公开(公告)号：US20120223133A1

公开(公告)日：2012-09-06

申请号：US13441895

申请日：2012-04-08

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

发明人： Willis Miller ,  Matthew R. Zaugg ,  James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Mark A. Douglass ,  Dale H. Blackson ,  Caren R. Blackson

IPC分类号： G06Q40/02 ,  G07F19/00

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。

公开(公告)号：US07883008B1

公开(公告)日：2011-02-08

申请号：US12800184

申请日：2010-05-10

申请人： Willis Miller ,  Matthew R. Zaugg ,  James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson ,  Mark A. Douglas ,  Caren R. Blackson, legal representative

发明人： Willis Miller ,  Matthew R. Zaugg ,  James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson ,  Mark A. Douglas

IPC分类号： G06F17/60

CPC分类号： G06Q20/388 ,  G06Q20/322 ,  G06Q20/425 ,  G07F19/20

摘要： An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that reads card data from a card of a machine user. The card data may be linked in a data store to both a customer's financial account and a cell phone assigned to that customer. The automated banking machine user may provide inputs to the machine via one or more sensors that operate to determine where on a display of the machine at least one eye of the machine user is looking.

摘要翻译： 自动银行业务机构可以根据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，用于从机器用户的卡片读取卡片数据。 卡数据可以在数据存储中链接到客户的金融账户和分配给该客户的手机。 自动银行业务机器用户可以经由一个或多个传感器向机器提供输入，该传感器操作以确定机器用户的至少一只眼睛正在看的机器的显示器的哪里。

公开(公告)号：US07866544B1

公开(公告)日：2011-01-11

申请号：US11370513

申请日：2006-03-07

申请人： James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale Blackson

发明人： James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale Blackson

IPC分类号： G06F17/00

CPC分类号： G07F19/201 ,  G06Q20/18 ,  G06Q20/3224 ,  G07F19/20 ,  G07F19/2055 ,  G07F19/207 ,  G07G3/003 ,  H04W4/021

摘要： An ATM transaction request is authorized based on the determined location of an authorized user relative to the ATM. Identification of an authorized ATM user is linked to a remotely locatable item (e.g., a cell phone) of the authorized user. An ATM receiving the identification causes the location of the cell phone to be determined. A comparison is then made of the cell phone location and the ATM location. If the locations correspond, then the current ATM user is recognized as the authorized user and ATM transactions are permitted. If the locations do not correspond, then the current ATM user is denied ATM transactions. The security arrangement can prevent an unauthorized ATM user from using a fraudulent ATM card to access a financial account.

摘要翻译： 基于所确定的授权用户相对于ATM的位置来授权ATM交易请求。 授权ATM用户的标识被链接到授权用户的可远程定位的项目（例如，蜂窝电话）。 接收到该标识的ATM使确定手机的位置。 然后比较手机位置和ATM位置。 如果位置对应，则当前ATM用户被认定为授权用户，并允许ATM交易。 如果位置不对应，则当前ATM用户被拒绝ATM交易。 安全安排可以防止未经授权的ATM用户使用欺诈ATM卡访问财务帐户。

公开(公告)号：US08651373B1

公开(公告)日：2014-02-18

申请号：US13455175

申请日：2012-04-25

申请人： James Block ,  H. Thomas Graef ,  Paul D. Magee ,  Donald S. Nelson, Jr. ,  James Meek ,  Daniel S. McIntyre ,  Mark DePietro ,  Natarajan Ramachandran

发明人： James Block ,  H. Thomas Graef ,  Paul D. Magee ,  Donald S. Nelson, Jr. ,  James Meek ,  Daniel S. McIntyre ,  Mark DePietro ,  Natarajan Ramachandran

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

CPC分类号： G06Q20/1085 ,  G06Q40/00 ,  G07F19/20

摘要： An automated banking machine allows an authorized user to carry out transactions such as withdrawing cash, making a deposit, cashing a check, and transferring funds between accounts. The machine provides a transaction selection screen through a touch screen display. The transaction selection screen includes a plurality of visually different icons. Each icon represents a different transaction that is available to the current machine user. The user can select a particular transaction by dragging its representative icon with a contacting finger. Upon selection of the particular transaction, a display screen unique to that particular transaction is then provided through the touch screen display.

