公开(公告)号：US20130114877A1

公开(公告)日：2013-05-09

申请号：US13724371

申请日：2012-12-21

申请人： James Meek ,  Allan R. Bakerink ,  Bartholomew J. Frazzitta ,  Randolph C. Benore ,  Daniel S. McIntyre ,  Mark DePietro

发明人： James Meek ,  Allan R. Bakerink ,  Bartholomew J. Frazzitta ,  Randolph C. Benore ,  Daniel S. McIntyre ,  Mark DePietro

IPC分类号： G06Q20/10 ,  G07F19/00 ,  G06K9/60

CPC分类号： G06K9/60 ,  G06K9/00442 ,  G06Q20/105 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/40145 ,  G06Q30/02 ,  G06Q30/0201 ,  G06Q30/0241 ,  G07F19/20 ,  G07F19/201 ,  G07F19/211 ,  H04N7/18

摘要： A banking system includes automated banking machines that operate responsive to data read from data bearing records. Transactions may also be carried out through communication with local and remote service providers. An automated banking machine is operative to conduct transactions including cash dispensing for users, responsive to data read from user cards and communication with a transaction host. The machine is also operative to provide output signals which drive external displays. A machine processor is operative to cause the machine to receive visual and/or audio content from content sources and to store data corresponding to the content. The content is then output through the external displays.

摘要翻译： 银行系统包括响应于从数据记录读取的数据而操作的自动银行机。 交易也可以通过与本地和远程服务提供商的通信进行。 一种自动银行机器可操作以响应于从用户卡读取的数据和与交易主机的通信来进行包括用户现金分配的交易。 该机器还可以提供驱动外部显示器的输出信号。 机器处理器可操作以使机器从内容源接收视觉和/或音频内容并存储对应于内容的数据。 然后通过外部显示器输出内容。

公开(公告)号：US20120305641A1

公开(公告)日：2012-12-06

申请号：US13567022

申请日：2012-08-04

申请人： James Meek ,  Allan R. Bakerink ,  Bartholomew J. Frazzitta ,  Randolph C. Benore ,  Daniel S. McIntyre ,  Mark DePietro

发明人： James Meek ,  Allan R. Bakerink ,  Bartholomew J. Frazzitta ,  Randolph C. Benore ,  Daniel S. McIntyre ,  Mark DePietro

IPC分类号： G06Q40/02

CPC分类号： G06K9/60 ,  G06K9/00442 ,  G06Q20/105 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/40145 ,  G06Q30/02 ,  G06Q30/0201 ,  G06Q30/0241 ,  G07F19/20 ,  G07F19/201 ,  G07F19/211 ,  H04N7/18

摘要： A system includes automated banking machines that operate responsive to data read from data bearing records. Transactions can be carried out through communication with local and remote service providers. An automated banking machine is operable to conduct transactions for machine users responsive to data read from user cards and communication with a transaction host. The machine is operable to provide output signals which drive external displays. The machine is operable to receive visual and/or audio content from remote content sources, store data corresponding to the content, and then output the content through the external displays.

摘要翻译： 系统包括响应于从数据记录读取的数据进行操作的自动银行机。 可以通过与本地和远程服务提供商的通信来进行交易。 自动银行机可操作以响应于从用户卡读取的数据和与交易主机的通信来对机器用户进行交易。 该机器可操作以提供驱动外部显示器的输出信号。 该机器可操作以从远程内容源接收视频和/或音频内容，存储对应于内容的数据，然后通过外部显示器输出内容。

公开(公告)号：US08061593B1

公开(公告)日：2011-11-22

申请号：US12924633

申请日：2010-10-01

申请人： H. Thomas Graef ,  James Meek

发明人： H. Thomas Graef ,  James Meek

IPC分类号： G06Q40/00 ,  G06Q30/00 ,  G07D11/00 ,  G07F19/00 ,  G06K5/00 ,  G06F7/08

CPC分类号： G07F19/201 ,  G06Q20/1085 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q30/02 ,  G06Q30/0251 ,  G06Q30/0271 ,  G07F19/20 ,  G07F19/211

