公开(公告)号：US08613388B2

公开(公告)日：2013-12-24

申请号：US13428007

申请日：2012-03-23

申请人： Thomas A. VanKirk ,  Jon E. Washington ,  Brian Jones ,  William D. Beskitt ,  Harry Thomas Graef ,  David A. Peters ,  Damon J. Blackford ,  Dale H. Blackson ,  Edward L. Laskowski ,  Songtao Ma ,  Tim Crews ,  Wayne Warren ,  Martin J. Brown ,  Todd Galloway ,  Kenneth Turocy ,  Douglas T. Dominick ,  Jasen J. Smolk ,  Brian E. Lucas ,  Bradley Lightner ,  James Meek ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Keith Carpenter ,  Laura Drozda

发明人： Thomas A. VanKirk ,  Jon E. Washington ,  Brian Jones ,  William D. Beskitt ,  Harry Thomas Graef ,  David A. Peters ,  Damon J. Blackford ,  Dale H. Blackson ,  Edward L. Laskowski ,  Songtao Ma ,  Tim Crews ,  Wayne Warren ,  Martin J. Brown ,  Todd Galloway ,  Kenneth Turocy ,  Douglas T. Dominick ,  Jasen J. Smolk ,  Brian E. Lucas ,  Bradley Lightner ,  James Meek ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Keith Carpenter ,  Laura Drozda

IPC分类号： G07F19/00

CPC分类号： G06Q20/042 ,  G06Q20/1085 ,  G07D11/0084 ,  G07F19/20

摘要： An automated banking machine operates responsive to data read from user cards to accept checks and dispense cash to authorized machine users. The machine can compare image data and magnetic data obtained from a check to determine the genuineness of the check. The machine can also determine whether a machine user is authorized to exchange a check for cash. A cash dispenser can be operated to dispense cash to a machine user in exchange for a deposited check. The machine dispenses the cash responsive to communications with a transaction host.

摘要翻译： 一种自动银行业务器响应于从用户卡读取的数据来接受对被授权的机器用户的支票和现金的操作。 该机器可以比较从支票获取的图像数据和磁数据，以确定支票的真实性。 机器还可以确定机器用户是否有权交换支票以支付现金。 可以使用自动取款机将现金分配给机器用户以换取存放支票。 该机器响应于与交易主机的通信而分配现金。

公开(公告)号：US20120043379A1

公开(公告)日：2012-02-23

申请号：US13200697

申请日：2011-09-28

申请人： Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson ,  Edward L. Laskowski ,  Carole Laskowski

发明人： Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson ,  Edward L. Laskowski ,  Carole Laskowski

IPC分类号： G07F19/00

CPC分类号： G07F19/20 ,  G06Q20/1085 ,  G06Q20/18 ,  G07F19/201 ,  G07F19/2055 ,  G07F19/207 ,  G07F19/211

摘要： A cash dispensing automated banking machine includes a card reader associated with a card slot. An anti-fraud sensing device is able to sense ambient light or generated radiation that passes to the sensing device through the card reader slot. The installation of an unauthorized card reading device on the machine changes at least one property sensed by the sensing device. A controller in the machine receives signals from the sensing device, and determines if an unauthorized card reading device has been installed.

摘要翻译： 现金分配自动银行机包括与卡槽相关联的读卡器。 反欺诈感测装置能够通过读卡器槽感测环境光或传递到感测装置的辐射。 在机器上安装未授权的读卡装置改变感测装置感测到的至少一个属性。 机器中的控制器接收来自感测装置的信号，并且确定是否已经安装了未授权的读卡装置。

公开(公告)号：US08047429B1

公开(公告)日：2011-11-01

申请号：US12658864

申请日：2010-02-16

申请人： Wayne Warren ,  Dale H. Blackson ,  Tim Crews ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Edward L. Laskowski

发明人： Wayne Warren ,  Dale H. Blackson ,  Tim Crews ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Martin J. Brown ,  Todd Galloway ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Edward L. Laskowski

IPC分类号： G07F19/00

CPC分类号： G06Q20/042 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q40/00 ,  G07F19/20

摘要： An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash is dispensed to the user from the ATM in exchange for the deposited check.

