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21. 发明授权

US07861924B1 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：US07861924B1
公开(公告)日：2011-01-04
申请号：US12455602
申请日：2009-06-03
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： G06Q20/40 , G06Q20/3223 , 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 automated banking machine includes a card reader that is operative to read card data corresponding to a user financial account. The card data is linked in at least one data store to an indication that the card data corresponds to an authorized financial account to enable operation of the automated banking machine. The card data is also linked in the at least one data store to a mobile communication device (i.e., cell phone of an owner associated with the financial account). In response to receipt of card data and a transaction request from an automated banking machine, contact data for the owner's cell phone is determined and a message notifying the owner of the requested transaction is sent. The transaction is completed only if the owner provides a responsive message granting permission for the transaction to proceed. Alternatively or in addition transaction authorization may be based on the then current location of the owner's cell phone adjacent to the automated banking machine, and/or other criteria.
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。自动银行机包括读卡器，其操作来读取对应于用户金融账户的卡数据。卡数据被链接在至少一个数据存储器中，以指示卡数据对应于授权的财务帐户以使自动银行机的操作。卡数据还在至少一个数据存储器中链接到移动通信设备（即与金融账户相关联的所有者的手机）。响应于从自动银行机接收到卡数据和交易请求，确定所有者手机的联系人数据，并且发送通知所请求的交易的所有者的消息。仅当所有者提供响应消息授予交易进行许可时，交易才能完成。或者或另外交易授权可以基于与自动银行机相邻的所有者手机当时的当前位置和/或其他标准。

22. 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。

23. 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。

24. 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。

25. 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。

26. 发明授权

US07552868B1 Cash dispensing automated banking machine user interface system and method 有权
公开(公告)号：US07552868B1
公开(公告)日：2009-06-30
申请号：US11894184
申请日：2007-08-20
申请人： James Block , Paul D. Magee , Harold V. Putman , H. Thomas Graef
发明人： James Block , Paul D. Magee , Harold V. Putman , H. Thomas Graef
IPC分类号： G07F19/00
CPC分类号： G07F19/203 , G06Q20/10 , G06Q20/1085 , G07F19/20 , G07F19/205
摘要： An automated banking machine is operative to enable users to operate the machine to carry out transactions such as the dispensing of cash. The exemplary machine provides audible instructions which are output through external loudspeakers, a headphone, or a handset. Rotation of a rotatable knob (372, 382) or other movable item causes the output of user selectable characters, transaction types and/or amounts corresponding to each respective position. The user selects the audible output produced in the current position of the knob for receipt by the machine as a transaction input by pressing on the knob. Characters and other selectable inputs corresponding to knob positions can be varied by the computer in the machine to reduce the risk of a criminal intercepting the user's inputs to the machine.

27. 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。

28. 发明授权

US07314163B1 Check accepting and cash dispensing automated banking machine system and method 有权
标题翻译：检查接收和现金分发自动银行机系统和方法
公开(公告)号：US07314163B1
公开(公告)日：2008-01-01
申请号：US11787406
申请日：2007-04-16
申请人： Tim Crews , Keith Carpenter , Mike Ryan , Laura Drozda , Wayne Warren , Victor Bell , William McCarthy , Matthew Pahl , Martin J. Brown , Dale H. Blackson , Todd Galloway , Robert W. Barnett , James R. Kay , Mark A. Ward , David A. Peters , Edward L. Laskowski , H. Thomas Graef
发明人： Tim Crews , Keith Carpenter , Mike Ryan , Laura Drozda , Wayne Warren , Victor Bell , William McCarthy , Matthew Pahl , Martin J. Brown , Dale H. Blackson , Todd Galloway , Robert W. Barnett , James R. Kay , Mark A. Ward , David A. Peters , Edward L. Laskowski , H. Thomas Graef
IPC分类号： G06F19/00
CPC分类号： G07F19/202 , G06Q20/042 , G06Q20/40 , G07F19/20
摘要： An automated banking machine system includes ATMs that can accept checks. Cash may be dispensed from an ATM to the user in exchange for a check. Cancellation indicia can be marked on the check by the ATM. The ATM can acquire image data and magnetic data from a received check to determine the genuineness of the check and the authority of the user to cash the check. A check imaging device of the ATM can generate a digital image of a received check. The check image data can be stored in correlated relation with the related transaction data. The ATM can also modify the check image data to produce a modified check image that excludes sensitive check information, such as the user's account number in the micr line. The ATM can then print this modified check image on the user's transaction receipt.
摘要翻译：自动银行机系统包括可以接受支票的ATM。可以从ATM向用户分配现金以换取支票。取消指示可以在ATM的支票上标明。 ATM可以从接收到的支票获取图像数据和磁数据，以确定支票的真实性和用户现金支票的权限。 ATM的检查成像装置可以生成接收到的支票的数字图像。检查图像数据可以与相关的交易数据相关联地存储。 ATM还可以修改检查图像数据以产生修改的检查图像，其排除敏感检查信息，例如微行中的用户帐号。然后ATM可以在用户的交易收据上打印该修改的检查图像。

29. 发明授权

US07140537B2 ATM deposit verification method 有权
标题翻译： ATM存款验证方法
公开(公告)号：US07140537B2
公开(公告)日：2006-11-28
申请号：US10209217
申请日：2002-07-30
申请人： Dale Blackson , H. Thomas Graef
发明人： Dale Blackson , H. Thomas Graef
IPC分类号： G06K17/60
CPC分类号： G07F19/20 , G06Q20/1085 , G07D11/0036 , G07D11/009 , G07D11/0096 , G07F19/202
摘要： An automated banking machine (10) includes a mechanism for accepting deposited items. Items deposited into the machine through a deposit inlet (44) pass through a deposit transport (48) in which properties of the deposited item such as thickness are measured and indicia corresponding to the sensed properties are recorded on the deposited item. The deposited item is stored in a storage area (50) in the machine. Each deposited item is subsequently removed from the machine and the content thereof compared to the indicated value for the item input to the machine by the person making the deposit. The data corresponding to the indica recorded on the deposited item is usable to determine if the deposited item had content which may correspond to the value indicated at the time of deposit, and the user's account may be credited accordingly.
摘要翻译：自动银行机（10）包括用于接受存放物品的机构。通过沉积入口（44）沉入机器的物品通过沉积物运输（48），其中测量沉积物品的性质（例如厚度），并将与检测到的属性对应的标记记录在沉积物上。存放物品存储在机器中的存储区域（50）中。随后，由进行存款的人员将每个存放的物品从机器中取出并将其内容与输入到机器的物品的指定值进行比较。对应于记录在存放项目上的抄袭的数据可用于确定所存放的物品是否具有可以对应于存款时指示的值的内容，并且用户的帐户可以相应地记入贷方。

30. 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。

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