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    Automated banking system for dispensing money orders, wire transfer and bill payment
    2.
    发明申请
    Automated banking system for dispensing money orders, wire transfer and bill payment 审中-公开
    自动银行系统用于分配汇票，电汇和账单支付

    公开(公告)号：US20050091161A1

    公开(公告)日：2005-04-28

    申请号：US10699978

    申请日：2003-11-03

    申请人： Robin Gustin ,  Troy Livingston ,  Namsoo Park

    发明人： Robin Gustin ,  Troy Livingston ,  Namsoo Park

    IPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q20/14 ,  G06Q20/18 ,  G06Q20/34 ,  G06Q20/40 ,  G06Q30/06 ,  G07F7/04 ,  G07F7/10 ,  G07F19/00 ,  G06F17/60

    CPC分类号： G07F19/203 ,  G06Q20/04 ,  G06Q20/045 ,  G06Q20/10 ,  G06Q20/1085 ,  G06Q20/14 ,  G06Q20/18 ,  G06Q20/341 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q30/06 ,  G07F7/04 ,  G07F7/1008 ,  G07F19/20 ,  G07F19/202 ,  G07F19/209 ,  G07F19/21

    摘要： A method and apparatus are provided for conducting transactions through a financial network using a document such as a check or money order at an unattended automated machine. For security purposes a signature detector detects the signature and the user uses a card to operate the machine. A reader reads the amount on the document; and, for a check, the LAR and CAR amounts are compared. If the document is a money order, the user may be prompted to endorse the money order if the signature detector fails to detect a signature. A card writer writes an amount on the card related to the amount of the transaction being done and a calculator calculates the amount to be written on the card and subtracts a user's service charge. A bill may be paid and a receipt generator will provide a receipt preferably showing payment of the bill and the service charge. If the check or money order is for an amount greater than the bill and service charge amounts, the card writer may write the difference on the card. A portion of the check or money order may also be deposited in the user's account. A cash acceptor in the machine accepts cash and a cash dispenser may dispense cash.

    摘要翻译： 提供了一种用于通过金融网络在无人值守的自动机器上使用诸如支票或汇票的文档进行交易的方法和装置。 为了安全起见，签名检测器检测签名，并且用户使用卡来操作机器。 读者阅读文件上的金额; 对于支票，LAR和CAR金额进行比较。 如果文件是汇票，则如果签名检测器检测不到签名，则可以提示用户批准汇票。 卡片写入者在与所完成的交易量相关的卡片上写入金额，并且计算器计算要写在卡片上的金额并减去用户的服务费用。 可以支付账单，并且收据发生器将提供收据，优选地显示账单的支付和服务费用。 如果支票或汇票的金额大于帐单和服务费用金额，则卡片写入者可以在卡上写入差价。 支票或汇票的一部分也可能存入用户账户。 机器中的现金接受者接受现金，自动柜员机可以分配现金。

    Automated banking system for making change on a card or user account
    3.
    发明授权
    Automated banking system for making change on a card or user account 失效
    自动银行系统，用于更改卡或用户帐户

    公开(公告)号：US5987439A

    公开(公告)日：1999-11-16

    申请号：US865691

    申请日：1997-05-30

    申请人： Robin Haley Gustin ,  Troy W. Livingston ,  Namsoo Park

    发明人： Robin Haley Gustin ,  Troy W. Livingston ,  Namsoo Park

    IPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q20/14 ,  G06Q20/18 ,  G06Q20/34 ,  G06Q20/40 ,  G06Q30/06 ,  G07F7/04 ,  G07F7/10 ,  G07F19/00 ,  G06F17/60

    CPC分类号： G07F7/1008 ,  G06Q20/04 ,  G06Q20/042 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/14 ,  G06Q20/18 ,  G06Q20/341 ,  G06Q20/4014 ,  G06Q30/06 ,  G07F19/20 ,  G07F7/04

    摘要： An unattended banking machine such as an ATM machine has a payment acceptor for accepting payment from the machine user and for determining the amount of payment from the user. A calculator determines the transactional difference between the amount of the transaction and the payment by the user. In ATM machines service fees may be charged to the ATM user for issuing a money order or for a wire transfer that are not in even multiples of the smallest denomination of the currency being dispensed by the ATM machine. The preferred cash dispenser has only bills of different denominations and no coins. To pay the transactional difference without the use of very small denomination currency and/or coins the transactional difference is divided into a cash payment portion which is dispensed in bills from the machine's cash dispenser. The remainder of the transactional payment is paid electronically to the ATM user either on a card, such as a smart card, or into the user's ATM account as an electronic remainder payment portion. The ATM machine includes a card reader and card writer to add the electronic payment portion to the balance on the card. The ATM machine may perform a number of other transactions such as cashing a check, paying a bill, and purchasing an item.

