公开(公告)号：US20110215143A1

公开(公告)日：2011-09-08

申请号：US13068355

申请日：2011-05-09

申请人： Jay Paul Drummond ,  Bob A. Cichon ,  Mark D. Smith ,  David Weis

发明人： Jay Paul Drummond ,  Bob A. Cichon ,  Mark D. Smith ,  David Weis

IPC分类号： G06Q40/00

CPC分类号： G07F19/211 ,  G06Q20/027 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q40/00 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/201 ,  G07F19/206 ,  H04L67/02

摘要： An automated banking machine operates to carry out financial transactions for authorized machine users responsive to user data read from data bearing records. The machine includes an input devices including a card reader which operates to read card data that is usable to identify a user or a user account. The machine also includes a cash dispenser that is selectively operative to dispense currency notes to authorized machine users. A computer causes financial accounts read by the card reader to be assessed a value for cash dispensed. The computer causes operation of the cash dispenser in response to receiving cash dispense instructions. The computer includes software that prevents cash dispenser operation in response to cash dispense instructions being received in communications from at least one remote address.

摘要翻译： 一个自动银行机器操作以响应于从数据记录读取的用户数据执行授权的机器用户的金融交易。 该机器包括输入设备，其包括读卡器，该读卡器操作以读取可用于识别用户或用户帐户的卡数据。 该机器还包括一个自动取款机，其有选择地操作以向授权的机器用户分配货币纸币。 计算机使读卡器阅读的财务帐目被评估为现金分配的价值。 计算机响应于接收到现金分配指示，导致自动提款机的操作。 计算机包括防止自动提款机操作以响应来自至少一个远程地址的通信中收到的现金分配指令的软件。

公开(公告)号：US20110068167A1

公开(公告)日：2011-03-24

申请号：US12927696

申请日：2010-11-22

申请人： Jay Paul Drummond ,  Bob A. Cichon ,  Mark D. Smith ,  David Weis

发明人： Jay Paul Drummond ,  Bob A. Cichon ,  Mark D. Smith ,  David Weis

IPC分类号： G07F19/00 ,  G06Q40/00

CPC分类号： G07F19/211 ,  G06Q20/027 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q40/00 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/201 ,  G07F19/206 ,  H04L67/02

摘要： An automated banking machine includes an input device including a card reader which operates to read data bearing records in the form of user cards. The card data is usable to identify a user or a user account. The machine also includes an output device and a cash dispenser selectively operative to dispense currency sheets to machine users. Software operating in a computer of the machine causes the computer to operate a cash dispenser in carrying out cash dispensing transactions where cash is dispensed to users whose read accounts are assessed for value associated with cash dispensed. The computer also processes a mark up language document. The software includes screening software operative to prevent the computer from operating the cash dispenser responsive to communication with at least one system address.

摘要翻译： 一种自动银行机包括一个输入装置，它包括读卡器，该读卡器操作以用户卡的形式读取数据承载记录。 卡数据可用于识别用户或用户帐户。 该机器还包括输出装置和自动提款机，其选择性地操作以向机器用户分配货币单。 在机器的计算机中操作的软件使得计算机操作自动取款机进行现金分配交易，其中现金分配给其读取账户被评估与分配的现金相关的价值的用户。 计算机还处理标记语言文档。 该软件包括操作以防止计算机响应于与至少一个系统地址的通信来操作自动提款机的筛选软件。

公开(公告)号：US20100088230A1

公开(公告)日：2010-04-08

申请号：US12587128

申请日：2009-09-30

申请人： Jay Paul Drummond ,  Bob A. Cichon ,  Mark D. Smith ,  David Weis

发明人： Jay Paul Drummond ,  Bob A. Cichon ,  Mark D. Smith ,  David Weis

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

CPC分类号： G07F19/211 ,  G06Q20/027 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q40/00 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/201 ,  G07F19/206 ,  H04L67/02

摘要： An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with a server address, where a document is located. The document includes machine instructions for displaying a customer interface uniquely associated with the particular banking institution where the user holds the account. The customer interface includes user-selectable transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed to the user when the user operates automated banking machines of other banks.

