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公开(公告)号：US09830581B2
公开(公告)日：2017-11-28
申请号：US15366290
申请日：2016-12-01
发明人： James Block , H. Thomas Graef , Paul D. Magee , Donald S. Nelson, Jr. , James Meek , Daniel S. McIntyre , Mark A. Depietro , Natarajan Ramachandran
CPC分类号： G06Q20/1085 , G06Q20/042 , G06Q20/409 , G07F19/20 , G07F19/202
摘要： An automated banking machine is operated at least in part to data read from data bearing records. The machine is operative to carry out a financial transfer responsive at least in part to a determination that data read through a card reader of the machine corresponds to a financial account that is authorized to conduct a transaction through operation of the machine. The machine also includes a check acceptor operative to receive checks from machine users. The check acceptor is operative image checks and data resolved from check images is used in operation of the machine to cause financial transfers.
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2.发明授权公开(公告)号：US09640040B2
公开(公告)日：2017-05-02
申请号：US13963529
申请日：2013-08-09
发明人： Sathish M. Irudayam , Nicholas Schott , Willis Miller , Matthew R. Zaugg , James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffrey M. Enright , Mark A. Douglass
CPC分类号： G07F19/202 , G06Q20/042 , G06Q20/1085 , G06Q20/32 , G06Q20/3223 , G06Q20/40 , G06Q20/401 , G06Q20/4016 , G06Q20/425 , G07F19/00
摘要： An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data corresponding to financial accounts from user cards. The card data is linked in at least one data store to data indicating that the card data corresponds to a financial account that is authorized to be used to conduct at least one transaction through use of the automated banking machine. The automated banking machine may be used to carry out financial transfers involving financial accounts by users who are determined to be authorized users of such accounts. Data corresponding to a financial account can also be linked to a mobile wireless device so as to enable financial transfers by authorized users of such accounts.
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3.发明申请公开(公告)号：US20160191197A1
公开(公告)日：2016-06-30
申请号：US14955712
申请日：2015-12-01
发明人： Gregory S. Ray , David N. Lewis , Randall Jenkins , James Block , Songtao Ma , Natarajan Ramachandran , Jeffery Enright , James E. Pettitt
IPC分类号： H04K3/00
摘要： A banking system is controlled responsive to data read from data bearing records. The system comprises an automated banking machine. The machine includes at least one type of data reader, which includes a card reader. The machine also includes an anti-fraud arrangement that can deter effective operation of unauthorized devices attached to the machine. Such unauthorized devices may include a fraudulent card reader placed adjacent to a card entry slot that leads to the card reader. The arrangement can sense a fraudulent card reader installed on the machine. The arrangement can additionally emit jamming signals that interfere with an ability of a sensed fraudulent card reader to accurately read card data.
摘要翻译： 响应于从数据记录读取的数据来控制银行系统。 该系统包括自动银行机。 该机器包括至少一种类型的数据读取器，其包括读卡器。 该机器还包括可以阻止附着在机器上的未经授权的设备的有效操作的反欺诈安排。 这种未经授权的设备可以包括与通向读卡器的卡入口槽相邻放置的欺诈读卡器。 该装置可以感测安装在机器上的欺诈读卡器。 该装置还可以发出妨碍感测到的欺诈读卡器精确读取卡片数据的能力的干扰信号。
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公开(公告)号：US09355530B1
公开(公告)日：2016-05-31
申请号：US13793070
申请日：2013-03-11
发明人： James Block , H Thomas Graef , Paul D Magee , Donald S Nelson, Jr. , James Meek , Daniel S McIntyre , Mark DePietro , Natarajan Ramachandran
CPC分类号： G07F19/201 , G06Q20/1085 , G06Q20/405 , G07F19/203 , G07F19/207
摘要： In an example embodiment, an automated banking machine operable to perform cash withdrawals. If a withdrawal is below a threshold, authorization is obtained from a first transaction authorization computer. If a withdrawal is greater than or equal to the threshold, a first portion of the cash is dispensed responsive to authorization from a first transaction authorization computer and a second portion of the cash amount is dispensed responsive to authorization from a second transaction authorization computer.
