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11.发明授权公开(公告)号：US09355532B2
公开(公告)日：2016-05-31
申请号：US14120334
申请日：2014-05-14
发明人： Timothy Crews , Grant Thornberry , Songtao Ma , Darla Rowland
CPC分类号： G06Q20/1085 , G06Q10/20 , G06Q20/18 , G06Q20/405 , G07F19/20 , G07F19/203 , G07F19/206 , G07F19/209
摘要： In an example embodiment, an automated banking machine that is operable to detect signals corresponding to a plurality of service activities carried out on a transaction function device. Data representative of the plurality of service activities is stored in the transaction function device's data store.
摘要翻译： 在示例性实施例中，一种自动银行业务机器，其可操作以检测与交易功能设备上执行的多个服务活动相对应的信号。 代表多个服务活动的数据被存储在交易功能设备的数据存储器中。
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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：US09311635B2
公开(公告)日：2016-04-12
申请号：US14160109
申请日：2014-01-21
发明人： Natarajan Ramachandran , Ashok Modi , Jeff Hill , Ray Motz , Klaus A. Steinbach
CPC分类号： G06Q20/3227 , G06Q20/18 , G06Q20/223 , G06Q20/32 , G06Q20/322 , G06Q20/325 , G06Q20/3276 , G06Q20/3278 , G06Q20/3821 , G06Q20/40145 , G07F19/20 , G07F19/205 , G07G1/0045 , G07G1/0081
摘要： A system operates to carry out financial transfers in response to data read from data bearing records. A cell phone having a camera stores in memory indicia corresponding to account data from a plurality of magnetic stripe cards. A user can operate the phone to select one of the accounts stored in the memory. The memory further includes a scanned user-identifying written signature. The user can use the phone during an item purchase to wirelessly transmit each of an item's identifier captured by the camera, selected account data, and the user signature.
摘要翻译： 系统操作以响应从数据记录中读取的数据进行财务转移。 具有相机的手机存储对应于来自多个磁条卡的帐户数据的存储器标记。 用户可以操作电话以选择存储在存储器中的一个帐户。 存储器还包括扫描的用户识别书写签名。 用户可以在购买物品期间使用电话来无线地传送由相机捕获的物品的标识符，选择的帐户数据和用户签名。
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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：US20150317056A1
公开(公告)日：2015-11-05
申请号：US14799333
申请日：2015-07-14
IPC分类号： G06F3/0488 , G07F19/00 , G06F21/31 , G06F3/0482 , G06Q20/10 , G06F3/041
CPC分类号： G06F3/0488 , G06F3/041 , G06F3/0482 , G06F21/31 , G06F2203/04104 , G06Q20/10 , G06Q20/4014 , G06Q40/02 , G07F19/201 , G07F19/205
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 and a touch screen display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination that the read card data corresponds to an authorized financial account. Data corresponding to a user input character is resolved by the at least one processor responsive to contact with the touch screen display input surface, which may not include any visible output indicia that corresponds to the input character.
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与读卡器和触摸屏显示器操作连接的至少一个处理器。 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，并且确定读取的卡数据对应于授权的财务帐户。 响应于与触摸屏显示输入表面的接触，由至少一个处理器解析对应于用户输入字符的数据，其可以不包括对应于输入字符的任何可见输出标记。
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17.发明申请公开(公告)号：US20150310708A1
公开(公告)日：2015-10-29
申请号：US14659006
申请日：2015-03-16
IPC分类号： G07F19/00
CPC分类号： G07F19/206 , G07F19/20 , G07F19/209 , G07F19/21
摘要： Automated banking machines operate to cause financial transfers responsive to data read from data bearing records. Each of the automated banking machines includes a card reader that is operative to read data from user cards corresponding to financial accounts. Transactions are authorized responsive at least in part to correspondence between card data and stored data corresponding to authorized users. Entities responsible for operating the automated banking machines receive messages that include information or update code items for software or firmware usable in the banking machines for which they have operational responsibility.
