公开(公告)号：US08047429B1

公开(公告)日：2011-11-01

申请号：US12658864

申请日：2010-02-16

申请人： Wayne Warren ,  Dale H. Blackson ,  Tim Crews ,  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 ,  Edward L. Laskowski

发明人： Wayne Warren ,  Dale H. Blackson ,  Tim Crews ,  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 ,  Edward L. Laskowski

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.

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。 现金从ATM中分配给用户，以换取押金支票。

公开(公告)号：US20100176190A1

公开(公告)日：2010-07-15

申请号：US12661276

申请日：2010-03-12

申请人： Thomas A. VanKirk ,  Jon E. Washington ,  Brian Jones ,  William D. Beskitt ,  Harry Thomas Graef ,  David A. Peters ,  Damon J. Blackford ,  Dale H. Blackson ,  Edward L. Laskowski ,  Songtao Ma ,  Tim Crews ,  Wayne Warren ,  Martin J. Brown ,  Todd Galloway ,  Kenneth Turocy ,  Douglas T. Dominik ,  Jason J. Smolk ,  Brian E. Lucas ,  Bradley Lightner ,  James Meek ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Keith Carpenter ,  Laura Drozda

发明人： Thomas A. VanKirk ,  Jon E. Washington ,  Brian Jones ,  William D. Beskitt ,  Harry Thomas Graef ,  David A. Peters ,  Damon J. Blackford ,  Dale H. Blackson ,  Edward L. Laskowski ,  Songtao Ma ,  Tim Crews ,  Wayne Warren ,  Martin J. Brown ,  Todd Galloway ,  Kenneth Turocy ,  Douglas T. Dominik ,  Jason J. Smolk ,  Brian E. Lucas ,  Bradley Lightner ,  James Meek ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Keith Carpenter ,  Laura Drozda

IPC分类号： G07F19/00 ,  G06K5/00

CPC分类号： G07D11/0084 ,  G06Q20/042 ,  G06Q20/1085 ,  G07F19/20

摘要： An automated banking machine that operates responsive to data read from user cards which accepts checks and dispenses cash to users. The machine operates 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 in exchange for the deposited check. The machine dispenses cash responsive to communications with a transaction host.

摘要翻译： 一种自动银行机器，其响应于从用户卡读取的数据进行操作，该数据接收检查并向用户分配现金。 该机器用于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受这种检查的现金的权限。 可以将现金分配给用户以换取已存的支票。 该机器响应于与交易主机的通信而分配现金。

公开(公告)号：US07314163B1

公开(公告)日：2008-01-01

申请号：US11787406

申请日：2007-04-16

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： G07F19/202 ,  G06Q20/042 ,  G06Q20/40 ,  G07F19/20

摘要： An automated banking machine system includes ATMs that can accept checks. Cash may be dispensed from an ATM to the user in exchange for a check. Cancellation indicia can be marked on the check by the ATM. The ATM can acquire image data and magnetic data from a received check to determine the genuineness of the check and the authority of the user to cash the check. A check imaging device of the ATM can generate a digital image of a received check. The check image data can be stored in correlated relation with the related transaction data. The ATM can also modify the check image data to produce a modified check image that excludes sensitive check information, such as the user's account number in the micr line. The ATM can then print this modified check image on the user's transaction receipt.

摘要翻译： 自动银行机系统包括可以接受支票的ATM。 可以从ATM向用户分配现金以换取支票。 取消指示可以在ATM的支票上标明。 ATM可以从接收到的支票获取图像数据和磁数据，以确定支票的真实性和用户现金支票的权限。 ATM的检查成像装置可以生成接收到的支票的数字图像。 检查图像数据可以与相关的交易数据相关联地存储。 ATM还可以修改检查图像数据以产生修改的检查图像，其排除敏感检查信息，例如微行中的用户帐号。 然后ATM可以在用户的​​交易收据上打印该修改的检查图像。