摘要翻译： 自动银行业务机构响应从数据承载记录（例如用户卡）读取的数据，以引起机器用户授权和财务转移。 从用户卡读取的帐户数据与数据存储相关联，其中包含文档所在的服务器地址。 该文件包括用于显示与用户持有帐户的特定银行机构唯一相关联的客户界面的机器指令。 客户界面包括用户可选择的交易选项。 当用户操作其他银行的自动银行机器时，该安排使得用户家用银行的用户界面也可以自动显示给用户。

公开(公告)号：US20090266878A1

公开(公告)日：2009-10-29

申请号：US12386491

申请日：2009-04-17

申请人： Jay Paul Drummond ,  Bob A. Cichon ,  Mark D. Smith ,  David Weis

发明人： Jay Paul Drummond ,  Bob A. Cichon ,  Mark D. Smith ,  David Weis

IPC分类号： G06Q40/00

CPC分类号： G07F19/211 ,  G06Q20/027 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q40/00 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/201 ,  G07F19/206 ,  H04L67/02

摘要： An automated banking machine operates responsive to data read from data bearing records such as user cards to cause financial transfers. A transaction data object software component operating in a computer of the machine accumulates data as the transaction proceeds. Customer identifying data read by the machine and data corresponding to user inputs can be included in the transaction data object software component. The component can be passed form the machine to a server for determination of the customer being authorized to use the machine to perform a transaction. Upon approval, the server includes authorization data in the component which is then returned to the banking machine. The banking machine also includes in the component, data corresponding to operation of transaction function devices, such as a receipt printer and a currency dispenser. The automated banking machine can also pass the component having the transaction information included therein from the machine in providing an account of the transaction.

摘要翻译： 自动银行业务器响应于从诸如用户卡的数据承载记录读取的数据，以引起财务转移。 在机器的计算机中操作的交易数据对象软件组件在事务进行时累积数据。 客户识别由机器读取的数据和对应于用户输入的数据可以被包括在交易数据对象软件组件中。 组件可以从机器传递到服务器，以确定被授权使用机器执行交易的客户。 经批准，服务器包括组件中的授权数据，然后将其返回给银行机。 银行业务机还在组件中包括对应于诸如收据打印机和货币分配器之类的交易功能设备的操作的数据。 自动银行业务机还可以在提供交易账户的情况下，将包含在其中的交易信息的组件从机器传递出去。

公开(公告)号：US07603302B1

公开(公告)日：2009-10-13

申请号：US09578291

申请日：2000-05-25

申请人： Jay Paul Drummond ,  Bob A. Cichon ,  Mark D. Smith ,  David Weis ,  James R. Church ,  Mikal R. Gilger

发明人： Jay Paul Drummond ,  Bob A. Cichon ,  Mark D. Smith ,  David Weis ,  James R. Church ,  Mikal R. Gilger

IPC分类号： G06Q40/00

CPC分类号： G07F19/211 ,  G06F3/023 ,  G06F3/04895 ,  G06F17/30861 ,  G06Q20/00 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/1085 ,  G06Q20/18 ,  G06Q30/06 ,  G06Q40/00 ,  G07F19/20 ,  G07F19/206 ,  H04L29/06 ,  H04L67/02 ,  H04L67/12 ,  H04L67/34 ,  H04L69/329

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) including one or more browsers. 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 function 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 network address. The computer is operative to connect the banking machine to the home or foreign server corresponding to the network address, which connected server operates the banking machine to conduct transactions by the user. The customer is enabled to operate the banking machine using a familiar interface. The machine may also connect to other applications to provide the customer with promotional material or additional transaction options.

摘要翻译： 自动银行机（12）可操作以响应于通过内联网（16）与本地计算机系统（14）交换的HTML文档和TCP / IP消息以及响应于与外部服务器交换的消息进行交易（ 20,22,24,26,28,96）在广域网（18）中。 银行机包括具有包括一个或多个浏览器的HTML文档处理部分（76,80,82）的计算机（34）。 HTML文档处理部分可操作以通过代理服务器（88）与内联网中的家庭HTTP服务器（90）或广域网中的外部服务器进行通信。 计算机还包括与HTML文档处理部分接口并发送消息以操作自动银行机器中的设备（36）的设备应用部分（84）。 这些装置包括分配货币的纸张分配机构（42）以及其他交易功能装置。 设备应用部分通过内联网中的设备服务器（92）与银行机器中的设备接口软件部分（64）进行通信。 设备服务器对包括纸张分配器在内的银行机器中的设备进行本地控制。 银行业务器操作以读取对应于网络地址的用户卡上的标记。 计算机可操作地将银行机器连接到与网络地址对应的家庭或外部服务器，所连接的服务器操作银行机器以进行用户的交易。 客户可以使用熟悉的界面来操作银行业务。 该机器还可以连接到其他应用程序，以向客户提供宣传材料或附加交易选项。

