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    AUTOMATED BANKING MACHINE THAT OPERATES RESPONSIVE TO DATA BEARING RECORDS
    21.
    发明申请
    AUTOMATED BANKING MACHINE THAT OPERATES RESPONSIVE TO DATA BEARING RECORDS 有权
    自动化的机器对数据轴承记录负责

    公开(公告)号：US20110062232A1

    公开(公告)日：2011-03-17

    申请号：US12948914

    申请日：2010-11-18

    申请人： Mark D. Smith ,  Jay Paul Drummond ,  Michael A. Meffie ,  Daniel D. Wasil

    发明人： Mark D. Smith ,  Jay Paul Drummond ,  Michael A. Meffie ,  Daniel D. Wasil

    IPC分类号： G07F19/00

    CPC分类号： G07F19/20 ,  G06Q20/042 ,  G06Q20/1085 ,  G06Q40/00 ,  G06Q40/02 ,  G07F7/04 ,  G07F19/201 ,  G07F19/206 ,  G07F19/211

    摘要： A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including identifying data, and authorizes operation of an automated banking machine responsive to the identifying data. The automated banking machine is operative to generate a check in response to inputs from a user of the banking machine. The banking machine is operative to present the check to a user of the automated banking machine. The banking machine is operative to present an interface or other method for a user to sign the check. The user's banking account is charged an amount corresponding to the value of the check. In exchange for the check being presented at the same banking machine that generated the check, the banking machine provides the user with cash dispensed from the automated banking machine.

    摘要翻译： 响应于数据承载记录控制的系统包括读卡器，其可操作以从用户卡读取卡数据，包括识别数据，以及响应于识别数据授权自动银行机的操作。 自动银行机可操作地响应来自银行机的用户的输入而产生支票。 银行机器可操作地向自动银行机的用户呈现支票。 银行业务器可以为用户提供一种接口或其他方法来签署支票。 用户的银行帐户将收取与支票价值相对应的金额。 为了交换在产生支票的同一银行机器上提供的支票，银行机器向用户提供从自动银行机器分配的现金。

    Application service provider and automated transaction machine system and method
    23.
    发明授权
    Application service provider and automated transaction machine system and method 有权
    应用服务提供商和自动交易机系统及方法

    公开(公告)号：US07725393B2

    公开(公告)日：2010-05-25

    申请号：US10356849

    申请日：2003-02-03

    申请人： Jay Paul Drummond ,  Dale H. Blackson ,  Mark D. Smith

    发明人： Jay Paul Drummond ,  Dale H. Blackson ,  Mark D. Smith

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

    CPC分类号： H04L67/34 ,  G06F3/023 ,  G06F3/04895 ,  G06F17/30861 ,  G06Q20/00 ,  G06Q20/042 ,  G06Q20/1085 ,  G06Q20/18 ,  G06Q30/06 ,  G06Q40/00 ,  G07F19/20 ,  G07F19/201 ,  G07F19/206 ,  G07F19/211 ,  H04L29/06 ,  H04L63/12 ,  H04L67/02 ,  H04L67/12 ,  H04L69/329

    摘要： A plurality of ATMs of different financial institutions include ATM software that enables them to individually selectively access different ATM applications through network communication with a remote server of an application service provider (ASP). The ATM software also allows the ATMs to carry out transaction responsive to instructions included in ATM application accessed from the ASP server. The ASP server uses a thin client model or remote windowing to execute individual ATM application sessions for each ATM connected to the server. The ATMs run limited capability thin client software to serve as portals to the ATM sessions executing on the ASP servers. The right to access ASP server side ATM applications is provided to the financial institutions in exchange for payment to the ASP. Server software can cause charges to be assessed on a time basis, a per ATM basis, or a per transaction basis.

