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31.发明申请公开(公告)号：US20130232065A1
公开(公告)日：2013-09-05
申请号：US13862618
申请日：2013-04-15
CPC分类号： G06Q20/3223 , G06K9/00442 , G06K9/18 , G06Q20/042 , G06Q20/1085 , G06Q20/3221 , G06Q20/40 , G06Q20/4016 , G06Q40/00 , G07F7/04 , G07F19/20 , G07F19/201 , G07F19/203 , G07F19/211
摘要： A card actuated automated banking machine (152, 198, 200) includes a plurality of transaction function devices. The transaction function devices include a card reader (170), a printer (174), a bill dispenser (176), a display (182), a check imaging device (186), and at least one processor (190). The machine is operative, responsive to receiving a check and certification data, to dispense cash in exchange for the check. The person presenting the check to the machine need not provide user identifying inputs through input devices of the machine in order to receive cash for the check. Furthermore, prior to accepting the check as a payment, the person can communicate with at least one computer (204) through at least one consumer interface device (208) to verify that the check is payable for the check amount.
摘要翻译： 卡致动自动银行机（152,198,200）包括多个交易功能装置。 交易功能设备包括读卡器（170），打印机（174），纸币分配器（176），显示器（182），检查成像设备（186）和至少一个处理器（190）。 该机器可操作，响应于收到支票和认证数据，分配现金以换取支票。 向机器呈现支票的人不需要通过机器的输入设备提供用户识别输入，以便接收支票的现金。 此外，在接受支票作为付款之前，该人可以通过至少一个消费者接口设备（208）与至少一台计算机（204）进行通信，以验证支票是否支付支票金额。
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公开(公告)号：US09911104B2
公开(公告)日：2018-03-06
申请号：US14993853
申请日：2016-01-12
发明人： Paul D. Magee , James Block , Randall W. Jenkins , Tim Crews , Michael J. Harty , Richard C. Lute , Klaus Steinbach , Natarajan Ramachandran , Songtao Ma , Sathish Irudayam , Robert Konecny , James D. Atkinson
IPC分类号： G06Q20/10 , G07F19/00 , G06F3/02 , G06F3/0481 , G06F3/0482 , G06F3/0484 , G06F3/0488 , G06F3/14 , G06F3/16 , G06Q20/40 , G09G5/12 , G09G5/14
CPC分类号： G06Q20/1085 , G06F3/02 , G06F3/04812 , G06F3/0482 , G06F3/04842 , G06F3/04845 , G06F3/04883 , G06F3/14 , G06F3/16 , G06Q20/401 , G07F19/201 , G09G5/12 , G09G5/14 , G09G2370/16
摘要： An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and a display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. Machine instructions are output and user transaction inputs can be received through either a primary or an auxiliary touch screen display.
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公开(公告)号：US09767422B2
公开(公告)日：2017-09-19
申请号：US14206429
申请日：2014-03-12
发明人： Greg Ray , David Lewis , Randall W. Jenkins , Jim Block , Songtao Ma , Natarajan Ramachandran , Jeffery M. Enright , James Pettitt
CPC分类号： G06Q10/06 , G07F19/2055
摘要： In an example embodiment, an automated banking machine that includes an anti-fraud arrangement that can deter effective operation of unauthorized devices attached to the machine. The arrangement allows for the machine's card slot bezel to be frequently exchanged for a differently configured card slot bezel, where the bezel configuration is displayed to a potential user.
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公开(公告)号：US20170193759A1
公开(公告)日：2017-07-06
申请号：US15408139
申请日：2017-01-17
发明人： Eric Toepke , Mike R. Ryan , Randall W. Jenkins , Natarajan Ramachandran , Thomas D. Ertle , Tim Crews , Willis Miller , Nicholas T. Billett, JR. , Steven Shepley , Dave Krzic , Songtao Ma , Victor A. Cogan
IPC分类号： G07F19/00
CPC分类号： G07F19/209 , G06F1/32 , G06F1/3293 , G06Q20/1085 , G07F19/20 , G07F19/206 , G07F19/207 , Y02D10/122 , Y10S902/08
摘要： An automatic banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to included devices to avoid exceeding power supply capacity.
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公开(公告)号：US09658763B2
公开(公告)日：2017-05-23
申请号：US14799333
申请日：2015-07-14
IPC分类号： G06Q40/00 , G06F3/0488 , G07F19/00 , G06Q20/10 , G06F3/041 , G06F21/31 , G06F3/0482 , G06Q40/02
CPC分类号： G06F3/0488 , G06F3/041 , G06F3/0482 , G06F21/31 , G06F2203/04104 , G06Q20/10 , G06Q20/4014 , G06Q40/02 , G07F19/201 , G07F19/205
摘要： An apparatus that operates to cause financial transfers responsive to data read from data bearing records includes at least one processor that is in operative connection with a card reader and a touch screen display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination that the read card data corresponds to an authorized financial account. Data corresponding to a user input character is resolved by the at least one processor responsive to contact with the touch screen display input surface, which may not include any visible output indicia that corresponds to the input character.