公开(公告)号：US20120267431A1

公开(公告)日：2012-10-25

申请号：US13532114

申请日：2012-06-25

申请人： Jay Paul Drummond ,  Bob A. Cichon ,  Mark D. Smith ,  David Weis

发明人： Jay Paul Drummond ,  Bob A. Cichon ,  Mark D. Smith ,  David Weis

IPC分类号： G07F19/00 ,  G06Q40/02

CPC分类号： G07F19/211 ,  G06Q20/027 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q40/00 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/201 ,  G07F19/206 ,  H04L67/02

摘要： An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

摘要翻译： 自动银行业务机构响应从数据承载记录（例如用户卡）读取的数据，以引起机器用户授权和财务转移。 从用户卡读取的帐户数据在数据存储中与用于显示与用户持有帐户的特定银行唯一相关联的客户界面的指令相关联。 客户界面包括用户可选择的金融交易选项。 当用户操作其他银行的自动银行业务机器时，该安排使得用户家用银行的用户界面也被自动显示。

公开(公告)号：US20120261466A1

公开(公告)日：2012-10-18

申请号：US13532014

申请日：2012-06-25

申请人： Jay Paul Drummond ,  Bob A. Cichon ,  Mark D. Smith ,  David Weis

发明人： Jay Paul Drummond ,  Bob A. Cichon ,  Mark D. Smith ,  David Weis

IPC分类号： G07F19/00

CPC分类号： G07F19/211 ,  G06Q20/027 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q40/00 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/201 ,  G07F19/206 ,  H04L67/02

摘要： An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

公开(公告)号：US20100006645A1

公开(公告)日：2010-01-14

申请号：US12584974

申请日：2009-09-14

申请人： Jay Paul Drummond ,  Bob A. Cichon ,  Mark D. Smith ,  David Weis

发明人： Jay Paul Drummond ,  Bob A. Cichon ,  Mark D. Smith ,  David Weis

IPC分类号： G07F19/00

CPC分类号： G07F19/211 ,  G06Q20/027 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q40/00 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/201 ,  G07F19/206 ,  H04L67/02

摘要： An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. The read card data can also be associated with a server address, where a record is located. The machine operates prior to a transaction to determine whether the record can be fully downloaded from the server address. Based on a successful determination, the machine can then fully download the record from the address during a transaction that needs the record. The pre-check arrangement reduces transaction time outs that may occur as a result of futile attempts by the machine to access an unavailable record during a transaction.

公开(公告)号：US08348152B2

公开(公告)日：2013-01-08

申请号：US13532114

申请日：2012-06-25

申请人： Jay Paul Drummond ,  Bob A. Cichon ,  Mark D. Smith ,  David Weis

发明人： Jay Paul Drummond ,  Bob A. Cichon ,  Mark D. Smith ,  David Weis

IPC分类号： G07F19/00

CPC分类号： G07F19/211 ,  G06Q20/027 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q40/00 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/201 ,  G07F19/206 ,  H04L67/02

摘要： An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

摘要翻译： 自动银行业务机构响应从数据承载记录（例如用户卡）读取的数据，以引起机器用户授权和财务转移。 从用户卡读取的帐户数据在数据存储中与用于显示与用户持有帐户的特定银行唯一相关联的客户界面的指令相关联。 客户界面包括用户可选择的金融交易选项。 当用户操作其他银行的自动银行业务机器时，该安排使得用户家用银行的用户界面也被自动显示。

公开(公告)号：US20110145144A1

公开(公告)日：2011-06-16

申请号：US12932127

申请日：2011-02-17

申请人： Jay Paul Drummond ,  Bob A. Cichon ,  Mark D. Smith ,  David Weis

发明人： Jay Paul Drummond ,  Bob A. Cichon ,  Mark D. Smith ,  David Weis

IPC分类号： G06Q40/00 ,  G07F19/00

CPC分类号： G07F19/211 ,  G06Q20/027 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q40/00 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/201 ,  G07F19/206 ,  H04L67/02

摘要： An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.