    摘要翻译： 无人值守的银行机器如ATM机具有用于接收来自机器用户的支付和用于确定来自用户的支付金额的支付接受者。 计算器确定交易金额与用户支付之间的交易差额。 在ATM机中，可以向ATM用户收取服务费用，用于发行不是由ATM机分配的货币的最小面额的偶数倍的汇款单或电汇。 首选的自动提款机只有不同面值的钞票，没有硬币。 为了支付交易差异而不使用非常小的面额货币和/或硬币，交易差异被划分为从机器的自动提款机分配到纸币中的现金支付部分。 剩余的交易支付以电子方式支付给ATM用户，例如智能卡等卡，或以电子剩余支付部分的形式存入用户的ATM账户。 ATM机包括读卡器和卡写入器，用于将电子支付部分添加到卡上的余额。 ATM机可以执行许多其他交易，例如兑现支票，支付账单和购买物品。

    AUTOMATED DOCUMENT CASHING SYSTEM
    4.
    发明申请
    AUTOMATED DOCUMENT CASHING SYSTEM 审中-公开

    公开(公告)号：US20100114772A1

    公开(公告)日：2010-05-06

    申请号：US12687122

    申请日：2010-01-13

    申请人： Robin Haley Gustin ,  Troy W. Livingston ,  Namsoo Park ,  Nabil Shekoory

    发明人： Robin Haley Gustin ,  Troy W. Livingston ,  Namsoo Park ,  Nabil Shekoory

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/042 ,  G06F3/048 ,  G06K9/00442 ,  G06K9/4604 ,  G06K9/6202 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/1085

    摘要： Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies the user. Validation of the document involves one or more of: validating the presence of a signature; validating the amount of the monetary transaction document including a manual entry of the amount by the user; validating CAR against the LAR; and validating the banking system parameters and rules for the customer and/or the transaction. To assist in the automatic analysis of data on monetary transactional documents or on remittance documents, the user is prompted to provide a bounding box about the data. An image touch screen may be touched by the user to locate the bounding box and the user may magnify the data to fill the boundary box to exclude other data from analysis. After document and person validation, the system will dispense money or transfer monies to a savings account, a checking account, a smart card, or the like. The system will also write money orders or wire transfer money.

    AUTOMATED DOCUMENT CASHING SYSTEM
    5.
    发明申请
    AUTOMATED DOCUMENT CASHING SYSTEM 有权

    公开(公告)号：US20100114766A1

    公开(公告)日：2010-05-06

    申请号：US12687116

    申请日：2010-01-13

    申请人： Robin Haley Gustin ,  Troy W. Livingston ,  Namsoo Park ,  Nabil Shekoory

    发明人： Robin Haley Gustin ,  Troy W. Livingston ,  Namsoo Park ,  Nabil Shekoory

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/042 ,  G06F3/048 ,  G06K9/00442 ,  G06K9/4604 ,  G06K9/6202 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/1085

    摘要： Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies the user. Validation of the document involves one or more of: validating the presence of a signature; validating the amount of the monetary transaction document including a manual entry of the amount by the user; validating CAR against the LAR; and validating the banking system parameters and rules for the customer and/or the transaction. To assist in the automatic analysis of data on monetary transactional documents or on remittance documents, the user is prompted to provide a bounding box about the data. An image touch screen may be touched by the user to locate the bounding box and the user may magnify the data to fill the boundary box to exclude other data from analysis. After document and person validation, the system will dispense money or transfer monies to a savings account, a checking account, a smart card, or the like. The system will also write money orders or wire transfer money.

    AUTOMATED DOCUMENT CASHING SYSTEM
    6.
    发明申请
    AUTOMATED DOCUMENT CASHING SYSTEM 有权
    自动文件挂起系统

    公开(公告)号：US20100102119A1

    公开(公告)日：2010-04-29

    申请号：US12651425

    申请日：2009-12-31

    申请人： Robin Haley GUSTIN ,  Troy W. Livingston ,  Namsoo Park ,  Nabil Shekoory

    发明人： Robin Haley GUSTIN ,  Troy W. Livingston ,  Namsoo Park ,  Nabil Shekoory

    IPC分类号： G06Q40/00 ,  G06K5/00

    CPC分类号： G06Q20/042 ,  G06F3/048 ,  G06K9/00442 ,  G06K9/4604 ,  G06K9/6202 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/1085

