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：US08317092B2

公开(公告)日：2012-11-27

申请号：US13479713

申请日：2012-05-24

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

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

IPC分类号： G06K5/00

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.

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：US07798395B2

公开(公告)日：2010-09-21

申请号：US11542644

申请日：2006-10-03

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

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

IPC分类号： G06F17/60

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.

公开(公告)号：US20100176191A1

公开(公告)日：2010-07-15

申请号：US12661499

申请日：2010-03-18

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 ,  G06K5/00

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.

公开(公告)号：US07686212B2

公开(公告)日：2010-03-30

申请号：US12287058

申请日：2008-10-03

申请人： Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson

发明人： Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson

IPC分类号： G07F19/00

CPC分类号： G07F19/2055 ,  G07F19/20 ,  G07F19/207

摘要： An automated banking machine that operates responsive to data read from data bearing records has sensing devices adjacent a card reader slot. The sensing devices enable detection of a fraudulent card reading device.

摘要翻译： 响应于从数据承载记录读取的数据操作的自动银行机器具有与读卡器插槽相邻的感测装置。 感测装置能够检测欺诈性读卡装置。

公开(公告)号：US07583290B2

公开(公告)日：2009-09-01

申请号：US10796506

申请日：2004-03-09

申请人： Jeffery M. Enright ,  Thomas S. Mason ,  Dean Stewart ,  Dale H. Blackson ,  Natarajan Ramachandran

发明人： Jeffery M. Enright ,  Thomas S. Mason ,  Dean Stewart ,  Dale H. Blackson ,  Natarajan Ramachandran

IPC分类号： H04N7/18

CPC分类号： G06Q20/18 ,  G07F19/20 ,  G07F19/201 ,  G07F19/205 ,  G07F19/207 ,  G07F19/211 ,  H04N7/188

摘要： An automated banking machine is operative to dispense cash to authorized users. The user interface of the machine includes features for detection of fraudulent activities at the machine. Sensors are provided for detecting the installation of unauthorized card reading devices adjacent the card reader. Vibration sensors are used to detect the installation of unauthorized card reading or bill trap devices. A machine controller or other processor is programmed to detect events or circumstances which may indicate that improper activity is occurring. Cameras are used to capture images of the user interface. Changes in the images are analyzed by a computer to detect the installation of unauthorized devices.

摘要翻译： 自动银行机可以向授权用户分配现金。 机器的用户界面包括用于检测机器上的欺诈活动的功能。 提供传感器用于检测与读卡器相邻的未经授权的读卡装置的安装。 振动传感器用于检测未经授权的读卡装置的安装，或者是采用窃电设备。 机器控制器或其他处理器被编程以检测可能指示发生不正当活动的事件或情况。 相机用于捕获用户界面的图像。 计算机分析图像的变化，以检测未经授权的设备的安装。

公开(公告)号：US07483848B2

公开(公告)日：2009-01-27

申请号：US10601950

申请日：2003-06-23

申请人： Jeffery M. Enright ,  Thomas S. Mason ,  Dean Stewart ,  Natarajan Ramachandran ,  Dale H. Blackson

发明人： Jeffery M. Enright ,  Thomas S. Mason ,  Dean Stewart ,  Natarajan Ramachandran ,  Dale H. Blackson

IPC分类号： G06Q40/00

CPC分类号： G06Q20/18 ,  G06Q40/00 ,  G07F19/20 ,  G07F19/201 ,  G07F19/2055 ,  G07F19/207 ,  H04N7/188

摘要： An automated banking machine (10) includes a lockable first fascia portion (20) which when unlocked enables access to a chest lock input device (104), inputs to which enable opening a chest door (18) of the machine. Opening the first fascia portion also enables access to an actuator (116) which enables moving a second fascia portion (22) for conducting service activities. A baffle structure (164) is positioned on the housing adjacent the second fascia portion to enable cooling air flow within the housing of the machine and to prevent the introduction of moisture into the housing. A controller (72) in the machine selectively illuminates light emitting devices (118, 126) for purposes of facilitating user operation of the machine. Sensing devices (128) adjacent a card reader slot (28) on the machine enables the controller to detect the presence of a fraud device or unauthorized card reading devices.

摘要翻译： 自动银行机器（10）包括可锁定的第一面板部分（20），当被解锁时，可以访问胸锁锁输入装置（104），输入能够打开机器的胸部门（18）。 打开第一面板部分还使得能够进入能够移动第二面板部分（22）以进行服务活动的致动器（116）。 挡板结构（164）被定位在与第二面板部分相邻的壳体上，以使得能够在机器的壳体内冷却空气流，并且防止湿气引入到壳体中。 机器中的控制器（72）为了便于用户操作机器而选择性地照亮发光装置（118,126）。 与机器上的读卡器插槽（28）相邻的传感设备（128）使得控制器能够检测到欺诈设备或未经授权的读卡设备的存在。

公开(公告)号：US07240827B2

公开(公告)日：2007-07-10

申请号：US10601813

申请日：2003-06-23

申请人： Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson

发明人： Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson

IPC分类号： G06Q40/00

CPC分类号： G07F19/2055 ,  G07F19/20 ,  G07F19/207

摘要： An automated banking machine (10) includes a lockable first fascia portion (20) which when unlocked enables access to a chest lock input device (104), inputs to which enable opening a chest door (18) of the machine. Opening the first fascia portion also enables access to an actuator (116) which enables moving a second fascia portion (22) for conducting service activities. A baffle structure (164) is positioned on the housing adjacent the second fascia portion to enable cooling air flow within the housing of the machine and to prevent the introduction of moisture into the housing. A controller (72) in the machine selectively illuminates light emitting devices (118, 126) for purposes of facilitating user operation of the machine. Sensing devices (128) adjacent a card reader slot (28) on the machine enables the controller to detect the presence of a fraud device or unauthorized card reading devices.

摘要翻译： 自动银行机器（10）包括可锁定的第一面板部分（20），当被解锁时，可以访问胸锁锁输入装置（104），输入能够打开机器的胸部门（18）。 打开第一面板部分还使得能够进入能够移动第二面板部分（22）以进行服务活动的致动器（116）。 挡板结构（164）被定位在与第二面板部分相邻的壳体上，以使得能够在机器的壳体内冷却空气流，并且防止湿气引入到壳体中。 机器中的控制器（72）为了便于用户操作机器而选择性地照亮发光装置（118,126）。 与机器上的读卡器插槽（28）相邻的传感设备（128）使得控制器能够检测到欺诈设备或未经授权的读卡设备的存在。