公开(公告)号：US07331515B1

公开(公告)日：2008-02-19

申请号：US11728876

申请日：2007-03-27

申请人： Dale H. Blackson ,  Edward L. Laskowski ,  Tim Crews ,  Wayne Warren ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters

发明人： Dale H. Blackson ,  Edward L. Laskowski ,  Tim Crews ,  Wayne Warren ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters

IPC分类号： G07F19/00

CPC分类号： G06Q20/042 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q40/00 ,  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 is dispensed to the user from the ATM in exchange for the deposited check.

公开(公告)号：US07840485B1

公开(公告)日：2010-11-23

申请号：US11039721

申请日：2005-01-19

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

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

IPC分类号： G06Q40/00

CPC分类号： G07F19/201 ,  G06Q20/042 ,  G06Q20/1085 ,  G07F19/20 ,  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 is then dispensed to the user from the ATM in exchange for the deposited check. The ATMs dispense cash responsive to communications with a transaction host. The transaction host provides transaction identifying data to the ATM. The ATM sends the transaction identifying data and check images to an image and transaction data server for processing.

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。 然后将现金从ATM分配给用户，以换取存入支票。 自动取款机响应于与交易主机的通信分配现金。 交易主机向ATM提供交易识别数据。 ATM将事务识别数据和检查图像发送到图像和事务数据服务器进行处理。

公开(公告)号：US07577614B1

公开(公告)日：2009-08-18

申请号：US11039656

申请日：2005-01-19

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

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

IPC分类号： G06Q40/00

CPC分类号： G07F19/202 ,  G06Q20/042 ,  G06Q20/108 ,  G06Q20/1085 ,  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 is then dispensed to the user from the ATM in exchange for the deposited check. The ATMs dispense cash responsive to communications with a transaction host. The transaction host provides transaction identifying data to the ATM. The ATM sends the transaction identifying data and check images to an image and transaction data server for processing.

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。 然后将现金从ATM分配给用户，以换取存入支票。 自动取款机响应于与交易主机的通信分配现金。 交易主机向ATM提供交易识别数据。 ATM将事务识别数据和检查图像发送到图像和事务数据服务器进行处理。

公开(公告)号：US08474697B2

公开(公告)日：2013-07-02

申请号：US13200265

申请日：2011-09-22

申请人： Keith Carpenter ,  Craig Hockman ,  Willis Miller ,  Laura Drozda ,  Paul Burns ,  Thomas B. Phillips ,  John C. Valcore ,  H. Thomas Graef ,  Edward L. Laskowski ,  James Meek ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Greg Miller ,  Arindam Laha ,  Joseph M. Altier

发明人： Keith Carpenter ,  Craig Hockman ,  Willis Miller ,  Laura Drozda ,  Paul Burns ,  Thomas B. Phillips ,  John C. Valcore ,  H. Thomas Graef ,  Edward L. Laskowski ,  James Meek ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Greg Miller ,  Arindam Laha ,  Joseph M. Altier

IPC分类号： G07F19/00

CPC分类号： G07F19/20 ,  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 ,  G06Q20/042 ,  G06Q20/1085 ,  G07D7/12 ,  G07D7/181 ,  G07D7/20 ,  G07D11/0003 ,  G07D11/0018 ,  G07D11/0021 ,  G07D11/0048 ,  G07D11/0051 ,  G07D11/0054 ,  G07D11/0066 ,  G07D11/009 ,  G07F19/201 ,  G07F19/202 ,  G07F19/203

摘要： An automated banking machine (10) operates responsive to data read from data bearing records to cause financial transfers. The machine 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.

摘要翻译： 自动银行机（10）响应于从数据承载记录读取的数据进行经营转移。 该机器包括包括开口（20）的用户界面（12）。 机器的用户通过开口将单张纸张和堆叠的纸张递送到机器。 纸张堆叠可能包括纸张，如纸币，支票或其他文件。 输入到机器的堆叠可以包括各种类型的片材的混合物。 该机器操作以接收笔记，处理检查和执行其他操作。 在机器中收到的注意事项可以回收并分发给其他用户。 由机器处理的检查可以由成像设备成像，取消，并存储在机器中或者交替地返回给用户。

公开(公告)号：US08025218B2

公开(公告)日：2011-09-27

申请号：US12586461

申请日：2009-09-21

申请人： Keith Carpenter ,  Craig Hockman ,  Willis Miller ,  Laura Drozda ,  Paul Burns ,  Thomas B. Phillips ,  John C. Valcore ,  H. Thomas Graef ,  Edward L. Laskowski ,  James Meek ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Greg Miller ,  Arindam Laha ,  Joseph M. Altier

发明人： Keith Carpenter ,  Craig Hockman ,  Willis Miller ,  Laura Drozda ,  Paul Burns ,  Thomas B. Phillips ,  John C. Valcore ,  H. Thomas Graef ,  Edward L. Laskowski ,  James Meek ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Greg Miller ,  Arindam Laha ,  Joseph M. Altier

