公开(公告)号：US08052045B1

公开(公告)日：2011-11-08

申请号：US12589100

申请日：2009-10-16

申请人： Wayne Warren ,  Dale H. Blackson ,  Edward L. Laskowski ,  Tim Crews ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters

发明人： Wayne Warren ,  Dale H. Blackson ,  Edward L. Laskowski ,  Tim Crews ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters

IPC分类号： G07F19/00

CPC分类号： G07F19/202 ,  G07F7/04 ,  G07F7/12 ,  G07F19/20

摘要： An automated banking machine system and method includes automated banking machines that operate responsive to data bearing records and accept checks and dispense cash to users. The automated banking machines are operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash is dispensed to the user from the machine in exchange for the deposited check.

摘要翻译： 自动银行机系统和方法包括自动银行机器，其响应于数据承载记录并接受对用户的支票和分配现金操作。 自动银行机器被操作以从存入的支票中获得图像和磁数据，以确定支票的真实性和用户接收用于这种支票的现金的权限。 从机器向用户分配现金，以换取押金支票。

公开(公告)号：US20110013822A1

公开(公告)日：2011-01-20

申请号：US12807987

申请日：2010-09-16

申请人： James Meek ,  H. Thomas Graef ,  Edward L. Laskowski ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Dale Blackson

发明人： James Meek ,  H. Thomas Graef ,  Edward L. Laskowski ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Dale Blackson

IPC分类号： G06K9/00 ,  G06Q40/00 ,  G07F19/00 ,  G05B19/00

CPC分类号： G07F19/20 ,  B65H3/047 ,  B65H5/006 ,  B65H5/023 ,  B65H5/26 ,  B65H15/00 ,  B65H29/12 ,  B65H29/60 ,  B65H29/70 ,  B65H39/02 ,  B65H2301/3122 ,  B65H2301/42122 ,  B65H2301/4213 ,  B65H2301/42262 ,  B65H2301/4233 ,  B65H2301/4318 ,  B65H2403/942 ,  B65H2404/261 ,  B65H2404/2693 ,  B65H2404/7412 ,  B65H2404/7414 ,  B65H2511/514 ,  B65H2701/18264 ,  B65H2701/18268 ,  B65H2701/1912 ,  B65H2701/1916 ,  B65H2701/1932 ,  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 ,  G07F19/201 ,  G07F19/202 ,  G07F19/203 ,  B65H2220/01 ,  B65H2701/1313

摘要： An automated banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that reads data from user cards corresponding to financial accounts. The machine can communicate with a host computer to cash financial checks. The machine can read check indicia, send check data to the host, receive authorization from the host to cash the check, and dispense cash corresponding to the check. The machine can also produce image data representative of the check indicia and determine whether the image data can be accurately identified within a predetermined level of assurance.

公开(公告)号：US07798398B2

公开(公告)日：2010-09-21

申请号：US12584307

申请日：2009-09-02

申请人： James Meek ,  H. Thomas Graef ,  Edward L. Laskowski ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Dale Blackson

发明人： James Meek ,  H. Thomas Graef ,  Edward L. Laskowski ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Dale Blackson

IPC分类号： G07F19/00

CPC分类号： G07F19/20 ,  B65H3/047 ,  B65H5/006 ,  B65H5/023 ,  B65H5/26 ,  B65H15/00 ,  B65H29/12 ,  B65H29/60 ,  B65H29/70 ,  B65H39/02 ,  B65H2301/3122 ,  B65H2301/42122 ,  B65H2301/4213 ,  B65H2301/42262 ,  B65H2301/4233 ,  B65H2301/4318 ,  B65H2403/942 ,  B65H2404/261 ,  B65H2404/2693 ,  B65H2404/7412 ,  B65H2404/7414 ,  B65H2511/514 ,  B65H2701/18264 ,  B65H2701/18268 ,  B65H2701/1912 ,  B65H2701/1916 ,  B65H2701/1932 ,  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 ,  G07F19/201 ,  G07F19/202 ,  G07F19/203 ,  B65H2220/01 ,  B65H2701/1313

摘要： An automated banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that reads data from user cards corresponding to financial accounts. The machine can communicate with a host computer to cash financial checks. The machine can read check indicia, send check data to the host, receive authorization from the host to cash the check, and dispense cash corresponding to the check. The machine can also produce image data representative of the check indicia and determine whether the data can be accurately identified within a predetermined level of assurance.

