公开(公告)号：US08479983B1

公开(公告)日：2013-07-09

申请号：US13608255

申请日：2012-09-10

申请人： James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson

发明人： James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson

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。

公开(公告)号：US08459546B1

公开(公告)日：2013-06-11

申请号：US13479483

申请日：2012-05-24

申请人： James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson

发明人： James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson

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。

公开(公告)号：US08152055B2

公开(公告)日：2012-04-10

申请号：US13134128

申请日：2011-05-31

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

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：US20110309141A1

公开(公告)日：2011-12-22

申请号：US13199518

申请日：2011-09-01

申请人： Natarajan Ramachandran ,  Mark Owens ,  Mark D. Smith ,  Sean Haney ,  Andrew Junkins ,  Matthew Force ,  H. Thomas Graef ,  Elizabeth M. Herrera ,  Robert G. Miller ,  Roy Mleziva ,  Jeffrey A. Hill

发明人： Natarajan Ramachandran ,  Mark Owens ,  Mark D. Smith ,  Sean Haney ,  Andrew Junkins ,  Matthew Force ,  H. Thomas Graef ,  Elizabeth M. Herrera ,  Robert G. Miller ,  Roy Mleziva ,  Jeffrey A. Hill

IPC分类号： G06Q40/00

CPC分类号： G07F19/203 ,  G06Q20/10 ,  G06Q20/1085 ,  G06Q20/3674 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q20/40145 ,  G06Q30/0609 ,  G07C9/00158 ,  G07C2011/02 ,  G07F19/20 ,  G07F19/201

摘要： A cash dispensing banking machine that operates responsive to data bearing records includes a card reader that reads identifying data from a user card. The machine dispenses cash from a cash dispenser for a financial account without causing the card reader device to read data from a card corresponding to the financial account, when a determination indicates that a voice of the user corresponds to a particular recognized user stored in a data store in correlated relation with the financial account.

摘要翻译： 响应于数据承载记录操作的现金分配银行机包括从用户卡读取识别数据的读卡器。 当确定指示用户的语音对应于存储在数据中的特定识别用户时，机器从金融账户的自动取款机分配现金，而不会导致读卡器设备从对应于金融帐户的卡中读取数据 与财务账户存在相关关系。

公开(公告)号：US07591413B1

公开(公告)日：2009-09-22

申请号：US11229944

申请日：2005-09-19

申请人： James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale Blackson

发明人： James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale Blackson

IPC分类号： G06F17/60

CPC分类号： G07F19/207 ,  G07F19/20

摘要： An automated banking machine includes a Global Positioning System (GPS). The machine can transmit a GPS location reading to a security center. The security center can compare the received GPS location to a location assigned to the machine. If the compared locations do not match then a determination is made that the machine was stolen. Responsive to a determination of theft, dye packs located in the machine can be activated to stain cash therein. The dye packs can also be set off if the machine's safe door is opened without the following a predetermined sequence for opening the door. Thus, cash in a stolen automated banking machine can be rendered as unusable.

摘要翻译： 自动银行机包括全球定位系统（GPS）。 该机器可以将GPS位置读数传输到安全中心。 安全中心可以将接收到的GPS位置与分配给机器的位置进行比较。 如果比较的位置不匹配，则确定机器被盗。 响应于盗窃的确定，位于机器中的染料包可以被激活以污染其中的现金。 如果机器的安全门打开而没有按照预定的打开门的顺序，染色包也可以被关闭。 因此，被盗的自动银行机器中的现金可以被渲染为不可用的。

公开(公告)号：US07513413B2

公开(公告)日：2009-04-07

申请号：US10852795

申请日：2004-05-25

申请人： H. Thomas Graef ,  Edward L. Laskowski ,  William D. Beskitt ,  Michael Harty ,  Jeffrey Eastman ,  Richard J. Phelps ,  Natarajan Ramachandran

发明人： H. Thomas Graef ,  Edward L. Laskowski ,  William D. Beskitt ,  Michael Harty ,  Jeffrey Eastman ,  Richard J. Phelps ,  Natarajan Ramachandran

IPC分类号： G07F19/00

CPC分类号： B65H83/025 ,  B65H29/06 ,  B65H29/40 ,  B65H2301/42122 ,  B65H2301/42146 ,  B65H2404/651 ,  B65H2404/655 ,  B65H2404/657 ,  B65H2701/1912 ,  G07D7/00 ,  G07D7/12 ,  G07D7/181 ,  G07D7/20 ,  G07D11/0003 ,  G07D11/0051 ,  G07D11/0054 ,  G07F19/20 ,  G07F19/201 ,  G07F19/202 ,  G07F19/203