IPC分类号： G07F19/00

CPC分类号： G07F19/20 ,  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 ,  G06Q20/042 ,  G06Q20/1085 ,  G07D7/12 ,  G07D7/181 ,  G07D7/20 ,  G07D11/0003 ,  G07D11/0018 ,  G07D11/0021 ,  G07D11/0048 ,  G07D11/0051 ,  G07D11/0054 ,  G07D11/0066 ,  G07D11/009 ,  G07F19/201 ,  G07F19/202 ,  G07F19/203

摘要： An automated banking machine (10) operates responsive to data read from data bearing records to cause financial transfers. The machine 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.

摘要翻译： 自动银行机（10）响应于从数据承载记录读取的数据进行经营转移。 该机器包括包括开口（20）的用户界面（12）。 机器的用户通过开口将单张纸张和堆叠的纸张递送到机器。 纸张堆叠可能包括纸张，如纸币，支票或其他文件。 输入到机器的堆叠可以包括各种类型的片材的混合物。 机器操作以接收笔记，过程检查和执行其他操作。 在机器中收到的注意事项可以回收并分发给其他用户。 由机器处理的检查可以由成像设备成像，取消并存储在机器中或者交替地返回给用户。

公开(公告)号：US08002177B2

公开(公告)日：2011-08-23

申请号：US12807987

申请日：2010-09-16

申请人： James Meek ,  H. Thomas Graef ,  Edward L. Laskowski ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Dale Blackson

发明人： James Meek ,  H. Thomas Graef ,  Edward L. Laskowski ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Dale Blackson

IPC分类号： G07F19/00

CPC分类号： G07F19/20 ,  B65H3/047 ,  B65H5/006 ,  B65H5/023 ,  B65H5/26 ,  B65H15/00 ,  B65H29/12 ,  B65H29/60 ,  B65H29/70 ,  B65H39/02 ,  B65H2301/3122 ,  B65H2301/42122 ,  B65H2301/4213 ,  B65H2301/42262 ,  B65H2301/4233 ,  B65H2301/4318 ,  B65H2403/942 ,  B65H2404/261 ,  B65H2404/2693 ,  B65H2404/7412 ,  B65H2404/7414 ,  B65H2511/514 ,  B65H2701/18264 ,  B65H2701/18268 ,  B65H2701/1912 ,  B65H2701/1916 ,  B65H2701/1932 ,  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 ,  G07F19/201 ,  G07F19/202 ,  G07F19/203 ,  B65H2220/01 ,  B65H2701/1313

摘要： An automated banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that reads data from user cards corresponding to financial accounts. The machine can communicate with a host computer to cash financial checks. The machine can read check indicia, send check data to the host, receive authorization from the host to cash the check, and dispense cash corresponding to the check. The machine can also produce image data representative of the check indicia and determine whether the image data can be accurately identified within a predetermined level of assurance.

摘要翻译： 自动银行业务机构响应于从数据记录中读取的数据进行财务转移。 该机器包括读卡器，用于从对应于财务帐户的用户卡读取数据。 该机器可与主机进行通信以实现财务检查。 机器可以读取检查标记，向主机发送检查数据，从主机接收授权以现金支票，并分配对应支票的现金。 机器还可以产生表示检查标记的图像数据，并且确定在预定的保证水平内是否能够准确地识别图像数据。

公开(公告)号：US20110013822A1

公开(公告)日：2011-01-20

申请号：US12807987

申请日：2010-09-16

申请人： James Meek ,  H. Thomas Graef ,  Edward L. Laskowski ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Dale Blackson

发明人： James Meek ,  H. Thomas Graef ,  Edward L. Laskowski ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Dale Blackson

IPC分类号： G06K9/00 ,  G06Q40/00 ,  G07F19/00 ,  G05B19/00

CPC分类号： G07F19/20 ,  B65H3/047 ,  B65H5/006 ,  B65H5/023 ,  B65H5/26 ,  B65H15/00 ,  B65H29/12 ,  B65H29/60 ,  B65H29/70 ,  B65H39/02 ,  B65H2301/3122 ,  B65H2301/42122 ,  B65H2301/4213 ,  B65H2301/42262 ,  B65H2301/4233 ,  B65H2301/4318 ,  B65H2403/942 ,  B65H2404/261 ,  B65H2404/2693 ,  B65H2404/7412 ,  B65H2404/7414 ,  B65H2511/514 ,  B65H2701/18264 ,  B65H2701/18268 ,  B65H2701/1912 ,  B65H2701/1916 ,  B65H2701/1932 ,  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 ,  G07F19/201 ,  G07F19/202 ,  G07F19/203 ,  B65H2220/01 ,  B65H2701/1313

摘要： An automated banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that reads data from user cards corresponding to financial accounts. The machine can communicate with a host computer to cash financial checks. The machine can read check indicia, send check data to the host, receive authorization from the host to cash the check, and dispense cash corresponding to the check. The machine can also produce image data representative of the check indicia and determine whether the image data can be accurately identified within a predetermined level of assurance.