摘要： An automated transaction machine includes a card reader that can read a unique magnetic characteristic of a magnetic stripe on a card. The machine can then send data reflective of the read characteristic to a remote card validator. The card validator can compare the received data to referenced magnetic characteristic data corresponding to cards authorized for use with the machine. The machine can also communicate with a transaction host computer to carry out a financial transaction. As a result of the magnetic data comparison, an invalid card can be discovered and a fraudulent transaction prevented. Communication between the card validator and machine is independent from communication between the transaction host and machine.

摘要翻译： 自动交易机器包括读卡器，其可以读取卡上的磁条的独特磁特性。 然后，机器可以将反映读取特性的数据发送到远程卡验证器。 卡验证器可以将接收的数据与对应于授权与机器一起使用的卡相对应的参考磁特性数据进行比较。 该机器还可以与交易主机通信以进行金融交易。 作为磁数据比较的结果，可以发现无效的卡并防止欺诈交易。 卡验证器和机器之间的通信独立于交易主机与机器之间的通信。

公开(公告)号：US20110196785A1

公开(公告)日：2011-08-11

申请号：US13066323

申请日：2011-04-12

申请人： James Meek ,  Allan R. Bakerink ,  Bartholomew J. Frazzitta ,  Randolph C. Benore ,  Daniel S. McIntyre ,  Mark DePietro

发明人： James Meek ,  Allan R. Bakerink ,  Bartholomew J. Frazzitta ,  Randolph C. Benore ,  Daniel S. McIntyre ,  Mark DePietro

IPC分类号： G06Q40/00 ,  G07F19/00

CPC分类号： G06Q30/02 ,  G06Q20/10 ,  G07F19/20 ,  G07F19/201 ,  G07F19/211 ,  H04N7/18

摘要： An exemplary system includes an automated banking machine (322) which is operable to conduct transactions including cash dispensing for users responsive to communication with a transaction host (336). The machine is also operative to provide output signals which drive external displays (328, 330) which are separate from the machine. The machine is operable to receive visual and audio content from one or more broadcast content sources (342, 343) and to store the content in the machine. The content is then output through the external displays. The machine is also operative to receive and store a plurality of advertising messages. The advertising messages are output in a targeted manner to users of the machine.

摘要翻译： 示例性系统包括自动银行机（322），其可操作以响应于与交易主机的通信（336）进行交易，包括用户的现金分配。 该机器还可操作以提供驱动与机器分离的外部显示器（328,330）的输出信号。 该机器可操作以从一个或多个广播内容源（342,343）接收视频和音频内容，并将内容存储在机器中。 然后通过外部显示器输出内容。 该机器还可操作以接收和存储多个广告消息。 广告信息以有针对性的方式输出给机器的用户。

公开(公告)号：US07891550B1

公开(公告)日：2011-02-22

申请号：US11732410

申请日：2007-04-03

申请人： Mark D. Smith ,  James Meek ,  Allan R. Bakerink ,  Randolph C. Benore ,  Daniel S. McIntyre ,  Mark DePietro

发明人： Mark D. Smith ,  James Meek ,  Allan R. Bakerink ,  Randolph C. Benore ,  Daniel S. McIntyre ,  Mark DePietro

IPC分类号： G07F19/00

CPC分类号： G07F19/201 ,  G06Q30/02 ,  G07F19/20 ,  G07F19/211

摘要： A banking transaction processing system includes customer stations and at least one server provider station. The customer stations include automated banking machines. Each automated banking machine includes a card reader that reads indicia on user cards corresponding to financial accounts. Each automated banking machine also includes a cash dispenser. Service providers at service provider stations are enabled to communicate with customers at automated banking machines to help carry out transactions. Customers at automated banking machines may also carry out banking transactions without the involvement of service providers. Pneumatic tube transport systems may be used for moving items between local service providers and customers. In some embodiments, computers operating facial image transformation software and vocal sound transformation software enable outputs at customer stations which correspond to facial images and vocal sounds that customers may find more acceptable than those produced by the actual service provider.