摘要翻译： 自动银行机器允许授权用户进行交易，例如提取现金，存款，兑现支票以及在账户之间转账。 该机器通过触摸屏显示器提供交易选择屏幕。 交易选择屏幕包括多个视觉上不同的图标。 每个图标表示当前机器用户可用的不同事务。 用户可以通过用接触手指拖动其代表性图标来选择特定交易。 在选择特定交易时，然后通过触摸屏显示器提供该特定交易特有的显示屏幕。

公开(公告)号：US08505814B1

公开(公告)日：2013-08-13

申请号：US13735393

申请日：2013-01-07

申请人： James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffrey M. Enright ,  Dale H. Blackson

发明人： James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffrey M. Enright ,  Dale H. Blackson

IPC分类号： G07F19/00

CPC分类号： G07F19/207 ,  G07F19/20

摘要： Automated banking machines include a Global Positioning System (GPS). The machines can transmit their GPS location reading to a service center. The service center can receive through a customer's cell phone, a customer request for directions to the nearest card-reading cash-dispensing machine that does not have a transaction fee. The customer request can include account data and GPS location of the cell phone. The service center can determine from the account data which financial networks would not cause the customer to be assessed a transaction fee for a cash withdrawal. The service center can then determine from the GPS locations of the machines in these financial networks, which machine is geographically closest to the phone's GPS location. Directions to this nearest automated banking machine are then sent to the phone.

摘要翻译： 自动银行机包括全球定位系统（GPS）。 机器可以将GPS位置读数传送到服务中心。 服务中心可以通过客户的手机接收客户的请求，要求最近的没有交易费用的读卡式点钞机的指示。 客户请求可以包括手机的帐户数据和GPS位置。 服务中心可以从帐户数据中确定哪些金融网络不会导致客户对现金提款的交易费用进行评估。 然后，服务中心可以从这些金融网络中的机器的GPS位置确定哪个机器在地理上最接近电话的GPS位置。 到最近的自动银行机的方向然后发送到手机。

公开(公告)号：US08348151B1

公开(公告)日：2013-01-08

申请号：US13411987

申请日：2012-03-05

申请人： James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson

发明人： James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson

IPC分类号： G06F17/60

CPC分类号： G07F19/207 ,  G07F19/20

摘要： Automated banking machines include a Global Positioning System (GPS). The machines can transmit their GPS location reading to a service center. The service center can receive through a customer's cell phone, a customer request for directions to the nearest cash dispensing machine that does not have a transaction fee. The customer request can include account data and GPS location of the cell phone. The service center can determine from the account data which financial networks would not cause the customer to be assessed a transaction fee for a cash withdrawal. The service center can then determine from the GPS locations of the machines in these financial networks, which machine is geographically closest to the cell phone's GPS location. Directions to this nearest automated banking machine are then sent to the cell phone.

摘要翻译： 自动银行机包括全球定位系统（GPS）。 机器可以将GPS位置读数传送到服务中心。 服务中心可以通过客户的手机接收客户的请求，指示最近没有交易费用的最近的现金分发机。 客户请求可以包括手机的帐户数据和GPS位置。 服务中心可以从帐户数据中确定哪些金融网络不会导致客户对现金提款的交易费用进行评估。 然后，服务中心可以从这些金融网络中的机器的GPS位置确定哪个机器在地理上最接近于手机的GPS位置。 到最近的自动银行机的方向然后发送到手机。

公开(公告)号：US08336766B1

公开(公告)日：2012-12-25

申请号：US13068461

申请日：2011-05-11

申请人： Willis Miller ,  Matthew R. Zaugg ,  James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Mark A. Douglass ,  Michael Scanlon ,  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 ,  Michael Scanlon ,  Dale H. Blackson

