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1. 发明授权

US07591413B1 Cash dispensing automated banking machine with GPS 有权
标题翻译：自动点钞自动银行机与GPS
公开(公告)号：US07591413B1
公开(公告)日：2009-09-22
申请号：US11229944
申请日：2005-09-19
申请人： James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffery M. Enright , Dale Blackson
发明人： James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffery M. Enright , Dale Blackson
IPC分类号： G06F17/60
CPC分类号： G07F19/207 , G07F19/20
摘要： An automated banking machine includes a Global Positioning System (GPS). The machine can transmit a GPS location reading to a security center. The security center can compare the received GPS location to a location assigned to the machine. If the compared locations do not match then a determination is made that the machine was stolen. Responsive to a determination of theft, dye packs located in the machine can be activated to stain cash therein. The dye packs can also be set off if the machine's safe door is opened without the following a predetermined sequence for opening the door. Thus, cash in a stolen automated banking machine can be rendered as unusable.
摘要翻译：自动银行机包括全球定位系统（GPS）。该机器可以将GPS位置读数传输到安全中心。安全中心可以将接收到的GPS位置与分配给机器的位置进行比较。如果比较的位置不匹配，则确定机器被盗。响应于盗窃的确定，位于机器中的染料包可以被激活以污染其中的现金。如果机器的安全门打开而没有按照预定的打开门的顺序，染色包也可以被关闭。因此，被盗的自动银行机器中的现金可以被渲染为不可用的。

2. 发明授权

US07118031B2 Automated banking machine with improved resistance to fraud 有权
标题翻译：自动银行机具有改善的抗欺诈能力
公开(公告)号：US07118031B2
公开(公告)日：2006-10-10
申请号：US10832960
申请日：2004-04-27
申请人： Natarajan Ramachandran , Jeffery M. Enright , Dale Blackson
发明人： Natarajan Ramachandran , Jeffery M. Enright , Dale Blackson
IPC分类号： G06F17/60
CPC分类号： G06Q20/18 , G07F19/20 , G07F19/201 , G07F19/2055 , G07F19/207 , G07F19/211
摘要： An automated banking machine (10) includes a lockable first fascia portion (20) which when unlocked enables access to a chest lock input device (104), inputs to which enable opening a chest door (18) of the machine. Opening the first fascia portion also enables access to an actuator (116) which enables moving a second fascia portion (22) for conducting service activities. A controller (72) in the machine selectively illuminates light emitting devices (118, 126) for purposes of facilitating user operation of the machine. Sensing devices (128) adjacent a card reader slot (28) on the machine enables the controller to detect the presence of a fraud device or unauthorized card reading devices. Sensing devices (254) adjacent a keypad (32) enables the controller to detect the presence of an unauthorized manual input intercepting device.
摘要翻译：自动银行机器（10）包括可锁定的第一面板部分（20），当解锁时，可以访问胸锁锁输入装置（104），能够打开机器的胸门（18）的输入。打开第一面板部分还使得能够进入能够移动第二面板部分（22）以进行服务活动的致动器（116）。机器中的控制器（72）为了便于用户操作机器而选择性地照亮发光装置（118,126）。与机器上的读卡器插槽（28）相邻的传感设备（128）使得控制器能够检测到欺诈设备或未经授权的读卡设备的存在。邻近键盘（32）的传感装置（254）使得控制器能够检测未经授权的手动输入拦截装置的存在。

