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71.发明授权公开(公告)号：US08245916B2
公开(公告)日：2012-08-21
申请号：US13068596
申请日：2011-05-16
CPC分类号： G06K7/0004 , G06K19/08 , G06Q20/341 , G07F7/0886 , G07F7/1008
摘要： An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. The card reader may include a data store including a card reader device driver therein. The card reader may further communicate the device driver to a automated banking machine software application component, which is operative to use the device driver to operate the card reader.
摘要翻译： 一种自动银行机系统可以根据从数据记录中读取的数据进行财务转移。 该系统可操作用读卡器读取带有金融卡的帐户标记。 用户能够响应于从卡读取的帐户指示而执行至少一个银行操作。 这种银行业务可能包括发放现金和存取财务账目。 读卡器可以包括其中包括读卡器设备驱动器的数据存储器。 读卡器还可以将设备驱动程序传送到自动银行业务机器软件应用组件，该组件可操作以使用设备驱动程序来操作读卡器。
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72.发明授权公开(公告)号：US08240556B2
公开(公告)日：2012-08-14
申请号：US13373168
申请日：2011-11-07
CPC分类号： G06Q20/1085 , G06K7/0004 , G06K19/08 , G06Q20/18 , G06Q20/32 , G06Q20/3223 , G06Q20/327 , G06Q20/341 , G07F7/0886 , G07F7/1008 , G07F17/16 , G07F19/20 , G07F19/203 , G07F19/211
摘要： An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. A user is also enabled to perform at least one banking operation responsive to financial account data communicated to the automated banking machine from a mobile phone.
摘要翻译： 一种自动银行机系统可以根据从数据记录中读取的数据进行财务转移。 该系统可操作用读卡器读取带有金融卡的帐户标记。 用户能够响应于从卡读取的帐户标记来执行至少一个银行操作。 这种银行业务可能包括发放现金和存取财务账目。 用户还能够响应于从移动电话传送到自动银行机的金融账户数据来执行至少一个银行操作。
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73.发明授权公开(公告)号：US08186576B2
公开(公告)日：2012-05-29
申请号：US13068068
申请日：2011-05-02
CPC分类号： G06Q20/1085 , G06F3/023 , G06F3/04895 , G06F17/30861 , G06Q20/00 , G06Q20/042 , G06Q20/0453 , G06Q20/10 , G06Q20/18 , G06Q20/40 , G06Q30/06 , G06Q40/00 , G07F19/20 , G07F19/201 , G07F19/206 , G07F19/211 , G07G5/00 , H04L29/06 , H04L63/0853 , H04L67/02 , H04L67/12 , H04L67/2842 , H04L67/34 , H04L69/329
摘要： A banking system controlled responsive to data bearing records includes a card reader that can read identifying data from user cards. The system can authorize operation of an automated banking machine responsive to the read data. The machine can provide an electronic transaction receipt to the machine user. A bank host computer is operable to submit the receipt to a system address of record with the bank. The address can correspond to an e-mail address, phone number, or other address associated with an account involved in the transaction. The receipt can also include an image associated with the transaction. The system can also operate to image a check deposited at the machine, and then electronically send the image to the check maker, the payee, and/or a clearinghouse.
摘要翻译： 响应于数据承载记录控制的银行系统包括可从用户卡读取识别数据的读卡器。 该系统可以根据读取的数据授权自动银行机的操作。 机器可以向机器用户提供电子交易收据。 银行主机可操作地将收据提交给银行的记录系统地址。 地址可以对应于与交易中涉及的帐户相关联的电子邮件地址，电话号码或其他地址。 收据还可以包括与交易相关联的图像。 该系统还可以对存放在机器上的支票进行成像，然后将图像电子地发送到支票制造者，收款人和/或结算所。
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74.发明授权公开(公告)号：US08123120B2
公开(公告)日：2012-02-28
申请号：US12072197
申请日：2008-02-25
CPC分类号： G07F19/20 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q40/02 , G07F17/42 , G07F19/206 , G07F19/211
摘要： A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including identifying data, and authorizes operation of an automated banking machine responsive to the identifying data. The system is operative send a configuration XML message to a banking machine from an application server, wherein the configuration XML data includes configuration data targeted to the banking machine. The system comprising an application server is operative to send an application XML message to the banking machine, wherein the application XML application includes application data. In addition, the application data may be mapped to at least one corresponding resource on the banking machine responsive to the configuration data. The banking machine may performing a banking transaction using the at least one resource on the banking machine responsive to the application XML message.
