公开(公告)号：US20110220714A1

公开(公告)日：2011-09-15

申请号：US13068596

申请日：2011-05-16

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： G06Q40/00

CPC分类号： G06K7/0004 ,  G06K19/08 ,  G06Q20/341 ,  G07F7/0886 ,  G07F7/1008

摘要： An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. The card reader may include a data store including a card reader device driver therein. The card reader may further communicate the device driver to a automated banking machine software application component, which is operative to use the device driver to operate the card reader.

摘要翻译： 一种自动银行机系统可以根据从数据记录中读取的数据进行财务转移。 该系统可操作用读卡器读取带有金融卡的帐户标记。 用户能够响应于从卡读取的帐户标记来执行至少一个银行操作。 这种银行业务可能包括发放现金和存取财务账目。 读卡器可以包括其中包括读卡器设备驱动器的数据存储器。 读卡器还可以将设备驱动程序传送到自动银行业务机器软件应用组件，该组件可操作以使用设备驱动程序来操作读卡器。

公开(公告)号：US20110121070A1

公开(公告)日：2011-05-26

申请号：US12931004

申请日：2011-01-21

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： G06Q40/00

CPC分类号： G06Q20/1085 ,  G06K7/0004 ,  G06K19/08 ,  G06Q20/18 ,  G06Q20/32 ,  G06Q20/3223 ,  G06Q20/327 ,  G06Q20/341 ,  G07F7/0886 ,  G07F7/1008 ,  G07F17/16 ,  G07F19/20 ,  G07F19/203 ,  G07F19/211

摘要： An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. While a user operates the system to dispense cash or perform other banking operations, the system may further permit at least one portable wireless device to wirelessly access the system to conduct transactions.

公开(公告)号：US07891555B2

公开(公告)日：2011-02-22

申请号：US12587128

申请日：2009-09-30

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

发明人： Jay Paul Drummond ,  Bob A. Cichon ,  Mark D. Smith ,  David W. 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 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：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：US07597249B2

公开(公告)日：2009-10-06

申请号：US11226104

申请日：2005-09-14

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

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

IPC分类号： 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 (12) is operative to conduct transactions in response to mark up language 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 one or more browsers (76, 198, 200, 202). The machine can receive instructions in mark up language documents accessed at an HTTP address to cause operation of transaction function devices, such as a currency dispenser (42) and a display device (196).

公开(公告)号：US07580896B2

公开(公告)日：2009-08-25

申请号：US12070513

申请日：2008-02-19

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： G06F17/60

CPC分类号： G07F19/211 ,  G06F9/451 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/18 ,  G06Q20/382 ,  G06Q40/00 ,  G07F9/02 ,  G07F19/20 ,  G07F19/206 ,  H04L67/02

摘要： An automated banking machine includes at least one browser and transaction function devices, including a currency dispenser device. The machine can be operated in a modified mode in response to transactions that are no longer available. A browser can be used to communicate with one or more servers. Data indicative of the availability of the certain transaction function *devices can be communicated to a server. One or more mark up language documents containing data and/or instructions that correspond to the operational availability to the machine of the transaction function devices can be accessed. The machine can then be operated responsive to the data and/or instructions. For example, the machine may change its display output to a customer to reflect its current transaction function device status. Customer transaction options can be readily changed via machine/server communication on a machine by machine basis.

摘要翻译： 自动银行机包括至少一个浏览器和交易功能设备，包括货币分配器装置。 该机器可以在修改模式下操作，以响应不再可用的交易。 浏览器可用于与一个或多个服务器进行通信。 指示某些交易功能*设备的可用性的数据可以被传送到服务器。 可以访问包含对应于交易功能设备的机器的操作可用性的数据和/或指令的一个或多个标记语言文档。 然后可以响应于数据和/或指令来操作机器。 例如，机器可以将其显示输出改变为客户以反映其当前事务功能设备状态。 客户交易选项可以通过机器/机器上的机器/服务器通信机器轻松地改变。

公开(公告)号：US07490762B2

公开(公告)日：2009-02-17

申请号：US12075236

申请日：2008-03-10

申请人： Steven Shepley ,  Joseph Cwikla ,  Bryan Reed ,  James Block ,  Robert Usner ,  Jay Paul Drummond ,  Mark D. Smith

发明人： Steven Shepley ,  Joseph Cwikla ,  Bryan Reed ,  James Block ,  Robert Usner ,  Jay Paul Drummond ,  Mark D. Smith