摘要翻译： 自动银行机系统和方法包括接收对用户的支票和现金的ATM。 操作ATM以从存放的检查中获得图像和磁性数据，以确定检查的真实性和用户接收用于这种检查的现金的权限。 现金从ATM中分配给用户，以换取押金支票。

公开(公告)号：US07891554B2

公开(公告)日：2011-02-22

申请号：US12380105

申请日：2009-02-23

申请人： H. Thomas Graef ,  William D. Beskitt ,  Damon J. Blackford ,  Dale Blackson ,  Robert Bowser ,  Keith A. Drescher ,  Jeffrey Eastman ,  Matthew Force ,  Sean Haney ,  Michael Harty ,  Dale Horan ,  Andrew Junkins ,  Edward L. Laskowski ,  Ashok Modi ,  Mark Owens ,  Mike Ryan ,  Bill Schadt ,  David Schultz ,  Mike Theriault ,  Mark D. Smith

发明人： H. Thomas Graef ,  William D. Beskitt ,  Damon J. Blackford ,  Dale Blackson ,  Robert Bowser ,  Keith A. Drescher ,  Jeffrey Eastman ,  Matthew Force ,  Sean Haney ,  Michael Harty ,  Dale Horan ,  Andrew Junkins ,  Edward L. Laskowski ,  Ashok Modi ,  Mark Owens ,  Mike Ryan ,  Bill Schadt ,  David Schultz ,  Mike Theriault ,  Mark D. Smith

IPC分类号： G06Q40/00

CPC分类号： G07D7/12 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/40 ,  G06Q40/00 ,  G07D7/20 ,  G07D11/0003 ,  G07D11/0021 ,  G07D11/0066 ,  G07F19/20 ,  G07F19/201 ,  G07F19/202 ,  G07F19/203 ,  Y10S209/942

摘要： An automated banking machine (10) identifies and stores documents such as currency bills deposited by a user. The machine then selectively recovers documents from storage and dispenses them to other users. The machine includes a central transport (70) wherein documents deposited in a stack are unstacked, oriented, and identified. Such documents are then routed to storage areas in recycling canisters (92, 94, 96, 98). When a user subsequently requests a dispense, documents stored in the storage areas are selectively picked therefrom and delivered to the user through an input/output area (50) of the machine. The control system (30) for the machine includes a terminal processor (548). Identification devices identify the type and character of a document, and distinguish genuine documents, such as genuine currency bills, from unidentifiable or suspect documents.

摘要翻译： 自动银行机（10）识别和存储由用户存放的诸如货币单据等文件。 然后，机器选择性地从存储器中恢复文档并将其分发给其他用户。 该机器包括中央传送器（70），其中堆放在堆叠中的文件被拆包，定向和识别。 然后将这些文件送到回收罐（92,94,96,98）中的存储区域。 当用户随后请求分发时，存储在存储区域中的文档被选择性地从中提取并通过机器的输入/输出区域（50）传递给用户。 用于机器的控制系统（30）包括终端处理器（548）。 识别设备识别文档的类型和特征，并将真实的货币单据（例如真正的货币单据）从不可识别的或可疑的文件中区分开来。

公开(公告)号：US20100176190A1

公开(公告)日：2010-07-15

申请号：US12661276

申请日：2010-03-12

申请人： Thomas A. VanKirk ,  Jon E. Washington ,  Brian Jones ,  William D. Beskitt ,  Harry Thomas Graef ,  David A. Peters ,  Damon J. Blackford ,  Dale H. Blackson ,  Edward L. Laskowski ,  Songtao Ma ,  Tim Crews ,  Wayne Warren ,  Martin J. Brown ,  Todd Galloway ,  Kenneth Turocy ,  Douglas T. Dominik ,  Jason J. Smolk ,  Brian E. Lucas ,  Bradley Lightner ,  James Meek ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Keith Carpenter ,  Laura Drozda

发明人： Thomas A. VanKirk ,  Jon E. Washington ,  Brian Jones ,  William D. Beskitt ,  Harry Thomas Graef ,  David A. Peters ,  Damon J. Blackford ,  Dale H. Blackson ,  Edward L. Laskowski ,  Songtao Ma ,  Tim Crews ,  Wayne Warren ,  Martin J. Brown ,  Todd Galloway ,  Kenneth Turocy ,  Douglas T. Dominik ,  Jason J. Smolk ,  Brian E. Lucas ,  Bradley Lightner ,  James Meek ,  Robert W. Barnett ,  Mike Ryan ,  James R. Kay ,  Mark A. Ward ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Keith Carpenter ,  Laura Drozda

IPC分类号： G07F19/00 ,  G06K5/00

CPC分类号： G07D11/0084 ,  G06Q20/042 ,  G06Q20/1085 ,  G07F19/20

摘要： An automated banking machine that operates responsive to data read from user cards which accepts checks and dispenses cash to users. The machine operates to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user in exchange for the deposited check. The machine dispenses cash responsive to communications with a transaction host.