摘要翻译： 自动银行业务机构响应于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，用于从对应于财务帐户的用户卡读取数据。 该机器可与主机进行通信以实现财务检查。 机器可以读取检查标记，向主机发送检查数据，从主机接收授权以现金支票，并分配对应支票的现金。 机器还可以产生表示检查标记的图像数据，并且确定在预定的保证水平内是否可以准确地识别数据。

公开(公告)号：US07748612B2

公开(公告)日：2010-07-06

申请号：US11409283

申请日：2006-04-21

申请人： Keith Carpenter ,  Craig Hockman ,  Willis Miller ,  Laura Drozda ,  Paul Burns ,  Thomas B. Phillips ,  John C. Valcore ,  H. Thomas Graef ,  Edward L. Laskowski ,  James Meek ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Greg Miller ,  Arindam Laha ,  Joseph M. Altier

发明人： Keith Carpenter ,  Craig Hockman ,  Willis Miller ,  Laura Drozda ,  Paul Burns ,  Thomas B. Phillips ,  John C. Valcore ,  H. Thomas Graef ,  Edward L. Laskowski ,  James Meek ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Greg Miller ,  Arindam Laha ,  Joseph M. Altier

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

CPC分类号： G07F19/206 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q40/00 ,  G07F19/20

摘要： A cash dispensing 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.

摘要翻译： 现金分配自动银行机（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。

公开(公告)号：US07748611B2

公开(公告)日：2010-07-06

申请号：US11408423

申请日：2006-04-21

申请人： Keith Carpenter ,  Craig Hockman ,  Willis Miller ,  Laura Drozda ,  Paul Burns ,  Thomas B. Phillips ,  John C. Valcore ,  H. Thomas Graef ,  Edward L. Laskowski ,  James Meek ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Greg Miller ,  Arindam Laha ,  Joseph M. Altier

发明人： Keith Carpenter ,  Craig Hockman ,  Willis Miller ,  Laura Drozda ,  Paul Burns ,  Thomas B. Phillips ,  John C. Valcore ,  H. Thomas Graef ,  Edward L. Laskowski ,  James Meek ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Greg Miller ,  Arindam Laha ,  Joseph M. Altier

IPC分类号： G07F19/00

CPC分类号： G07F19/206 ,  G07F19/20

摘要： A cash dispensing 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.

公开(公告)号：US07631802B1

公开(公告)日：2009-12-15

申请号：US12288563

申请日：2008-10-20

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： G07F19/00

CPC分类号： G07F19/202 ,  G07F19/20

摘要： A banking system controlled responsive to data bearing records includes a card reader that reads identifying data from a user card. The banking system authorizes operation of an automated banking machine responsive to computer verification of the identifying data. The banking machine can dispense cash to an authorized machine user in a cash dispensing transaction, and have the user's bank account charged for the cash amount dispensed. The banking machine is also operative to accept checks and acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user from the machine in exchange for the deposited checks.

摘要翻译： 响应于数据承载记录控制的银行系统包括从用户卡读取识别数据的读卡器。 银行系统授权自动银行机的操作，以响应于识别数据的计算机验证。 银行机器可以在现金分发交易中向授权的机器用户分配现金，并且为用户的银行帐户收取分配的现金金额。 银行机器还可以接受支票并从存入的支票中获取图像和磁性数据，以确定支票的真实性和用户接收现金用于此类支票的权限。 可以从机器向用户分配现金，以换取保留的支票。

公开(公告)号：US07469824B1

公开(公告)日：2008-12-30

申请号：US11168027

申请日：2005-06-27

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： G06Q40/00

CPC分类号： G06Q20/042 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/108 ,  G06Q20/1085 ,  G07F7/04 ,  G07F19/20 ,  G07F19/203

摘要： An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user from the ATM in exchange for the deposited checks.

公开(公告)号：US07419093B1

公开(公告)日：2008-09-02

申请号：US11728882

申请日：2007-03-27

申请人： Dale H. Blackson ,  Edward L. Laskowski ,  Tim Crews ,  Wayne Warren ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters

发明人： Dale H. Blackson ,  Edward L. Laskowski ,  Tim Crews ,  Wayne Warren ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters

IPC分类号： G07F19/00

CPC分类号： G06Q20/042 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q40/00 ,  G07F19/20

摘要： An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash is dispensed to the user from the ATM in exchange for the deposited check.

摘要翻译： 自动银行机系统和方法包括接收对用户的支票和现金的ATM。 操作ATM以从存放的检查中获得图像和磁性数据，以确定检查的真实性和用户接收用于这种检查的现金的权限。 现金从ATM中分配给用户，以换取押金支票。

公开(公告)号：US07140539B1

公开(公告)日：2006-11-28

申请号：US11168028

申请日：2005-06-27

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： G06F17/00 ,  G07F19/00

CPC分类号： G07F19/202 ,  G06Q20/042 ,  G07F19/20

摘要： An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user from the ATM in exchange for the deposited checks.

公开(公告)号：US07137551B1

公开(公告)日：2006-11-21

申请号：US11168077

申请日：2005-06-27

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： G07F19/00

CPC分类号： G07F19/202 ,  G06Q20/042 ,  G06Q20/40 ,  G07F19/20 ,  G07F19/203

摘要： An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user from the ATM in exchange for the deposited checks.

摘要翻译： 自动银行机系统和方法包括接收对用户的支票和现金的ATM。 操作ATM以从存放的检查中获得图像和磁性数据，以确定检查的真实性和用户接收用于这种检查的现金的权限。 现金可以从ATM分配给用户，以换取已存的支票。