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.

公开(公告)号：US07140539B1

公开(公告)日：2006-11-28

申请号：US11168028

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： G06F17/00 ,  G07F19/00

CPC分类号： G07F19/202 ,  G06Q20/042 ,  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.

公开(公告)号：US07137551B1

公开(公告)日：2006-11-21

申请号：US11168077

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： G07F19/00

CPC分类号： G07F19/202 ,  G06Q20/042 ,  G06Q20/40 ,  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.

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。 现金可以从ATM分配给用户，以换取已存的支票。

公开(公告)号：US07780074B1

公开(公告)日：2010-08-24

申请号：US11604033

申请日：2006-11-22

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 ,  G06F17/00

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

摘要： An automated banking machine system and method includes ATMs which can accept checks and dispense cash. Cash can be dispensed to an authorized user in exchange for one or more checks received from the user during a transaction session. Following closure of the transaction session, the ATM analyzes image and magnetic data from a received check to determine an analyzed check value. The ATM then determines whether the analyzed check value corresponds to a check value inputted by the user. With corresponding values, the user account is credited with the check value. Without corresponding values, the user account balance is adjusted accordingly and the user is notified of the discrepancy.

摘要翻译： 自动银行机系统和方法包括可以接受支票和现金支付的ATM。 可以将现金分配给授权用户，以换取在交易会话期间从用户接收到的一个或多个支票。 在交易会话结束后，ATM从接收到的支票中分析图像和磁数据，以确定分析的检查值。 ATM然后确定所分析的检查值是否对应于用户输入的检查值。 使用相应的值，用户帐户将记入支票值。 没有相应的值，相应地调整用户帐户余额，并通知用户差异。

公开(公告)号：US07467744B1

公开(公告)日：2008-12-23

申请号：US11167976

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： G07F19/20 ,  G06Q20/042 ,  G06Q40/02 ,  G07D11/0087 ,  G07F7/04 ,  G07F19/202

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。 现金可以从ATM分配给用户，以换取已存的支票。

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。