公开(公告)号：US07815104B2

公开(公告)日：2010-10-19

申请号：US11408535

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： G06K17/60

CPC分类号： G07F19/206 ,  G06Q20/20 ,  G06Q30/0215 ,  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.

公开(公告)号：US20100001061A1

公开(公告)日：2010-01-07

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 ,  G06K13/00

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.

公开(公告)号：US07584883B2

公开(公告)日：2009-09-08

申请号：US11214461

申请日：2005-08-29

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 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. The machine can additionally print cancellation data on a cashed check, and then return the check to the machine user.

摘要翻译： 自动银行机可与主机进行通信，以现金支票。 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。 机器可以另外在兑现支票上打印取消数据，然后将支票退回给机器用户。

公开(公告)号：US07513417B2

公开(公告)日：2009-04-07

申请号：US11228684

申请日：2005-09-16

申请人： Paul Burns ,  Thomas B. Phillips ,  John C. Valcore ,  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： Paul Burns ,  Thomas B. Phillips ,  John C. Valcore ,  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： G07F19/202 ,  G06Q20/042 ,  G07F19/20

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：US07438219B1

公开(公告)日：2008-10-21

申请号：US11168131

申请日：2005-06-27

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

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

IPC分类号： G07F19/00

CPC分类号： G07F19/202 ,  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 may be dispensed to the user from the ATM in exchange for the deposited checks.

公开(公告)号：US20120043379A1

公开(公告)日：2012-02-23

申请号：US13200697

申请日：2011-09-28

申请人： Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson ,  Edward L. Laskowski ,  Carole Laskowski

发明人： Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson ,  Edward L. Laskowski ,  Carole Laskowski

IPC分类号： G07F19/00

CPC分类号： G07F19/20 ,  G06Q20/1085 ,  G06Q20/18 ,  G07F19/201 ,  G07F19/2055 ,  G07F19/207 ,  G07F19/211

摘要： A cash dispensing automated banking machine includes a card reader associated with a card slot. An anti-fraud sensing device is able to sense ambient light or generated radiation that passes to the sensing device through the card reader slot. The installation of an unauthorized card reading device on the machine changes at least one property sensed by the sensing device. A controller in the machine receives signals from the sensing device, and determines if an unauthorized card reading device has been installed.

摘要翻译： 现金分配自动银行机包括与卡槽相关联的读卡器。 反欺诈感测装置能够通过读卡器槽感测环境光或传递到感测装置的辐射。 在机器上安装未授权的读卡装置改变感测装置感测到的至少一个属性。 机器中的控制器接收来自感测装置的信号，并且确定是否已经安装了未授权的读卡装置。

公开(公告)号：US08573483B1

公开(公告)日：2013-11-05

申请号：US13447351

申请日：2012-04-16

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

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

IPC分类号： G06F19/00

CPC分类号： G07F19/20 ,  G06Q20/042 ,  G06Q40/02 ,  G07D11/0087 ,  G07F7/04 ,  G07F19/202

摘要： An automated banking machine operates to carry out financial transactions responsive to data bearing records including account data read from user cards. The banking machine may accept checks and dispense cash to users. The machine is 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 machine in exchange for the deposited checks.

摘要翻译： 自动银行业务操作以响应于数据承载记录（包括从用户卡读取的帐户数据）执行金融交易。 银行机器可以接受支票和现金给用户。 该机器被操作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。 然后将现金从机器分配给用户，以换取保留的支票。

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：US08157163B1

公开(公告)日：2012-04-17

申请号：US12317309

申请日：2008-12-22

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

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

IPC分类号： G06F19/00

CPC分类号： G07F19/20 ,  G06Q20/042 ,  G06Q40/02 ,  G07D11/0087 ,  G07F7/04 ,  G07F19/202

摘要： An automated banking machine operates to carry out financial transactions responsive to data bearing records including account data read from user cards. The banking machine may accept checks and dispense cash to users. The machine is 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 may be dispensed to the user from the machine in exchange for the deposited checks.

摘要翻译： 自动银行业务操作以响应于数据承载记录（包括从用户卡读取的帐户数据）执行金融交易。 银行机器可以接受支票和现金给用户。 该机器被操作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。 可以从机器向用户分配现金，以换取保留的支票。

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。