摘要翻译： 一种自动银行机器，其响应于从用户卡读取的数据进行操作，该数据接收检查并向用户分配现金。 该机器用于从存放的检查中获取图像和磁性数据，以确定检查的真实性以及用户接受这种检查的现金的权限。 可以将现金分配给用户以换取已存的支票。 该机器响应于与交易主机的通信而分配现金。

公开(公告)号：US07433844B2

公开(公告)日：2008-10-07

申请号：US10141798

申请日：2002-05-07

申请人： Edward L. Laskowski

发明人： Edward L. Laskowski

IPC分类号： G06Q40/00

CPC分类号： G07D11/0066 ,  G06Q20/1085 ,  G07D7/00 ,  G07D7/12 ,  G07D7/181 ,  G07D7/20 ,  G07D11/0003 ,  G07D11/0051 ,  G07D11/0054 ,  G07D11/0075 ,  G07F9/026 ,  G07F19/20 ,  G07F19/203 ,  G07F19/207

摘要： An automated banking machine (10) includes a user interface (12) including an opening (20). Users of the machine deliver and receive individual sheets and stacks of sheets to and from the machine through the opening. Stacks of sheets may include sheets such as currency notes, checks or other documents. Stacks input to the machine may include mixtures of various types of sheets. The machine operates to receive notes, process checks and perform other operations. Notes received in the machine and assessed as valid may be recycled and dispensed to other users. Notes assessed by the machine as being of questionable validity may be marked thereon with a removable mark and subjected to further analysis.

摘要翻译： 自动银行机（10）包括包括开口（20）的用户界面（12）。 机器的用户通过开口传送和接收单独的纸张和纸张堆放在机器上。 床单可能包括纸币，如纸币，支票或其他文件。 输入到机器的堆叠可以包括各种类型的片材的混合物。 机器操作以接收笔记，过程检查和执行其他操作。 在机器收到的评估为有效的笔记可以回收并分发给其他用户。 由机器评估为具有可疑有效性的记录可以用可拆卸标记在其上标记并进行进一步分析。

公开(公告)号：US07428984B1

公开(公告)日：2008-09-30

申请号：US11371330

申请日：2006-03-08

申请人： Tim Crews ,  Songtao Ma ,  Edward L. Laskowski

发明人： Tim Crews ,  Songtao Ma ,  Edward L. Laskowski

IPC分类号： G07F19/00 ,  G06K7/08 ,  G06K19/06

CPC分类号： G07F19/202 ,  G06Q20/042 ,  G07F19/20 ,  G07F19/206

摘要： An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user from the ATM in exchange for the deposited check. The ATMs dispense cash responsive to communications with a transaction host. The transaction host provides transaction identifying data to the ATM. The ATM sends the transaction identifying data and check images to an image and transaction data server for processing.

公开(公告)号：US07314163B1

公开(公告)日：2008-01-01

申请号：US11787406

申请日：2007-04-16

申请人： Tim Crews ,  Keith Carpenter ,  Mike Ryan ,  Laura Drozda ,  Wayne Warren ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Martin J. Brown ,  Dale H. Blackson ,  Todd Galloway ,  Robert W. Barnett ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Edward L. Laskowski ,  H. Thomas Graef

发明人： Tim Crews ,  Keith Carpenter ,  Mike Ryan ,  Laura Drozda ,  Wayne Warren ,  Victor Bell ,  William McCarthy ,  Matthew Pahl ,  Martin J. Brown ,  Dale H. Blackson ,  Todd Galloway ,  Robert W. Barnett ,  James R. Kay ,  Mark A. Ward ,  David A. Peters ,  Edward L. Laskowski ,  H. Thomas Graef

IPC分类号： G06F19/00

CPC分类号： G07F19/202 ,  G06Q20/042 ,  G06Q20/40 ,  G07F19/20

摘要： An automated banking machine system includes ATMs that can accept checks. Cash may be dispensed from an ATM to the user in exchange for a check. Cancellation indicia can be marked on the check by the ATM. The ATM can acquire image data and magnetic data from a received check to determine the genuineness of the check and the authority of the user to cash the check. A check imaging device of the ATM can generate a digital image of a received check. The check image data can be stored in correlated relation with the related transaction data. The ATM can also modify the check image data to produce a modified check image that excludes sensitive check information, such as the user's account number in the micr line. The ATM can then print this modified check image on the user's transaction receipt.

