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41.发明申请公开(公告)号：US20120286034A1
公开(公告)日：2012-11-15
申请号：US13555269
申请日：2012-07-23
IPC分类号： G07F19/00
CPC分类号： G07F19/20 , G06Q20/042 , G06Q20/1085 , G06Q40/00 , G06Q40/02 , G07F7/04 , G07F19/201 , G07F19/206 , G07F19/211
摘要： A banking system is controlled responsive to data read from data bearing records. The system includes a card reader that operates to read identifying data from user cards, and can authorize operation of an automated banking machine responsive to the identifying data. The machine can generate and present a check to the machine user in response to user inputs. The machine presents an interface for the user to sign the check. The user's banking account is charged an amount corresponding to the check value. In exchange for the same machine receiving the generated check, the user is provided with cash dispensed from the machine. The machine also allows the user to select having a canceled check image displayed at the machine and/or sent to the user's network address.
摘要翻译： 响应于从数据记录读取的数据来控制银行系统。 该系统包括读卡器，其操作以从用户卡读取识别数据，并且可以根据识别数据授权自动银行机的操作。 该机器可以响应于用户输入生成并向机器用户呈现检查。 该机器为用户提供一个接口来签署支票。 用户的银行帐户收取与支票值对应的金额。 为了交换接收所生成的检查的同一机器，向用户提供从机器分配的现金。 该机器还允许用户选择具有在机器上显示的取消的检查图像和/或发送到用户的网络地址。
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42.发明申请公开(公告)号：US20120223134A1
公开(公告)日：2012-09-06
申请号：US13443230
申请日：2012-04-10
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 banking system comprises automated banking machines which include a card reader, check imaging device, and cash dispenser. Each system machine can cash a code-correlated check in exchange for receiving both the check and the code assigned to the check, without requiring any user identifying input through the machine's user input devices as a condition for cashing the check. The system allows a potential recipient of a personal check to call in a given code to a system computer, which can verify whether the check is backed by funds reserved for the check amount and whether the check can be anonymously cashed. From the call the system computer can obtain the mobile phone's GPS location to determine the system machine nearest to the phone. When informing the phone user that a check is as good as cash, the system computer can also provide directions to that nearest system machine.
摘要翻译： 银行系统包括自动银行机器，其包括读卡器，检查成像设备和自动提款机。 每个系统机器可以兑现代码相关检查，以便接收检查和分配给检查的代码，而不需要任何用户通过机器的用户输入设备识别输入作为兑现支票的条件。 该系统允许个人支票的潜在收件人以给定的代码呼叫系统计算机，该系统计算机可以验证支票是否支持用于支票金额的资金以及支票是否可以匿名兑现。 从呼叫系统电脑可以获取手机的GPS位置，以确定最接近手机的系统机器。 当通知电话用户支票与现金一样好时，系统计算机还可以向最近的系统机器提供指示。
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公开(公告)号：US08251281B1
公开(公告)日：2012-08-28
申请号：US12459185
申请日：2009-06-26
申请人： Jeffrey M. Eastman , Brian Jones , Michael S. Johnson , Shawn Griggy , Jeff A. Brannan , Michael J. Harty , Robert W. Barnett , Eric S. VanKeulen , Mike R. Ryan , William D. Beskitt , Kenneth Turocy
发明人： Jeffrey M. Eastman , Brian Jones , Michael S. Johnson , Shawn Griggy , Jeff A. Brannan , Michael J. Harty , Robert W. Barnett , Eric S. VanKeulen , Mike R. Ryan , William D. Beskitt , Kenneth Turocy
CPC分类号： G07F19/201 , B65H7/02 , B65H7/20 , B65H29/20 , G06Q20/1085 , G06Q40/02 , G07F19/20 , G07F19/202 , G07F19/205 , G07G5/00
摘要： An automated banking machine operative to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data from user cards corresponding to financial accounts. The automated banking machine is operative responsive to the card data to carry out transactions that transfer and/or allocate funds between accounts. The automated banking machine is further operative to provide users with a receipt for transactions conducted. The automated banking machine includes a cash dispenser operative to dispense cash to machine users and to cause the value of cash to be assessed to financial accounts corresponding to card data. The automated banking machine is further operative to receive currency bills or other sheets from a user and to process and store such sheets through operation of a currency accepting device. The account corresponding to card data may be credited for the value of bills or other sheets received.
