公开(公告)号：US07490758B2

公开(公告)日：2009-02-17

申请号：US11345429

申请日：2006-01-31

申请人： Jay Paul Drummond ,  Mark D. Smith ,  Natarajan Ramachandran

发明人： Jay Paul Drummond ,  Mark D. Smith ,  Natarajan Ramachandran

IPC分类号： G06F19/00

CPC分类号： G07F19/20 ,  G06Q20/327 ,  G07F19/201

摘要： A system and method for enabling a portable wireless devices to operate an automated teller machine (ATM) including cash dispenser is provided. The portable device includes at least one input device and at least one output device. The portable device is responsive to at least one input to the input device to wirelessly communicate with the ATM to carry out at least one financial transaction. The financial transaction may include causing the ATM to dispense cash, accept a deposit, or transfer value between banking accounts.

摘要翻译： 提供了一种使便携式无线设备能够操作包括自动提款机的自动取款机（ATM）的系统和方法。 便携式设备包括至少一个输入设备和至少一个输出设备。 便携式设备响应于输入设备的至少一个输入以与ATM无线通信以执行至少一个金融交易。 金融交易可能包括使ATM在银行账户之间分配现金，接受存款或转移价值。

公开(公告)号：US06941274B1

公开(公告)日：2005-09-06

申请号：US09498789

申请日：2000-02-05

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： G07C9/00 ,  G07F19/00 ,  G06F17/60

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： The invention relates to an automated transaction machine of the recycling currency type. The machine permits a merchant to both store and withdraw cash. The machine also permits a customer to withdraw cash. The automated transaction machine includes a chest portion and a top hat portion. The portions have a front side and a rear side. The rear side of the machine is primarily intended for use by the merchant. The front side of the machine is primarily intended for use by a customer. The merchant side of the chest portion includes an inlet opening for inserting cash and an outlet opening for dispensing cash. The customer side of the chest portion also includes an outlet opening for dispensing cash. The top hat portion includes a separate user interface on the merchant side and a separate user interface on the customer side. The machine provides for the safekeeping of excess cash from a merchant's business operations. The machine enables the replenishment of cash therein without accessing the cash storage areas in the interior of the chest portion.

摘要翻译： 本发明涉及回收货币类型的自动交易机。 该机器允许商家存储和提取现金。 该机器还允许客户提取现金。 自动交易机包括胸部和顶帽部分。 这些部分具有前侧和后侧。 机器的后侧主要供商人使用。 机器的正面主要供客户使用。 胸部的商业侧包括用于插入现金的入口和用于分配现金的出口。 胸部的客户侧还包括用于分配现金的出口。 顶帽部分包括在商家侧的单独的用户界面和在客户侧的单独的用户界面。 该机器用于保护商家业务中的多余现金。 该机器能够在其中补充现金，而无需进入胸部内部的现金存储区域。

公开(公告)号：US08833646B1

公开(公告)日：2014-09-16

申请号：US12380408

申请日：2009-02-25

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

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

IPC分类号： G06K5/00

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

摘要： 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.

摘要翻译： 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：US08640946B1

公开(公告)日：2014-02-04

申请号：US13455180

申请日：2012-04-25

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

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

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

CPC分类号： G06Q20/1085 ,  G06F3/04817 ,  G06F3/04883 ,  G06Q40/00 ,  G07F19/20

摘要： 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

申请人： 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

发明人： 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分类号： G06F17/00 ,  G06F1/00 ,  G06Q40/00 ,  G06K5/00

CPC分类号： G07F19/209 ,  G07F19/207

摘要： 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.

摘要翻译： 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：US08474707B2

公开(公告)日：2013-07-02

申请号：US13565905

申请日：2012-08-03

申请人： Natarajan Ramachandran

发明人： Natarajan Ramachandran

IPC分类号： G06K5/00

CPC分类号： G06Q20/32 ,  G06Q20/042 ,  G06Q20/3276 ,  G06Q30/06 ,  G06Q40/02

摘要： 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：US20120292389A1

公开(公告)日：2012-11-22

申请号：US13565905

申请日：2012-08-03

申请人： Natarajan Ramachandran

发明人： Natarajan Ramachandran

IPC分类号： G07F19/00

CPC分类号： G06Q20/32 ,  G06Q20/042 ,  G06Q20/3276 ,  G06Q30/06 ,  G06Q40/02

摘要： 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.