摘要翻译： 自动银行业务操作，以响应从数据记录中读取的数据进行财务转移。 每个自动银行机包括读卡器，其可操作以从对应于财务账户的用户卡读取数据。 交易至少部分地被授权响应于卡数据和与授权用户对应的存储数据之间的对应关系。 负责运营自动银行业务的实体将收到包含信息的消息，或更新可在其具有运营责任的银行机器中使用的软件或固件的代码项。
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公开(公告)号：US20150310418A1
公开(公告)日：2015-10-29
申请号：US14692179
申请日：2015-04-21
CPC分类号： G06Q20/3223 , G06K9/00442 , G06K9/18 , G06Q20/042 , G06Q20/1085 , G06Q20/3221 , G06Q20/40 , G06Q20/4016 , G06Q40/00 , G07F7/04 , G07F19/20 , G07F19/201 , G07F19/203 , G07F19/211
摘要： A card actuated automated banking machine (152, 198, 200) includes a plurality of transaction function devices. The transaction function devices include a card reader (170), a printer (174), a bill dispenser (176), a display (182), a check imaging device (186), and at least one processor (190). The machine is operative, responsive to receiving a check and certification data, to dispense cash in exchange for the check. The person presenting the check to the machine need not provide user identifying inputs through input devices of the machine in order to receive cash for the check. Furthermore, prior to accepting the check as a payment, the person can communicate with at least one computer (204) through at least one consumer interface device (208) to verify that the check is payable for the check amount.
摘要翻译： 卡致动自动银行机（152,198,200）包括多个交易功能装置。 交易功能设备包括读卡器（170），打印机（174），纸币分配器（176），显示器（182），检查成像设备（186）和至少一个处理器（190）。 该机器可操作，响应于收到支票和认证数据，分配现金以换取支票。 向机器呈现支票的人不需要通过机器的输入设备提供用户识别输入，以便接收支票的现金。 此外，在接受支票作为付款之前，该人可以通过至少一个消费者接口设备（208）与至少一台计算机（204）进行通信，以验证支票是否支付支票金额。
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公开(公告)号：US20150302706A1
公开(公告)日：2015-10-22
申请号：US14754782
申请日：2015-06-30
发明人： Songtao MA
CPC分类号： G07F19/201 , G05B15/02 , G05B19/414 , G05B2219/42238 , G07F19/20 , G07F19/203 , H02J7/0052 , H02J7/35 , H02P8/12
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账户相关的财务转移，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。
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公开(公告)号：US09010629B2
公开(公告)日：2015-04-21
申请号：US14501940
申请日：2014-09-30
CPC分类号： G06Q20/3223 , G06K9/00442 , G06K9/18 , G06Q20/042 , G06Q20/1085 , G06Q20/3221 , G06Q20/40 , G06Q20/4016 , G06Q40/00 , G07F7/04 , G07F19/20 , G07F19/201 , G07F19/203 , G07F19/211
摘要： A card actuated automated banking machine (152, 198, 200) includes a plurality of transaction function devices. The transaction function devices include a card reader (170), a printer (174), a bill dispenser (176), a display (182), a check imaging device (186), and at least one processor (190). The machine is operative, responsive to receiving a check and certification data, to dispense cash in exchange for the check. The person presenting the check to the machine need not provide user identifying inputs through input devices of the machine in order to receive cash for the check. Furthermore, prior to accepting the check as a payment, the person can communicate with at least one computer (204) through at least one consumer interface device (208) to verify that the check is payable for the check amount.
摘要翻译： 卡致动自动银行机（152,198,200）包括多个交易功能装置。 交易功能设备包括读卡器（170），打印机（174），纸币分配器（176），显示器（182），检查成像设备（186）和至少一个处理器（190）。 该机器可操作，响应于收到支票和认证数据，分配现金以换取支票。 向机器呈现支票的人不需要通过机器的输入设备提供用户识别输入，以便接收支票的现金。 此外，在接受支票作为付款之前，该人可以通过至少一个消费者接口设备（208）与至少一台计算机（204）进行通信，以验证支票是否支付支票金额。
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