公开(公告)号：US07748612B2

公开(公告)日：2010-07-06

申请号：US11409283

申请日：2006-04-21

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

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

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

CPC分类号： G07F19/206 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/1085 ,  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.

摘要翻译： 现金分配自动银行机（10）包括包括开口（20）的用户界面（12）。 机器的用户通过开口将单张纸张和堆叠的纸张递送到机器。 纸张堆叠可能包括纸张，如纸币，支票或其他文件。 输入到机器的堆叠可以包括各种类型的片材的混合物。 机器操作以接收笔记，过程检查和执行其他操作。 在机器中收到的注意事项可以回收并分发给其他用户。 由机器处理的检查可以由成像设备成像，取消并存储在机器中或者交替地返回给用户。

公开(公告)号：US07748611B2

公开(公告)日：2010-07-06

申请号：US11408423

申请日：2006-04-21

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

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

IPC分类号： G07F19/00

CPC分类号： G07F19/206 ,  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：US07631802B1

公开(公告)日：2009-12-15

申请号：US12288563

申请日：2008-10-20

申请人： Tim Crews ,  Keith Carpenter ,  Mike Ryan ,  Laura Drozda ,  Wayne Warren ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Martin J. Brown ,  Dale H. Blackson ,  Todd Galloway ,  Robert W. Barnett ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Edward L. Laskowski ,  H. Thomas Graef

发明人： Tim Crews ,  Keith Carpenter ,  Mike Ryan ,  Laura Drozda ,  Wayne Warren ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Martin J. Brown ,  Dale H. Blackson ,  Todd Galloway ,  Robert W. Barnett ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Edward L. Laskowski ,  H. Thomas Graef

IPC分类号： G07F19/00

CPC分类号： G07F19/202 ,  G07F19/20

摘要： A banking system controlled responsive to data bearing records includes a card reader that reads identifying data from a user card. The banking system authorizes operation of an automated banking machine responsive to computer verification of the identifying data. The banking machine can dispense cash to an authorized machine user in a cash dispensing transaction, and have the user's bank account charged for the cash amount dispensed. The banking machine is also operative to accept checks and acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user from the machine in exchange for the deposited checks.

摘要翻译： 响应于数据承载记录控制的银行系统包括从用户卡读取识别数据的读卡器。 银行系统授权自动银行机的操作，以响应于识别数据的计算机验证。 银行机器可以在现金分发交易中向授权的机器用户分配现金，并且为用户的银行帐户收取分配的现金金额。 银行机器还可以接受支票并从存入的支票中获取图像和磁性数据，以确定支票的真实性和用户接收现金用于此类支票的权限。 可以从机器向用户分配现金，以换取保留的支票。

公开(公告)号：US07469824B1

公开(公告)日：2008-12-30

申请号：US11168027

申请日：2005-06-27

申请人： Tim Crews ,  Keith Carpenter ,  Mike Ryan ,  Laura Drozda ,  Wayne Warren ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Martin J. Brown ,  Dale H. Blackson ,  Todd Galloway ,  Robert W. Barnett ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Edward L. Laskowski ,  H. Thomas Graef

发明人： Tim Crews ,  Keith Carpenter ,  Mike Ryan ,  Laura Drozda ,  Wayne Warren ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Martin J. Brown ,  Dale H. Blackson ,  Todd Galloway ,  Robert W. Barnett ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Edward L. Laskowski ,  H. Thomas Graef

IPC分类号： G06Q40/00

CPC分类号： G06Q20/042 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/108 ,  G06Q20/1085 ,  G07F7/04 ,  G07F19/20 ,  G07F19/203

摘要： An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user from the ATM in exchange for the deposited checks.

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：US07140539B1

公开(公告)日：2006-11-28

申请号：US11168028

申请日：2005-06-27

申请人： Tim Crews ,  Keith Carpenter ,  Mike Ryan ,  Laura Drozda ,  Wayne Warren ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Martin J. Brown ,  Dale H. Blackson ,  Todd Galloway ,  Robert W. Barnett ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Edward L. Laskowski ,  H. Thomas Graef

发明人： Tim Crews ,  Keith Carpenter ,  Mike Ryan ,  Laura Drozda ,  Wayne Warren ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Martin J. Brown ,  Dale H. Blackson ,  Todd Galloway ,  Robert W. Barnett ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Edward L. Laskowski ,  H. Thomas Graef

IPC分类号： G06F17/00 ,  G07F19/00

CPC分类号： G07F19/202 ,  G06Q20/042 ,  G07F19/20

摘要： An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user from the ATM in exchange for the deposited checks.

公开(公告)号：US07137551B1

公开(公告)日：2006-11-21

申请号：US11168077

申请日：2005-06-27

申请人： Tim Crews ,  Keith Carpenter ,  Mike Ryan ,  Laura Drozda ,  Wayne Warren ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Martin J. Brown ,  Dale H. Blackson ,  Todd Galloway ,  Robert W. Barnett ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Edward L. Laskowski ,  H. Thomas Graef

发明人： Tim Crews ,  Keith Carpenter ,  Mike Ryan ,  Laura Drozda ,  Wayne Warren ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Martin J. Brown ,  Dale H. Blackson ,  Todd Galloway ,  Robert W. Barnett ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Edward L. Laskowski ,  H. Thomas Graef

IPC分类号： G07F19/00

CPC分类号： G07F19/202 ,  G06Q20/042 ,  G06Q20/40 ,  G07F19/20 ,  G07F19/203

摘要： An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user from the ATM in exchange for the deposited checks.

