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    ATM transaction authorization based on user location verification
    11.
    发明授权
    ATM transaction authorization based on user location verification 有权
    基于用户位置验证的ATM交易授权

    公开(公告)号：US08186578B1

    公开(公告)日：2012-05-29

    申请号：US13136698

    申请日：2011-08-08

    申请人： James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson

    发明人： James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson

    IPC分类号： G06K19/06

    CPC分类号： G07F19/201 ,  G06Q20/18 ,  G06Q20/3224 ,  G07F19/20 ,  G07F19/2055 ,  G07F19/207 ,  G07G3/003 ,  H04W4/021

    摘要： An automated banking machine transaction request is authorized based on a determined location of an authorized user relative to the machine. Identification of an authorized machine user is linked to a remotely locatable item (e.g., a cell phone) of the authorized user. A banking machine receiving the user identification causes the location of the cell phone to be determined. A comparison is then made of the cell phone location and the banking machine location. If the locations correspond, then the current machine user is recognized as the authorized user and machine transactions are permitted. If the locations do not correspond, then the current user is denied transactions at the banking machine. The security arrangement helps prevent an unauthorized person from using a fraudulent card to access a financial account.

    摘要翻译： 基于授权用户相对于机器的确定位置来授权自动银行机交易请求。 授权机器用户的标识被链接到授权用户的可远程定位的项目（例如，蜂窝电话）。 接收用户标识的银行业务机构将确定手机的位置。 然后对手机位置和银行机器位置进行比较。 如果位置对应，则当前机器用户被识别为授权用户，并允许机器交易。 如果这些位置不对应，则当前用户在银行机器上被拒绝交易。 安全安排有助于防止未经授权的人员使用欺诈性卡片访问财务帐户。

    Cash dispensing automated banking machine with GPS
    13.
    发明授权
    Cash dispensing automated banking machine with GPS 有权
    自动点钞自动银行机与GPS

    公开(公告)号：US08127983B1

    公开(公告)日：2012-03-06

    申请号：US12586468

    申请日：2009-09-21

    申请人： James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson

    发明人： James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson

    IPC分类号： G06F17/60

    CPC分类号： G07F19/207 ,  G07F19/20

    摘要： Automated banking machines include a Global Positioning System (GPS). The machines can transmit their GPS location reading to a service center. The service center can receive through a customer's cell phone, a customer request for directions to the nearest cash dispensing machine that does not have a transaction fee. The customer request can include account data and GPS location of the cell phone. The service center can determine from the account data which financial networks would not cause the customer to be assessed a transaction fee for a cash withdrawal. The service center can then determine from the GPS locations of the machines in these financial networks, which machine is geographically closest to the cell phone's GPS location. Directions to this nearest automated banking machine are then sent to the cell phone.

    摘要翻译： 自动银行机包括全球定位系统（GPS）。 机器可以将GPS位置读数传送到服务中心。 服务中心可以通过客户的手机接收客户的请求，指示最近没有交易费用的最近的现金分发机。 客户请求可以包括手机的帐户数据和GPS位置。 服务中心可以从帐户数据中确定哪些金融网络不会导致客户对现金提款的交易费用进行评估。 然后，服务中心可以从这些金融网络中的机器的GPS位置确定哪个机器在地理上最接近于手机的GPS位置。 到最近的自动银行机的方向然后发送到手机。

    Method of operating banking system responsive to data bearing records
    15.
    发明授权
    Method of operating banking system responsive to data bearing records 有权
    响应数据记录的操作银行系统的方法

    公开(公告)号：US07934642B2

    公开(公告)日：2011-05-03

    申请号：US11983409

    申请日：2007-11-08

    申请人： H. Thomas Graef

    发明人： H. Thomas Graef

    IPC分类号： G07F19/00

    CPC分类号： G06Q40/00

    摘要： An automated banking machine operated responsive to data included on user cards includes a deposit accepting device. The deposit accepting device is operative to receive a stack of sheets and to separate each sheet from the stack through operation of a picker. Each sheet is aligned with the sheet path and analyzed by analysis devices including at least one magnetic read head, an imager and/or a validation device. Sheets determined not to have at least one property of a genuine sheet are returned to a user of the machine. Sheets determined to have at least one property of genuine sheets are processed and stored in the machine.

    摘要翻译： 响应于用户卡上包括的数据而操作的自动银行机包括存款接收装置。 存款接收装置可操作以接收一堆纸张，并通过操作拾纸器将每张纸张与纸张分离。 每个片材与片材路径对准并且通过包括至少一个磁读头，成像器和/或验证装置的分析装置进行分析。 表格决定不将至少一个正本工作表的属性返回给机器的用户。 确定至少有一张正本纸的属性被处理并存储在机器中。

    Banking system controlled responsive to data bearing records
    17.
    发明授权
    Banking system controlled responsive to data bearing records 有权
    控制数据记录的银行系统

    公开(公告)号：US07861924B1

    公开(公告)日：2011-01-04

    申请号：US12455602

    申请日：2009-06-03

    申请人： James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson

    发明人： James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson

    IPC分类号： G06F17/60

    CPC分类号： G06Q20/40 ,  G06Q20/3223 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/205

    摘要： An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data corresponding to a user financial account. The card data is linked in at least one data store to an indication that the card data corresponds to an authorized financial account to enable operation of the automated banking machine. The card data is also linked in the at least one data store to a mobile communication device (i.e., cell phone of an owner associated with the financial account). In response to receipt of card data and a transaction request from an automated banking machine, contact data for the owner's cell phone is determined and a message notifying the owner of the requested transaction is sent. The transaction is completed only if the owner provides a responsive message granting permission for the transaction to proceed. Alternatively or in addition transaction authorization may be based on the then current location of the owner's cell phone adjacent to the automated banking machine, and/or other criteria.

    摘要翻译： 自动银行业务机构可以根据从数据记录中读取的数据进行财务转移。 自动银行机包括读卡器，其操作来读取对应于用户金融账户的卡数据。 卡数据被链接在至少一个数据存储器中，以指示卡数据对应于授权的财务帐户以使自动银行机的操作。 卡数据还在至少一个数据存储器中链接到移动通信设备（即与金融账户相关联的所有者的手机）。 响应于从自动银行机接收到卡数据和交易请求，确定所有者手机的联系人数据，并且发送通知所请求的交易的所有者的消息。 仅当所有者提供响应消息授予交易进行许可时，交易才能完成。 或者或另外交易授权可以基于与自动银行机相邻的所有者手机当时的当前位置和/或其他标准。