公开(公告)号：US07284695B1

公开(公告)日：2007-10-23

申请号：US11502302

申请日：2006-08-10

申请人： Wayne Warren ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Martin J. Brown ,  Dale H. Blackson ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Tim Crews ,  H. Thomas Graef ,  Edward L. Laskowski

发明人： Wayne Warren ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Martin J. Brown ,  Dale H. Blackson ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Tim Crews ,  H. Thomas Graef ,  Edward L. Laskowski

IPC分类号： G07F19/00

CPC分类号： G06Q20/042 ,  G06Q20/18 ,  G07F19/20 ,  G07F19/205 ,  G07F19/206 ,  G07F19/211

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 authority of a user to receive cash for such checks. The authority of the user is determined based on the user being associated in a data store with the maker of the check. The check cannot exceed certain programmed thresholds or be presented earlier than the expiration of a delay period from when a prior check from the same maker is presented. In exchange for acceptable 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以从存放的检查获取图像和磁数据，以确定用户接收用于这种检查的现金的权限。 用户的权限基于用户与支票的制造商在数据存储中相关联来确定。 支票不能超过某些已编程的门槛，或者在提前同一制造商的先前支票的延迟期限到期之前提出。 为了交换可接受的检查，现金从ATM分配给用户以换取存入支票。

公开(公告)号：US07216801B1

公开(公告)日：2007-05-15

申请号：US11586273

申请日：2006-10-25

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： G06Q20/042 ,  G06Q20/40 ,  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 may be dispensed to the user from the ATM in exchange for the deposited checks.

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取图像和磁性数据，以确定检查的真实性以及用户接收用于这种检查的现金的权限。 现金可以从ATM分配给用户，以换取已存的支票。

公开(公告)号：US07090122B1

公开(公告)日：2006-08-15

申请号：US10944579

申请日：2004-09-16

申请人： Wayne Warren ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Martin J. Brown ,  Dale H. Blackson ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Tim Crews ,  H. Thomas Graef ,  Edward L. Laskowski

发明人： Wayne Warren ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Martin J. Brown ,  Dale H. Blackson ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Tim Crews ,  H. Thomas Graef ,  Edward L. Laskowski

IPC分类号： G07F19/00

CPC分类号： G07F19/202 ,  G06Q20/042 ,  G06Q20/1085 ,  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 authority of a user to receive cash for such checks. The authority of the user is determined based on the user being associated in a data store with the maker of the check. The check cannot exceed certain programmed thresholds or be presented earlier than the expiration of a delay period from when a prior check from the same maker is presented. In exchange for acceptable 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以从存放的检查获取图像和磁数据，以确定用户接收用于这种检查的现金的权限。 用户的权限基于用户与支票的制造商在数据存储中相关联来确定。 支票不能超过某些已编程的门槛，或者在提前同一制造商的先前支票的延迟期限到期之前提出。 为了交换可接受的检查，现金从ATM分配给用户以换取存入支票。

公开(公告)号：US08613388B2

公开(公告)日：2013-12-24

申请号：US13428007

申请日：2012-03-23

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. Dominick ,  Jasen 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. Dominick ,  Jasen 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

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

摘要： An automated banking machine operates responsive to data read from user cards to accept checks and dispense cash to authorized machine users. The machine can compare image data and magnetic data obtained from a check to determine the genuineness of the check. The machine can also determine whether a machine user is authorized to exchange a check for cash. A cash dispenser can be operated to dispense cash to a machine user in exchange for a deposited check. The machine dispenses the cash responsive to communications with a transaction host.

摘要翻译： 一种自动银行业务器响应于从用户卡读取的数据来接受对被授权的机器用户的支票和现金的操作。 该机器可以比较从支票获取的图像数据和磁数据，以确定支票的真实性。 机器还可以确定机器用户是否有权交换支票以支付现金。 可以使用自动取款机将现金分配给机器用户以换取存放支票。 该机器响应于与交易主机的通信而分配现金。

公开(公告)号：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：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：US07419093B1

公开(公告)日：2008-09-02

申请号：US11728882

申请日：2007-03-27

申请人： Dale H. Blackson ,  Edward L. Laskowski ,  Tim Crews ,  Wayne Warren ,  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： Dale H. Blackson ,  Edward L. Laskowski ,  Tim Crews ,  Wayne Warren ,  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： 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：US07677442B2

公开(公告)日：2010-03-16

申请号：US11370430

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 ,  Wayne Warren ,  Martin J. Brown ,  Todd Galloway ,  Kenneth Turocy ,  Douglas T. Dominick ,  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. Dominick ,  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

CPC分类号： G07D11/0084 ,  G06Q20/042 ,  G06Q20/1085 ,  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 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.

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取图像和磁性数据，以确定检查的真实性以及用户接收用于这种检查的现金的权限。 现金可以从ATM分配给用户，以换取押金支票。 自动取款机响应于与交易主机的通信分配现金。

公开(公告)号：US07611048B1

公开(公告)日：2009-11-03

申请号：US12288205

申请日：2008-10-17

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。