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    Banking System Controlled Responsive to Data Bearing Records
    11.
    发明申请
    Banking System Controlled Responsive to Data Bearing Records 有权
    受控于数据轴承记录的银行系统

    公开(公告)号：US20120292389A1

    公开(公告)日：2012-11-22

    申请号：US13565905

    申请日：2012-08-03

    Applicant: Natarajan Ramachandran

    Inventor： Natarajan Ramachandran

    IPC: G07F19/00

    CPC classification number: G06Q20/32 ,  G06Q20/042 ,  G06Q20/3276 ,  G06Q30/06 ,  G06Q40/02

    Abstract: A banking system operates to allocate funds in accounts in response to data bearing records in the form of paper financial checks. A mobile phone has a camera and a programmable memory. The memory stores phone user data, including a bank account number and an electronic signature. The camera can be used to capture an image of a paper check which has the phone user as the payee. The phone can wirelessly transmit the account number, the electronic signature, and the check image to a bank deposit system. The system can store the check image and the electronic signature in correlated relation in a deposit transaction record. The system can cause the phone user's bank account to be credited a cash value corresponding to the check value. Confirmation of the check deposit can be transmitted to the user's phone.

    Abstract translation: 银行系统运作，以纸质财务检查的形式，在帐户中分配资金以回应数据记录。 手机具有相机和可编程存储器。 存储器存储电话用户数据，包括银行帐号和电子签名。 相机可以用于拍摄具有电话用户作为收款人的纸张检查的图像。 手机可以将账号，电子签名和支票图像无线传输到银行存款系统。 该系统可以将存储交易记录中的支票图像和电子签名存储在相关关系中。 该系统可以使电话用户的银行帐户被记入与支票价值对应的现金值。 支票存款的确认可以发送到用户手机。

    Banking Machine Controlled Responsive to Data Read from Data Bearing Records
    12.
    发明申请
    Banking Machine Controlled Responsive to Data Read from Data Bearing Records 有权
    受控于数据记录数据读取的银行机器受控

    公开(公告)号：US20120223134A1

    公开(公告)日：2012-09-06

    申请号：US13443230

    申请日：2012-04-10

    Applicant: Mark D. Smith ,  Natarajan Ramachandran ,  James Block ,  Jeffery M. Enright

    Inventor： Mark D. Smith ,  Natarajan Ramachandran ,  James Block ,  Jeffery M. Enright

    IPC: G06Q40/02 ,  G07F19/00

    CPC classification number: G06Q20/3223 ,  G06K9/00442 ,  G06K9/18 ,  G06Q20/042 ,  G06Q20/1085 ,  G06Q20/3221 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q40/00 ,  G07F7/04 ,  G07F19/20 ,  G07F19/201 ,  G07F19/203 ,  G07F19/211

    Abstract: A banking system comprises automated banking machines which include a card reader, check imaging device, and cash dispenser. Each system machine can cash a code-correlated check in exchange for receiving both the check and the code assigned to the check, without requiring any user identifying input through the machine's user input devices as a condition for cashing the check. The system allows a potential recipient of a personal check to call in a given code to a system computer, which can verify whether the check is backed by funds reserved for the check amount and whether the check can be anonymously cashed. From the call the system computer can obtain the mobile phone's GPS location to determine the system machine nearest to the phone. When informing the phone user that a check is as good as cash, the system computer can also provide directions to that nearest system machine.

    Abstract translation: 银行系统包括自动银行机器，其包括读卡器，检查成像设备和自动提款机。 每个系统机器可以兑现代码相关检查，以便接收检查和分配给检查的代码，而不需要任何用户通过机器的用户输入设备识别输入作为兑现支票的条件。 该系统允许个人支票的潜在收件人以给定的代码呼叫系统计算机，该系统计算机可以验证支票是否支持用于支票金额的资金以及支票是否可以匿名兑现。 从呼叫系统电脑可以获取手机的GPS位置，以确定最接近手机的系统机器。 当通知电话用户支票与现金一样好时，系统计算机还可以向最近的系统机器提供指示。

    Automated banking machine with noncontact reading of card data
    13.
    发明授权
    Automated banking machine with noncontact reading of card data 有权
    自动银行机器，非接触式读卡数据

    公开(公告)号：US08245914B1

    公开(公告)日：2012-08-21

    申请号：US13066404

    申请日：2011-04-14

    Applicant: Natarajan Ramachandran ,  Mark A. Douglass

    Inventor： Natarajan Ramachandran ,  Mark A. Douglass

    IPC: G06Q40/00 ,  G07D11/00 ,  G07F19/00

    CPC classification number: G06K7/0004 ,  G06Q20/32 ,  G06Q20/3274 ,  G06Q20/352 ,  G06Q20/385 ,  G07F7/10 ,  G07F7/1075 ,  G07F19/20 ,  G07F19/205 ,  G07F19/207

    Abstract: An automated banking machine operates responsive to data read from data bearing records. The data corresponds to user card data received from a cell phone. The machine generates and displays a random number correlated with a time period. The machine user inputs the displayed random number into their phone. A software application in the phone encrypts the selected card data along with the inputted random number. The phone then displays a bar code image containing the encrypted data. The machine includes a bar code reader to read the displayed image. The machine can decrypt the random number and the card data from the read image. The random number is used to verify the current banking transaction session. The process replaces physical insertion of a card yet allows secure input of card data.