摘要翻译： 响应于数据承载记录控制的系统包括读卡器，其可操作以从用户卡读取卡数据，包括识别数据，以及响应于识别数据授权自动银行机的操作。 系统可操作地从应用服务器向银行机发送配置XML消息，其中配置XML数据包括针对银行业务的配置数据。 包括应用服务器的系统用于向银行机发送应用XML消息，其中应用XML应用包括应用数据。 此外，响应于配置数据，应用数据可以被映射到银行机上的至少一个对应的资源。 银行机可以响应于应用XML消息，使用银行机上的至少一个资源来执行银行交易。
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75.发明申请公开(公告)号：US20120012652A1
公开(公告)日：2012-01-19
申请号：US13200163
申请日：2011-09-20
IPC分类号： G06Q40/00
CPC分类号： G07F19/20 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q40/02 , G07F17/42 , G07F19/206 , G07F19/211
摘要： An automated banking machine controlled responsive to data bearing records includes a card reader that can read identifying data from user cards. User operation of the automated banking machine is authorized responsive to the identifying data read by the card reader. The automated banking machine is allowed temporary usage of a machine application that enables the machine to perform an authorized banking transaction requiring operation of the card reader.
摘要翻译： 响应于数据承载记录控制的自动银行机包括读卡器，其可以从用户卡读取识别数据。 响应于读卡器读取的识别数据来授权自动银行机的用户操作。 允许自动银行机器临时使用机器应用程序，使得机器能够执行需要操作读卡器的授权银行交易。
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76.发明申请公开(公告)号：US20110132981A1
公开(公告)日：2011-06-09
申请号：US12931741
申请日：2011-02-09
IPC分类号： G06Q40/00
CPC分类号： G07F19/20 , G06Q20/042 , G06Q20/1085 , G06Q40/00 , G06Q40/02 , G07F7/04 , G07F19/201 , G07F19/206 , G07F19/211
摘要： A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including identifying data, and authorizes operation of an automated banking machine responsive to the identifying data. The banking machine can generate a check in response to user inputs. The banking machine can also present the check to the machine user. The banking machine can present an interface for the user to sign the check. The user's banking account is charged an amount corresponding to the check value. In exchange for the same banking machine receiving the generated check, the user is provided with cash dispensed from the banking machine. The banking machine also allows a user to select having a canceled check image displayed at the machine and/or sent to the user's network address.
摘要翻译： 响应于数据承载记录控制的系统包括读卡器，其可操作以从用户卡读取卡数据，包括识别数据，以及响应于识别数据授权自动银行机的操作。 银行机器可以根据用户输入生成支票。 银行机器还可以向机器用户提供支票。 银行机器可以为用户提供一个接口来签署支票。 用户的银行帐户收取与支票值对应的金额。 为了兑换相同的银行机器接收所生成的支票，向用户提供从银行机器分配的现金。 银行机还允许用户选择具有在机器上显示的取消的检查图像和/或发送到用户的网络地址。
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77.发明申请公开(公告)号：US20110062232A1
公开(公告)日：2011-03-17
申请号：US12948914
申请日：2010-11-18
IPC分类号： G07F19/00
CPC分类号： G07F19/20 , G06Q20/042 , G06Q20/1085 , G06Q40/00 , G06Q40/02 , G07F7/04 , G07F19/201 , G07F19/206 , G07F19/211
摘要： A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including identifying data, and authorizes operation of an automated banking machine responsive to the identifying data. The automated banking machine is operative to generate a check in response to inputs from a user of the banking machine. The banking machine is operative to present the check to a user of the automated banking machine. The banking machine is operative to present an interface or other method for a user to sign the check. The user's banking account is charged an amount corresponding to the value of the check. In exchange for the check being presented at the same banking machine that generated the check, the banking machine provides the user with cash dispensed from the automated banking machine.
