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71. 发明授权

US5788348A Automated teller machine with enhanced service access 失效
标题翻译：自动取款机具有增强的服务访问权限
公开(公告)号：US5788348A
公开(公告)日：1998-08-04
申请号：US600602
申请日：1996-02-12
申请人： Natarajan Ramachandran , Kim Raymond Lewis , Gerald T. Sedlock , Charles D. Price, III , Richard Calvin Lute, Jr.
发明人： Natarajan Ramachandran , Kim Raymond Lewis , Gerald T. Sedlock , Charles D. Price, III , Richard Calvin Lute, Jr.
IPC分类号： G07F9/00 , G07D11/00 , G07F19/00 , A47B81/00
CPC分类号： G07F19/20 , G07F19/201 , G07F19/205 , Y10T292/1047
摘要： An automated banking machine (10) includes an enclosure (12). The enclosure has an interior area (14) in which serviceable components (48, 52, 64, 68) are positioned on rollout trays (46, 50, 62, 66). The enclosure has a rear opening (18) which is selectively accessible through service doors (54, 58, 60). The enclosure further includes a front opening (16) which is bounded by a frame (20). A fascia (22) having input devices thereon is removably positionable in said frame. The fascia is held in engagement with said frame by a disengageable latch including locks (94, 98) and latching brackets (92). The locks are connected to release arms (102, 110) which enable releasing the disengageable latch once access to the interior area has been gained by opening the service doors. Serviceable components may be readily serviced by extending the components out of the interior area of the machine on the rollout trays. Adjacent rollout trays may be selectively extended and retracted to enable a service technician to service the components while occupying a minimum of floor space.
摘要翻译：自动银行机（10）包括外壳（12）。外壳具有内部区域（14），其中可使用部件（48,52,64,68）定位在卷绕托盘（46,50,62,66）上。外壳具有后开口（18），其可通过维修门（54,58,60）选择性地接近。外壳还包括由框架（20）限定的前开口（16）。其上具有输入装置的面板（22）可拆卸地定位在所述框架中。面板通过包括锁（94,98）和闩锁支架（92）的可脱离闩锁与所述框架保持接合。锁被连接到释放臂（102,110），其能够通过打开维修门来获得对内部区域的通路的释放可分离的闩锁。通过将部件从推出托盘上的机器的内部区域延伸出来，可以容易地维修可维修部件。可以选择性地延伸和缩回相邻的拉出托盘，以使服务技术人员能够在占用最小的占地面积的同时维修部件。

72. 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。

73. 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.

74. 发明授权

US08893962B2 Automated banking system controlled responsive to data bearing records 有权
标题翻译：自动银行系统受控于数据记录
公开(公告)号：US08893962B2
公开(公告)日：2014-11-25
申请号：US14189124
申请日：2014-02-25
申请人： Songtao Ma , Eric Toepke , Mike R. Ryan , Randall W. Jenkins , Natarajan Ramachandran , Thomas D. Ertle , Tim Crews , Willis Miller , Nick Billett , Steven Shepley , Dave Krzic , Victor A. Cogan
发明人： Songtao Ma , Eric Toepke , Mike R. Ryan , Randall W. Jenkins , Natarajan Ramachandran , Thomas D. Ertle , Tim Crews , Willis Miller , Nick Billett , Steven Shepley , Dave Krzic , Victor A. Cogan
IPC分类号： G06F17/00 , G06F1/00 , G06K5/00 , G06Q40/00 , G06F1/32 , G07F19/00
CPC分类号： G07F19/209 , G06F1/32 , G06F1/3293 , G06Q20/1085 , G07F19/20 , G07F19/206 , G07F19/207 , Y02D10/122 , Y10S902/08
摘要： An automated banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The automated banking machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to transaction function devices such as the card reader to avoid exceeding power supply capacity.
摘要翻译：自动银行业务器响应从与授权用户或财务账户数据相对应的数据承载记录读取的数据。自动银行机包括用于从用户卡读取数据的读卡器。自动银行机器引起与财务帐户相关的财务转移，这些转账对应于从用户卡读取的数据。自动银行机还包括控制诸如读卡器的交易功能设备的电力供应以避免超过电力供应能力的设备。

75. 发明授权

US08579191B2 Automated banking system controlled responsive to data bearing records 有权
公开(公告)号：US08579191B2
公开(公告)日：2013-11-12
申请号：US13324252
申请日：2011-12-13
申请人： Songtao Ma , Eric Toepke , Mike R. Ryan , Randall W. Jenkins , Natarajan Ramachandran , Thomas D. Ertle , Tim Crews , Willis Miller , Nick Billett , Steven Shepley , Dave Krzic , Victor A. Cogan
发明人： Songtao Ma , Eric Toepke , Mike R. Ryan , Randall W. Jenkins , Natarajan Ramachandran , Thomas D. Ertle , Tim Crews , Willis Miller , Nick Billett , Steven Shepley , Dave Krzic , Victor A. Cogan
IPC分类号： G06F17/00 , G06F1/00 , G06Q40/00 , G06K5/00
CPC分类号： G07F19/209 , G06F1/32 , G06F1/3293 , G06Q20/1085 , G07F19/20 , G07F19/206 , G07F19/207 , Y02D10/122 , Y10S902/08
摘要： An automatic banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to included devices to avoid exceeding power supply capacity.