    Abstract translation: 自动银行业务机构响应于从数据记录中读取的数据。 数据对应于从手机接收的用户卡数据。 机器生成并显示与时间段相关的随机数。 机器用户将显示的随机数输入他们的手机。 电话中的软件应用程序与输入的随机数一起加密所选择的卡片数据。 然后，手机显示包含加密数据的条形码图像。 该机器包括读取显示图像的条形码阅读器。 机器可以从读取的图像中解密随机数和卡数据。 随机数用于验证当前银行交易会话。 该过程取代了卡的物理插入，但允许卡数据的安全输入。

    Automated banking machine and system that operates to cause financial transfers responsive to data read from data bearing records
    15.
    发明授权
    Automated banking machine and system that operates to cause financial transfers responsive to data read from data bearing records 有权
    自动银行机器和系统，用于响应于从数据记录中读取的数据进行财务转移

    公开(公告)号：US08172134B1

    公开(公告)日：2012-05-08

    申请号：US13068890

    申请日：2011-05-23

    Applicant: Natarajan Ramachandran ,  Jeffrey A. Hill ,  James Booth ,  Pedro Tula ,  Paul Mercina

    Inventor： Natarajan Ramachandran ,  Jeffrey A. Hill ,  James Booth ,  Pedro Tula ,  Paul Mercina

    IPC: G07F19/00

    CPC classification number: G07F19/207 ,  G07F19/20

    Abstract: An automatic banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that reads data corresponding to financial accounts from user cards, and carries out transactions related to the accounts. The machine includes a camera, a microphone, and the card reader at a customer interface located at the front of the machine. A servicer display device is at a servicer interface located at the rear of the machine. The customer interface and servicer interface can be placed in audio/visual communication. Although a front servicer may not be directly visible to a rear servicer, they are still able to communicate with each other through the customer interface and servicer interface during machine servicing. The servicer interface can also be used to allow a lone servicer to be audibly/visually alerted to a potential customer approaching the machine.

    Abstract translation: 自动银行业务响应于从数据记录中读取的数据来进行资金转移。 该机器包括读卡器，用于从用户卡读取对应于财务帐户的数据，并执行与该账户有关的交易。 该机器在位于机器前部的客户接口处包括相机，麦克风和读卡器。 服务器显示设备位于位于机器后部的服务器接口。 客户接口和服务器接口可以放置在音频/视频通信中。 虽然后勤服务人员可能无法直接看到前部服务人员，但是在机器维修期间，他们仍然可以通过客户界面和服务器界面进行通信。 服务器接口还可用于允许单个服务器对接近机器的潜在客户进行可视地/视觉上的警报。

    Automated banking machine with noncontact reading of card data
    17.
    发明授权
    Automated banking machine with noncontact reading of card data 有权
    自动银行机器，非接触式读卡数据

    公开(公告)号：US08146802B1

    公开(公告)日：2012-04-03

    申请号：US12075332

    申请日：2008-03-11

    Applicant: Natarajan Ramachandran ,  Mark A. Douglass

    Inventor： Natarajan Ramachandran ,  Mark A. Douglass

    IPC: G06Q40/00 ,  G07D11/00 ,  G07F19/00

    CPC classification number: G06K7/0004 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/1085 ,  G06Q20/32 ,  G06Q20/3227 ,  G06Q20/3274 ,  G06Q20/352 ,  G06Q20/385 ,  G06Q30/0237 ,  G06Q30/04 ,  G07F7/10 ,  G07F7/1075 ,  G07F19/20 ,  G07F19/205

    Abstract: An automated banking machine can receive user card data from a cell phone. The phone stores the card data of several selectable cards, including electronic account number data. The machine generates and displays a random number correlated with a time period. A machine user manually inputs the displayed random number into their phone. A software application in the phone encrypts the selected card data along with the inputted random number data. The phone displays a bar code image containing the encrypted data. The banking machine includes a bar code reader which can read the displayed image. The machine causes the read data to be decrypted. The random number is used to verify the current transaction session. Thereafter, the user may provide other inputs, including PIN input. The process replaces physical insertion of a card yet allows secure input of the card data. Possible data interception from activities requiring card insertion are also reduced.

    Abstract translation: 自动银行机可以从手机接收用户卡数据。 手机存储几张可选卡的卡片数据，包括电子帐号数据。 机器生成并显示与时间段相关的随机数。 机器用户手动将显示的随机数输入到他们的手机中。 电话中的软件应用程序与输入的随机数字数据一起加密所选择的卡片数据。 手机显示包含加密数据的条形码图像。 银行机包括可读取显示图像的条形码读取器。 该机器使读取的数据被解密。 随机数用于验证当前事务会话。 此后，用户可以提供其他输入，包括PIN输入。 该过程取代了卡的物理插入，但允许卡数据的安全输入。 也可以减少需要卡插入的活动的可能的数据拦截。

    Automated banking machine operated responsive to data bearing records with improved resistance to fraud
    19.
    发明申请
    Automated banking machine operated responsive to data bearing records with improved resistance to fraud 有权
    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：US20110303745A1

    公开(公告)日：2011-12-15

    申请号：US13199106

    申请日：2011-08-19

    Applicant: Randall Jenkins ,  Songtao Ma ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson

    Inventor： Randall Jenkins ,  Songtao Ma ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson

    IPC: G07F19/00

    CPC classification number: G07F19/20 ,  G06Q40/00 ,  G07F19/2055

    Abstract: 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, and deposit input diversion devices.

    Abstract translation: 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地点。 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，欺诈键盘输入拦截设备，现金出口陷阱设备和存款输入转移设备。

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