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公开(公告)号：US09830581B2
公开(公告)日：2017-11-28
申请号：US15366290
申请日：2016-12-01
发明人： James Block , H. Thomas Graef , Paul D. Magee , Donald S. Nelson, Jr. , James Meek , Daniel S. McIntyre , Mark A. Depietro , Natarajan Ramachandran
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.
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2.发明授权公开(公告)号：US09640040B2
公开(公告)日：2017-05-02
申请号：US13963529
申请日：2013-08-09
发明人： Sathish M. Irudayam , Nicholas Schott , Willis Miller , Matthew R. Zaugg , James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffrey M. Enright , Mark A. Douglass
CPC分类号： G07F19/202 , G06Q20/042 , G06Q20/1085 , G06Q20/32 , G06Q20/3223 , G06Q20/40 , G06Q20/401 , G06Q20/4016 , G06Q20/425 , G07F19/00
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 card reader that is operative to read card data corresponding to financial accounts from user cards. The card data is linked in at least one data store to data indicating that the card data corresponds to a financial account that is authorized to be used to conduct at least one transaction through use of the automated banking machine. The automated banking machine may be used to carry out financial transfers involving financial accounts by users who are determined to be authorized users of such accounts. Data corresponding to a financial account can also be linked to a mobile wireless device so as to enable financial transfers by authorized users of such accounts.
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公开(公告)号：US09858556B2
公开(公告)日：2018-01-02
申请号：US14287823
申请日：2014-05-27
发明人： Willis Miller , Matthew R. Zaugg , James Block , H. Thomas Graef , Natarajan Ramachandran , Jeffery M. Enright , Mark A. Douglass , Dale H. Blackson
CPC分类号： G06Q20/1085 , G06Q20/382 , G06Q20/40 , G06Q40/02 , G07F19/20
摘要： A banking system operates to cause financial transfers responsive to card data read from data bearing records by a card reader. The system includes at least one automated banking machine comprising a cash dispenser. The system is operative during a cash dispense transaction request to receive through an automated banking machine, machine user input of data corresponding to a mobile phone number. The system is operative to generate a security code for the requested cash dispense transaction. The system uses the phone number to send the generated security code to the mobile phone. The cash dispense transaction is allowed to proceed only if the system receives machine user input of the sent security code.
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公开(公告)号：US09697699B2
公开(公告)日：2017-07-04
申请号：US15000736
申请日：2016-01-19
发明人： H. Thomas Graef , William Beskitt
CPC分类号： G07F19/202 , G06Q20/1085 , G07F19/205
摘要： An automated banking machine that includes a check acceptor that is operative to receive checks from authorized machine users. The check acceptor is operable to continuously move a received check along its transport path while simultaneously rotationally orienting the check into alignment with the transport path. A check determined not to have at least one property of an acceptable check is returned to the machine user. Acceptable checks are processed and stored in the machine.
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公开(公告)号：US09607483B2
公开(公告)日：2017-03-28
申请号：US15169007
申请日：2016-05-31
发明人： James Block , H. Thomas Graef , Paul D. Magee , Donald S. Nelson , James Meek , Daniel S. McIntyre , Mark DePietro , Natarajan Ramachandran
CPC分类号： G07F19/201 , G06Q20/1085 , G06Q20/3221 , G06Q20/3223 , G07F19/203 , G07F19/2055 , G07F19/207
摘要： In an example embodiment, an automated banking machine operable to perform cash withdrawals. If a withdrawal is below a threshold, authorization is obtained from a first transaction authorization computer. If a withdrawal is greater than or equal to the threshold, a first portion of the cash is dispensed responsive to authorization from a first transaction authorization computer and a second portion of the cash amount is dispensed responsive to authorization from a second transaction authorization computer.
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公开(公告)号：US09542815B2
公开(公告)日：2017-01-10
申请号：US14658872
申请日：2015-03-16
发明人： Kenneth Turocy , William D. Beskitt , Mike P. Ryan , Eric Klein , Dave A. Peters , H. Thomas Graef , Bryan Simmons , Marko Savcic
IPC分类号： G07F19/00 , G06Q20/04 , G07F7/08 , G06K19/073 , G06K19/077 , G07D11/00
CPC分类号： G07F19/203 , G06K19/073 , G06K19/07779 , G06Q20/042 , G07D11/0036 , G07F7/0873 , G07F19/202 , G07F19/209
摘要： A banking system is controlled responsive, at least in part, to data read from data bearing records. The banking system includes an automated banking machine. The machine is operable to carry out a financial transaction responsive to a determination that data read from a data bearing record, such as a card that is read by a card reader in the machine, corresponds to stored information for an authorized user or financial account. The machine is operable to receive and dispense documents. The machine includes a check acceptor that is operative to receive checks and a cash dispenser that is operative to dispense cash. Document holding cassettes in the machine include circuitry that is wirelessly powered through inductive coupling. The machine can wirelessly read data from a cassette through use of induction.