公开(公告)号：US07798398B2

公开(公告)日：2010-09-21

申请号：US12584307

申请日：2009-09-02

申请人： James Meek ,  H. Thomas Graef ,  Edward L. Laskowski ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Dale Blackson

发明人： James Meek ,  H. Thomas Graef ,  Edward L. Laskowski ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Dale Blackson

IPC分类号： G07F19/00

CPC分类号： G07F19/20 ,  B65H3/047 ,  B65H5/006 ,  B65H5/023 ,  B65H5/26 ,  B65H15/00 ,  B65H29/12 ,  B65H29/60 ,  B65H29/70 ,  B65H39/02 ,  B65H2301/3122 ,  B65H2301/42122 ,  B65H2301/4213 ,  B65H2301/42262 ,  B65H2301/4233 ,  B65H2301/4318 ,  B65H2403/942 ,  B65H2404/261 ,  B65H2404/2693 ,  B65H2404/7412 ,  B65H2404/7414 ,  B65H2511/514 ,  B65H2701/18264 ,  B65H2701/18268 ,  B65H2701/1912 ,  B65H2701/1916 ,  B65H2701/1932 ,  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 ,  G07F19/201 ,  G07F19/202 ,  G07F19/203 ,  B65H2220/01 ,  B65H2701/1313

摘要： An automated banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that reads data from user cards corresponding to financial accounts. The machine can communicate with a host computer to cash financial checks. The machine can read check indicia, send check data to the host, receive authorization from the host to cash the check, and dispense cash corresponding to the check. The machine can also produce image data representative of the check indicia and determine whether the data can be accurately identified within a predetermined level of assurance.

摘要翻译： 自动银行业务机构响应于从数据记录中读取的数据进行财务转移。 该机器包括读卡器，用于从对应于财务帐户的用户卡读取数据。 该机器可与主机进行通信以实现财务检查。 机器可以读取检查标记，向主机发送检查数据，从主机接收授权以现金支票，并分配对应支票的现金。 机器还可以产生表示检查标记的图像数据，并且确定在预定的保证水平内是否可以准确地识别数据。

公开(公告)号：US07748612B2

公开(公告)日：2010-07-06

申请号：US11409283

申请日：2006-04-21

申请人： Keith Carpenter ,  Craig Hockman ,  Willis Miller ,  Laura Drozda ,  Paul Burns ,  Thomas B. Phillips ,  John C. Valcore ,  H. Thomas Graef ,  Edward L. Laskowski ,  James Meek ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Greg Miller ,  Arindam Laha ,  Joseph M. Altier

发明人： Keith Carpenter ,  Craig Hockman ,  Willis Miller ,  Laura Drozda ,  Paul Burns ,  Thomas B. Phillips ,  John C. Valcore ,  H. Thomas Graef ,  Edward L. Laskowski ,  James Meek ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Greg Miller ,  Arindam Laha ,  Joseph M. Altier

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

CPC分类号： G07F19/206 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q40/00 ,  G07F19/20

摘要： A cash dispensing 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.

摘要翻译： 现金分配自动银行机（10）包括包括开口（20）的用户界面（12）。 机器的用户通过开口将单张纸张和堆叠的纸张递送到机器。 纸张堆叠可能包括纸张，如纸币，支票或其他文件。 输入到机器的堆叠可以包括各种类型的片材的混合物。 机器操作以接收笔记，过程检查和执行其他操作。 在机器中收到的注意事项可以回收并分发给其他用户。 由机器处理的检查可以由成像设备成像，取消并存储在机器中或者交替地返回给用户。

公开(公告)号：US07748611B2

公开(公告)日：2010-07-06

申请号：US11408423

申请日：2006-04-21

申请人： Keith Carpenter ,  Craig Hockman ,  Willis Miller ,  Laura Drozda ,  Paul Burns ,  Thomas B. Phillips ,  John C. Valcore ,  H. Thomas Graef ,  Edward L. Laskowski ,  James Meek ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Greg Miller ,  Arindam Laha ,  Joseph M. Altier

发明人： Keith Carpenter ,  Craig Hockman ,  Willis Miller ,  Laura Drozda ,  Paul Burns ,  Thomas B. Phillips ,  John C. Valcore ,  H. Thomas Graef ,  Edward L. Laskowski ,  James Meek ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Greg Miller ,  Arindam Laha ,  Joseph M. Altier

IPC分类号： G07F19/00

CPC分类号： G07F19/206 ,  G07F19/20

摘要： A cash dispensing 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.