摘要翻译： 银行系统运作，以纸质财务检查的形式，在帐户中分配资金以回应数据记录。 手机具有相机和可编程存储器。 存储器存储电话用户数据，包括银行帐号和电子签名。 相机可以用于拍摄具有电话用户作为收款人的纸张检查的图像。 手机可以将账号，电子签名和支票图像无线传输到银行存款系统。 该系统可以将存储交易记录中的支票图像和电子签名存储在相关关系中。 该系统可以使电话用户的银行帐户被记入与支票价值对应的现金值。 支票存款的确认可以发送到用户手机。

公开(公告)号：US08245914B1

公开(公告)日：2012-08-21

申请号：US13066404

申请日：2011-04-14

申请人： Natarajan Ramachandran ,  Mark A. Douglass

发明人： Natarajan Ramachandran ,  Mark A. Douglass

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

CPC分类号： G06K7/0004 ,  G06Q20/32 ,  G06Q20/3274 ,  G06Q20/352 ,  G06Q20/385 ,  G07F7/10 ,  G07F7/1075 ,  G07F19/20 ,  G07F19/205 ,  G07F19/207

摘要： An automated banking machine operates responsive to data read from data bearing records. The data corresponds to user card data received from a cell phone. The machine generates and displays a random number correlated with a time period. The machine user inputs the displayed random number into their phone. A software application in the phone encrypts the selected card data along with the inputted random number. The phone then displays a bar code image containing the encrypted data. The machine includes a bar code reader to read the displayed image. The machine can decrypt the random number and the card data from the read image. The random number is used to verify the current banking transaction session. The process replaces physical insertion of a card yet allows secure input of card data.

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。 数据对应于从手机接收的用户卡数据。 机器生成并显示与时间段相关的随机数。 机器用户将显示的随机数输入他们的手机。 电话中的软件应用程序与输入的随机数一起加密所选择的卡片数据。 然后，手机显示包含加密数据的条形码图像。 该机器包括读取显示图像的条形码阅读器。 机器可以从读取的图像中解密随机数和卡数据。 随机数用于验证当前银行交易会话。 该过程取代了卡的物理插入，但允许卡数据的安全输入。

公开(公告)号：US08191767B1

公开(公告)日：2012-06-05

申请号：US12928014

申请日：2010-12-01

申请人： Natarajan Ramachandran ,  Mark A. Douglass

发明人： Natarajan Ramachandran ,  Mark A. Douglass

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

CPC分类号： G06K7/0004 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/1085 ,  G06Q20/32 ,  G06Q20/3227 ,  G06Q20/3274 ,  G06Q20/352 ,  G06Q20/385 ,  G06Q30/0237 ,  G06Q30/04 ,  G07F7/10 ,  G07F7/1075 ,  G07F19/20 ,  G07F19/205

摘要： An automated banking machine operates responsive to data read from data bearing records. The data corresponds to card data which corresponds to at least one financial account. The record data is read by a reader and compared to stored data to authorize use of the machine. A financial transfer corresponding to the account may be carried out once use is authorized based on correspondence of the record data. A printed record of transactions is printed by the machine. Record data may alternatively be received by a reading device of the machine from a mobile device of a user, such as a cell phone.

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。 数据对应于对应于至少一个金融账户的卡数据。 记录数据由读取器读取，并与存储的数据进行比较以授权使用机器。 一旦根据记录数据的通信被授权就可以执行对应于该帐户的财务转账。 交易的打印记录由机器打印。 记录数据可以替代地由机器的读取装置从诸如手机的用户的移动装置接收。

公开(公告)号：US08172134B1

公开(公告)日：2012-05-08

申请号：US13068890

申请日：2011-05-23

申请人： Natarajan Ramachandran ,  Jeffrey A. Hill ,  James Booth ,  Pedro Tula ,  Paul Mercina

发明人： Natarajan Ramachandran ,  Jeffrey A. Hill ,  James Booth ,  Pedro Tula ,  Paul Mercina

IPC分类号： G07F19/00

CPC分类号： G07F19/207 ,  G07F19/20

摘要： An automatic banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that reads data corresponding to financial accounts from user cards, and carries out transactions related to the accounts. The machine includes a camera, a microphone, and the card reader at a customer interface located at the front of the machine. A servicer display device is at a servicer interface located at the rear of the machine. The customer interface and servicer interface can be placed in audio/visual communication. Although a front servicer may not be directly visible to a rear servicer, they are still able to communicate with each other through the customer interface and servicer interface during machine servicing. The servicer interface can also be used to allow a lone servicer to be audibly/visually alerted to a potential customer approaching the machine.

摘要翻译： 自动银行业务响应于从数据记录中读取的数据来进行资金转移。 该机器包括读卡器，用于从用户卡读取对应于财务帐户的数据，并执行与该账户有关的交易。 该机器在位于机器前部的客户接口处包括相机，麦克风和读卡器。 服务器显示设备位于位于机器后部的服务器接口。 客户接口和服务器接口可以放置在音频/视频通信中。 虽然后勤服务人员可能无法直接看到前部服务人员，但是在机器维修期间，他们仍然可以通过客户界面和服务器界面进行通信。 服务器接口还可用于允许单个服务器对接近机器的潜在客户进行可视地/视觉上的警报。