公开(公告)号：US20080277464A1

公开(公告)日：2008-11-13

申请号：US12156444

申请日：2008-05-30

申请人： Sean Haney ,  Jeffery M. Enright ,  Jeffrey Eastman ,  Franklin M. Theriault ,  R. Matthew Dunlap ,  William D. Beskitt ,  Colin Fitzpatrick ,  Edward L. Laskowski ,  Mike Ryan ,  Bill Lavelle ,  David Schultz ,  Matthew Force

发明人： Sean Haney ,  Jeffery M. Enright ,  Jeffrey Eastman ,  Franklin M. Theriault ,  R. Matthew Dunlap ,  William D. Beskitt ,  Colin Fitzpatrick ,  Edward L. Laskowski ,  Mike Ryan ,  Bill Lavelle ,  David Schultz ,  Matthew Force

IPC分类号： G06Q40/00

CPC分类号： B65H1/06 ,  B41J2/16585 ,  B65H3/042 ,  B65H3/52 ,  B65H2701/1912 ,  B65H2701/1916 ,  G06Q20/1085 ,  G06Q40/00 ,  G07D11/0006 ,  G07D11/0018 ,  G07D11/0081 ,  G07D11/0096 ,  G07F19/20 ,  G07F19/202 ,  Y10T29/4984 ,  Y10T29/49904 ,  Y10T29/49945

摘要： An automated banking machine includes a mechanism for accepting deposited items. Deposited items can be provided to the machine in envelopes passed out of the machine to a user. An empty envelope in an envelope holding container (132) is passed through a transport (124) and presented to the user through an opening (244). The user can insert deposit items in the presented envelope. The envelope containing inserted deposited items can then be placed by the user back through the opening (244), causing it to be stored in a deposit-holding container (128). The machine also includes a printer that can print transaction indicia on a deposited envelope. A wiper comprising a resilient squeegee is able to remove excess ink from nozzles of the printer.

公开(公告)号：US07331515B1

公开(公告)日：2008-02-19

申请号：US11728876

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.

公开(公告)号：US07284695B1

公开(公告)日：2007-10-23

申请号：US11502302

申请日：2006-08-10

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

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

IPC分类号： G07F19/00

CPC分类号： G06Q20/042 ,  G06Q20/18 ,  G07F19/20 ,  G07F19/205 ,  G07F19/206 ,  G07F19/211

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 authority of a user to receive cash for such checks. The authority of the user is determined based on the user being associated in a data store with the maker of the check. The check cannot exceed certain programmed thresholds or be presented earlier than the expiration of a delay period from when a prior check from the same maker is presented. In exchange for acceptable 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以从存放的检查获取图像和磁数据，以确定用户接收用于这种检查的现金的权限。 用户的权限基于用户与支票的制造商在数据存储中相关联来确定。 支票不能超过某些已编程的门槛，或者在提前同一制造商的先前支票的延迟期限到期之前提出。 为了交换可接受的检查，现金从ATM分配给用户以换取存入支票。

公开(公告)号：US07216801B1

公开(公告)日：2007-05-15

申请号：US11586273

申请日：2006-10-25

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： G06Q20/042 ,  G06Q20/40 ,  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.

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取图像和磁性数据，以确定检查的真实性以及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。

公开(公告)号：US07185740B2

公开(公告)日：2007-03-06

申请号：US10796797

申请日：2004-03-09

申请人： William D. Beskitt ,  Jeffery M. Enright ,  Jeffrey Eastman ,  Franklin M. Theriault ,  R. Matthew Dunlap ,  Sean Haney ,  Colin Fitzpatrick ,  Edward L. Laskowski ,  Mike Ryan ,  Bill Lavelle ,  David Schultz ,  Matthew Force

发明人： William D. Beskitt ,  Jeffery M. Enright ,  Jeffrey Eastman ,  Franklin M. Theriault ,  R. Matthew Dunlap ,  Sean Haney ,  Colin Fitzpatrick ,  Edward L. Laskowski ,  Mike Ryan ,  Bill Lavelle ,  David Schultz ,  Matthew Force

IPC分类号： G07D11/00

CPC分类号： B65H1/06 ,  B41J2/16585 ,  B65H3/042 ,  B65H3/52 ,  B65H2701/1912 ,  B65H2701/1916 ,  G06Q20/1085 ,  G06Q40/00 ,  G07D11/0006 ,  G07D11/0018 ,  G07D11/0081 ,  G07D11/0096 ,  G07F19/20 ,  G07F19/202 ,  Y10T29/4984 ,  Y10T29/49904 ,  Y10T29/49945

摘要： An automated banking machine includes a mechanism for accepting deposited items. Deposited items may be provided to the machine in envelopes which are first passed to a user from an envelope storage area (132) in the machine through a transport (124) and which are presented to the user through an opening (244). An envelope storage and dispensing device (134) is operative to assure that only a single envelope is delivered to the user. A user may thereafter include deposit items in the dispensed envelope. The deposited items are passed through the opening (244) and are deposited in a deposit-holding container (128). The deposited items may be marked with indicia corresponding to the transaction or properties of the deposited item where the envelope originally dispensed to the user for holding the deposited item.