摘要翻译： 在示例性实施例中，可操作以执行现金提取的自动银行机。 如果提款低于阈值，则从第一个交易授权计算机获得授权。 如果提款大于或等于阈值，则响应于来自第一交易授权计算机的授权分配现金的第一部分，并且响应于来自第二交易授权计算机的授权分配现金金额的第二部分。
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公开(公告)号：US20160125375A1
公开(公告)日：2016-05-05
申请号：US14993853
申请日：2016-01-12
发明人： Paul D. Magee , James Block , Randall W. Jenkins , Tim Crews , Michael J. Harty , Richard C. Lute , Klaus Steinbach , Natarajan Ramachandran , Songtao Ma , Sathish Irudayam , Robert Konecny , James D. Atkinson
IPC分类号： G06Q20/10 , G09G5/14 , G06F3/0488 , G06F3/02 , G06F3/14 , G09G5/12 , G06F3/0482 , G06F3/0484 , G06F3/0481 , G06Q20/40 , G06F3/16
CPC分类号： G06Q20/1085 , G06F3/02 , G06F3/04812 , G06F3/0482 , G06F3/04842 , G06F3/04845 , G06F3/04883 , G06F3/14 , G06F3/16 , G06Q20/401 , G07F19/201 , G09G5/12 , G09G5/14 , G09G2370/16
摘要： An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and a display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. Machine instructions are output and user transaction inputs can be received through either a primary or an auxiliary touch screen display.
摘要翻译： 响应于从数据承载记录读取的数据而进行财务转移的装置包括至少一个与读卡器，支票接收器，自动取款机和显示器操作连接的处理器。 所述至少一个处理器使得所述机器操作以从用户卡读取卡数据，并且确定所读取的卡数据对应于授权的财务帐户。 所述至少一个处理器可操作以从要分发的支票和/或现金读取数据，以及从其账户对应的财务转账。 输出机器指令，可以通过主触摸屏或辅助触摸屏显示器接收用户交易输入。
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公开(公告)号：US09235967B1
公开(公告)日：2016-01-12
申请号：US13687023
申请日：2012-11-28
发明人： Paul D Magee , James Block , Randall W Jenkins , Tim Crews , Michael J Harty , Richard C Lute , Klaus Steinbach , Natarajan Ramachandran , Songtao Ma , Sathish Irudayam , Robert Konecny , James D Atkinson
CPC分类号： G06Q20/1085 , G06F3/02 , G06F3/04812 , G06F3/0482 , G06F3/04842 , G06F3/04845 , G06F3/04883 , G06F3/14 , G06F3/16 , G06Q20/401 , G07F19/201 , G09G5/12 , G09G5/14 , G09G2370/16
摘要： An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and a display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. Machine instructions are output and user transaction inputs can be received through either a primary or an auxiliary touch screen display.
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公开(公告)号：US09911104B2
公开(公告)日：2018-03-06
申请号：US14993853
申请日：2016-01-12
发明人： Paul D. Magee , James Block , Randall W. Jenkins , Tim Crews , Michael J. Harty , Richard C. Lute , Klaus Steinbach , Natarajan Ramachandran , Songtao Ma , Sathish Irudayam , Robert Konecny , James D. Atkinson
IPC分类号： G06Q20/10 , G07F19/00 , G06F3/02 , G06F3/0481 , G06F3/0482 , G06F3/0484 , G06F3/0488 , G06F3/14 , G06F3/16 , G06Q20/40 , G09G5/12 , G09G5/14
CPC分类号： G06Q20/1085 , G06F3/02 , G06F3/04812 , G06F3/0482 , G06F3/04842 , G06F3/04845 , G06F3/04883 , G06F3/14 , G06F3/16 , G06Q20/401 , G07F19/201 , G09G5/12 , G09G5/14 , G09G2370/16
摘要： An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and a display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. Machine instructions are output and user transaction inputs can be received through either a primary or an auxiliary touch screen display.
