shawn Griggy , Pedro Tula , Zen Y. Wang
发明人： Mark Douglass , Roy Mleziva , Daniel Schoeffler , Dave Kraft , Richard C. Lute , Shawn Griggy , Pedro Tula , Zen Y. Wang
IPC分类号： G07F19/00
CPC分类号： G07F19/20 , G06Q20/1085 , G06Q40/00 , G07D11/0081 , G07F19/201 , G07F19/202 , G07F19/205 , G07F19/207
摘要： An automated banking machine (10) is provided. The automated banking machine may include a fascia (50) in operative connection with a frame (110). The machine may include a plurality of hardware devices which are accessible through the fascia. The hardware devices may include a cash dispenser (24), receipt printer (20), and a card reader (22). The fascia may include replaceable bezels (550,552) with apertures therein for providing access to hardware devices. The bezels may be operative to float with respect to the fascia and hardware devices to automatically align hardware devices with the bezels. In addition the hardware devices may include movable portions which are operative to automatically align with the bezels. The bezels may include ramps, ribs, or other angled surfaces which guide the hardware devices into alignment with the openings in the bezels.
摘要翻译：提供自动银行机（10）。自动银行机可以包括与框架（110）可操作地连接的面板（50）。机器可以包括可通过面板访问的多个硬件设备。硬件设备可以包括自动提款机（24），收据打印机（20）和读卡器（22）。面板可以包括其中具有孔的可更换的边框（550,552），用于提供对硬件设备的访问。挡板可以相对于仪表板和硬件设备来操作以自动地将硬件设备与挡板对齐。此外，硬件设备可以包括可操作以自动对准边框的可移动部分。边框可以包括斜面，肋或其他成角度的表面，其引导硬件装置与挡板中的开口对齐。

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