76. 发明授权

US08561888B1 Check cashing banking system controlled responsive to data bearing records 有权
标题翻译：根据数据记录记录检查兑现银行系统
公开(公告)号：US08561888B1
公开(公告)日：2013-10-22
申请号：US13135673
申请日：2011-07-12
申请人： H. Thomas Graef , Sathish Irudayam , Natarajan Ramachandran
发明人： H. Thomas Graef , Sathish Irudayam , Natarajan Ramachandran
IPC分类号： G06F19/00
CPC分类号： B65H29/12 , B65H3/042 , B65H15/00 , B65H29/60 , B65H29/70 , B65H39/02 , B65H2301/3122 , B65H2301/33314 , B65H2301/42122 , B65H2301/4213 , B65H2301/4318 , B65H2403/942 , B65H2404/1532 , B65H2404/261 , B65H2404/262 , B65H2404/2693 , B65H2404/7412 , B65H2404/7414 , B65H2511/514 , B65H2701/1313 , B65H2701/18264 , B65H2701/18268 , B65H2701/1912 , B65H2701/1916 , G06Q20/042 , 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 , B65H2220/01
摘要： An automated banking machine operates to cause financial transfers responsive to card data read from user cards by a card reader. The financial transfers involve accounts that correspond to the read card data. The machine includes drive belts, rotatable idler rollers, and sensors positioned along a stack transport path. A stack of aligned currency notes is moved by the drive belts while the stack is situated between the belts and the rollers. The belts engage the face of an end note at one side of the stack while the stack bearing rollers contact the face of the other end note at the other side of the stack. The rollers' rolling contact with the stack earns sufficiently low friction that keeps the currency notes in alignment as the stack is moved along the transport path to a machine user during a cash dispensing operation.
摘要翻译：自动银行机操作以响应于读卡器从用户卡读取的卡数据来进行财务转账。财务转移涉及与读卡数据相对应的帐户。该机器包括传动带，可旋转的惰轮和沿着堆叠传送路径定位的传感器。一堆对齐的货币纸币由传动带移动，而堆叠位于带和辊之间。皮带在纸堆的一侧接合末端纸的表面，而纸堆轴承辊接触纸堆另一端的另一端纸币的表面。辊子与堆叠的滚动接触获得足够低的摩擦力，以便在货币分配操作期间，堆叠沿着输送路径移动到机器用户时保持货币对齐。

77. 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.

78. 发明授权

US08353450B2 Banking system controlled responsive to data bearing recordings and user input of a phone received security code 有权
标题翻译：银行系统响应于数据承载记录和用户输入的手机接收的安全码
公开(公告)号：US08353450B2
公开(公告)日：2013-01-15
申请号：US13441895
申请日：2012-04-08
申请人： Willis Miller , Matthew R. Zaugg , James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffery M. Enright , Mark A. Douglass , Caren R. Blackson
发明人： Willis Miller , Matthew R. Zaugg , James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffery M. Enright , Mark A. Douglass , Dale H. Blackson
IPC分类号： G06K5/00
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。

79. 发明授权

US08336765B1 Automated banking system controlled responsive to data bearing records 有权
标题翻译：自动银行系统受控于数据记录
公开(公告)号：US08336765B1
公开(公告)日：2012-12-25
申请号：US12075459
申请日：2008-03-11
申请人： Tim Crews , Natarajan Ramachandran
发明人： Tim Crews , Natarajan Ramachandran
IPC分类号： G07F19/00 , G06Q40/00 , G07D11/00
CPC分类号： G07F19/205 , G07F19/206 , G07F19/209
摘要： An automatic banking machine includes a card reader for reading user cards, and a cash dispenser. The automated banking machine carries out banking transactions related to user accounts based on information read from cards. The automated banking machine provides a printed receipt for transactions conducted. The machine carries out transactions when operatively connected to a source of AC power and a transaction network. The machine also carries out certain exception instructions when disconnected from its power source and/or network connection.
摘要翻译：自动银行机包括用于读取用户卡的读卡器和自动提款机。自动银行机器根据从卡读取的信息执行与用户帐户相关的银行交易。自动银行机器为进行的交易提供打印收据。当操作性地连接到交流电源和交易网络时，机器执行交易。当与电源和/或网络连接断开连接时，机器还会执行某些异常指令。

80. 发明申请

US20120312870A1 Automated Banking System Controlled Responsive to Data Bearing Records 有权
标题翻译：自动化银行系统受控于数据轴承记录
公开(公告)号：US20120312870A1
公开(公告)日：2012-12-13
申请号：US13567023
申请日：2012-08-04
申请人： Songtao Ma , Eric Toepke , Mike R. Ryan , Randall W. Jenkins , Natarajan Ramachandran , Thomas D. Ertle , Tim Crews , Willis Miller , Nick Billett , Steven Shepley , Dave Krzic , Victor A. Cogan
发明人： Songtao Ma , Eric Toepke , Mike R. Ryan , Randall W. Jenkins , Natarajan Ramachandran , Thomas D. Ertle , Tim Crews , Willis Miller , Nick Billett , Steven Shepley , Dave Krzic , Victor A. Cogan
IPC分类号： G07F19/00
CPC分类号： G07F19/209 , G06F1/32 , G06F1/3293 , G06Q20/1085 , G07F19/20 , G07F19/206 , G07F19/207 , Y02D10/122 , Y10S902/08
摘要： An automated banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The automated banking machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to transaction function devices such as the card reader to avoid exceeding power supply capacity.
摘要翻译：自动银行业务器响应从与授权用户或财务账户数据相对应的数据承载记录读取的数据。自动银行机包括用于从用户卡读取数据的读卡器。自动银行机器引起与财务帐户相关的财务转移，这些转账对应于从用户卡读取的数据。自动银行机还包括控制诸如读卡器的交易功能设备的电力供应以避免超过电力供应能力的设备。

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