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    DETERMINING AN AUTOMATED BANKING MACHINE FOR CHECK CASHING
    1.
    发明申请
    DETERMINING AN AUTOMATED BANKING MACHINE FOR CHECK CASHING 有权
    确定自动化检验机

    公开(公告)号：US20140129440A1

    公开(公告)日：2014-05-08

    申请号：US14154271

    申请日：2014-01-14

    申请人： Diebold Self-Service Systems, division of Diebold, Incorporated

    发明人： Mark D. SMITH ,  Ramachandran NATARAJAN ,  James BLOCK ,  Jeffery ENRIGHT

    IPC分类号： G06Q20/10 ,  G06Q20/04

    CPC分类号： G06Q20/3223 ,  G06K9/00442 ,  G06K9/18 ,  G06Q20/042 ,  G06Q20/1085 ,  G06Q20/3221 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q40/00 ,  G07F7/04 ,  G07F19/20 ,  G07F19/201 ,  G07F19/203 ,  G07F19/211

    摘要： A banking system comprises automated banking machines which include a card reader, check imaging device, and cash dispenser. Each system machine can cash a code-correlated check in exchange for receiving both the check and the code assigned to the check, without requiring any user identifying input through the machine's user input devices as a condition for cashing the check. The system allows a potential recipient of a personal check to call in a given code to a system computer, which can verify whether the check is backed by funds reserved for the check amount and whether the check can be anonymously cashed. From the call the system computer can obtain the mobile phone's GPS location to determine the system machine nearest to the phone. When informing the phone user that a check is as good as cash, the system computer can also provide directions to that nearest system machine.

    摘要翻译： 银行系统包括自动银行机器，其包括读卡器，检查成像设备和自动提款机。 每个系统机器可以兑现代码相关检查，以便接收检查和分配给检查的代码，而不需要任何用户通过机器的用户输入设备识别输入作为兑现支票的条件。 该系统允许个人支票的潜在收件人以给定的代码呼叫系统计算机，该系统计算机可以验证支票是否支持用于支票金额的资金以及支票是否可以匿名兑现。 从呼叫系统电脑可以获取手机的GPS位置，以确定最接近手机的系统机器。 当通知电话用户支票与现金一样好时，系统计算机还可以向最近的系统机器提供指示。

    CHECK CASHING AUTOMATED BANKING MACHINE
    2.
    发明申请
    CHECK CASHING AUTOMATED BANKING MACHINE 有权
    检查自动化机器

    公开(公告)号：US20150213421A1

    公开(公告)日：2015-07-30

    申请号：US14684084

    申请日：2015-04-10

    申请人： Diebold Self-Service Systems, Division of Diebold, Incorporated

    发明人： James BLOCK ,  H. Thomas GRAEF ,  Paul D. MAGEE ,  Donald S. NELSON ,  James MEEK ,  Daniel S. McINTYRE ,  Mark DePIETRO ,  Natarajan RAMACHANDRAN

    IPC分类号： G06Q20/10 ,  G06Q20/04

    CPC分类号： G06Q20/1085 ,  G06Q20/042 ,  G06Q20/409 ,  G07F19/20 ,  G07F19/202

    摘要： An automated banking machine is operated at least in part to data read from data bearing records. The machine is operative to carry out a financial transfer responsive at least in part to a determination that data read through a card reader of the machine corresponds to a financial account that is authorized to conduct a transaction through operation of the machine. The machine also includes a check acceptor operative to receive checks from machine users. The check acceptor is operative image checks and data resolved from check images is used in operation of the machine to cause financial transfers.

    摘要翻译： 自动银行机至少部分地由从数据记录读取的数据操作。 该机器至少部分地响应于通过机器的读卡器读取的数据对应于被授权通过机器的操作进行交易的金融帐户的响应来执行财务传递。 该机器还包括一个检查接受器，用于接收来自机器用户的检查。 检查受理人是操作图像检查，并且从检查图像解析的数据用于机器的操作以引起财务转移。

    SELECTIVELY ROUTING A TRANSACTION FROM AN AUTOMATED BANKING MACHINE BASED ON TRANSACTION PROCESSING FEES
    3.
    发明申请
    SELECTIVELY ROUTING A TRANSACTION FROM AN AUTOMATED BANKING MACHINE BASED ON TRANSACTION PROCESSING FEES 审中-公开
    基于交易处理费用的自动化银行交易机制的选择性选择

    公开(公告)号：US20140316983A1

    公开(公告)日：2014-10-23

    申请号：US14258078

    申请日：2014-04-22

    申请人： Diebold Self-Service Systems division of Diebold, Incorporated

    发明人： James BLOCK ,  H. Thomas GRAEF ,  Paul MAGEE ,  Donald S. NELSON, JR. ,  James MEEK ,  Daniel McINTYRE ,  Mark DEPIETRO ,  Natarajan RAMACHANDRAN

    IPC分类号： G06Q40/02

    CPC分类号： G06Q40/02

    摘要： In an example embodiment, a routing computer is operable to communicate with an automated banking machine and with a plurality of remote financial transaction authorization systems. The routing computer is operable to receive data representative of a requested transaction associated with a financial account associated with a user operating the automated banking machine. The routing computer is operable to determine for the plurality of remote financial transaction authorization system a transaction processing fee for the requested transaction. The routing computer is operable to select a selected one of the plurality of remote financial transaction authorization systems for the transaction, wherein the selected one of the plurality of remote financial transaction systems is selected based on having the lowest transaction processing fee for the requested transaction.