摘要翻译： 一种自动银行业务，可以根据从数据记录中读取的数据进行财务转移。 自动银行机包括读卡器，用于从对应于财务账户的用户卡读取卡数据。 自动银行机器响应于卡数据来执行在账户之间转移和/或分配资金的交易。 自动银行机进一步操作以向用户提供进行的交易的收据。 自动银行机包括一个自动取款机，用于向机器用户分配现金，并将现金价值评估为对应于卡数据的金融账户。 自动银行机进一步操作以从用户接收货币票据或其他票据，并通过货币接收装置的操作来处理和存储这样的票据。 对应于卡数据的帐户可以记入所接收的账单或其他票据的价值。
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公开(公告)号：US08245914B1
公开(公告)日：2012-08-21
申请号：US13066404
申请日：2011-04-14
CPC分类号： G06K7/0004 , G06Q20/32 , G06Q20/3274 , G06Q20/352 , G06Q20/385 , G07F7/10 , G07F7/1075 , G07F19/20 , G07F19/205 , G07F19/207
摘要： An automated banking machine operates responsive to data read from data bearing records. The data corresponds to user card data received from a cell phone. The machine generates and displays a random number correlated with a time period. The machine user inputs the displayed random number into their phone. A software application in the phone encrypts the selected card data along with the inputted random number. The phone then displays a bar code image containing the encrypted data. The machine includes a bar code reader to read the displayed image. The machine can decrypt the random number and the card data from the read image. The random number is used to verify the current banking transaction session. The process replaces physical insertion of a card yet allows secure input of card data.
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。 数据对应于从手机接收的用户卡数据。 机器生成并显示与时间段相关的随机数。 机器用户将显示的随机数输入他们的手机。 电话中的软件应用程序与输入的随机数一起加密所选择的卡片数据。 然后，手机显示包含加密数据的条形码图像。 该机器包括读取显示图像的条形码阅读器。 机器可以从读取的图像中解密随机数和卡数据。 随机数用于验证当前银行交易会话。 该过程取代了卡的物理插入，但允许卡数据的安全输入。
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45.发明授权公开(公告)号：US08225991B2
公开(公告)日：2012-07-24
申请号：US12931741
申请日：2011-02-09
IPC分类号： G06Q40/00
CPC分类号： G07F19/20 , G06Q20/042 , G06Q20/1085 , G06Q40/00 , G06Q40/02 , G07F7/04 , G07F19/201 , G07F19/206 , G07F19/211
摘要： A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including identifying data, and authorizes operation of an automated banking machine responsive to the identifying data. The banking machine can generate a check in response to user inputs. The banking machine can also present the check to the machine user. The banking machine can present an interface for the user to sign the check. The user's banking account is charged an amount corresponding to the check value. In exchange for the same banking machine receiving the generated check, the user is provided with cash dispensed from the banking machine. The banking machine also allows a user to select having a canceled check image displayed at the machine and/or sent to the user's network address.
摘要翻译： 响应于数据承载记录控制的系统包括读卡器，其可操作以从用户卡读取卡数据，包括识别数据，以及响应于识别数据授权自动银行机的操作。 银行机器可以根据用户输入生成支票。 银行机器还可以向机器用户提供支票。 银行机器可以为用户提供一个接口来签署支票。 用户的银行帐户收取与支票值对应的金额。 为了兑换相同的银行机器接收所生成的支票，向用户提供从银行机器分配的现金。 银行机还允许用户选择具有在机器上显示的取消的检查图像和/或发送到用户的网络地址。
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公开(公告)号：US08225990B1
公开(公告)日：2012-07-24
申请号：US12931654
申请日：2011-02-07
CPC分类号： G07F19/206 , G06F21/10 , G06F21/105 , G06Q20/042 , G06Q20/108 , G06Q20/1085 , G06Q20/40 , G07F19/20
摘要： An automated banking machine operates to carry out financial transfers responsive to data read form data bearing records. The machine includes a card reader that operates to read data from user cards. The card data corresponds to financial accounts. The automated banking machine further includes a cash dispenser. The machine is operative to dispense cash to an authorized user based on identifying data including card data, and to cause a financial transfer from an account corresponding to card data through communication with at least one remote computer. The machine is operative to authorize the installation, use, and/or configuration of automated banking machine software applications and components.