    摘要： Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies the user. Validation of the document involves one or more of: validating the presence of a signature; validating the amount of the monetary transaction document including a manual entry of the amount by the user; validating CAR against the LAR; and validating the banking system parameters and rules for the customer and/or the transaction. To assist in the automatic analysis of data on monetary transactional documents or on remittance documents, the user is prompted to provide a bounding box about the data. An image touch screen may be touched by the user to locate the bounding box and the user may magnify the data to fill the boundary box to exclude other data from analysis. After document and person validation, the system will dispense money or transfer monies to a savings account, a checking account, a smart card, or the like. The system will also write money orders or wire transfer money.

    摘要翻译： 通过使用与识别用户的智能相关联的卡来执行用户身份的验证。 文件的验证涉及一个或多个：验证签名的存在; 验证货币交易文件的数量，包括用户手动输入金额; 验证针对LAR的CAR; 并验证客户和/或交易的银行系统参数和规则。 为了帮助自动分析货币交易文件或汇款凭证的数据，提示用户提供有关数据的边界框。 用户可以触摸图像触摸屏以定位边界框，并且用户可以放大数据以填充边界框以从分析中排除其他数据。 在文件和人员验证之后，系统将向存款帐户，支票账户，智能卡等分配资金或转帐。 系统还将汇款或电汇。

    AUTOMATED BANKING SYSTEM FOR DISPENSING MONEY ORDERS, WIRE TRANSFER AND BILL PAYMENT
    7.
    发明申请
    AUTOMATED BANKING SYSTEM FOR DISPENSING MONEY ORDERS, WIRE TRANSFER AND BILL PAYMENT 审中-公开
    用于分配货币单位的自动化银行系统，电汇和付款

    公开(公告)号：US20090266879A1

    公开(公告)日：2009-10-29

    申请号：US12498359

    申请日：2009-07-06

    申请人： Robin Haley GUSTIN ,  Troy W. Livingston ,  Namsoo Park

    发明人： Robin Haley GUSTIN ,  Troy W. Livingston ,  Namsoo Park

    IPC分类号： G06Q40/00

    CPC分类号： G07F19/203 ,  G06Q20/04 ,  G06Q20/045 ,  G06Q20/10 ,  G06Q20/1085 ,  G06Q20/14 ,  G06Q20/18 ,  G06Q20/341 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q30/06 ,  G07F7/04 ,  G07F7/1008 ,  G07F19/20 ,  G07F19/202 ,  G07F19/209 ,  G07F19/21

    摘要： A method and apparatus are provided for conducting transactions through a financial network using a document such as a check or money order at an unattended automated machine. For security purposes a signature detector detects the signature and the user uses a card to operate the machine. A reader reads the amount on the document; and, for a check, the LAR and CAR amounts are compared. If the document is a money order, the user may be prompted to endorse the money order if the signature detector fails to detect a signature. A card writer writes an amount on the card related to the amount of the transaction being done and a calculator calculates the amount to be written on the card and subtracts a user's service charge. A bill may be paid and a receipt generator will provide a receipt preferably showing payment of the bill and the service charge. If the check or money order is for an amount greater than the bill and service charge amounts, the card writer may write the difference on the card. A portion of the check or money order may also be deposited in the user's account. A cash acceptor in the machine accepts cash and a cash dispenser may dispense cash.

    摘要翻译： 提供了一种用于通过金融网络在无人值守的自动机器上使用诸如支票或汇票的文档进行交易的方法和装置。 为了安全起见，签名检测器检测签名，并且用户使用卡来操作机器。 读者阅读文件上的金额; 对于支票，LAR和CAR金额进行比较。 如果文件是汇票，则如果签名检测器检测不到签名，则可以提示用户批准汇票。 卡片写入者在与所完成的交易量相关的卡片上写入金额，并且计算器计算要写在卡片上的金额并减去用户的服务费用。 可以支付账单，并且收据发生器将提供收据，优选地显示账单的支付和服务费用。 如果支票或汇票的金额大于帐单和服务费用金额，则卡片写入者可以在卡上写入差价。 支票或汇票的一部分也可能存入用户账户。 机器中的现金接受者接受现金，自动柜员机可以分配现金。

    Automated document cashing system
    9.
    发明授权
    Automated document cashing system 有权
    自动文件兑换系统

