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1. 发明申请

US20100102119A1 AUTOMATED DOCUMENT CASHING SYSTEM 有权
标题翻译：自动文件挂起系统
公开(公告)号：US20100102119A1
公开(公告)日：2010-04-29
申请号：US12651425
申请日：2009-12-31
申请人： Robin Haley GUSTIN , Troy W. Livingston , Namsoo Park , Nabil Shekoory
发明人： Robin Haley GUSTIN , Troy W. Livingston , Namsoo Park , Nabil Shekoory
IPC分类号： G06Q40/00 , G06K5/00
CPC分类号： G06Q20/042 , G06F3/048 , G06K9/00442 , G06K9/4604 , G06K9/6202 , G06Q20/10 , G06Q20/102 , G06Q20/1085
摘要： Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies the user. Validation of the document involves one or more of: validating the presence of a signature; validating the amount of the monetary transaction document including a manual entry of the amount by the user; validating CAR against the LAR; and validating the banking system parameters and rules for the customer and/or the transaction. To assist in the automatic analysis of data on monetary transactional documents or on remittance documents, the user is prompted to provide a bounding box about the data. An image touch screen may be touched by the user to locate the bounding box and the user may magnify the data to fill the boundary box to exclude other data from analysis. After document and person validation, the system will dispense money or transfer monies to a savings account, a checking account, a smart card, or the like. The system will also write money orders or wire transfer money.
摘要翻译：通过使用与识别用户的智能相关联的卡来执行用户身份的验证。文件的验证涉及一个或多个：验证签名的存在; 验证货币交易文件的数量，包括用户手动输入金额; 验证针对LAR的CAR; 并验证客户和/或交易的银行系统参数和规则。为了帮助自动分析货币交易文件或汇款凭证的数据，提示用户提供有关数据的边界框。用户可以触摸图像触摸屏以定位边界框，并且用户可以放大数据以填充边界框以从分析中排除其他数据。在文件和人员验证之后，系统将向存款帐户，支票账户，智能卡等分配资金或转帐。系统还将汇款或电汇。

2. 发明申请

US20090266879A1 AUTOMATED BANKING SYSTEM FOR DISPENSING MONEY ORDERS, WIRE TRANSFER AND BILL PAYMENT 审中-公开
标题翻译：用于分配货币单位的自动化银行系统，电汇和付款
公开(公告)号：US20090266879A1
公开(公告)日：2009-10-29
申请号：US12498359
申请日：2009-07-06
申请人： Robin Haley GUSTIN , Troy W. Livingston , Namsoo Park
发明人： Robin Haley GUSTIN , Troy W. Livingston , Namsoo Park
IPC分类号： G06Q40/00
CPC分类号： G07F19/203 , G06Q20/04 , G06Q20/045 , G06Q20/10 , G06Q20/1085 , G06Q20/14 , G06Q20/18 , G06Q20/341 , G06Q20/40 , G06Q20/4014 , G06Q30/06 , G07F7/04 , G07F7/1008 , G07F19/20 , G07F19/202 , G07F19/209 , G07F19/21
摘要： A method and apparatus are provided for conducting transactions through a financial network using a document such as a check or money order at an unattended automated machine. For security purposes a signature detector detects the signature and the user uses a card to operate the machine. A reader reads the amount on the document; and, for a check, the LAR and CAR amounts are compared. If the document is a money order, the user may be prompted to endorse the money order if the signature detector fails to detect a signature. A card writer writes an amount on the card related to the amount of the transaction being done and a calculator calculates the amount to be written on the card and subtracts a user's service charge. A bill may be paid and a receipt generator will provide a receipt preferably showing payment of the bill and the service charge. If the check or money order is for an amount greater than the bill and service charge amounts, the card writer may write the difference on the card. A portion of the check or money order may also be deposited in the user's account. A cash acceptor in the machine accepts cash and a cash dispenser may dispense cash.
摘要翻译：提供了一种用于通过金融网络在无人值守的自动机器上使用诸如支票或汇票的文档进行交易的方法和装置。为了安全起见，签名检测器检测签名，并且用户使用卡来操作机器。读者阅读文件上的金额; 对于支票，LAR和CAR金额进行比较。如果文件是汇票，则如果签名检测器检测不到签名，则可以提示用户批准汇票。卡片写入者在与所完成的交易量相关的卡片上写入金额，并且计算器计算要写在卡片上的金额并减去用户的服务费用。可以支付账单，并且收据发生器将提供收据，优选地显示账单的支付和服务费用。如果支票或汇票的金额大于帐单和服务费用金额，则卡片写入者可以在卡上写入差价。支票或汇票的一部分也可能存入用户账户。机器中的现金接受者接受现金，自动柜员机可以分配现金。