    摘要翻译： 在示例实施例中，路由计算机可操作以与自动银行机和多个远程金融交易授权系统通信。 路由计算机可操作以接收表示与操作自动银行机的用户相关联的金融账户相关联的请求交易的数据。 路由计算机可操作以为多个远程金融交易授权系统确定所请求的交易的交易处理费用。 所述路由计算机可操作以选择用于所述交易的所述多个远程金融交易授权系统中的所选择的一个，其中所述多个远程金融交易系统中的所选择的一个基于所请求的交易具有最低的交易处理费用来选择。

    AUTOMATED BANKING MACHINE OPERATED RESPONSIVE TO DATA BEARING RECORDS WITH IMPROVED RESISTANCE TO FRAUD
    6.
    发明申请
    AUTOMATED BANKING MACHINE OPERATED RESPONSIVE TO DATA BEARING RECORDS WITH IMPROVED RESISTANCE TO FRAUD 有权
    自动化银行机器对数据承载记录的响应具有改进的抵抗力

    公开(公告)号：US20140151450A1

    公开(公告)日：2014-06-05

    申请号：US14172454

    申请日：2014-02-04

    申请人： Diebold Self-Service Systems, division of Diebold, Incorporated

    发明人： David N. LEWIS ,  Randall JENKINS ,  James BLOCK ,  Songtao MA ,  Natarajan RAMACHANDRAN ,  Jeffery ENRIGHT ,  James PETTITT

    IPC分类号： G07F19/00

    CPC分类号： G07F19/209 ,  G07F19/2055

    摘要： A banking system machine is controlled responsive to data read from data bearing records. The machine includes a card reader, a keypad, a cash dispenser, a cash outlet, a deposit accepting opening, and other transaction locations that may be susceptible to the installation of fraudulent devices adjacent thereto. Such unauthorized devices may include for example, a fraudulent card reading device, a fraudulent keypad input intercepting device, a cash outlet trap device, a deposit input diversion device, or other illegitimate devices. The machine includes an anti-fraud arrangement that is operative to deter the attachment of unauthorized devices to the machine. The arrangement can sense and/or dislodge an unauthorized device attached to the machine. The arrangement also allows for the machine's card slot bezel to be frequently exchanged for a differently contoured card slot bezel.

    摘要翻译： 响应于从数据记录读取的数据控制银行系统机器。 该机器包括读卡器，小键盘，自动取款机，现金出口，存款接收开口以及可能易于安装与其相邻的欺诈设备的其他交易地点。 这种未经授权的设备可以包括例如欺诈性读卡设备，欺诈键盘输入拦截设备，现金出口陷阱设备，存款输入转移设备或其他非法设备。 该机器包括防欺诈布置，其可操作以阻止将未经授权的设备附接到机器。 该装置可以感测和/或移除附着在机器上的未授权设备。 这种安排还允许机器的卡插槽挡板频繁更换不同形状的卡槽挡板。

    BANKING SYSTEM CONTROLLED RESPONSIVE TO DATA READ FROM DATA BEARING RECORDS
    7.
    发明申请
    BANKING SYSTEM CONTROLLED RESPONSIVE TO DATA READ FROM DATA BEARING RECORDS 审中-公开
    控制数据从数据轴承记录读取的银行系统

    公开(公告)号：US20140081858A1

    公开(公告)日：2014-03-20

    申请号：US14028114

    申请日：2013-09-16

    申请人： Diebold Self-Service Systems division of Diebold, Incorporated

    发明人： James BLOCK ,  H. Thomas GRAEF ,  Paul D. MAGEE ,  Donald S. NELSON, Jr. ,  Dustin CAIRNS

    IPC分类号： G06Q20/10

    CPC分类号： G06Q20/1085 ,  G07F19/207

    摘要： A banking system includes a teller station and customer stations located in a bank. The teller station can communicate with each customer station. At least one customer station includes a self-service cash-dispensing automated banking machine which can carry out a financial transaction for an authorized machine user responsive to user data read from a data bearing record. The user data comprises card data and/or biometric data which correspond to a financial account. The banking system causes funds to be transferred between accounts involved in the transaction. The system allows a bank teller at the teller station to assist a bank customer at a customer station. Information can be communicated between the teller and the customer through touch input to a teller touch screen and a customer touch screen.

    摘要翻译： 一个银行系统包括一个柜台和位于银行的客户站。 柜台可以与每个客户站进行通信。 至少一个客户站包括自助式现金分配自动银行机，其可以响应于从数据承载记录读取的用户数据，为授权的机器用户执行金融交易。 用户数据包括对应于财务账户的卡数据和/或生物特征数据。 银行系统导致资金在交易涉及的账户之间转移。 该系统允许柜员机台的银行出纳员协助客户驻地的银行客户。 通过触摸输入到柜员触摸屏和客户触摸屏，可以在柜员和客户之间传递信息。