摘要： The apparatus enables identifying data relating to a suspect currency note received by an ATM to be correlated with identifying data relating to the depositor of the suspect note. A note validator can assess the validity of received notes. Data can be generated that is usable to identify each suspect note and identify the person from whom the suspect note was received. The data usable to identify a suspect note can correspond to its serial number. The data usable to identify the person can correspond to an account number and/or a biometric input. The suspect note/depositor identifying data can be stored in correlated relation in a data store enabling each suspect note to be linked to a person. Thus, the validity of a received note can be determined, a suspect note can be identified, and correlating data usable to identify the suspect note depositor can be stored.

摘要翻译： 该装置能够识别与由ATM接收的可疑货币相关的数据与与可疑票据的存款人有关的识别数据相关联。 笔记验证器可以评估收到的笔记的有效性。 可以生成可用于识别每个可疑笔记的数据，并识别接收到该嫌疑人笔记的人。 可用于识别可疑笔记的数据可以对应于其序列号。 用于识别人的数据可以对应于帐号和/或生物特征输入。 可疑笔记/存户识别数据可以以相关关系存储在数据存储器中，从而使每个可疑笔记都可以链接到一个人。 因此，可以确定收到的票据的有效性，可以识别可疑票据，并且可以存储可用于识别可疑票据存款人的相关数据。

公开(公告)号：US07407091B2

公开(公告)日：2008-08-05

申请号：US11825332

申请日：2007-07-06

申请人： H. Thomas Graef ,  Natarajan Ramachandran ,  Pedro Tula

发明人： H. Thomas Graef ,  Natarajan Ramachandran ,  Pedro Tula

IPC分类号： G07F19/00

CPC分类号： G07F1/041 ,  G07D11/0006 ,  G07D11/0018 ,  G07D11/0021 ,  G07D11/0081 ,  G07F19/20 ,  G07F19/202

摘要： An ATM can accept a bulk stack of currency notes for deposit from a customer. The ATM includes a stack transporter (400) that can rotate an accepted stack while relocating it to a predetermined location inside of the machine. The stack transporter includes a rotatable housing (406) in which a stack holder (404) is radially movable. The stack holder can receive a currency stack (411) deposited in a fascia opening (412) by a customer. The stack holder is retracted to move the stack away from the opening and into the housing to completely move the stack into the machine. The housing, having the bulk stack therein, is then rotated about an axis (408) to move the stack toward a stack processing area in the machine. The stack holder is then extended to expose a stack end out of the housing for stack processing.

摘要翻译： ATM可以接收大量的钞票，以便客户存款。 ATM包括堆叠传送器（400），其可以在将其重新定位到机器内部的预定位置的同时旋转被接受的堆叠。 堆叠传送器包括其中堆叠保持器（404）可径向移动的可旋转壳体（406）。 堆叠支架可以接收由客户存放在面板开口（412）中的货币堆（411）。 堆叠支架缩回以使堆叠从开口移动到壳体中以将堆叠完全移动到机器中。 然后将其中具有整体堆叠的壳体围绕轴线（408）旋转以将堆叠朝向机器中的堆叠处理区域移动。 堆叠架然后被延伸以将堆叠端部暴露出壳体以进行堆叠处理。

公开(公告)号：US06749111B2

公开(公告)日：2004-06-15

申请号：US09993070

申请日：2001-11-13

申请人： H. Thomas Graef ,  Edward D. Laskowsi ,  William D. Beskitt ,  Michael Harty ,  Jeffrey Eastman ,  Richard J. Phelps ,  Natarajan Ramachandran

发明人： H. Thomas Graef ,  Edward D. Laskowsi ,  William D. Beskitt ,  Michael Harty ,  Jeffrey Eastman ,  Richard J. Phelps ,  Natarajan Ramachandran

IPC分类号： G06F1760

CPC分类号： B65H3/00 ,  B65H29/06 ,  B65H29/40 ,  B65H29/60 ,  B65H39/02 ,  B65H83/025 ,  B65H2301/42122 ,  B65H2301/42146 ,  B65H2404/261 ,  B65H2404/651 ,  B65H2404/655 ,  B65H2404/657 ,  B65H2701/1912 ,  G06Q20/108 ,  G07D7/12 ,  G07D7/181 ,  G07D7/20 ,  G07D11/0003 ,  G07D11/0018 ,  G07D11/0021 ,  G07D11/0048 ,  G07D11/0051 ,  G07D11/0054 ,  G07D11/0066 ,  G07D11/009 ,  G07F19/20 ,  G07F19/201 ,  G07F19/202 ,  G07F19/203