IPC分类号： G07F19/00 ,  G06Q40/00

CPC分类号： G07F19/20 ,  G07F19/2055 ,  G07F19/211

摘要： An automated banking machine is part of a banking system that operates to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that operates to read data from user cards corresponding to financial accounts. A card account's status is listed in a data store as either blocked or unblocked for use in approving transactions on the account. A requested transaction on an account cannot be carried out by the machine unless the account has an unblocked status. Read card data is sent from the machine to a remote card security computer which can determine the card account status from the data store. If the account is unblocked, then the machine can continue with the requested transaction and seek transaction approval from a transaction host computer associated with the machine.

摘要翻译： 自动银行机器是银行系统的一部分，用于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，用于从与财务帐户对应的用户卡读取数据。 卡片帐户的状态在数据存储中列为阻止或解除封锁以用于批准帐户上的交易。 除非帐户具有未阻止状态，否则无法由机器执行帐户上所请求的交易。 读卡数据从机器发送到可以从数据存储确定卡帐户状态的远程卡安全计算机。 如果帐户被解除阻塞，则机器可以继续所请求的交易，并从与该机器相关联的交易主机计算机寻求交易批准。

公开(公告)号：US07954703B2

公开(公告)日：2011-06-07

申请号：US12800878

申请日：2010-05-25

申请人： Willis Miller ,  Matthew R. Zaugg ,  James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Mark A. Douglass ,  Dale H. Blackson

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。

公开(公告)号：US07946480B2

公开(公告)日：2011-05-24

申请号：US12584491

申请日：2009-09-04

申请人： Willis Miller ,  Matthew R. Zaugg ,  James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson ,  Caren R. Blackson, legal representative ,  Mark A. Douglass

发明人： Willis Miller ,  Matthew R. Zaugg ,  James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson ,  Mark A. Douglass

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： An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that reads card data from a card of a machine user. The card data is linked in a data store to both a customer's financial account and a cell phone assigned to that customer. In response to the user's transaction request, contact data for the assigned cell phone is determined from the data store using the read card data. A transaction security code is then sent to that cell phone. The transaction is allowed to proceed only if the user inputs the sent security code to the machine within a predetermined amount of time. Transaction allowance may also be based on a real time determination that the assigned cell phone is physically located proximate the machine.

摘要翻译： 自动银行业务机构可以根据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，用于从机器用户的卡片读取卡片数据。 卡数据在数据存储中链接到客户的金融帐户和分配给该客户的手机。 响应于用户的交易请求，使用读卡数据从数据存储确定分配的手机的联系人数据。 然后将交易安全码发送到该手机。 仅当用户在预定的时间内将所发送的安全码输入机器时才允许该事务进行。 交易津贴也可以基于分配的手机物理上位于机器附近的实时确定。

公开(公告)号：US07240829B2

公开(公告)日：2007-07-10

申请号：US11475615

申请日：2006-06-27

申请人： H. Thomas Graef ,  Natarajan Ramachandran ,  Pedro Tula

发明人： H. Thomas Graef ,  Natarajan Ramachandran ,  Pedro Tula

IPC分类号： G06F19/00

CPC分类号： G07F1/041 ,  G07D11/0006 ,  G07D11/0018 ,  G07D11/0021 ,  G07D11/0081 ,  G07F19/20 ,  G07F19/202

摘要： An ATM can accept a bulk stack of currency notes for deposit from a customer. The ATM includes a stack transporter (400) that can rotate an accepted stack while relocating it to a predetermined location inside of the machine. The stack transporter includes a rotatable housing (406) in which a stack holder (404) is movable. The stack holder can receive a currency stack (411) deposited in a fascia opening (412) by a customer. The stack holder is retracted to move the stack away from the opening and into the housing to completely move the stack into the machine. The housing, having the bulk stack therein, is then rotated to move the stack away from the opening and toward a stack processing area in the machine. The stack holder is then extended to expose a stack end out of the housing for stack processing.