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：US08047429B1

公开(公告)日：2011-11-01

申请号：US12658864

申请日：2010-02-16

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

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

IPC分类号： G07F19/00

CPC分类号： G06Q20/042 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q40/00 ,  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 is dispensed to the user from the ATM in exchange for the deposited check.

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。 现金从ATM中分配给用户，以换取押金支票。

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。

公开(公告)号：US07314163B1

公开(公告)日：2008-01-01

申请号：US11787406

申请日：2007-04-16

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： G06F19/00

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

摘要： An automated banking machine system includes ATMs that can accept checks. Cash may be dispensed from an ATM to the user in exchange for a check. Cancellation indicia can be marked on the check by the ATM. The ATM can acquire image data and magnetic data from a received check to determine the genuineness of the check and the authority of the user to cash the check. A check imaging device of the ATM can generate a digital image of a received check. The check image data can be stored in correlated relation with the related transaction data. The ATM can also modify the check image data to produce a modified check image that excludes sensitive check information, such as the user's account number in the micr line. The ATM can then print this modified check image on the user's transaction receipt.

摘要翻译： 自动银行机系统包括可以接受支票的ATM。 可以从ATM向用户分配现金以换取支票。 取消指示可以在ATM的支票上标明。 ATM可以从接收到的支票获取图像数据和磁数据，以确定支票的真实性和用户现金支票的权限。 ATM的检查成像装置可以生成接收到的支票的数字图像。 检查图像数据可以与相关的交易数据相关联地存储。 ATM还可以修改检查图像数据以产生修改的检查图像，其排除敏感检查信息，例如微行中的用户帐号。 然后ATM可以在用户的​​交易收据上打印该修改的检查图像。

公开(公告)号：US10910169B1

公开(公告)日：2021-02-02

申请号：US16879355

申请日：2020-05-20

申请人： Mark A. Ward

发明人： Mark A. Ward

IPC分类号： H02H3/00 ,  H01H9/16 ,  H01H33/28 ,  H01H33/02 ,  H01H9/54

摘要： A method is disclosed. The method includes attaching a light beam emitter to an electrical control assembly having at least one control member that is electrically connected to an electrical component, emitting a light beam from the light beam emitter across the at least one control member, moving the at least one control member between a first position in which the light beam is unblocked by the at least one control member and a second position in which the light beam is blocked by the at least one control member, and connecting the light beam emitter to a notification device via an electrical circuit. The method also includes preventing electrical current flow to the notification device when the at least one control member is in the first position.

公开(公告)号：US08286867B1

公开(公告)日：2012-10-16

申请号：US13334124

申请日：2011-12-22

申请人： Martin J Brown ,  Todd Galloway ,  Robert W Barnett ,  Mike R. Ryan ,  James R Kay ,  Mark A Ward ,  David A Peters ,  Songtao Ma ,  Sangeeta Huria ,  Eric Klein ,  Tim Crews

发明人： Martin J Brown ,  Todd Galloway ,  Robert W Barnett ,  Mike R. Ryan ,  James R Kay ,  Mark A Ward ,  David A Peters ,  Songtao Ma ,  Sangeeta Huria ,  Eric Klein ,  Tim Crews

IPC分类号： G06K7/00

CPC分类号： G07D7/04 ,  G06Q20/042 ,  G06Q40/02 ,  G07D7/12 ,  G07D7/206 ,  G07D11/0087 ,  G07F19/20 ,  G07F19/202 ,  G07F19/205

摘要： An automated banking machine operates to carry out financial transfers responsive to data read form data bearing records. The machine includes a card reader that operates to read data from user cards. The card data corresponds to financial accounts. The automated banking machine further includes a cash dispenser and a receipt printer. The machine is operative to dispense cash to an authorized user based on identifying data including read card data, and to cause a financial transfer from an account corresponding to read card data through communication with at least one remote computer. The machine includes a check acceptor that operates to determine magnetic symbols included on checks. Cash may be dispensed in exchange for a check received through operation of the check acceptor of the machine.

摘要翻译： 一个自动银行机器可以根据数据读取形式的数据记录进行财务转移。 该机器包括读卡器，用于从用户卡读取数据。 卡数据对应于财务账户。 自动银行机还包括自动提款机和收据打印机。 该机器可操作地基于识别包括读卡数据的数据向授权用户分配现金，并且通过与至少一个远程计算机的通信，从对应于读卡数据的账户进行财务转账。 该机器包括检验受体，用于确定检查中包括的磁性符号。 可以通过操作机器的支票接受者来收到支票来兑换现金。

公开(公告)号：US08141774B2

公开(公告)日：2012-03-27

申请号：US13066074

申请日：2011-04-05

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 ,  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. Dominick ,  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

CPC分类号： G07D11/0084 ,  G06Q20/042 ,  G06Q20/1085 ,  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：US07931193B2

公开(公告)日：2011-04-26

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. Dominick ,  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. Dominick ,  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

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。

公开(公告)号：US07840485B1

公开(公告)日：2010-11-23

申请号：US11039721

申请日：2005-01-19

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

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

IPC分类号： G06Q40/00

CPC分类号： G07F19/201 ,  G06Q20/042 ,  G06Q20/1085 ,  G07F19/20 ,  G07F19/202

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 is then dispensed to the user from the ATM in exchange for the deposited check. The ATMs dispense cash responsive to communications with a transaction host. The transaction host provides transaction identifying data to the ATM. The ATM sends the transaction identifying data and check images to an image and transaction data server for processing.

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。 然后将现金从ATM分配给用户，以换取存入支票。 自动取款机响应于与交易主机的通信分配现金。 交易主机向ATM提供交易识别数据。 ATM将事务识别数据和检查图像发送到图像和事务数据服务器进行处理。

公开(公告)号：US07819309B1

公开(公告)日：2010-10-26

申请号：US12082227

申请日：2008-04-09

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

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

IPC分类号： G06Q40/00

CPC分类号： G06Q20/042 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q40/00 ,  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 is dispensed to the user from the ATM in exchange for the deposited check.

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。 现金从ATM中分配给用户，以换取押金支票。