摘要翻译： 银行系统至少部分受控于从数据记录中读取的数据的响应。 银行系统包括自动银行机。 该机器可操作以响应于从数据承载记录（例如由机器中的读卡器读取的卡片）读取的数据对应于用于授权用户或财务帐户的存储信息的确定来执行金融交易。 该机器可操作以接收和分发文件。 该机器包括可接收支票的支票接受者和可用于分配现金的自动取款机。 机器中的文档保存盒包括通过电感耦合无线供电的电路。 该机器可以通过使用感应器无线地从盒中读取数据。
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公开(公告)号：US09378629B2
公开(公告)日：2016-06-28
申请号：US14721731
申请日：2015-05-26
发明人： David N. Lewis , Jeffery M. Enright , Natarajan Ramachandran , Mark A. Douglass , Tim Crews , Songtao Ma , Randall W. Jenkins , H. Thomas Graef , Sathish M. Irudayam , Klaus Steinbach
CPC分类号： G07F19/2055 , G06K7/0004 , G06K7/084 , G06K19/07345 , G06K19/07381 , G07F19/201
摘要： A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The card data is usable by the machine to authorize a user to carry out a financial transfer involving the account.
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公开(公告)号：US20160140812A1
公开(公告)日：2016-05-19
申请号：US15000736
申请日：2016-01-19
发明人： H. Thomas Graef , William Beskitt
IPC分类号： G07F19/00
CPC分类号： G07F19/202 , G06Q20/1085 , G07F19/205
摘要： An automated banking machine that includes a check acceptor that is operative to receive checks from authorized machine users. The check acceptor is operable to continuously move a received check along its transport path while simultaneously rotationally orienting the check into alignment with the transport path. A check determined not to have at least one property of an acceptable check is returned to the machine user. Acceptable checks are processed and stored in the machine.
摘要翻译： 一种自动银行机器，其包括检查接收器，其可用于从授权的机器用户接收检查。 支票接收器可操作以沿着其传送路径连续地移动所接收的支票，同时将支票旋转地定向成与输送路径对齐。 确定不具有可接受检查的至少一个属性的检查返回给机器用户。 可接受的检查被处理并存储在机器中。
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公开(公告)号：US09214046B2
公开(公告)日：2015-12-15
申请号：US14321369
申请日：2014-07-01
发明人： Jeffery M. Enright , John E. Derimiggio , H. Thomas Graef , Kenneth Turocy , Mike R. Ryan , William D. Beskitt , Damon J. Blackford , Jeffrey M. Eastman , Steven Shepley
摘要： An automated banking machine operated responsive to data bearing records includes a card reader that is operative to read data from user cards including financial account identifying data, and to cause financial transfers responsive to the card data. The automated banking machine includes a sheet accepting device. The sheet accepting device is operative to receive a stack of sheets and to separate each sheet from the stack. Each sheet is aligned with a sheet path and analyzed by analysis devices including at least one magnetic read head, an imager, and/or a validation device. Sheets determined to have at least one property of a genuine sheet are processed and stored in the machine.
摘要翻译： 响应于数据承载记录操作的自动银行机包括读卡器，其可操作以从用户卡读取数据，包括金融帐户识别数据，并且响应卡数据进行财务转账。 自动银行机包括纸张接受装置。 纸张接受装置可操作以接收纸张堆叠并且将每个纸张与纸张分离。 每个片材与片材路径对准，并通过包括至少一个磁读头，成像器和/或验证装置的分析装置进行分析。 确定具有至少一个正本工作表的属性的表被处理并存储在机器中。
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公开(公告)号：US08978973B2
公开(公告)日：2015-03-17
申请号：US13907901
申请日：2013-06-01
发明人： Kenneth Turocy , William D. Beskitt , David A. Peters , H. Thomas Graef , Bryan Simmons , Mark Savcic , Mike P. Ryan , Eric Klein
IPC分类号： G07F19/00
CPC分类号： G07F19/203 , G06K19/073 , G06K19/07779 , G06Q20/042 , G07D11/0036 , G07F7/0873 , G07F19/202 , G07F19/209
摘要： A banking system is controlled responsive, at least in part, to data read from data bearing records. The banking system includes an automated banking machine. The machine is operable to carry out a financial transaction responsive to a determination that data read from a data bearing record, such as a card that is read by a card reader in the machine, corresponds to stored information for an authorized user or financial account. The machine is operable to receive and dispense documents. The machine includes a check acceptor that is operative to receive checks and a cash dispenser that is operative to dispense cash. Document holding cassettes in the machine include circuitry that is wirelessly powered through inductive coupling. The machine can wirelessly read data from a cassette through use of induction.
摘要翻译： 银行系统至少部分受控于从数据记录中读取的数据的响应。 银行系统包括自动银行机。 该机器可操作以响应于从数据承载记录（例如由机器中的读卡器读取的卡片）读取的数据对应于授权用户或财务帐户的存储信息的确定来执行金融交易。 该机器可操作以接收和分发文件。 该机器包括可接收支票的支票接受者和可用于分配现金的自动取款机。 机器中的文档保存盒包括通过电感耦合无线供电的电路。 该机器可以通过使用感应器无线地从盒中读取数据。
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