    摘要翻译： 不同金融机构的多个ATM包括ATM软件，其使得它们能够通过与应用服务提供商（ASP）的远程服务器的网络通信来单独选择性地访问不同的ATM应用。 ATM软件还允许ATM响应于从ASP服务器访问的ATM应用中包含的指令进行交易。 ASP服务器使用瘦客户端模型或远程窗口来为连接到服务器的每个ATM执行单独的ATM应用程序会话。 ATM运行有限能力的瘦客户机软件，作为在ASP服务器上执行的ATM会话的门户。 向金融机构提供访问ASP服务器端ATM应用程序的权利，以交换对ASP的支付。 服务器软件可能导致费用在时间基础上，每个ATM基础或每个交易基础上进行评估。

    System and method of operating an automated banking machine system and method with inputs from a portable wireless device
    28.
    发明授权
    System and method of operating an automated banking machine system and method with inputs from a portable wireless device 有权
    使用便携式无线设备的输入来操作自动银行业务系统和方法的系统和方法

    公开(公告)号：US07490758B2

    公开(公告)日：2009-02-17

    申请号：US11345429

    申请日：2006-01-31

    申请人： Jay Paul Drummond ,  Mark D. Smith ,  Natarajan Ramachandran

    发明人： Jay Paul Drummond ,  Mark D. Smith ,  Natarajan Ramachandran

    IPC分类号： G06F19/00

    CPC分类号： G07F19/20 ,  G06Q20/327 ,  G07F19/201

    摘要： A system and method for enabling a portable wireless devices to operate an automated teller machine (ATM) including cash dispenser is provided. The portable device includes at least one input device and at least one output device. The portable device is responsive to at least one input to the input device to wirelessly communicate with the ATM to carry out at least one financial transaction. The financial transaction may include causing the ATM to dispense cash, accept a deposit, or transfer value between banking accounts.

    摘要翻译： 提供了一种使便携式无线设备能够操作包括自动提款机的自动取款机（ATM）的系统和方法。 便携式设备包括至少一个输入设备和至少一个输出设备。 便携式设备响应于输入设备的至少一个输入以与ATM无线通信以执行至少一个金融交易。 金融交易可能包括使ATM在银行账户之间分配现金，接受存款或转移价值。

    Automated banking machine apparatus and system
    30.
    发明授权
    Automated banking machine apparatus and system 有权

    公开(公告)号：US06970845B1

    公开(公告)日：2005-11-29

    申请号：US09193791

    申请日：1998-11-17

    申请人： Jay Paul Drummond ,  Dale Blackson ,  Bob A. Cichon ,  Joseph C. Ess ,  Mark A. Moales ,  David W. Weis ,  Mark D. Smith ,  James Church

    发明人： Jay Paul Drummond ,  Dale Blackson ,  Bob A. Cichon ,  Joseph C. Ess ,  Mark A. Moales ,  David W. Weis ,  Mark D. Smith ,  James Church

    IPC分类号： G06Q40/00 ,  G06F17/60

    CPC分类号： G06Q40/02 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q40/00

    摘要： An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16), as well as in response to messages exchanged with foreign servers (20, 22, 24, 26, 28, 96) in a wide area network (18). The banking machine includes a computer (34) having an HTML document handling portion (76, 80, 82). The HTML document handling portion is operative to communicate through a proxy server (88), with a home HTTP server (90) in the intranet or the foreign servers in the wide area network. The computer further includes a device application portion (84) which interfaces with the HTML document handling portion and dispatches messages to operate devices (36) in the automated banking machine. The devices include a sheet dispenser mechanism (42) which dispenses currency as well as other transaction devices. The device application portion communicates with a device interfacing software portion (64) in the banking machine through a device server (92) in the intranet. The device server maintains local control over the devices in the banking machine including the sheet dispenser. The banking machine operates to read indicia on the user's card corresponding to a system address. The computer is operative to connect the banking machine to the home or foreign server corresponding to the system address, which connected server operates the banking machine until the completion of transactions by the user.