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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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公开(公告)号：US09355530B1
公开(公告)日：2016-05-31
申请号：US13793070
申请日：2013-03-11
发明人： James Block , H Thomas Graef , Paul D Magee , Donald S Nelson, Jr. , James Meek , Daniel S McIntyre , Mark DePietro , Natarajan Ramachandran
CPC分类号： G07F19/201 , G06Q20/1085 , G06Q20/405 , G07F19/203 , 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.
摘要翻译： 在示例性实施例中，可操作以执行现金提取的自动银行机。 如果提款低于阈值，则从第一个交易授权计算机获得授权。 如果提款大于或等于阈值，则响应于来自第一交易授权计算机的授权分配现金的第一部分，并且响应于来自第二交易授权计算机的授权分配现金金额的第二部分。
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公开(公告)号：US20170098205A1
公开(公告)日：2017-04-06
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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4.发明授权Automated banking machine that employs a virtual person for assisting customers 有权自动银行机器，雇佣虚拟人员来协助客户公开(公告)号：US09098961B1
公开(公告)日：2015-08-04
申请号：US13714617
申请日：2012-12-14
发明人： James Block , H Thomas Graef , Paul D Magee , Donald S Nelson, Jr. , James Meek , Daniel S McIntyre , Mark DePietro , Natarajan Ramachandran
CPC分类号： G07F19/201 , G07F19/206
摘要： In an example embodiment, an automated banking machine that includes a computer, a camera, a display and an audio output device and is operative to cause visual outputs through the display and audio outputs through the audio output device, which correspond to a simulated person. The camera is in operative connection with the computer, and provides camera data to the computer. The computer is responsive at least in part to the camera data to cause eyes of the output simulated person to be directed toward the eyes of the machine user.
摘要翻译： 在一个示例性实施例中，一种包括计算机，照相机，显示器和音频输出设备的自动银行机器，其操作是通过与模拟人物对应的音频输出设备通过显示器和音频输出引起视觉输出。 相机与计算机可操作连接，并将相机数据提供给计算机。 计算机至少部分地响应于相机数据，以使输出模拟人的眼睛朝向机器用户的眼睛。
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公开(公告)号：US08490868B1
公开(公告)日：2013-07-23
申请号：US13769452
申请日：2013-02-18
发明人： Mark Kropf , Brian McClain , Robert Konecny , James Meek , Nick Billett , Balaji Devarasetty , Kenneth W. Zahorec
CPC分类号： G07F19/211 , G06Q20/108 , G07F19/206
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 operative to read card data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine may also include a client device that is operative to cause the display, card reader and other devices in the machine to operate in response to communications through the client device.
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器，用于从对应于财务账户的用户卡读取卡数据。 自动银行机包括显示器和打印机，用于产生与机器进行的金融交易的记录。 自动银行机器还可以包括客户端设备，其可操作以使机器中的显示器，读卡器和其他设备响应于通过客户端设备的通信来操作。
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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：US09004353B1
公开(公告)日：2015-04-14
申请号：US13793246
申请日：2013-03-11
发明人： James Block , H Thomas Graef , Paul D Magee , Donald S Nelson, Jr. , James Meek , Daniel S McIntyre , Mark 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.
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。
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公开(公告)号：US08955743B1
公开(公告)日：2015-02-17
申请号：US13714644
申请日：2012-12-14
发明人： James Block , H. Thomas Graef , Paul D. Magee , Donald S. Nelson , James Meek , Daniel S. McIntyre , Mark DiPietro , Natarajan Ramachandran
CPC分类号： G07F19/201 , G07F19/207
摘要： In an example embodiment, an automated banking machine that allows a customer to employ a mobile wireless device for performing banking transactions. The customer may request assistance from a teller or other bank personnel at a remote location. An audio, and optionally video, communication may be initiated between the remote location and the customer. The customer may use either the automated banking machine, mobile wireless device, or both for communicating with the remote location.
摘要翻译： 在示例实施例中，允许客户使用移动无线设备来执行银行交易的自动银行机。 客户可以从远程位置的柜员或其他银行人员请求协助。 可以在远程位置和客户之间启动音频和可选的视频通信。 客户可以使用自动银行机，移动无线设备或两者来与远程位置进行通信。
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9.发明授权公开(公告)号：US08523056B1
公开(公告)日：2013-09-03
申请号：US13646807
申请日：2012-10-08
CPC分类号： G07F19/20 , G06Q20/1085 , G07D11/0078
摘要： A card activated cash dispensing automated banking machine operates responsive to data included on user cards. A system and method for producing the automated banking machine incorporating a plurality of hardware devices in the automated banking machine responsive to order data associated with a purchase order for the automated banking machine. The hardware devices include a card reader, a cash dispenser, at least one processor, at least one hard drive, and at least one output device. The order data includes at least one hardware part number corresponding to at least one of the devices, at least one software part number corresponding to at least one software component, and at least one customization part number corresponding to at least one customization file. The system and method include installing the software component and the customization file on the at least one hard drive of the machine, through operation of the at least one server responsive to the order data.
摘要翻译： 卡片激活的现金分发自动银行机对应用户卡上包含的数据进行操作。 一种系统和方法，用于响应于与自动银行机的采购订单相关联的订单数据，在自动银行机中生成包含多个硬件设备的自动银行机。 硬件设备包括读卡器，自动提款机，至少一个处理器，至少一个硬盘驱动器和至少一个输出设备。 订单数据包括对应于至少一个设备的至少一个硬件部件号，对应于至少一个软件组件的至少一个软件部件号以及与至少一个定制文件相对应的至少一个定制部件号。 该系统和方法包括通过响应于订单数据的至少一个服务器的操作来在机器的至少一个硬盘驱动器上安装软件组件和定制文件。
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公开(公告)号：US08479985B1
公开(公告)日：2013-07-09
申请号：US13757251
申请日：2013-02-01
发明人： Mark Kropt , Brian McClain , Robert Konecny , James Meek , Nicholas T. Billett, Jr. , Balaji Devarasetty
CPC分类号： G07F19/211 , G06Q20/108 , G07F19/206
摘要： An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine may also include a portal device that is operative to cause the display, card reader and other devices in the machine to operate in response to communications through the portal device.
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