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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。
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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
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。
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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。
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14.发明授权Automated banking machine operation authorization based on user location verified by data read from data bearing records 有权基于从数据记录读取的数据验证的基于用户位置的自动银行机操作授权公开(公告)号：US08479983B1
公开(公告)日：2013-07-09
申请号：US13608255
申请日：2012-09-10
IPC分类号： G06F19/60
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 the 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 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 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 machine. The security arrangement helps prevent an unauthorized person from using a fraudulent machine 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）。 接收用户标识的机器导致确定手机的位置。 然后比较手机位置和机器位置。 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。 如果位置不对应，则当前用户被拒绝在机器处理。 安全安排有助于防止未经授权的人使用欺诈性机器卡访问财务帐户。
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公开(公告)号：US08459546B1
公开(公告)日：2013-06-11
申请号：US13479483
申请日：2012-05-24
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。
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公开(公告)号：US08261976B1
公开(公告)日：2012-09-11
申请号：US13136565
申请日：2011-08-04
IPC分类号： G06F19/60
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 the 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 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 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 machine. The security arrangement helps prevent an unauthorized person from using a fraudulent machine 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）。 接收用户标识的机器导致确定手机的位置。 然后比较手机位置和机器位置。 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。 如果位置不对应，则当前用户被拒绝在机器处理。 安全安排有助于防止未经授权的人使用欺诈性机器卡访问财务帐户。
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公开(公告)号：US07992777B1
公开(公告)日：2011-08-09
申请号：US12806276
申请日：2010-08-09
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 ATM transaction request is authorized based on the determined location of an authorized user relative to the ATM. Identification of an authorized ATM user is linked to a remotely locatable item (e.g., a cell phone) of the authorized user. An ATM receiving the identification causes the location of the cell phone to be determined. A comparison is then made of the cell phone location and the ATM location. If the locations correspond, then the current ATM user is recognized as the authorized user and ATM transactions are permitted. If the locations do not correspond, then the current ATM user is denied ATM transactions. The security arrangement can prevent an unauthorized ATM user from using a fraudulent ATM card to access a financial account.
摘要翻译： 基于所确定的授权用户相对于ATM的位置来授权ATM交易请求。 授权ATM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）。 接收到该标识的ATM使得确定手机的位置。 然后比较手机位置和ATM位置。 如果位置对应，则当前ATM用户被认定为授权用户，并允许ATM交易。 如果位置不对应，则当前ATM用户被拒绝ATM交易。 安全安排可以防止未经授权的ATM用户使用欺诈ATM卡访问财务帐户。
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公开(公告)号：US08186578B1
公开(公告)日：2012-05-29
申请号：US13136698
申请日：2011-08-08
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。
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公开(公告)号：US08127983B1
公开(公告)日：2012-03-06
申请号：US12586468
申请日：2009-09-21
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。
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公开(公告)号：US07861924B1
公开(公告)日：2011-01-04
申请号：US12455602
申请日：2009-06-03
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。
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