3. 发明申请

US20130062406A1 AUTOMATED DOCUMENT CASHING SYSTEM 有权
标题翻译：自动文件挂起系统
公开(公告)号：US20130062406A1
公开(公告)日：2013-03-14
申请号：US13669780
申请日：2012-11-06
申请人： Robin Haley GUSTIN , Troy W. LIVINGSTON , Namsoo PARK , Nabil SHEKOORY
发明人： Robin Haley GUSTIN , Troy W. LIVINGSTON , Namsoo PARK , Nabil SHEKOORY
IPC分类号： G07F19/00
CPC分类号： G06Q20/042 , G06F3/048 , G06K9/00442 , G06K9/4604 , G06K9/6202 , G06Q20/10 , G06Q20/102 , G06Q20/1085
摘要： Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies the user. Validation of the document involves one or more of: validating the presence of a signature; validating the amount of the monetary transaction document including a manual entry of the amount by the user; validating CAR against the LAR; and validating the banking system parameters and rules for the customer and/or the transaction. To assist in the automatic analysis of data on monetary transactional documents or on remittance documents, the user is prompted to provide a bounding box about the data. An image touch screen may be touched by the user to locate the bounding box and the user may magnify the data to fill the boundary box to exclude other data from analysis. After document and person validation, the system will dispense money or transfer monies to a savings account, a checking account, a smart card, or the like. The system will also write money orders or wire transfer money.
摘要翻译：通过使用与识别用户的智能相关联的卡来执行用户身份的验证。该文件的验证涉及一个或多个：验证签名的存在; 验证货币交易凭证的数量，包括用户手动输入金额; 验证针对LAR的CAR; 并验证客户和/或交易的银行系统参数和规则。为了帮助自动分析货币交易文件或汇款凭证的数据，提示用户提供有关数据的边界框。用户可以触摸图像触摸屏以定位边界框，并且用户可以放大数据以填充边界框以从分析中排除其他数据。在文件和人员验证之后，系统将向存款帐户，支票账户，智能卡等分配资金或转帐。系统还将汇款或电汇。

4. 发明申请

US20090266880A1 AUTOMATED BANKING SYSTEM FOR DISPENSING MONEY ORDERS, WIRE TRANSFER AND BILL PAYMENT 审中-公开
公开(公告)号：US20090266880A1
公开(公告)日：2009-10-29
申请号：US12498362
申请日：2009-07-06
申请人： Robin Haley GUSTIN , Troy W. Livingston , Namsoo Park
发明人： Robin Haley GUSTIN , Troy W. Livingston , Namsoo Park
IPC分类号： G06Q40/00
CPC分类号： G07F19/203 , G06Q20/04 , G06Q20/045 , G06Q20/10 , G06Q20/1085 , G06Q20/14 , G06Q20/18 , G06Q20/341 , G06Q20/40 , G06Q20/4014 , G06Q30/06 , G07F7/04 , G07F7/1008 , G07F19/20 , G07F19/202 , G07F19/209 , G07F19/21
摘要： A method and apparatus are provided for conducting transactions through a financial network using a document such as a check or money order at an unattended automated machine. For security purposes a signature detector detects the signature and the user uses a card to operate the machine. A reader reads the amount on the document; and, for a check, the LAR and CAR amounts are compared. If the document is a money order, the user may be prompted to endorse the money order if the signature detector fails to detect a signature. A card writer writes an amount on the card related to the amount of the transaction being done and a calculator calculates the amount to be written on the card and subtracts a user's service charge. A bill may be paid and a receipt generator will provide a receipt preferably showing payment of the bill and the service charge. If the check or money order is for an amount greater than the bill and service charge amounts, the card writer may write the difference on the card. A portion of the check or money order may also be deposited in the user's account. A cash acceptor in the machine accepts cash and a cash dispenser may dispense cash.

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