    公开(公告)号：US07653600B2

    公开(公告)日：2010-01-26

    申请号：US10889453

    申请日：2004-07-12

    申请人： Robin Haley Gustin ,  Troy W. Livingston ,  Namsoo Park ,  Nabil Shekoory

    发明人： Robin Haley Gustin ,  Troy W. Livingston ,  Namsoo Park ,  Nabil Shekoory

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/042 ,  G06F3/048 ,  G06K9/00442 ,  G06K9/4604 ,  G06K9/6202 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/1085

    摘要： An automated document cashing system is provided with an automated machine that cashes monetary transaction documents such as checks, money orders, and that makes deposit entries into the bank account of the user after validation of the user and monetary transaction document, without the aid of a bank teller. Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies the user. A biometric device also may be used in identifying the validity of the user. Validation of the document involves one or more of: validating the presence of a signature; validating the amount of the monetary transaction document including a manual entry of the amount by the user; validating CAR against the LAR; and validating the banking system parameters and rules for the customer and/or the transaction. To assist in the automatic analysis of data on monetary transactional documents or on remittance documents, the user is prompted to provide a bounding box about the data. An image touch screen may be touched by the user to locate the bounding box and the user may magnify the data to fill the boundary box to exclude other data from this analysis. After document and person validation, the system will dispense money or transfer monies to a savings account, a checking account, a smart card, or the like. The system will also write money orders or wire transfer money. By supplying monies in the form of cash, credit card authorization, smart card balance, or the like to the machine, the user can pay bills such as a utility bill through the system or purchase items dispensed by the system.

    摘要翻译： 自动化文件兑现系统提供有自动化机器，其可以在确认用户和货币交易凭证之后，将货币交易文件（例如支票，汇票）和存入条目存入用户的银行账户，而无需借助于 银行柜员。 通过使用与识别用户的智能相关联的卡来执行用户身份的验证。 也可以使用生物识别装置来识别用户的有效性。 文件的验证涉及一个或多个：验证签名的存在; 验证货币交易文件的数量，包括用户手动输入金额; 验证针对LAR的CAR; 并验证客户和/或交易的银行系统参数和规则。 为了帮助自动分析货币交易文件或汇款凭证的数据，提示用户提供有关数据的边界框。 用户可以触摸图像触摸屏以定位边界框，并且用户可以放大数据以填充边界框以从该分析中排除其他数据。 在文件和人员验证之后，系统将向存款帐户，支票账户，智能卡等分配资金或转帐。 系统还将汇款或电汇。 通过以现金，信用卡授权，智能卡余额等形式向机器提供货币，用户可以通过系统或系统分配的购买物品支付诸如公用事业单的票据。

    Automated document cashing machine and method
    10.
    发明授权
    Automated document cashing machine and method 有权
    自动文件兑换机及方法

    公开(公告)号：US07991696B2

    公开(公告)日：2011-08-02

    申请号：US12687116

    申请日：2010-01-13

    申请人： Robin Haley Gustin ,  Troy W. Livingston ,  Namsoo Park ,  Nabil Shekoory

    发明人： Robin Haley Gustin ,  Troy W. Livingston ,  Namsoo Park ,  Nabil Shekoory

    IPC分类号： G06Q40/00 ,  G07F19/00

    CPC分类号： G06Q20/042 ,  G06F3/048 ,  G06K9/00442 ,  G06K9/4604 ,  G06K9/6202 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/1085

    摘要： Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies the user. Validation of the document involves one or more of: validating the presence of a signature; validating the amount of the monetary transaction document including a manual entry of the amount by the user; validating CAR against the LAR; and validating the banking system parameters and rules for the customer and/or the transaction. To assist in the automatic analysis of data on monetary transactional documents or on remittance documents, the user is prompted to provide a bounding box about the data. An image touch screen may be touched by the user to locate the bounding box and the user may magnify the data to fill the boundary box to exclude other data from analysis. After document and person validation, the system will dispense money or transfer monies to a savings account, a checking account, a smart card, or the like. The system will also write money orders or wire transfer money.

    摘要翻译： 通过使用与识别用户的智能相关联的卡来执行用户身份的验证。 文件的验证涉及一个或多个：验证签名的存在; 验证货币交易文件的数量，包括用户手动输入金额; 验证针对LAR的CAR; 并验证客户和/或交易的银行系统参数和规则。 为了帮助自动分析货币交易文件或汇款凭证的数据，提示用户提供有关数据的边界框。 用户可以触摸图像触摸屏以定位边界框，并且用户可以放大数据以填充边界框以从分析中排除其他数据。 在文件和人员验证之后，系统将向存款帐户，支票账户，智能卡等分配资金或转帐。 系统还将汇款或电汇。