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公开(公告)号：US20170098205A1
公开(公告)日：2017-04-06
申请号：US15366290
申请日：2016-12-01
发明人： James Block , H. Thomas GRAEF , Paul D. Magee , Donald S. Nelson, JR. , James Meek , Daniel S. McINTYRE , Mark A. DEPIETRO , Natarajan Ramachandran
CPC分类号： G06Q20/1085 , G06Q20/042 , G06Q20/409 , G07F19/20 , G07F19/202
摘要： An automated banking machine is operated at least in part to data read from data bearing records. The machine is operative to carry out a financial transfer responsive at least in part to a determination that data read through a card reader of the machine corresponds to a financial account that is authorized to conduct a transaction through operation of the machine. The machine also includes a check acceptor operative to receive checks from machine users. The check acceptor is operative image checks and data resolved from check images is used in operation of the machine to cause financial transfers.
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公开(公告)号：US09607485B2
公开(公告)日：2017-03-28
申请号：US15195486
申请日：2016-06-28
发明人： David N. Lewis , Jeffery M. Enright , Natarajan Ramachandran , Mark A. Douglass , Tim Crews , Songtao Ma , Randall W. Jenkins , H. Thomas Graef , Sathish M. Irudayam , Klaus Steinbach
CPC分类号： G07F19/2055 , G06K7/0004 , G06K7/084 , G06K19/07345 , G06K19/07381 , G07F19/201
摘要： A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The card data is usable by the machine to authorize a user to carry out a financial transfer involving the account.
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38.发明授权Automated banking machine that outputs interference signals to jam reading ability of unauthorized card reader devices 有权自动银行机器输出干扰信号，阻止未经授权的读卡器设备的阅读能力公开(公告)号：US09203548B2
公开(公告)日：2015-12-01
申请号：US14092676
申请日：2013-11-27
发明人： Gregory S. Ray , David N. Lewis , Randall Jenkins , James Block , Songtao Ma , Natarajan Ramachandran , Jeffery Enright , James E. Pettitt
摘要： A banking system is controlled responsive to data read from data bearing records. The system comprises an automated banking machine. The machine includes at least one type of data reader, which includes a card reader. The machine also includes an anti-fraud arrangement that can deter effective operation of unauthorized devices attached to the machine. Such unauthorized devices may include a fraudulent card reader placed adjacent to a card entry slot that leads to the card reader. The arrangement can sense a fraudulent card reader installed on the machine. The arrangement can additionally emit jamming signals that interfere with an ability of a sensed fraudulent card reader to accurately read card data.
摘要翻译： 响应于从数据记录读取的数据来控制银行系统。 该系统包括自动银行机。 该机器包括至少一种类型的数据读取器，其包括读卡器。 该机器还包括可以阻止附着在机器上的未授权设备的有效操作的反欺诈安排。 这种未经授权的设备可以包括与通向读卡器的卡入口槽相邻放置的欺诈读卡器。 该装置可以感测安装在机器上的欺诈读卡器。 该装置还可以发出妨碍感测到的欺诈读卡器精确读取卡片数据的能力的干扰信号。
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公开(公告)号：US09129467B2
公开(公告)日：2015-09-08
申请号：US14551636
申请日：2014-11-24
发明人： Songtao Ma , Eric Toepke , Mike R. Ryan , Randall W. Jenkins , Natarajan Ramachandran , Thomas D. Ertle , Tim Crews , Willis Miller , Nick Billett , Steven Shepley , Dave Krzic , Victor A. Cogan
CPC分类号： G07F19/209 , G06F1/32 , G06F1/3293 , G06Q20/1085 , G07F19/20 , G07F19/206 , G07F19/207 , Y02D10/122 , Y10S902/08
摘要： An automated banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The automated banking machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to transaction function devices such as the card reader to avoid exceeding power supply capacity.
摘要翻译： 自动银行业务器响应从与授权用户或财务账户数据相对应的数据承载记录读取的数据。 自动银行机包括用于从用户卡读取数据的读卡器。 自动银行机器引起与财务帐户相关的财务转移，这些转账对应于从用户卡读取的数据。 自动银行机还包括控制诸如读卡器的交易功能设备的电力供应以避免超过电力供应能力的设备。
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40.发明授权Automated banking machine that employs a virtual person for assisting customers 有权自动银行机器，雇佣虚拟人员来协助客户公开(公告)号：US09098961B1
公开(公告)日：2015-08-04
申请号：US13714617
申请日：2012-12-14
发明人： James Block , H Thomas Graef , Paul D Magee , Donald S Nelson, Jr. , James Meek , Daniel S McIntyre , Mark DePietro , Natarajan Ramachandran
CPC分类号： G07F19/201 , G07F19/206
摘要： In an example embodiment, an automated banking machine that includes a computer, a camera, a display and an audio output device and is operative to cause visual outputs through the display and audio outputs through the audio output device, which correspond to a simulated person. The camera is in operative connection with the computer, and provides camera data to the computer. The computer is responsive at least in part to the camera data to cause eyes of the output simulated person to be directed toward the eyes of the machine user.
摘要翻译： 在一个示例性实施例中，一种包括计算机，照相机，显示器和音频输出设备的自动银行机器，其操作是通过与模拟人物对应的音频输出设备通过显示器和音频输出引起视觉输出。 相机与计算机可操作连接，并将相机数据提供给计算机。 计算机至少部分地响应于相机数据，以使输出模拟人的眼睛朝向机器用户的眼睛。
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