摘要翻译： 银行交易处理系统包括客户站和至少一个服务器提供者站。 客户站包括自动银行机。 每个自动银行机器包括读卡器，其读取对应于财务帐户的用户卡上的标记。 每个自动银行机还包括一个自动提款机。 服务提供商站的服务提供商能够与自动银行机上的客户进行通信，以帮助进行交易。 自动银行业务的客户也可以在没有服务提供商参与的情况下进行银行交易。 气动管道运输系统可用于在本地服务提供商和客户之间移动物品。 在一些实施例中，操作面部图像转换软件和声音声音转换软件的计算机使客户站处的输出能够对应于面部图像和声音，客户可能发现其比实际服务提供商产生的声音更可接受。

公开(公告)号：US07854378B1

公开(公告)日：2010-12-21

申请号：US11732407

申请日：2007-04-03

申请人： Mark D. Smith ,  James Meek ,  Allan R. Bakerink ,  Randolph C. Benore ,  Daniel S. McIntyre ,  Mark DePietro

发明人： Mark D. Smith ,  James Meek ,  Allan R. Bakerink ,  Randolph C. Benore ,  Daniel S. McIntyre ,  Mark DePietro

IPC分类号： G07F19/00

CPC分类号： G07F19/201 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/211

摘要： A banking transaction processing system includes customer stations and at least one server provider station. The customer stations include automated banking machines. Each automated banking machine includes a card reader that reads indicia on user cards corresponding to financial accounts. Each automated banking machine also includes a cash dispenser. Service providers at service provider stations are enabled to communicate with customers at automated banking machines to help carry out transactions. Customers at automated banking machines may also carry out banking transactions without the involvement of service providers. Pneumatic tube transport systems may be used for moving items between local service providers and customers. In some embodiments, computers operating facial image transformation software and vocal sound transformation software enable outputs at customer stations which correspond to facial images and vocal sounds that customers may find more acceptable than those produced by the actual service provider.

摘要翻译： 银行交易处理系统包括客户站和至少一个服务器提供者站。 客户站包括自动银行机。 每个自动银行机器包括读卡器，其读取对应于财务帐户的用户卡上的标记。 每个自动银行机还包括一个自动提款机。 服务提供商站的服务提供商能够与自动银行机上的客户进行通信，以帮助进行交易。 自动银行业务的客户也可以在没有服务提供商参与的情况下进行银行交易。 气动管道运输系统可用于在本地服务提供商和客户之间移动物品。 在一些实施例中，操作面部图像转换软件和声音声音转换软件的计算机使客户站处的输出能够对应于面部图像和声音，客户可能发现其比实际服务提供商产生的声音更可接受。

公开(公告)号：US07246082B1

公开(公告)日：2007-07-17

申请号：US10330877

申请日：2002-12-27

申请人： James Meek ,  Donald McCoy ,  Gregory Shimek ,  Ron DiFrango ,  Anthony Lee ,  Ken Koran ,  William Hemlick ,  Changning Jiang ,  Robert D. Symonds ,  Irek Singer ,  Peter St.George ,  Robert Bradley Gill

发明人： James Meek ,  Donald McCoy ,  Gregory Shimek ,  Ron DiFrango ,  Anthony Lee ,  Ken Koran ,  William Hemlick ,  Changning Jiang ,  Robert D. Symonds ,  Irek Singer ,  Peter St.George ,  Robert Bradley Gill

IPC分类号： G06F17/60

CPC分类号： G07F19/20 ,  G06Q20/1085 ,  G06Q20/20 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0212 ,  G06Q30/0235 ,  G06Q30/0236 ,  G06Q30/0239 ,  G06Q30/0241 ,  G06Q30/0242 ,  G06Q30/0251 ,  G06Q30/0255 ,  G06Q30/0277 ,  G07F19/201 ,  G07F19/211