3. 发明授权

US07866544B1 Card reading automated banking machine authorization based on user location verification 有权
标题翻译：基于用户位置验证的卡阅读自动银行授权
公开(公告)号：US07866544B1
公开(公告)日：2011-01-11
申请号：US11370513
申请日：2006-03-07
申请人： James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffery M. Enright , Dale Blackson
发明人： James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffery M. Enright , Dale Blackson
IPC分类号： G06F17/00
CPC分类号： G07F19/201 , G06Q20/18 , G06Q20/3224 , G07F19/20 , G07F19/2055 , G07F19/207 , G07G3/003 , H04W4/021
摘要： An ATM transaction request is authorized based on the determined location of an authorized user relative to the ATM. Identification of an authorized ATM user is linked to a remotely locatable item (e.g., a cell phone) of the authorized user. An ATM receiving the identification causes the location of the cell phone to be determined. A comparison is then made of the cell phone location and the ATM location. If the locations correspond, then the current ATM user is recognized as the authorized user and ATM transactions are permitted. If the locations do not correspond, then the current ATM user is denied ATM transactions. The security arrangement can prevent an unauthorized ATM user from using a fraudulent ATM card to access a financial account.
摘要翻译：基于所确定的授权用户相对于ATM的位置来授权ATM交易请求。授权ATM用户的标识被链接到授权用户的可远程定位的项目（例如，蜂窝电话）。接收到该标识的ATM使确定手机的位置。然后比较手机位置和ATM位置。如果位置对应，则当前ATM用户被认定为授权用户，并允许ATM交易。如果位置不对应，则当前ATM用户被拒绝ATM交易。安全安排可以防止未经授权的ATM用户使用欺诈ATM卡访问财务帐户。

4. 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.

5. 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。

6. 发明授权

US08261976B1 ATM transaction authorization based on user location verification 有权
标题翻译：基于用户位置验证的ATM交易授权
公开(公告)号：US08261976B1
公开(公告)日：2012-09-11
申请号：US13136565
申请日：2011-08-04
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： G06F19/60
CPC分类号： G07F19/201 , G06Q20/18 , G06Q20/3224 , G07F19/20 , G07F19/2055 , G07F19/207 , G07G3/003 , H04W4/021
摘要： An automated banking machine transaction request is authorized based on the determined location of an authorized user relative to the machine. Identification of an authorized machine user is linked to a remotely locatable item (e.g., a cell phone) of the authorized user. A machine receiving the user identification causes the location of the cell phone to be determined. A comparison is then made of the cell phone location and the machine location. If the locations correspond, then the current machine user is recognized as the authorized user and machine transactions are permitted. If the locations do not correspond, then the current user is denied transactions at the machine. The security arrangement helps prevent an unauthorized person from using a fraudulent machine card to access a financial account.
摘要翻译：基于授权用户相对于机器的确定位置来授权自动银行机交易请求。授权机器用户的标识被链接到授权用户的可远程定位的项目（例如，蜂窝电话）。接收用户标识的机器导致确定手机的位置。然后比较手机位置和机器位置。如果位置对应，则当前机器用户被识别为授权用户，并允许机器交易。如果位置不对应，则当前用户被拒绝在机器处理。安全安排有助于防止未经授权的人使用欺诈性机器卡访问财务帐户。

7. 发明授权

US08028900B2 Automated banking machine that uses inductance readings to detect unauthorized card reader devices 有权
标题翻译：自动银行机使用电感读数来检测未经授权的读卡器
公开(公告)号：US08028900B2
公开(公告)日：2011-10-04
申请号：US12661579
申请日：2010-03-19
申请人： Natarajan Ramachandran , Jeffery M. Enright , Dale H. Blackson , Edward L. Laskowski , Carole Laskowski, legal representative
发明人： Natarajan Ramachandran , Jeffery M. Enright , Dale H. Blackson , Edward L. Laskowski
IPC分类号： G06K5/00
CPC分类号： G07F19/20 , G06Q20/1085 , G06Q20/18 , G07F19/201 , G07F19/2055 , G07F19/207 , G07F19/211
摘要： A cash dispensing automated banking machine includes a card reader associated with a card slot. An anti-fraud sensing device is able to sense ambient light or generated radiation that passes to the sensing device through the card reader slot. The installation of an unauthorized card reading device on the machine changes at least one property sensed by the sensing device. A controller in the machine receives signals from the sensing device, and determines if an unauthorized card reading device has been installed.
摘要翻译：现金分配自动银行机包括与卡槽相关联的读卡器。反欺诈感测装置能够通过读卡器槽感测环境光或传递到感测装置的辐射。在机器上安装未授权的读卡装置改变感测装置感测到的至少一个属性。机器中的控制器接收来自感测装置的信号，并且确定是否已经安装了未授权的读卡装置。