摘要翻译： 响应于数据承载记录控制的系统包括读卡器，其可操作以从用户卡读取卡数据，包括识别数据，以及响应于识别数据授权自动银行机的操作。 自动银行机可操作地响应来自银行机的用户的输入而产生支票。 银行机器可操作地向自动银行机的用户呈现支票。 银行业务器可以为用户提供一种接口或其他方法来签署支票。 用户的银行帐户将收取与支票价值相对应的金额。 为了交换在产生支票的同一银行机器上提供的支票，银行机器向用户提供从自动银行机器分配的现金。
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公开(公告)号：US07874479B2
公开(公告)日：2011-01-25
申请号：US12800499
申请日：2010-05-17
CPC分类号： G06Q20/1085 , G06K7/0004 , G06K19/08 , G06Q20/18 , G06Q20/32 , G06Q20/3223 , G06Q20/327 , G06Q20/341 , G07F7/0886 , G07F7/1008 , G07F17/16 , G07F19/20 , G07F19/203 , G07F19/211
摘要： An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. While a user operates the system to dispense cash or perform other banking operations, the system may further permit at least one portable wireless device to wirelessly access the system to conduct transactions.
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79.发明授权Application service provider and automated transaction machine system and method 有权应用服务提供商和自动交易机系统及方法公开(公告)号：US07725393B2
公开(公告)日：2010-05-25
申请号：US10356849
申请日：2003-02-03
CPC分类号： H04L67/34 , G06F3/023 , G06F3/04895 , G06F17/30861 , G06Q20/00 , G06Q20/042 , G06Q20/1085 , G06Q20/18 , G06Q30/06 , G06Q40/00 , G07F19/20 , G07F19/201 , G07F19/206 , G07F19/211 , H04L29/06 , H04L63/12 , H04L67/02 , H04L67/12 , H04L69/329
摘要： A plurality of ATMs of different financial institutions include ATM software that enables them to individually selectively access different ATM applications through network communication with a remote server of an application service provider (ASP). The ATM software also allows the ATMs to carry out transaction responsive to instructions included in ATM application accessed from the ASP server. The ASP server uses a thin client model or remote windowing to execute individual ATM application sessions for each ATM connected to the server. The ATMs run limited capability thin client software to serve as portals to the ATM sessions executing on the ASP servers. The right to access ASP server side ATM applications is provided to the financial institutions in exchange for payment to the ASP. Server software can cause charges to be assessed on a time basis, a per ATM basis, or a per transaction basis.
摘要翻译： 不同金融机构的多个ATM包括ATM软件，其使得它们能够通过与应用服务提供商（ASP）的远程服务器的网络通信来单独选择性地访问不同的ATM应用。 ATM软件还允许ATM响应于从ASP服务器访问的ATM应用中包含的指令进行交易。 ASP服务器使用瘦客户端模型或远程窗口来为连接到服务器的每个ATM执行单独的ATM应用程序会话。 ATM运行有限能力的瘦客户机软件，作为在ASP服务器上执行的ATM会话的门户。 向金融机构提供访问ASP服务器端ATM应用程序的权利，以交换对ASP的支付。 服务器软件可能导致费用在时间基础上，每个ATM基础或每个交易基础上进行评估。
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80.发明授权Application service provider and automated transaction machine system and method 有权应用服务提供商和自动交易机系统及方法公开(公告)号：US07716096B2
公开(公告)日：2010-05-11
申请号：US10357145
申请日：2003-02-03
IPC分类号： G06F17/60
CPC分类号： G06F3/023 , G06F3/04895 , G06F17/30861 , G06Q20/00 , G06Q20/042 , G06Q20/1085 , G06Q20/18 , G06Q30/06 , G06Q40/00 , G07F19/20 , G07F19/201 , G07F19/206 , G07F19/211 , H04L29/06 , H04L63/08 , H04L63/12 , H04L67/02 , H04L67/12 , H04L67/28 , H04L67/2823 , H04L67/34 , H04L69/329
摘要： An application service provider (ASP) and automated transaction machine method and system is provided. The method includes providing a plurality of individually accessible server side ATM applications through at least one ASP server. The method further includes enabling a plurality of ATMs to selectively access each server side ATM application through communication with the at least one ASP server. The method also includes performing services for the ATMs with the at least one ASP server responsive to the plurality of server side ATM applications.
摘要翻译： 提供应用服务提供商（ASP）和自动交易机器方法和系统。 该方法包括通过至少一个ASP服务器提供多个单独可访问的服务器侧ATM应用。 该方法还包括使多个ATM能够通过与至少一个ASP服务器的通信来选择性地访问每个服务器侧ATM应用。 所述方法还包括对所述ATM进行服务，所述至少一个ASP服务器响应于所述多个服务器端ATM应用。
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