摘要翻译： 一个自动银行机器可以根据数据读取形式的数据记录进行财务转移。 该机器包括读卡器，用于从用户卡读取数据。 卡数据对应于财务账户。 自动银行机还包括自动提款机。 该机器可操作地基于识别包括卡数据的数据向授权用户分配现金，并且通过与至少一个远程计算机的通信，从与卡数据相对应的帐户进行财务转移。 该机器可以授权自动银行机器软件应用程序和组件的安装，使用和/或配置。
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47.发明申请公开(公告)号：US20120160913A1
公开(公告)日：2012-06-28
申请号：US13405667
申请日：2012-02-27
申请人： Steven Shepley , Glenda Griswold
发明人： Steven Shepley , Glenda Griswold
IPC分类号： G07F19/00
CPC分类号： G07F19/20 , G07F19/206 , G07F19/209 , G07F19/21
摘要： An automated banking machine operates to cause financial transfers responsive to data read from data bearing records, such as user cards. The machine includes sensing devices adjacent a card reader slot. The sensing devices enable the machine controller to detect the presence of unauthorized card reading devices. Servicing the machine is facilitated through use of a portable diagnostic article. The article enables access to diagnostic data stored in machine memory. The article also provides data indicative of the significance of the diagnostic data.
摘要翻译： 自动银行业务机构响应于从数据承载记录（例如用户卡）读取的数据进行财务转移。 该机器包括与读卡器插槽相邻的感测装置。 感测装置使得机器控制器能够检测未经授权的读卡装置的存在。 通过使用便携式诊断用品便于服务机器。 该文章允许访问存储在机器内存中的诊断数据。 该文章还提供了指示诊断数据重要性的数据。
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公开(公告)号：US08191767B1
公开(公告)日：2012-06-05
申请号：US12928014
申请日：2010-12-01
CPC分类号： G06K7/0004 , G06Q20/102 , G06Q20/105 , G06Q20/1085 , G06Q20/32 , G06Q20/3227 , G06Q20/3274 , G06Q20/352 , G06Q20/385 , G06Q30/0237 , G06Q30/04 , G07F7/10 , G07F7/1075 , G07F19/20 , G07F19/205
摘要： An automated banking machine operates responsive to data read from data bearing records. The data corresponds to card data which corresponds to at least one financial account. The record data is read by a reader and compared to stored data to authorize use of the machine. A financial transfer corresponding to the account may be carried out once use is authorized based on correspondence of the record data. A printed record of transactions is printed by the machine. Record data may alternatively be received by a reading device of the machine from a mobile device of a user, such as a cell phone.
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。 数据对应于对应于至少一个金融账户的卡数据。 记录数据由读取器读取，并与存储的数据进行比较以授权使用机器。 一旦根据记录数据的通信被授权就可以执行对应于该帐户的财务转账。 交易的打印记录由机器打印。 记录数据可以替代地由机器的读取装置从诸如手机的用户的移动装置接收。
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49.发明授权Automated banking machine and system that operates to cause financial transfers responsive to data read from data bearing records 有权自动银行机器和系统，用于响应于从数据记录中读取的数据进行财务转移公开(公告)号：US08172134B1
公开(公告)日：2012-05-08
申请号：US13068890
申请日：2011-05-23
IPC分类号： G07F19/00
CPC分类号： G07F19/207 , G07F19/20
摘要： An automatic banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that reads data corresponding to financial accounts from user cards, and carries out transactions related to the accounts. The machine includes a camera, a microphone, and the card reader at a customer interface located at the front of the machine. A servicer display device is at a servicer interface located at the rear of the machine. The customer interface and servicer interface can be placed in audio/visual communication. Although a front servicer may not be directly visible to a rear servicer, they are still able to communicate with each other through the customer interface and servicer interface during machine servicing. The servicer interface can also be used to allow a lone servicer to be audibly/visually alerted to a potential customer approaching the machine.
摘要翻译： 自动银行业务响应于从数据记录中读取的数据来进行资金转移。 该机器包括读卡器，用于从用户卡读取对应于财务帐户的数据，并执行与该账户有关的交易。 该机器在位于机器前部的客户接口处包括相机，麦克风和读卡器。 服务器显示设备位于位于机器后部的服务器接口。 客户接口和服务器接口可以放置在音频/视频通信中。 虽然后勤服务人员可能无法直接看到前部服务人员，但是在机器维修期间，他们仍然可以通过客户界面和服务器界面进行通信。 服务器接口还可用于允许单个服务器对接近机器的潜在客户进行可视地/视觉上的警报。
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50.发明授权Banking system controlled responsive to data bearing records and user input of a phone received security code 有权银行系统响应于数据承载记录和用户输入的手机接收的安全代码进行控制公开(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。
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