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91.发明授权公开(公告)号：US08011572B2
公开(公告)日：2011-09-06
申请号：US12288788
申请日：2008-10-23
申请人： Natarajan Ramachandran , Mark Owens , Mark D. Smith , Sean Haney , Andrew Junkins , Matthew Force , H. Thomas Graef , Elizabeth M. Herrera , Robert G. Miller , Roy Mleziva , Jeffrey A. Hill
发明人： Natarajan Ramachandran , Mark Owens , Mark D. Smith , Sean Haney , Andrew Junkins , Matthew Force , H. Thomas Graef , Elizabeth M. Herrera , Robert G. Miller , Roy Mleziva , Jeffrey A. Hill
IPC分类号： G06Q40/00 , G06Q20/00 , G07D11/00 , G07F19/00 , G06K5/00 , G06K7/00 , G06K7/08 , G06K19/00 , G06F7/08
CPC分类号： G07F19/203 , G06Q20/10 , G06Q20/1085 , G06Q20/3674 , G06Q20/40 , G06Q20/4014 , G06Q20/40145 , G06Q30/0609 , G07C9/00158 , G07C2011/02 , G07F19/20 , G07F19/201
摘要： A cash dispensing banking transaction machine that operates responsive to data bearing records includes a card reader that reads identifying data from a user card. The machine dispenses cash from a cash dispenser for a financial account without causing the card reader device to read data from a card corresponding to the financial account, when a determination indicates that a voice of the user included in an audio input signal to audio input device corresponds to a particular recognized user stored in a data store in correlated relation with the financial account.
摘要翻译： 响应于数据承载记录操作的现金分配银行交易机器包括从用户卡读取识别数据的读卡器。 当确定指示包括在音频输入信号中的用户的声音到音频输入设备时，该机器从用于金融帐户的自动提款机分配现金，而不会导致读卡器设备从对应于该金融帐户的卡读取数据 对应于与金融账户相关联的存储在数据存储中的特定识别用户。
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92.发明申请公开(公告)号：US20100235278A1
公开(公告)日：2010-09-16
申请号：US12800499
申请日：2010-05-17
CPC分类号： 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
摘要： 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 enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. While a user operates the system to dispense cash or perform other banking operations, the system may further permit at least one portable wireless device to wirelessly access the system to conduct transactions.
摘要翻译： 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。 用户能够响应于从卡读取的帐户标记来执行至少一个银行操作。 这种银行业务可能包括发放现金和存取财务账目。 当用户操作系统分配现金或执行其他银行操作时，系统可以进一步允许至少一个便携式无线设备无线地访问系统以进行交易。
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93.发明申请公开(公告)号：US20100102118A1
公开(公告)日：2010-04-29
申请号：US12288788
申请日：2008-10-23
申请人： Natarajan Ramachandran , Mark Owens , Mark D. Smith , Sean Haney , Andrew Junkins , Matthew Force , H. Thomas Graef , Elizabeth M. Herrera , Robert G. Miller , Roy Mleziva , Jeffrey A. Hill
发明人： Natarajan Ramachandran , Mark Owens , Mark D. Smith , Sean Haney , Andrew Junkins , Matthew Force , H. Thomas Graef , Elizabeth M. Herrera , Robert G. Miller , Roy Mleziva , Jeffrey A. Hill
CPC分类号： G07F19/203 , G06Q20/10 , G06Q20/1085 , G06Q20/3674 , G06Q20/40 , G06Q20/4014 , G06Q20/40145 , G06Q30/0609 , G07C9/00158 , G07C2011/02 , G07F19/20 , G07F19/201
摘要： A cash dispensing banking transaction machine that operates responsive to data bearing records includes a card reader that reads identifying data from a user card. The machine dispenses cash from a cash dispenser for a financial account without causing the card reader device to read data from a card corresponding to the financial account, when a determination indicates that a voice of the user included in an audio input signal to audio input device corresponds to a particular recognized user stored in a data store in correlated relation with the financial account.
