公开(公告)号：US08833646B1

公开(公告)日：2014-09-16

申请号：US12380408

申请日：2009-02-25

Applicant: Tim Crews ,  Natarajan Ramachandran ,  Joseph Hartman ,  Raymond P. Motz ,  Anne E. Bayonnet ,  Klaus Steinbach

Inventor： Tim Crews ,  Natarajan Ramachandran ,  Joseph Hartman ,  Raymond P. Motz ,  Anne E. Bayonnet ,  Klaus Steinbach

IPC: G06K5/00

CPC classification number: G07F19/205 ,  G06F3/0488 ,  G06Q20/1085 ,  G06Q20/20 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/201 ,  G07F19/203

Abstract: A card actuated automated banking machine (10) is operative to early out financial transactions responsive to data included on user cards. The banking machine includes a user interface (15) including a display (24). The user interface includes a card reader (16) which is operative to read data on user cards which identify at least one of user and a user's financial accounts. A fascia of the machine includes a keypad (404, 438, 458) through which users input confidential data. Covers (400, 422, 430) prevent unauthorized persons from viewing confidential inputs to the keypad. Authorization signals assure that the display is operating in a manner that provides appropriate user instructions. A visual indicator is operative to indicate to a user that keypad inputs are being encrypted. Alternatively a touch screen display module (608) is operative to securely receive manual inputs and/or card data.

Abstract translation: 卡启动的自动银行机（10）可操作以响应于包括在用户卡上的数据来提前执行金融交易。 银行机包括包括显示器（24）的用户界面（15）。 用户接口包括读卡器（16），其可用于读取识别用户和用户财务帐户中的至少一个的用户卡上的数据。 机器的面板包括用户输入机密数据的小键盘（404,483,458）。 封面（400,422,430）防止未经授权的人员查看键盘的机密输入。 授权信号确保显示器以提供适当用户指令的方式运行。 视觉指示器用于向用户指示键盘输入正被加密。 或者，触摸屏显示模块（608）可操作以安全地接收手动输入和/或卡数据。

公开(公告)号：US08651371B1

公开(公告)日：2014-02-18

申请号：US12589254

申请日：2009-10-19

Applicant: Mark D. Smith ,  Mark A. Douglass ,  H. Thomas Graef ,  Natarajan Ramachandran ,  J. Richard Hanna ,  Randall W. Jenkins ,  Mark A. DePietro ,  Robert V. Artino ,  Steven R. Davis

Inventor： Mark D. Smith ,  Mark A. Douglass ,  H. Thomas Graef ,  Natarajan Ramachandran ,  J. Richard Hanna ,  Randall W. Jenkins ,  Mark A. DePietro ,  Robert V. Artino ,  Steven R. Davis

IPC: G06Q40/00

CPC classification number: G06Q40/02 ,  G07F19/20 ,  G07F19/203

Abstract: An automated banking machine includes a card reader operative to read data from user cards. Read card data enables an authorized machine user to select between receiving currency bills that include a programmable tracking device or currency bills that do not include a programmable tracking device. The automated banking machine can dispense the form of currency bills that corresponds to the user's selection. Prior to dispensing a currency bill that has a programmable tracking device, the automated banking machine stores information related to the read card data in the currency bill.

Abstract translation: 自动银行机包括读卡器，用于从用户卡读取数据。 读卡数据使得授权的机器用户能够在包括可编程跟踪装置的接收货币单元或不包括可编程跟踪装置的货币单据之间进行选择。 自动银行机器可以分配对应于用户选择的货币单据的形式。 在分配具有可编程跟踪装置的货币单据之前，自动银行机将与读卡数据相关的信息存储在货币单中。

公开(公告)号：US08640946B1

公开(公告)日：2014-02-04

申请号：US13455180

申请日：2012-04-25

Applicant: James Block ,  H. Thomas Graef ,  Paul D. Magee ,  Donald S. Nelson, Jr. ,  James Meek ,  Daniel S. McIntyre ,  Mark DePietro ,  Natarajan Ramachandran

Inventor： James Block ,  H. Thomas Graef ,  Paul D. Magee ,  Donald S. Nelson, Jr. ,  James Meek ,  Daniel S. McIntyre ,  Mark DePietro ,  Natarajan Ramachandran

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

CPC classification number: G06Q20/1085 ,  G06F3/04817 ,  G06F3/04883 ,  G06Q40/00 ,  G07F19/20

Abstract: An automated banking machine allows an authorized user to carry out transactions such as withdrawing cash, making a deposit, cashing a check, and transferring funds between accounts. The machine provides a transaction selection screen through a touch screen display. The transaction selection screen includes a plurality of visually different icons. Each icon represents a different transaction that is available to the current machine user. The user can select a particular transaction by dragging its representative icon with a contacting finger. Upon selection of the particular transaction, a display screen unique to that particular transaction is then provided through the touch screen display.

公开(公告)号：US08544730B2

公开(公告)日：2013-10-01

申请号：US13324288

申请日：2011-12-13

Applicant: 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

Inventor： 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: G06F17/00 ,  G06F1/00 ,  G06Q40/00 ,  G06K5/00

CPC classification number: G07F19/209 ,  G07F19/207

Abstract: 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.