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公开(公告)号：US20170098205A1
公开(公告)日：2017-04-06
申请号：US15366290
申请日：2016-12-01
发明人： James Block , H. Thomas GRAEF , Paul D. Magee , Donald S. Nelson, JR. , James Meek , Daniel S. McINTYRE , Mark A. DEPIETRO , Natarajan Ramachandran
CPC分类号： G06Q20/1085 , G06Q20/042 , G06Q20/409 , G07F19/20 , G07F19/202
摘要： An automated banking machine is operated at least in part to data read from data bearing records. The machine is operative to carry out a financial transfer responsive at least in part to a determination that data read through a card reader of the machine corresponds to a financial account that is authorized to conduct a transaction through operation of the machine. The machine also includes a check acceptor operative to receive checks from machine users. The check acceptor is operative image checks and data resolved from check images is used in operation of the machine to cause financial transfers.
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9.发明授权Automated banking machine that outputs interference signals to jam reading ability of unauthorized card reader devices 有权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：US09203548B2
公开(公告)日：2015-12-01
申请号：US14092676
申请日：2013-11-27
发明人： Gregory S. Ray , David N. Lewis , Randall Jenkins , James Block , Songtao Ma , Natarajan Ramachandran , Jeffery Enright , James E. Pettitt
摘要： A banking system is controlled responsive to data read from data bearing records. The system comprises an automated banking machine. The machine includes at least one type of data reader, which includes a card reader. The machine also includes an anti-fraud arrangement that can deter effective operation of unauthorized devices attached to the machine. Such unauthorized devices may include a fraudulent card reader placed adjacent to a card entry slot that leads to the card reader. The arrangement can sense a fraudulent card reader installed on the machine. The arrangement can additionally emit jamming signals that interfere with an ability of a sensed fraudulent card reader to accurately read card data.
摘要翻译： 响应于从数据记录读取的数据来控制银行系统。 该系统包括自动银行机。 该机器包括至少一种类型的数据读取器，其包括读卡器。 该机器还包括可以阻止附着在机器上的未授权设备的有效操作的反欺诈安排。 这种未经授权的设备可以包括与通向读卡器的卡入口槽相邻放置的欺诈读卡器。 该装置可以感测安装在机器上的欺诈读卡器。 该装置还可以发出妨碍感测到的欺诈读卡器精确读取卡片数据的能力的干扰信号。
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10.发明授权Automated banking machine that employs a virtual person for assisting customers 有权自动银行机器，雇佣虚拟人员来协助客户公开(公告)号：US09098961B1
公开(公告)日：2015-08-04
申请号：US13714617
申请日：2012-12-14
发明人： James Block , H Thomas Graef , Paul D Magee , Donald S Nelson, Jr. , James Meek , Daniel S McIntyre , Mark DePietro , Natarajan Ramachandran
CPC分类号： G07F19/201 , G07F19/206
摘要： In an example embodiment, an automated banking machine that includes a computer, a camera, a display and an audio output device and is operative to cause visual outputs through the display and audio outputs through the audio output device, which correspond to a simulated person. The camera is in operative connection with the computer, and provides camera data to the computer. The computer is responsive at least in part to the camera data to cause eyes of the output simulated person to be directed toward the eyes of the machine user.
摘要翻译： 在一个示例性实施例中，一种包括计算机，照相机，显示器和音频输出设备的自动银行机器，其操作是通过与模拟人物对应的音频输出设备通过显示器和音频输出引起视觉输出。 相机与计算机可操作连接，并将相机数据提供给计算机。 计算机至少部分地响应于相机数据，以使输出模拟人的眼睛朝向机器用户的眼睛。
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