摘要翻译： 自动银行机系统包括可以接受支票的ATM。 可以从ATM向用户分配现金以换取支票。 取消指示可以在ATM的支票上标明。 ATM可以从接收到的支票获取图像数据和磁数据，以确定支票的真实性和用户现金支票的权限。 ATM的检查成像装置可以生成接收到的支票的数字图像。 检查图像数据可以与相关的交易数据相关联地存储。 ATM还可以修改检查图像数据以产生修改的检查图像，其排除敏感检查信息，例如微行中的用户帐号。 然后ATM可以在用户的​​交易收据上打印该修改的检查图像。

公开(公告)号：US07229010B2

公开(公告)日：2007-06-12

申请号：US11370749

申请日：2006-03-08

申请人： Thomas A. VanKirk ,  Jon E. Washington ,  Brian Jones ,  William D. Beskitt ,  Harry Thomas Graef ,  David A. Peters ,  Damon J. Blackford ,  Dale H. Blackson ,  Edward L. Laskowski ,  Songtao Ma ,  Tim Crews ,  Kenneth Turocy ,  Douglas T. Dominick ,  Jason J. Smolk ,  Brian E. Lucas ,  Bradley Lightner

发明人： Thomas A. VanKirk ,  Jon E. Washington ,  Brian Jones ,  William D. Beskitt ,  Harry Thomas Graef ,  David A. Peters ,  Damon J. Blackford ,  Dale H. Blackson ,  Edward L. Laskowski ,  Songtao Ma ,  Tim Crews ,  Kenneth Turocy ,  Douglas T. Dominick ,  Jason J. Smolk ,  Brian E. Lucas ,  Bradley Lightner

IPC分类号： G07F19/00

CPC分类号： G07F19/202 ,  G06Q20/042 ,  G07F19/20 ,  G07F19/203 ,  G07F19/205

摘要： An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user from the ATM in exchange for the deposited check. The ATMs dispense cash responsive to communications with a transaction host.

公开(公告)号：US07156295B2

公开(公告)日：2007-01-02

申请号：US10796574

申请日：2004-03-09

申请人： Mike Ryan ,  Jeffery M. Enright ,  Jeffrey Eastman ,  Franklin M. Theriault ,  R. Matthew Dunlap ,  William D. Beskitt ,  Sean Haney ,  Colin Fitzpatrick ,  Edward L. Laskowski ,  Bill Lavelle ,  David Schultz ,  Matthew Force

发明人： Mike Ryan ,  Jeffery M. Enright ,  Jeffrey Eastman ,  Franklin M. Theriault ,  R. Matthew Dunlap ,  William D. Beskitt ,  Sean Haney ,  Colin Fitzpatrick ,  Edward L. Laskowski ,  Bill Lavelle ,  David Schultz ,  Matthew Force

IPC分类号： G06Q40/00 ,  G07D11/00 ,  G07F19/00 ,  G06K5/00 ,  G06K13/00

CPC分类号： B65H1/06 ,  B41J2/16585 ,  B65H3/042 ,  B65H3/52 ,  B65H2701/1912 ,  B65H2701/1916 ,  G06Q20/1085 ,  G06Q40/00 ,  G07D11/0006 ,  G07D11/0018 ,  G07D11/0081 ,  G07D11/0096 ,  G07F19/20 ,  G07F19/202 ,  Y10T29/4984 ,  Y10T29/49904 ,  Y10T29/49945

摘要： An automated banking machine includes a mechanism for accepting deposited items. Deposited items may be provided to the machine in envelopes which are first passed to a user from an envelope storage area (132) in the machine through a transport (124) and which are presented to the user through an opening (244). An envelope storage and dispensing device (134) is operative to assure that only a single envelope is delivered to the user. A user may thereafter include deposit items in the dispensed envelope. The deposited items are passed through the opening (244) and are deposited in a deposit-holding container (128). The deposited items may be marked with indicia corresponding to the transaction or properties of the deposited item where the envelope originally dispensed to the user for holding the deposited item.