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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：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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公开(公告)号：US09858556B2
公开(公告)日：2018-01-02
申请号：US14287823
申请日：2014-05-27
发明人： Willis Miller , Matthew R. Zaugg , James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffery M. Enright , Mark A. Douglass , Dale H. Blackson
CPC分类号： G06Q20/1085 , G06Q20/382 , G06Q20/40 , G06Q40/02 , G07F19/20
摘要： A banking system operates to cause financial transfers responsive to card data read from data bearing records by a card reader. The system includes at least one automated banking machine comprising a cash dispenser. The system is operative during a cash dispense transaction request to receive through an automated banking machine, machine user input of data corresponding to a mobile phone number. The system is operative to generate a security code for the requested cash dispense transaction. The system uses the phone number to send the generated security code to the mobile phone. The cash dispense transaction is allowed to proceed only if the system receives machine user input of the sent security code.
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公开(公告)号：US09710796B2
公开(公告)日：2017-07-18
申请号：US15214088
申请日：2016-07-19
发明人： Songtao Ma , Eric Toepke , Mike P. Ryan , Tim Crews , Willis Miller , Nick Billett , Steven Shepley , Dave Krzic , Victor Cogan , Randall W. Jenkins , Thomas D. Ertle , Natarajan Ramachandran
CPC分类号： G06Q20/1085 , G07F19/203 , G07F19/209 , H04L67/125
摘要： An automated banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The automated banking 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 transaction function devices such as the card reader to avoid exceeding power supply capacity.
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公开(公告)号：US09607483B2
公开(公告)日：2017-03-28
申请号：US15169007
申请日：2016-05-31
发明人： James Block , H. Thomas Graef , Paul D. Magee , Donald S. Nelson , James Meek , Daniel S. McIntyre , Mark DePietro , Natarajan Ramachandran
CPC分类号： G07F19/201 , G06Q20/1085 , G06Q20/3221 , G06Q20/3223 , G07F19/203 , G07F19/2055 , 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.
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公开(公告)号：US09396463B2
公开(公告)日：2016-07-19
申请号：US14847685
申请日：2015-09-08
发明人： Songtao Ma , Eric Toepke , Mike P. Ryan , Tim Crews , Willis Miller , Nick Billett , Steven Shepley , Dave Krzic , Victor Cogan , Randall W. Jenkins , Thomas D. Ertle , Natarajan Ramachandran
CPC分类号： G06Q20/1085 , G07F19/203 , G07F19/209 , H04L67/125
摘要： An automated banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The automated banking 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 transaction function devices such as the card reader to avoid exceeding power supply capacity.
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公开(公告)号：US09378629B2
公开(公告)日：2016-06-28
申请号：US14721731
申请日：2015-05-26
发明人： David N. Lewis , Jeffery M. Enright , Natarajan Ramachandran , Mark A. Douglass , Tim Crews , Songtao Ma , Randall W. Jenkins , H. Thomas Graef , Sathish M. Irudayam , Klaus Steinbach
CPC分类号： G07F19/2055 , G06K7/0004 , G06K7/084 , G06K19/07345 , G06K19/07381 , G07F19/201
摘要： A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The card data is usable by the machine to authorize a user to carry out a financial transfer involving the account.
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公开(公告)号：US09292847B2
公开(公告)日：2016-03-22
申请号：US14692179
申请日：2015-04-21
IPC分类号： G07F19/00 , G06Q20/32 , G06Q20/04 , G06Q20/10 , G06Q40/00 , G07F7/04 , G06K9/00 , G06K9/18 , G06Q20/40
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.
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公开(公告)号：US09033221B1
公开(公告)日：2015-05-19
申请号：US13769545
申请日：2013-02-18
CPC分类号： G07F19/201 , G06K7/0004 , G06Q20/1085 , G06Q20/32 , G06Q20/3274 , G06Q20/352 , G06Q20/385 , G07F7/10 , G07F7/1075 , G07F19/20 , G07F19/205
摘要： An automated banking machine is part of a banking system that can operate to cause financial transfers responsive to data read from data bearing records. The machine can also receive user card data from a cell phone, including an electronic account number. The phone's banking application encrypts the account number along with an inputted random number which was generated by the machine. The phone then displays a bar code image containing the encrypted data. The machine includes a bar code reader. The random number is used to verify the current transaction session. Thereafter, normal transaction flow can follow, including PIN input. The process allows for secure input of card data without physical insertion of a card. Thus, fraudulent activities based on card insertion can be reduced.
摘要翻译： 自动银行机是银行系统的一部分，可以根据从数据记录中读取的数据进行响应，从而进行财务转移。 该机器还可以从手机接收用户卡数据，包括电子帐号。 手机的银行业务应用程序加密帐号以及机器生成的输入随机数。 然后，手机显示包含加密数据的条形码图像。 该机器包括一个条码阅读器。 随机数用于验证当前事务会话。 此后，可以遵循正常的交易流程，包括PIN输入。 该过程允许卡数据的安全输入，而无需物理插入卡。 因此，可以减少基于卡插入的欺诈活动。
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公开(公告)号：US09004353B1
公开(公告)日：2015-04-14
申请号：US13793246
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： 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.
摘要翻译： 自动银行机至少部分地由从数据记录读取的数据操作。 该机器至少部分地响应于通过机器的读卡器读取的数据对应于被授权通过机器的操作进行交易的金融帐户的响应来执行财务传递。 该机器还包括一个检查接受器，用于接收来自机器用户的检查。 检查受理人是操作图像检查，并且从检查图像解析的数据用于机器的操作以引起财务转移。
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