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    Cash dispensing automated banking machine
    61.
    发明授权
    Cash dispensing automated banking machine 有权
    现金分配自动银行机

    公开(公告)号：US07850073B1

    公开(公告)日：2010-12-14

    申请号：US12321967

    申请日：2009-01-26

    申请人： Natarajan Ramachandran ,  Ashok Modi ,  Jeff Hill ,  Ray Motz ,  Klaus Steinbach

    发明人： Natarajan Ramachandran ,  Ashok Modi ,  Jeff Hill ,  Ray Motz ,  Klaus Steinbach

    IPC分类号： G07F19/00

    CPC分类号： G06Q20/3227 ,  G06Q20/18 ,  G06Q20/223 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/325 ,  G06Q20/3276 ,  G06Q20/3278 ,  G06Q20/3821 ,  G06Q20/40145 ,  G07F19/20 ,  G07F19/205 ,  G07G1/0045 ,  G07G1/0081

    摘要： An automated banking machine that operates responsive to data bearing records such as user cards includes a user interface having electronic ink displays. Displays can be used as identification labels. A display identifying the function of a transaction function device can be located adjacent to that device. Displays can also be used to provide instructions to machine users. A display on how to insert a card into the ATM can be located adjacent the card input slot. A system that operates to carry out financial transfers operates in response to data read from data bearing records. A cell phone having a camera or other reader operates to cause item identifying data and account data to be transmitted to a transaction system to enable item purchase.

    摘要翻译： 响应于诸如用户卡的数据承载记录操作的自动银行机包括具有电子墨水显示器的用户界面。 显示器可用作识别标签。 识别交易功能设备的功能的显示器可以位于与该设备相邻的位置。 显示器也可用于向机器用户提供说明。 关于如何将卡插入ATM的显示器可以位于卡输入插槽附近。 用于执行财务转移的系统响应于从数据记录中读取的数据。 具有照相机或其他读取器的手机操作以使物品识别数据和帐户数据被发送到交易系统以允许物品购买。

    Cash dispensing automated banking machine with instructional electronic ink displays
    62.
    发明授权
    Cash dispensing automated banking machine with instructional electronic ink displays 有权
    带有教学电子墨水显示器的现金分发自动银行机

    公开(公告)号：US07481360B1

    公开(公告)日：2009-01-27

    申请号：US11228089

    申请日：2005-09-15

    申请人： Natarajan Ramachandran ,  Ashok Modi ,  Jeff Hill ,  Ray Motz ,  Klaus Steinbach

    发明人： Natarajan Ramachandran ,  Ashok Modi ,  Jeff Hill ,  Ray Motz ,  Klaus Steinbach

    IPC分类号： G07F19/00

    CPC分类号： G06Q20/3227 ,  G06Q20/18 ,  G06Q20/223 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/325 ,  G06Q20/3276 ,  G06Q20/3278 ,  G06Q20/3821 ,  G06Q20/40145 ,  G07F19/20 ,  G07F19/205 ,  G07G1/0045 ,  G07G1/0081

    摘要： An ATM includes a user interface having plural electronic ink displays. Displays can be used as identification labels. A display identifying the function of a transaction function device can be located adjacent to that device. Displays can also be used to provide instructions to machine users. A display on how to insert a card into the ATM can be located adjacent the card input slot. An display can be in direct communication with both a card reader and an encryption pin pad (“EPP”). Upon suspecting card reader tampering, the card reader can instruct the display to present a message warning of the situation. Likewise, upon suspecting EPP tampering, the EPP can instruct the display to present a warning message. Displays can also instruct a machine user on when and when not to insert their PIN depending on the mode of the EPP.