公开(公告)号：US07229010B2

公开(公告)日：2007-06-12

申请号：US11370749

申请日：2006-03-08

申请人： Thomas A. VanKirk ,  Jon E. Washington ,  Brian Jones ,  William D. Beskitt ,  Harry Thomas Graef ,  David A. Peters ,  Damon J. Blackford ,  Dale H. Blackson ,  Edward L. Laskowski ,  Songtao Ma ,  Tim Crews ,  Kenneth Turocy ,  Douglas T. Dominick ,  Jason J. Smolk ,  Brian E. Lucas ,  Bradley Lightner

发明人： Thomas A. VanKirk ,  Jon E. Washington ,  Brian Jones ,  William D. Beskitt ,  Harry Thomas Graef ,  David A. Peters ,  Damon J. Blackford ,  Dale H. Blackson ,  Edward L. Laskowski ,  Songtao Ma ,  Tim Crews ,  Kenneth Turocy ,  Douglas T. Dominick ,  Jason J. Smolk ,  Brian E. Lucas ,  Bradley Lightner

IPC分类号： G07F19/00

CPC分类号： G07F19/202 ,  G06Q20/042 ,  G07F19/20 ,  G07F19/203 ,  G07F19/205

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 check. The ATMs dispense cash responsive to communications with a transaction host.

公开(公告)号：US07156295B2

公开(公告)日：2007-01-02

申请号：US10796574

申请日：2004-03-09

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

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

IPC分类号： G06Q40/00 ,  G07D11/00 ,  G07F19/00 ,  G06K5/00 ,  G06K13/00

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.

公开(公告)号：US07021529B2

公开(公告)日：2006-04-04

申请号：US10796775

申请日：2004-03-09

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

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

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

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：US07017819B2

公开(公告)日：2006-03-28

申请号：US10796779

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： G06K7/00

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.

公开(公告)号：US08052045B1

公开(公告)日：2011-11-08

申请号：US12589100

申请日：2009-10-16

申请人： Wayne Warren ,  Dale H. Blackson ,  Edward L. Laskowski ,  Tim Crews ,  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： Wayne Warren ,  Dale H. Blackson ,  Edward L. Laskowski ,  Tim Crews ,  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： G07F19/202 ,  G07F7/04 ,  G07F7/12 ,  G07F19/20

摘要： An automated banking machine system and method includes automated banking machines that operate responsive to data bearing records and accept checks and dispense cash to users. The automated banking machines 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 machine in exchange for the deposited check.

摘要翻译： 自动银行机系统和方法包括自动银行机器，其响应于数据承载记录并接受对用户的支票和分配现金操作。 自动银行机器被操作以从存入的支票中获得图像和磁数据，以确定支票的真实性和用户接收用于这种支票的现金的权限。 从机器向用户分配现金，以换取押金支票。

公开(公告)号：US07631802B1

公开(公告)日：2009-12-15

申请号：US12288563

申请日：2008-10-20

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： G07F19/202 ,  G07F19/20

摘要： A banking system controlled responsive to data bearing records includes a card reader that reads identifying data from a user card. The banking system authorizes operation of an automated banking machine responsive to computer verification of the identifying data. The banking machine can dispense cash to an authorized machine user in a cash dispensing transaction, and have the user's bank account charged for the cash amount dispensed. The banking machine is also operative to accept checks and 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 machine in exchange for the deposited checks.

摘要翻译： 响应于数据承载记录控制的银行系统包括从用户卡读取识别数据的读卡器。 银行系统授权自动银行机的操作，以响应于识别数据的计算机验证。 银行机器可以在现金分发交易中向授权的机器用户分配现金，并且为用户的银行帐户收取分配的现金金额。 银行机器还可以接受支票并从存入的支票中获取图像和磁性数据，以确定支票的真实性和用户接收现金用于此类支票的权限。 可以从机器向用户分配现金，以换取保留的支票。

公开(公告)号：US07469824B1

公开(公告)日：2008-12-30

申请号：US11168027

申请日：2005-06-27

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： G06Q40/00

CPC分类号： G06Q20/042 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/108 ,  G06Q20/1085 ,  G07F7/04 ,  G07F19/20 ,  G07F19/203

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.