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公开(公告)号：US11080669B1
公开(公告)日：2021-08-03
申请号：US16655425
申请日：2019-10-17
申请人： Patricia A. Walker , Ralph E. Jocke
发明人： Patricia A. Walker , Ralph E. Jocke
摘要： A mobile device such as a smart phone enables a user to wirelessly request to receive a delivery of an amount of cash. The request is sent to a remote transaction system which approves the request and provides the mobile device with a transaction identifier. The user operates the mobile device to send the transaction identifier, the amount and a delivery location to a delivery service terminal associated with a delivery service. The delivery service terminal communicates with the remote transaction system to confirm the delivery and/or the mobile device confirms the delivery to the remote transaction system. The remote transaction system operates to charge the financial account for the amount. In some arrangements the mobile device user may choose to have selected items of goods delivered by the delivery service in addition to cash.
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公开(公告)号：US09520034B1
公开(公告)日：2016-12-13
申请号：US14808021
申请日：2015-07-24
申请人： Patricia A. Walker , Ralph E. Jocke
发明人： Patricia A. Walker , Ralph E. Jocke
CPC分类号： G07F19/203 , A61L2/10 , G06Q20/1085 , G06Q20/18 , G06Q40/02 , G07F11/70 , G07F17/0014 , G07F17/26 , G07F19/201
摘要： An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a reading device such as a card reader operative to read data from user cards corresponding to preexisting financial accounts. Data read from the data bearing records is compared to stored data to cause a determination to be made concerning whether the data read corresponds to a financial account on which a transaction is authorized to be conducted through the machine. The machine includes at least one 3D printer that is operable to produce an article corresponding to a configuration selected by the user of the machine. The article is usable to accomplish financial transfers on the user's financial account, such as the purchase of goods or services.
摘要翻译： 自动银行业务机构至少部分地响应于从数据记录中读取的数据来进行财务转移。 自动银行机包括读卡装置，例如读卡器，用于从与预先存在的金融账户对应的用户卡读取数据。 将从数据承载记录读取的数据与存储的数据进行比较，以便确定读取的数据是否对应于通过机器授权进行交易的财务帐户。 该机器包括至少一个3D打印机，其可操作以产生对应于由机器的用户选择的配置的物品。 该文章可用于完成用户财务账户的财务转账，如购买商品或服务。
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公开(公告)号：US11727373B1
公开(公告)日：2023-08-15
申请号：US17380753
申请日：2021-07-20
申请人： Patricia A. Walker , Ralph E. Jocke
发明人： Patricia A. Walker , Ralph E. Jocke
CPC分类号： G06Q20/1085 , G06Q20/18 , G06Q20/322 , G06Q20/3224 , G07F9/001 , G07F19/203 , G07F19/206
摘要： At least one server enables a mobile device user to request delivery of cash or cash and goods at a user location. The at least one server operates to receive a transaction request message that includes data corresponding to a user financial account and an amount of value corresponding to the items to be delivered. Responsive to determining that the amount can be charged to the account, a message is sent to the mobile device. The user may use their mobile device to communicate with a delivery service to request delivery of the items. The at least one server operates to communicate with a terminal of the delivery service and the user mobile device to achieve delivery of the user requested items at a user location.
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公开(公告)号：US11436581B1
公开(公告)日：2022-09-06
申请号：US17081254
申请日：2020-10-27
申请人： Patricia A. Walker , Ralph E. Jocke
发明人： Patricia A. Walker , Ralph E. Jocke
摘要： A mobile wireless device (100) in the configuration of user wearable glasses includes at least one lens including at least one transparent display (110). The at least one display is operable to provide visual outputs that are visually perceivable to the user of the device. The user is enabled to see through the at least one lens, physical surroundings in a direct field of view. The device includes at least one input device (116, 122, 114) which receives user inputs. At least one circuit is in operative connection with the at least one display, the at least one input device, a data store (106) and a wireless transceiver (120). At least one user input is operative to cause the device to communicate at least one wireless message which includes data usable to identify a financial account associated with the user. At least one remote circuit is operative responsive to the at least one wireless message to cause a financial transfer to or from the financial account.
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公开(公告)号：US10825005B1
公开(公告)日：2020-11-03
申请号：US16742348
申请日：2020-01-14
申请人： Patricia A. Walker , Ralph E. Jocke
发明人： Patricia A. Walker , Ralph E. Jocke
摘要： An automated banking machine is operable responsive at least in part to read user data to cause financial transfers. The machine is associated with at least one wireless interface and at least one controller. The controller is operable to cause the wireless interface to receive at least one wireless communication from a nearby user mobile device, which communication indicates a sought transaction function (such as the provision of cash) and a sought transaction parameter associated with the sought transaction function (such as a transaction fee below a threshold). The at least one controller is operative to make a transaction availability determination concerning whether the sought transaction function is available in accordance with the sought transaction parameter. If the sought transaction function with the associated parameter is determined to be available, the at least one controller wirelessly communicates the availability to the mobile device.