    摘要翻译： ATM包括具有多个电子墨水显示器的用户界面。 显示器可用作识别标签。 识别交易功能设备的功能的显示器可以位于与该设备相邻的位置。 显示器也可用于向机器用户提供说明。 关于如何将卡插入ATM的显示器可以位于卡输入插槽附近。 显示器可以与读卡器和加密引脚焊盘（“EPP”）直接通信。 一旦怀疑读卡器被篡改，读卡器可以指示显示器呈现一个消息警告的情况。 同样地，EPP可疑EPP篡改后，可以指示显示屏发出警告信息。 根据EPP的模式，显示器还可以指示机器用户什么时候何时插入PIN码。

    Banking Terminal that Operates to Cause Financial Transfers Responsive to Data Bearing Records
    65.
    发明申请
    Banking Terminal that Operates to Cause Financial Transfers Responsive to Data Bearing Records 有权
    运营资金转移的银行终端对数据记录的响应

    公开(公告)号：US20120074217A1

    公开(公告)日：2012-03-29

    申请号：US13311033

    申请日：2011-12-05

    申请人： James Block ,  Natarajan Ramachandran ,  Ashok Modi ,  Jeff Hill ,  Ray Motz ,  Klaus Steinbach

    发明人： James Block ,  Natarajan Ramachandran ,  Ashok Modi ,  Jeff Hill ,  Ray Motz ,  Klaus Steinbach

    IPC分类号： G07F19/00

    CPC分类号： G07F19/206 ,  G06Q20/327 ,  G06Q20/4014 ,  G07F19/20 ,  G07F19/205

    摘要： A portable terminal operates to cause financial transfers responsive to data read from data bearing records in the form of user cards. The user cards include credit and/or debit cards. Data corresponding to the card data is stored in at least one memory of the terminal. The terminal includes a wireless communication device. The terminal operates to wirelessly communicate data corresponding to card data to one or more remote computers to cause financial transfers to or from selected accounts. The terminal also operates to provide outputs corresponding to account balances and to receive data corresponding to receipts.

    摘要翻译： 便携式终端操作以响应于以用户卡的形式从数据承载记录读取的数据进行财务转移。 用户卡包括信用卡和/或借记卡。 对应于卡数据的数据被存储在终端的至少一个存储器中。 终端包括无线通信设备。 该终端用于将与卡数据相对应的数据无线地传送到一个或多个远程计算机，从而导致从所选帐户进入或来自所选账户的资金转移 终端还用于提供对应于帐户余额的输出并且接收对应于收据的数据。

    Automated banking machine operation authorization based on user location verified by data read from data bearing records
    69.
    发明授权
    Automated banking machine operation authorization based on user location verified by data read from data bearing records 有权
    基于从数据记录读取的数据验证的基于用户位置的自动银行机操作授权

    公开(公告)号：US08479983B1

    公开(公告)日：2013-07-09

    申请号：US13608255

    申请日：2012-09-10

    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： G06F19/60

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

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

    摘要翻译： 基于授权用户相对于机器的确定位置来授权自动银行机交易请求。 授权机器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）。 接收用户标识的机器导致确定手机的位置。 然后比较手机位置和机器位置。 如果位置对应，则当前机器用户被识别为授权用户，并允许机器交易。 如果位置不对应，则当前用户被拒绝在机器处理。 安全安排有助于防止未经授权的人使用欺诈性机器卡访问财务帐户。

    Banking system controlled responsive to data bearing records
    70.
    发明授权
    Banking system controlled responsive to data bearing records 有权

    公开(公告)号：US08474707B2

    公开(公告)日：2013-07-02

    申请号：US13565905

    申请日：2012-08-03

    申请人： Natarajan Ramachandran

    发明人： Natarajan Ramachandran

    IPC分类号： G06K5/00

    CPC分类号： G06Q20/32 ,  G06Q20/042 ,  G06Q20/3276 ,  G06Q30/06 ,  G06Q40/02

    摘要： A banking system operates to allocate funds in accounts in response to data bearing records in the form of paper financial checks. A mobile phone has a camera and a programmable memory. The memory stores phone user data, including a bank account number and an electronic signature. The camera can be used to capture an image of a paper check which has the phone user as the payee. The phone can wirelessly transmit the account number, the electronic signature, and the check image to a bank deposit system. The system can store the check image and the electronic signature in correlated relation in a deposit transaction record. The system can cause the phone user's bank account to be credited a cash value corresponding to the check value. Confirmation of the check deposit can be transmitted to the user's phone.