Abstract translation: 自动银行业务响应于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。 该机器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所包含设备的电力供应以避免超过电力供应能力的设备。

公开(公告)号：US08479983B1

公开(公告)日：2013-07-09

申请号：US13608255

申请日：2012-09-10

Applicant: James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson

Inventor： James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson

IPC: G06F19/60

CPC classification number: G07F19/201 ,  G06Q20/18 ,  G06Q20/3224 ,  G07F19/20 ,  G07F19/2055 ,  G07F19/207 ,  G07G3/003 ,  H04W4/021

Abstract: 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.

Abstract translation: 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。

公开(公告)号：US08474707B2

公开(公告)日：2013-07-02

申请号：US13565905

申请日：2012-08-03

Applicant: Natarajan Ramachandran

Inventor： Natarajan Ramachandran

IPC: G06K5/00

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.

公开(公告)号：US08459546B1

公开(公告)日：2013-06-11

申请号：US13479483

申请日：2012-05-24

Applicant: James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson

Inventor： James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson

IPC: G06K19/06

CPC classification number: G07F19/201 ,  G06Q20/18 ,  G06Q20/3224 ,  G07F19/20 ,  G07F19/2055 ,  G07F19/207 ,  G07G3/003 ,  H04W4/021

Abstract: An automated banking machine transaction request is authorized based on a 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 banking 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 banking 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 banking machine. The security arrangement helps prevent an unauthorized person from using a fraudulent card to access a financial account.

Abstract translation: 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）。 接收用户标识的银行业务机构将确定手机的位置。 然后对手机位置和银行机器位置进行比较。 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。 如果这些位置不对应，则当前用户在银行机器上被拒绝交易。 安全安排有助于防止未经授权的人员使用欺诈性卡片访问财务帐户。

公开(公告)号：US08448851B2

公开(公告)日：2013-05-28

申请号：US13589534

申请日：2012-08-20

Applicant: Jay Paul Drummond ,  Mark D. Smith ,  Natarajan Ramachandran

Inventor： Jay Paul Drummond ,  Mark D. Smith ,  Natarajan Ramachandran

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

CPC classification number: G06K7/0004 ,  G06K19/08 ,  G06Q20/341 ,  G07F7/0886 ,  G07F7/1008

Abstract: An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is able to perform at least one banking operation responsive to account indicia read by the card reader from the card. The banking operations include dispensing cash and accessing financial accounts. The card reader may further communicate a component to an automated banking machine component, which is operative to use the component from the card reader to operate the card reader.

Abstract translation: 一种自动银行机系统可以根据从数据记录中读取的数据进行财务转移。 该系统可操作用读卡器读取带有金融卡的帐户标记。 用户能够响应于读卡器从卡读取的帐户标记来执行至少一个银行操作。 银行业务包括发放现金和存取财务账目。 读卡器还可以将组件传送到自动银行机组件，该组件可操作以使用来自读卡器的组件来操作读卡器。

公开(公告)号：US20120312871A1

公开(公告)日：2012-12-13

申请号：US13589534

申请日：2012-08-20

Applicant: Jay Paul Drummond ,  Mark D. Smith ,  Natarajan Ramachandran

Inventor： Jay Paul Drummond ,  Mark D. Smith ,  Natarajan Ramachandran

IPC: G06Q40/02

CPC classification number: G06K7/0004 ,  G06K19/08 ,  G06Q20/341 ,  G07F7/0886 ,  G07F7/1008

Abstract: An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is able to perform at least one banking operation responsive to account indicia read by the card reader from the card. The banking operations include dispensing cash and accessing financial accounts. The card reader may further communicate a component to an automated banking machine component, which is operative to use the component from the card reader to operate the card reader.

Abstract translation: 一种自动银行机系统可以根据从数据记录中读取的数据进行财务转移。 该系统可操作用读卡器读取带有金融卡的帐户标记。 用户能够响应于读卡器从卡读取的帐户标记来执行至少一个银行操作。 银行业务包括发放现金和存取财务账目。 读卡器还可以将组件传送到自动银行机组件，该组件可操作以使用来自读卡器的组件来操作读卡器。

公开(公告)号：US20120305642A1

公开(公告)日：2012-12-06

申请号：US13571785

申请日：2012-08-10

Applicant: Jay Paul Drummond ,  Mark D. Smith ,  Natarajan Ramachandran

Inventor： Jay Paul Drummond ,  Mark D. Smith ,  Natarajan Ramachandran

IPC: G07F19/00

CPC classification number: G06Q20/1085 ,  G06K7/0004 ,  G06K19/08 ,  G06Q20/18 ,  G06Q20/32 ,  G06Q20/3223 ,  G06Q20/327 ,  G06Q20/341 ,  G07F7/0886 ,  G07F7/1008 ,  G07F17/16 ,  G07F19/20 ,  G07F19/203 ,  G07F19/211

Abstract: An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is able to perform at least one banking operation responsive to account indicia read by the card reader from the card. The banking operations include dispensing cash and accessing financial accounts. A user is also able to perform at least one banking operation responsive to financial account data received by the automated banking machine from a mobile phone.

Abstract translation: 一种自动银行机系统可以根据从数据记录中读取的数据进行财务转移。 该系统可操作用读卡器读取带有金融卡的帐户标记。 用户能够响应于读卡器从卡读取的帐户标记来执行至少一个银行操作。 银行业务包括发放现金和存取财务账目。 用户还能够响应于自动银行机从移动电话接收到的金融账户数据执行至少一个银行操作。