摘要： An automated banking machine (10) includes a user interface (12) including an opening (20). Users of the machine deliver individual sheets and stacks of sheets to and from the machine through the opening. Stacks of sheets may include sheets such as notes, checks or other documents. Stacks input to the machine may include mixtures of various types of sheets. The machine operates to receive notes, process checks and perform other operations. Notes received in the machine may be recycled and dispensed to other users. Checks processed by the machine may be imaged by an imaging device, cancelled and stored in the machine or alternatively returned to a user. Documents produced by the machine such as receipts, checks or money orders as well as notes dispensed from the machine are assembled into a stack within the machine and delivered from the machine through the opening.

公开(公告)号：US08561888B1

公开(公告)日：2013-10-22

申请号：US13135673

申请日：2011-07-12

申请人： H. Thomas Graef ,  Sathish Irudayam ,  Natarajan Ramachandran

发明人： H. Thomas Graef ,  Sathish Irudayam ,  Natarajan Ramachandran

IPC分类号： G06F19/00

CPC分类号： B65H29/12 ,  B65H3/042 ,  B65H15/00 ,  B65H29/60 ,  B65H29/70 ,  B65H39/02 ,  B65H2301/3122 ,  B65H2301/33314 ,  B65H2301/42122 ,  B65H2301/4213 ,  B65H2301/4318 ,  B65H2403/942 ,  B65H2404/1532 ,  B65H2404/261 ,  B65H2404/262 ,  B65H2404/2693 ,  B65H2404/7412 ,  B65H2404/7414 ,  B65H2511/514 ,  B65H2701/1313 ,  B65H2701/18264 ,  B65H2701/18268 ,  B65H2701/1912 ,  B65H2701/1916 ,  G06Q20/042 ,  G06Q20/108 ,  G07D7/12 ,  G07D7/181 ,  G07D7/20 ,  G07D11/0003 ,  G07D11/0018 ,  G07D11/0021 ,  G07D11/0048 ,  G07D11/0051 ,  G07D11/0054 ,  G07D11/0066 ,  G07D11/009 ,  G07F19/20 ,  G07F19/201 ,  G07F19/202 ,  G07F19/203 ,  B65H2220/01

摘要： An automated banking machine operates to cause financial transfers responsive to card data read from user cards by a card reader. The financial transfers involve accounts that correspond to the read card data. The machine includes drive belts, rotatable idler rollers, and sensors positioned along a stack transport path. A stack of aligned currency notes is moved by the drive belts while the stack is situated between the belts and the rollers. The belts engage the face of an end note at one side of the stack while the stack bearing rollers contact the face of the other end note at the other side of the stack. The rollers' rolling contact with the stack earns sufficiently low friction that keeps the currency notes in alignment as the stack is moved along the transport path to a machine user during a cash dispensing operation.

摘要翻译： 自动银行机操作以响应于读卡器从用户卡读取的卡数据来进行财务转账。 财务转移涉及与读卡数据相对应的帐户。 该机器包括传动带，可旋转的惰轮和沿着堆叠传送路径定位的传感器。 一堆对齐的货币纸币由传动带移动，而堆叠位于带和辊之间。 皮带在纸堆的一侧接合末端纸的表面，而纸堆轴承辊接触纸堆另一端的另一端纸币的表面。 辊子与堆叠的滚动接触获得足够低的摩擦力，以便在货币分配操作期间，堆叠沿着输送路径移动到机器用户时保持货币对齐。

公开(公告)号：US08418917B1

公开(公告)日：2013-04-16

申请号：US13404643

申请日：2012-02-24

申请人： 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

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

IPC分类号： G06Q40/00 ,  G07D11/00 ,  G07F19/00

CPC分类号： G06K7/0004 ,  G06K13/08 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/1085 ,  G06Q20/32 ,  G06Q20/3227 ,  G06Q20/3274 ,  G06Q20/352 ,  G06Q20/385 ,  G06Q30/0237 ,  G07F7/10 ,  G07F7/1075 ,  G07F19/20 ,  G07F19/205

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 machine also includes a PIN keypad. The card reader can send encrypted card data to the keypad. The keypad can decipher the encrypted card data. The keypad can encrypt both deciphered card data and a received user PIN. The card data and the PIN are usable by the machine to authorize a user to carry out a financial transfer involving the account.