摘要翻译： 自动银行机包括用于接受存放物品的机构。 存储的物品可以在信封中提供给机器，该信封首先通过传送装置（124）从机器上的信封存储区域（132）传递给用户，并且通过开口（244）呈现给用户。 信封存储和分配装置（134）可操作以确保仅将单个信封传送给用户。 用户之后可以在分发的信封中包括存款项目。 沉积物通过开口（244）并沉积在沉积物保持容器（128）中。 存放的物品可以标记相应于存放物品的交易或属性的标记，其中信封最初分配给用户以保存存放的物品。

公开(公告)号：US07090122B1

公开(公告)日：2006-08-15

申请号：US10944579

申请日：2004-09-16

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

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

IPC分类号： G07F19/00

CPC分类号： G07F19/202 ,  G06Q20/042 ,  G06Q20/1085 ,  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 authority of a user to receive cash for such checks. The authority of the user is determined based on the user being associated in a data store with the maker of the check. The check cannot exceed certain programmed thresholds or be presented earlier than the expiration of a delay period from when a prior check from the same maker is presented. In exchange for acceptable 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以从存放的检查获取图像和磁数据，以确定用户接收用于这种检查的现金的权限。 用户的权限基于用户与支票的制造商在数据存储中相关联来确定。 支票不能超过某些已编程的门槛，或者在提前同一制造商的先前支票的延迟期限到期之前提出。 为了交换可接受的检查，现金从ATM分配给用户以换取存入支票。

公开(公告)号：US08573483B1

公开(公告)日：2013-11-05

申请号：US13447351

申请日：2012-04-16

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： G06F19/00

CPC分类号： G07F19/20 ,  G06Q20/042 ,  G06Q40/02 ,  G07D11/0087 ,  G07F7/04 ,  G07F19/202

摘要： An automated banking machine operates to carry out financial transactions responsive to data bearing records including account data read from user cards. The banking machine may accept checks and dispense cash to users. The machine is 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 then dispensed to the user from the machine in exchange for the deposited checks.

摘要翻译： 自动银行业务操作以响应于数据承载记录（包括从用户卡读取的帐户数据）执行金融交易。 银行机器可以接受支票和现金给用户。 该机器被操作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。 然后将现金从机器分配给用户，以换取保留的支票。

公开(公告)号：US08474697B2

公开(公告)日：2013-07-02

申请号：US13200265

申请日：2011-09-22

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： G07F19/20 ,  B65H3/00 ,  B65H29/06 ,  B65H29/40 ,  B65H29/60 ,  B65H39/02 ,  B65H83/025 ,  B65H2301/42122 ,  B65H2301/42146 ,  B65H2404/261 ,  B65H2404/651 ,  B65H2404/655 ,  B65H2404/657 ,  B65H2701/1912 ,  G06Q20/042 ,  G06Q20/1085 ,  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

摘要： An automated banking machine (10) operates responsive to data read from data bearing records to cause financial transfers. The machine 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： 自动银行机（10）响应于从数据承载记录读取的数据进行经营转移。 该机器包括包括开口（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。 该机器操作以接收笔记，处理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：US08317092B2

公开(公告)日：2012-11-27

申请号：US13479713

申请日：2012-05-24

申请人： Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson ,  Edward L. Laskowski ,  Carole Laskowski, legal representative

发明人： Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson ,  Edward L. Laskowski

IPC分类号： G06K5/00

CPC分类号： G07F19/20 ,  G06Q20/1085 ,  G06Q20/18 ,  G07F19/201 ,  G07F19/2055 ,  G07F19/207 ,  G07F19/211

摘要： A cash dispensing automated banking machine includes a card reader associated with a card slot. An anti-fraud sensing device is able to sense ambient light or generated radiation that passes to the sensing device through the card reader slot. The installation of an unauthorized card reading device on the machine changes at least one property sensed by the sensing device. A controller in the machine receives signals from the sensing device, and determines if an unauthorized card reading device has been installed.

公开(公告)号：US08276812B2

公开(公告)日：2012-10-02

申请号：US12924752

申请日：2010-10-04

申请人： Edward L. Laskowski

发明人： Edward L. Laskowski

IPC分类号： G06Q40/00

CPC分类号： G07D11/0066 ,  G06Q20/1085 ,  G07D7/00 ,  G07D7/12 ,  G07D7/181 ,  G07D7/20 ,  G07D11/0003 ,  G07D11/0051 ,  G07D11/0054 ,  G07D11/0075 ,  G07F9/026 ,  G07F19/20 ,  G07F19/203 ,  G07F19/207

摘要： An automated banking machine (10) operates responsive to data bearing records. Users of the machine may deliver and receive records including individual sheets and stacks of sheets to and from the machine such as notes, checks, or other documents. Notes assessed by the machine as being of questionable validity may be marked with a removable mark or otherwise identified.

摘要翻译： 自动银行机（10）响应于数据记录记录操作。 机器的用户可以传送和接收记录，包括单独的纸张和纸张堆放到机器上，例如纸币，支票或其他文件。 由机器评估为具有可疑有效性的笔记可能会标有可拆卸标记或以其他方式标识。