摘要： A marketing system includes a plurality of automated transaction machines (74, 76, 78, 80, 82, 84, 86). The automated transaction machines operate to carry out financial transactions with associated host computers (90, 94, 100, 104). Marketing presentations are stored on and output from the transaction machines responsive to messages exchanged with a market message server (110) which is connected to the automated transaction machines through a network (108). The connection to the automated transaction machines, which provides delivery of the market presentation materials and which causes the output of presentations, is generally independent of the messages associated with authorizing financial transactions. Some described embodiments of the invention enable presenting marketing campaigns to users of the transaction machines. The marketing campaigns may include sequences of presentations that are output on a targeted basis to particular users.

摘要翻译： 营销系统包括多个自动交易机器（74,76,78,80,82,84,86）。 自动交易机器操作以与相关联的主机（90,94,100,40）进行金融交易。 响应于与通过网络（108）连接到自动交易机器的市场消息服务器（110）交换的消息，营销演示被存储在交易机器上并从交易机器输出。 与自动交易机器的连接，其提供市场介绍材料的交付以及导致演示的输出，通常独立于与授权金融交易相关联的消息。 本发明的一些描述的实施例能够向交易机器的用户呈现营销活动。 营销活动可以包括针对特定用户输出的演示序列。

公开(公告)号：US20070095896A1

公开(公告)日：2007-05-03

申请号：US11408535

申请日：2006-04-21

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

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

IPC分类号： G07F19/00

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：US20060180655A1

公开(公告)日：2006-08-17

申请号：US11360037

申请日：2006-02-21

申请人： James Meek ,  Allan Bakerink ,  Bartholomew Frazzitta ,  Randolph Benore ,  Daniel McIntyre ,  Mark DePietro

发明人： James Meek ,  Allan Bakerink ,  Bartholomew Frazzitta ,  Randolph Benore ,  Daniel McIntyre ,  Mark DePietro

IPC分类号： G07F19/00

CPC分类号： G06Q30/02 ,  G07F19/20 ,  G07F19/201 ,  G07F19/211 ,  H04N7/18

摘要： An exemplary system includes an ATM (322) which is operative to conduct transactions including cash dispensing for users responsive to communication with a transaction host (336). The ATM is also operative to provide output signals which drive external displays (328, 330) which are separate from the ATM. The processor in the ATM is also operative to cause the ATM to receive visual and/or audio content from one or more content sources (342, 343) and to store data corresponding to such content in the ATM. Such content is then output through the external displays. The ATM is also operative to receive and store a plurality of advertising messages. The advertising messages are output in a targeted manner to users of the ATM.

公开(公告)号：US20060180653A1

公开(公告)日：2006-08-17

申请号：US11360008

申请日：2006-02-21

申请人： James Meek ,  Allan Bakerink ,  Bartholomew Frazzitta ,  Randolph Benore ,  Daniel McIntyre ,  Mark DePietro

发明人： James Meek ,  Allan Bakerink ,  Bartholomew Frazzitta ,  Randolph Benore ,  Daniel McIntyre ,  Mark DePietro

IPC分类号： G07F19/00

CPC分类号： G06Q30/02 ,  G06Q20/10 ,  G07F19/20 ,  G07F19/201 ,  G07F19/211 ,  H04N7/18

摘要： An exemplary system includes an ATM (322) which is operative to conduct transactions including cash dispensing for users responsive to communication with a transaction host (336). The ATM is also operative to provide output signals which drive external displays (328, 330) which are separate from the ATM. The processor in the ATM is also operative to cause the ATM to receive visual and/or audio content from one or more content sources (342, 343) and to store data corresponding to such content in the ATM. Such content is then output through the external displays. The ATM is also operative to receive and store a plurality of advertising messages. The advertising messages are output in a targeted manner to users of the ATM.