IPC分类号： G06Q40/00

CPC分类号： G06F3/023 ,  G06F3/04895 ,  G06F9/465 ,  G06F17/30861 ,  G06Q20/00 ,  G06Q20/042 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/18 ,  G06Q30/06 ,  G06Q40/00 ,  G07F19/20 ,  G07F19/201 ,  G07F19/206 ,  G07F19/209 ,  G07F19/21 ,  G07F19/211 ,  H04L29/06 ,  H04L63/08 ,  H04L63/0853 ,  H04L63/12 ,  H04L67/02 ,  H04L67/12 ,  H04L67/2819 ,  H04L67/34 ,  H04L69/32 ,  H04L69/329

摘要： An automated transaction machine with a cross-vender software and hardware platform architecture includes a computer and a plurality of transaction function devices. The machine further includes a plurality of device driver components that generally correspond to each of the transaction function devices. The device drivers are operative responsive to communication from an XFS layer to control the operation of the transaction function devices. The machine further includes a terminal application and an ODS layer. The ODS layer includes a plurality of ODS components that generally correspond to the device drivers and/or transaction function devices. The ODS components responsive to the terminal application are operative to have the device drivers control the operation of the transaction function devices through communication with the XFS layer.

摘要翻译： 具有交叉供应商软件和硬件平台架构的自动交易机器包括计算机和多个交易功能设备。 该机器还包括通常对应于每个交易功能设备的多个设备驱动器组件。 设备驱动器响应于来自XFS层的通信来操作以控制事务功能设备的操作。 该机器还包括终端应用和ODS层。 ODS层包括通常对应于设备驱动器和/或交易功能设备的多个ODS组件。 响应于终端应用的ODS组件可操作以使设备驱动程序通过与XFS层通信来控制事务功能设备的操作。

公开(公告)号：US20080288402A1

公开(公告)日：2008-11-20

申请号：US12220734

申请日：2008-07-28

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

CPC分类号： G07F19/201 ,  G06F3/023 ,  G06F3/04895 ,  G06F9/465 ,  G06F17/30861 ,  G06Q20/00 ,  G06Q20/042 ,  G06Q20/1085 ,  G06Q20/18 ,  G06Q40/00 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/206 ,  G07F19/211 ,  H04L29/06 ,  H04L63/0853 ,  H04L63/12 ,  H04L67/02 ,  H04L67/12 ,  H04L67/2819 ,  H04L67/34 ,  H04L69/329

摘要： A cash dispensing automated banking machine that operates in response to data read from user cards includes a cash dispenser, keypad, and a card reader. The card reader is operative to read data bearing records such as user cards that include financial account information. At least one computer in the automated banking machine is responsive to a keymap specified by at least one markup language document and is responsive to configuration data accessed by the automated banking machine, to selectively enable a subset of keys of the keypad to be capable of providing inputs operative to cause the automated banking machine to carry out a portion of a banking transaction.

摘要翻译： 响应从用户卡读取的数据操作的现金分发自动银行机包括自动取款机，小键盘和读卡器。 读卡器可操作以读取诸如包括金融帐户信息的用户卡的数据承载记录。 自动银行机器中的至少一台计算机响应于由至少一个标记语言文档指定的键盘映射，并响应于由自动银行机器访问的配置数据，以选择性地使键盘的一小部分键能够提供 输入可以使自动银行机构执行银行交易的一部分。

公开(公告)号：US07162449B2

公开(公告)日：2007-01-09

申请号：US09949283

申请日：2001-09-07

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

CPC分类号： G07F19/201 ,  G06F3/023 ,  G06F3/04895 ,  G06F9/465 ,  G06F17/30861 ,  G06Q20/00 ,  G06Q20/042 ,  G06Q20/1085 ,  G06Q20/18 ,  G06Q40/00 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/206 ,  G07F19/211 ,  H04L29/06 ,  H04L63/0853 ,  H04L63/12 ,  H04L67/02 ,  H04L67/12 ,  H04L67/2819 ,  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). 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.

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以及其他交易装置的纸张分配机构（42）。

公开(公告)号：US07025255B1

公开(公告)日：2006-04-11

申请号：US10357191

申请日：2003-02-03

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

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

IPC分类号： G06F17/60

CPC分类号： G07F19/211 ,  G07F19/20

摘要： An application service provider (ASP) and automated transaction machine method and system is provided. The method includes providing a plurality of individually accessible server side ATM applications through at least one ASP server. The method further includes enabling a plurality of ATMs to selectively access each server side ATM application through communication with the at least one ASP server. The method also includes performing services for the ATMs with the at least one ASP server responsive to the plurality of server side ATM applications.