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公开(公告)号：US10825004B1
公开(公告)日：2020-11-03
申请号：US16398461
申请日：2019-04-30
申请人： Patricia A. Walker , Ralph E. Jocke
发明人： Patricia A. Walker , Ralph E. Jocke
摘要： An automated banking machine includes at least one reader that is operative to read indicia from data bearing items that is usable to identify financial accounts. The machine further includes at least one input device, a cash dispenser and a controller. The controller is operative to cause a determination that the read indicia corresponds to a user financial account upon which a transaction is authorized to be conducted through the machine. Responsive at least in part to the determination and at least one transaction selection input corresponding to a dispense of at least one virtual item of value, the controller is operative to cause the user to be provided with a virtual item of value having no physical constituents, but that is perceivable visually through at least one display of a wearable device worn by the user, which wearable device enables the user to visually perceive simultaneously physical surroundings in a direct field of view of the user and visual outputs through at least one display of the wearable device. The wearable device is also operative to enable the user to visually and audibly perceive a service representative.
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公开(公告)号：US10289987B1
公开(公告)日：2019-05-14
申请号：US15949532
申请日：2018-04-10
申请人： Patricia A. Walker , Ralph E. Jocke
发明人： Patricia A. Walker , Ralph E. Jocke
摘要： An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. An automated banking machine is operative to dispense physical currency bills as well as virtual currency bills that are perceivable by a user wearing a wearable device. The wearable device is also operative to enable a user to perceive the deposit of virtual currency bills into the physical automated banking machine. A wearable device worn by the user is also operative by the user to obtain virtual currency bills from a virtual automated banking machine. The virtual automated banking machine may also be operative to receive the deposit of virtual currency bills therein. The wearable device may comprise augmented reality glasses that enables the user to visually perceive simultaneously physical surroundings in a direct field of view of the user and visual outputs by at least one display of the device.
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8.发明授权公开(公告)号：US10453041B1
公开(公告)日：2019-10-22
申请号：US15264666
申请日：2016-09-14
申请人： Patricia A. Walker , Ralph E. Jocke
发明人： Patricia A. Walker , Ralph E. Jocke
摘要： A user who desires to receive cash or other value, operates a mobile device to communicate data corresponding to a user account, an amount and a current location to a remote transaction system. In response the mobile device receives a transaction identifier and data corresponding to a plurality of automated banking machine fulfillment points in proximity to the user's current location. The mobile device outputs information on each of the fulfillment points and the user selects the one desired. The mobile device outputs directions to the fulfillment point. The machine at the selected fulfillment point wirelessly receives the transaction identifier and the identifying data, and the mobile device wirelessly receives a fulfillment point identifier corresponding to the machine. The mobile device sends data corresponding to the fulfillment point identifier and current location data to the transaction system and the cash is made available in response to the user's current location corresponding to the location of the machine associated with the fulfillment point identifier.
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公开(公告)号：US11803828B1
公开(公告)日：2023-10-31
申请号：US17888643
申请日：2022-08-16
申请人： Patricia A. Walker , Ralph E. Jocke
发明人： Patricia A. Walker , Ralph E. Jocke
CPC分类号： G06Q20/1085 , G07F19/202 , G07F19/203 , G07F19/206
摘要： A mobile wireless device (100) in the configuration of user wearable glasses includes at least one lens including at least one transparent display (110). The at least one display is operable to provide visual outputs that are visually perceivable to the user of the device. The user is enabled to see through the at least one lens, physical surroundings in a direct field of view. The device includes at least one input device (116, 122, 114) which receives user inputs. At least one circuit is in operative connection with the at least one display, the at least one input device, a data store (106) and a wireless transceiver (120). At least one user input is operative to cause the device to communicate at least one wireless message which includes data usable to identify a financial account associated with the user. At least one remote circuit is operative responsive to the at least one wireless message to cause a financial transfer to or from the financial account.
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公开(公告)号：US11727374B1
公开(公告)日：2023-08-15
申请号：US17867959
申请日：2022-07-19
申请人： Patricia A. Walker , Ralph E. Jocke
发明人： Patricia A. Walker , Ralph E. Jocke
CPC分类号： G06Q20/1085 , G06Q20/18 , G06Q20/322 , G06Q20/3224 , G07F9/001 , G07F19/203 , G07F19/206
摘要： At least one server operates to receive a request for delivery of at least one tangible item including cash, from a mobile device such as a smart phone. The at least one server operates to approve the request and provide the mobile device with data corresponding to a transaction identifier. The user operates the mobile device to send data corresponding to the transaction identifier, an amount associated with the at least one tangible item, and delivery information, to a service terminal associated with the service entity that causes delivery of such tangible items. A terminal operated at the location of delivery of the at least one tangible item communicates to confirm the delivery of the at least one tangible item. The at least one server operates to charge the financial account for the amount associated with the at least one tangible item that is delivered.
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