公开(公告)号：US07954703B2

公开(公告)日：2011-06-07

申请号：US12800878

申请日：2010-05-25

申请人： Willis Miller ,  Matthew R. Zaugg ,  James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Mark A. Douglass ,  Dale H. Blackson

发明人： Willis Miller ,  Matthew R. Zaugg ,  James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Mark A. Douglass ,  Dale H. Blackson

IPC分类号： G06K5/00

CPC分类号： G07F19/201 ,  G06Q20/1085 ,  G06Q20/322 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q20/388 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q20/40145 ,  G06Q20/425 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/205

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, 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 within a predetermined amount of time.

摘要翻译： 银行系统的操作是响应于读卡器从数据记录读取的卡数据进行财务转移。 该系统包括至少一个包括自动提款机的自动银行机。 该系统在现金分配交易请求期间操作以通过自动银行机接收用户输入与移动电话号码相对应的数据。 该系统用于生成所请求的现金分配交易的安全代码。 系统使用电话号码将生成的安全码发送到手机。 仅当系统在预定时间内接收到所发送的安全码的机器用户输入时，允许现金分配交易进行。

公开(公告)号：US08496168B1

公开(公告)日：2013-07-30

申请号：US13135526

申请日：2011-07-07

申请人： Willis Miller ,  Matthew R. Zaugg ,  James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Mark A. Douglass

发明人： Willis Miller ,  Matthew R. Zaugg ,  James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Mark A. Douglass

IPC分类号： G07F19/00 ,  G06Q40/00

CPC分类号： G07F19/20 ,  G06Q20/3221 ,  G07F19/2055 ,  G07F19/211

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 financial accounts from user cards. The card data is linked in at least one data store to data indicating that the card data corresponds to a financial account that is authorized to be used to conduct at least one transaction through use of the automated banking machine. The automated banking machine may be used to carry out financial transfers involving financial accounts by users who are determined to be authorized users of such accounts. Data corresponding to a financial account can also be linked to a mobile wireless device through inputs by an authorized user through an input device of the automated banking machine.

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，用于从用户卡读取对应于金融账户的卡数据。 卡数据在至少一个数据存储器中链接到指示卡数据对应于被授权用于通过使用自动银行机进行至少一个交易的金融账户的数据。 自动银行机器可以用于执行涉及金融账户的金融转帐，这些用户被确定为这种账户的授权用户。 与金融账户对应的数据也可以通过授权用户通过自动银行机的输入设备的输入链接到移动无线设备。

公开(公告)号：US08479978B1

公开(公告)日：2013-07-09

申请号：US12803255

申请日：2010-06-22

申请人： Willis Miller ,  Matthew R. Zaugg ,  James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Mark A. Douglass ,  Michael Scanlon ,  Caron R. Blackson

发明人： Willis Miller ,  Matthew R. Zaugg ,  James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Mark A. Douglass ,  Michael Scanlon ,  Dale H. Blackson

IPC分类号： G07F19/00

CPC分类号： G07F19/20 ,  G07F19/2055 ,  G07F19/211

摘要： An automated banking machine is part of a banking system that operates to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that operates to read data from user cards corresponding to financial accounts. A card account's status is listed in a data store as either blocked or unblocked for use in approving transactions on the account. A transaction on an account cannot be carried out unless the account has an unblocked status. Similarly, no transaction is carried out on an account having a blocked status. Read card data is sent from the machine to a remote card security computer which determines the card account status from the data store. If the account is unblocked, then the machine can continue with the transaction and seek transaction approval from a host computer associated with the automated banking machine.

摘要翻译： 自动银行机器是银行系统的一部分，用于响应于从数据记录中读取的数据进行财务转移。 该机器包括读卡器，用于从与财务帐户对应的用户卡读取数据。 卡片帐户的状态在数据存储中列为阻止或解除封锁以用于批准帐户上的交易。 除非帐户具有未阻止的状态，否则无法执行帐户上的交易。 类似地，在具有阻止状态的帐户上不执行任何交易。 读卡数据从机器发送到远程卡安全计算机，其从数据存储确定卡帐户状态。 如果该帐户被解除封锁，那么该机器可以继续交易，并从与自动银行机相关联的主机中寻求交易批准。

公开(公告)号：US08733635B2

公开(公告)日：2014-05-27

申请号：US13740809

申请日：2013-01-14

申请人： Caren R. Blackson ,  Diebold Self-Service Systems division of Diebold, Incorporated

发明人： Willis Miller ,  Matthew R. Zaugg ,  James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Mark A. Douglass ,  Dale H. Blackson

IPC分类号： G06K5/00

CPC分类号： G07F19/201 ,  G06Q20/1085 ,  G06Q20/322 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q20/388 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q20/40145 ,  G06Q20/425 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/205

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.

摘要翻译： 银行系统的操作是响应于读卡器从数据记录读取的卡数据进行财务转移。 该系统包括至少一个包括自动提款机的自动银行机。 该系统在现金分配交易请求期间操作，以通过自动银行机接收机器用户输入对应于移动电话号码的数据。 该系统用于生成所请求的现金分配交易的安全代码。 系统使用电话号码将生成的安全码发送到手机。 仅当系统接收到发送的安全码的机器用户输入时，才允许现金分发交易进行。