摘要翻译： 自动银行机系统和方法包括接收对用户的支票和现金的ATM。 操作ATM以从存放的检查中获得图像和磁性数据，以确定检查的真实性和用户接收用于这种检查的现金的权限。 现金可以从ATM分配给用户，以换取已存的支票。

公开(公告)号：US08616442B1

公开(公告)日：2013-12-31

申请号：US13317612

申请日：2011-10-24

申请人： Keith Carpenter ,  Martin J. Brown ,  Jonathan Soudry ,  James Meek ,  Todd Galloway ,  Robert W. Barnett ,  Mike R. Ryan ,  David A. Peters ,  Rafael Feijo

发明人： Keith Carpenter ,  Martin J. Brown ,  Jonathan Soudry ,  James Meek ,  Todd Galloway ,  Robert W. Barnett ,  Mike R. Ryan ,  David A. Peters ,  Rafael Feijo

IPC分类号： G07F19/00

摘要： An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. A card actuated automated banking machine may accept checks and dispense cash to users. The banking machine is operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be credited to a user account corresponding to card data or may be dispensed to the user from the banking machine responsive to one or more deposited checks.

公开(公告)号：US08613388B2

公开(公告)日：2013-12-24

申请号：US13428007

申请日：2012-03-23

申请人： Thomas A. VanKirk ,  Jon E. Washington ,  Brian Jones ,  William D. Beskitt ,  Harry Thomas Graef ,  David A. Peters ,  Damon J. Blackford ,  Dale H. Blackson ,  Edward L. Laskowski ,  Songtao Ma ,  Tim Crews ,  Wayne Warren ,  Martin J. Brown ,  Todd Galloway ,  Kenneth Turocy ,  Douglas T. Dominick ,  Jasen J. Smolk ,  Brian E. Lucas ,  Bradley Lightner ,  James Meek ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Keith Carpenter ,  Laura Drozda

发明人： Thomas A. VanKirk ,  Jon E. Washington ,  Brian Jones ,  William D. Beskitt ,  Harry Thomas Graef ,  David A. Peters ,  Damon J. Blackford ,  Dale H. Blackson ,  Edward L. Laskowski ,  Songtao Ma ,  Tim Crews ,  Wayne Warren ,  Martin J. Brown ,  Todd Galloway ,  Kenneth Turocy ,  Douglas T. Dominick ,  Jasen J. Smolk ,  Brian E. Lucas ,  Bradley Lightner ,  James Meek ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Keith Carpenter ,  Laura Drozda

IPC分类号： G07F19/00

CPC分类号： G06Q20/042 ,  G06Q20/1085 ,  G07D11/0084 ,  G07F19/20

摘要： An automated banking machine operates responsive to data read from user cards to accept checks and dispense cash to authorized machine users. The machine can compare image data and magnetic data obtained from a check to determine the genuineness of the check. The machine can also determine whether a machine user is authorized to exchange a check for cash. A cash dispenser can be operated to dispense cash to a machine user in exchange for a deposited check. The machine dispenses the cash responsive to communications with a transaction host.

摘要翻译： 一种自动银行业务器响应于从用户卡读取的数据来接受对被授权的机器用户的支票和现金的操作。 该机器可以比较从支票获取的图像数据和磁数据，以确定支票的真实性。 机器还可以确定机器用户是否有权交换支票以支付现金。 可以使用自动取款机将现金分配给机器用户以换取存放支票。 该机器响应于与交易主机的通信而分配现金。

公开(公告)号：US20100176190A1

公开(公告)日：2010-07-15

申请号：US12661276

申请日：2010-03-12

申请人： Thomas A. VanKirk ,  Jon E. Washington ,  Brian Jones ,  William D. Beskitt ,  Harry Thomas Graef ,  David A. Peters ,  Damon J. Blackford ,  Dale H. Blackson ,  Edward L. Laskowski ,  Songtao Ma ,  Tim Crews ,  Wayne Warren ,  Martin J. Brown ,  Todd Galloway ,  Kenneth Turocy ,  Douglas T. Dominik ,  Jason J. Smolk ,  Brian E. Lucas ,  Bradley Lightner ,  James Meek ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Keith Carpenter ,  Laura Drozda

发明人： Thomas A. VanKirk ,  Jon E. Washington ,  Brian Jones ,  William D. Beskitt ,  Harry Thomas Graef ,  David A. Peters ,  Damon J. Blackford ,  Dale H. Blackson ,  Edward L. Laskowski ,  Songtao Ma ,  Tim Crews ,  Wayne Warren ,  Martin J. Brown ,  Todd Galloway ,  Kenneth Turocy ,  Douglas T. Dominik ,  Jason J. Smolk ,  Brian E. Lucas ,  Bradley Lightner ,  James Meek ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Keith Carpenter ,  Laura Drozda

IPC分类号： G07F19/00 ,  G06K5/00

CPC分类号： G07D11/0084 ,  G06Q20/042 ,  G06Q20/1085 ,  G07F19/20

摘要： An automated banking machine that operates responsive to data read from user cards which accepts checks and dispenses cash to users. The machine operates to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user in exchange for the deposited check. The machine dispenses cash responsive to communications with a transaction host.

摘要翻译： 一种自动银行机器，其响应于从用户卡读取的数据进行操作，该数据接收检查并向用户分配现金。 该机器用于从存放的检查中获取图像和磁性数据，以确定检查的真实性以及用户接受这种检查的现金的权限。 可以将现金分配给用户以换取已存的支票。 该机器响应于与交易主机的通信而分配现金。