8. 发明授权

US08028899B2 Automated banking machine that outputs interference signals that jam reading ability of unauthorized card reader devices 有权
标题翻译：自动银行机器输出干扰信号，阻止未经授权的读卡器设备的阅读能力
公开(公告)号：US08028899B2
公开(公告)日：2011-10-04
申请号：US12661499
申请日：2010-03-18
申请人： Natarajan Ramachandran , Jeffery M. Enright , Dale H. Blackson , Edward L. Laskowski , Carole Laskowski, legal representative
发明人： Natarajan Ramachandran , Jeffery M. Enright , Dale H. Blackson , Edward L. Laskowski
IPC分类号： G06K5/00
CPC分类号： G07F19/20 , G06Q20/1085 , G06Q20/18 , G07F19/201 , G07F19/2055 , G07F19/207 , G07F19/211
摘要： A cash dispensing automated banking machine includes a card reader associated with a card slot. An anti-fraud sensing device is able to sense ambient light or generated radiation that passes to the sensing device through the card reader slot. The installation of an unauthorized card reading device on the machine changes at least one property sensed by the sensing device. A controller in the machine receives signals from the sensing device, and determines if an unauthorized card reading device has been installed.
摘要翻译：现金分配自动银行机包括与卡槽相关联的读卡器。防欺诈感测装置能够通过读卡器槽感测环境光或传递到感测装置的辐射。在机器上安装未授权的读卡装置改变感测装置感测到的至少一个属性。机器中的控制器接收来自感测装置的信号，并且确定是否已经安装了未授权的读卡装置。

9. 发明申请

US20110238574A1 Banking system controlled responsive to data bearing records 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代码进行控制
公开(公告)号：US20110238574A1
公开(公告)日：2011-09-29
申请号：US13134128
申请日：2011-05-31
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. 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 , Caren R. Blackson
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。

10. 发明授权

US08002176B2 Automated banking machine operated responsive to data bearing records with improved resistance to fraud 有权
标题翻译：自动银行业务响应数据记录，改善抵制欺诈行为
公开(公告)号：US08002176B2
公开(公告)日：2011-08-23
申请号：US12288333
申请日：2008-10-17
申请人： Randall W. Jenkins , Songtao Ma , Natarajan Ramachandran , Jeffery M. Enright , Dale H. Blackson
发明人： Randall W. Jenkins , Songtao Ma , Natarajan Ramachandran , Jeffery M. Enright , Dale H. Blackson
IPC分类号： G06F17/60
CPC分类号： G07F19/20 , G06Q40/00 , G07F19/2055
摘要： An automated banking machine is controlled responsive to data read from data bearing records. The automated banking machine includes a card reader, a keypad, a cash dispenser, a cash outlet, a deposit accepting opening and other transaction locations that may be susceptible to the installation of fraud devices. An anti-fraud sensing system is operative in the machine to sense the probable installation of unauthorized devices on the machine. Such unauthorized devices may include for example, fraudulent card reading devices, fraudulent keypad input intercepting devices, cash outlet trap devices, deposit input diversion devices or other fraud devices.
摘要翻译：响应于从数据记录读取的数据控制自动银行机。自动银行机包括读卡器，小键盘，自动提款机，现金出口，存款接收开口以及可能易于安装欺诈设备的其他交易位置。防欺诈感测系统在机器中操作以感测未经授权的设备在机器上的可能安装。这种未经授权的设备可以包括例如欺诈性读卡设备，欺诈性键盘输入拦截设备，现金出口陷阱设备，存款输入转移设备或其他欺诈设备。

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