摘要翻译： 响应于数据承载记录操作的现金分配银行交易机器包括从用户卡读取识别数据的读卡器。 当确定指示包括在音频输入信号中的用户的声音到音频输入设备时，该机器从用于金融帐户的自动提款机分配现金，而不会导致读卡器设备从对应于该金融帐户的卡读取数据 对应于与金融账户相关联的存储在数据存储中的特定识别用户。
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94.发明授权公开(公告)号：US08430307B2
公开(公告)日：2013-04-30
申请号：US13571785
申请日：2012-08-10
CPC分类号： 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
摘要： 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.
摘要翻译： 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。
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公开(公告)号：US08281989B2
公开(公告)日：2012-10-09
申请号：US13317087
申请日：2011-10-07
CPC分类号： 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
摘要： 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 enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. While a user operates the system to dispense cash or perform other banking operations, the system may further permit at least one portable wireless device to wirelessly access the system to conduct transactions.
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96.发明授权公开(公告)号：US08245916B2
公开(公告)日：2012-08-21
申请号：US13068596
申请日：2011-05-16
CPC分类号： G06K7/0004 , G06K19/08 , G06Q20/341 , G07F7/0886 , G07F7/1008
摘要： 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 enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. The card reader may include a data store including a card reader device driver therein. The card reader may further communicate the device driver to a automated banking machine software application component, which is operative to use the device driver to operate the card reader.
摘要翻译： 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。 用户能够响应于从卡读取的帐户指示而执行至少一个银行操作。 这种银行业务可能包括发放现金和存取财务账目。 读卡器可以包括其中包括读卡器设备驱动器的数据存储器。 读卡器还可以将设备驱动程序传送到自动银行业务机器软件应用组件，该组件可操作以使用设备驱动程序来操作读卡器。
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97.发明授权公开(公告)号：US08240556B2
公开(公告)日：2012-08-14
申请号：US13373168
申请日：2011-11-07
CPC分类号： 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
摘要： 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 enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. A user is also enabled to perform at least one banking operation responsive to financial account data communicated to the automated banking machine from a mobile phone.
摘要翻译： 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。 用户能够响应于从卡读取的帐户标记来执行至少一个银行操作。 这种银行业务可能包括发放现金和存取财务账目。 用户还能够响应于从移动电话传送到自动银行机的金融账户数据来执行至少一个银行操作。
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公开(公告)号：US07874479B2
公开(公告)日：2011-01-25
申请号：US12800499
申请日：2010-05-17
CPC分类号： 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
摘要： 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 enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. While a user operates the system to dispense cash or perform other banking operations, the system may further permit at least one portable wireless device to wirelessly access the system to conduct transactions.
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99.发明授权公开(公告)号：US07611049B2
公开(公告)日：2009-11-03
申请号：US12290886
申请日：2008-11-03
CPC分类号： 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
摘要： A card activated cash dispensing automated banking machine system and method is provided. The machine is operate to read a financial card bearing account indicia with a card reader of the machine. The machine enables a user to perform banking operations responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. While a user operates the machine to dispense cash or perform other banking operations, the machine may further permit at least one portable wireless device to wirelessly access the machine to purchase and wirelessly receive digital information such as music and/or video files from the machine.
摘要翻译： 提供了卡片激活的现金分发自动银行机系统和方法。 该机器用于读取带有读卡机的金融卡支付账户标记。 该机器使得用户能够响应于从卡读取的帐户标记来执行银行操作。 这种银行业务可能包括发放现金和存取财务账目。 当用户操作机器分配现金或执行其他银行操作时，机器还可以允许至少一个便携式无线设备无线地访问机器以购买并无线地从机器接收诸如音乐和/或视频文件的数字信息。
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公开(公告)号：US20090134215A1
公开(公告)日：2009-05-28
申请号：US12290886
申请日：2008-11-03
IPC分类号： G07F19/00
CPC分类号： 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
摘要： A card activated cash dispensing automated banking machine system and method is provided. The machine is operate to read a financial card bearing account indicia with a card reader of the machine. The machine enables a user to perform banking operations responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. While a user operates the machine to dispense cash or perform other banking operations, the machine may further permit at least one portable wireless device to wirelessly access the machine to purchase and wirelessly receive digital information such as music and/or video files from the machine.
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