公开(公告)号：US08800864B2

公开(公告)日：2014-08-12

申请号：US13487497

申请日：2012-06-04

申请人： H. Thomas Graef ,  Robert V. Artino ,  Rodney J. Reese ,  Michael A. Meffie ,  J. Richard Hanna ,  Randall W. Jenkins ,  Mark A. DePietro ,  Steven R. Davis

发明人： H. Thomas Graef ,  Robert V. Artino ,  Rodney J. Reese ,  Michael A. Meffie ,  J. Richard Hanna ,  Randall W. Jenkins ,  Mark A. DePietro ,  Steven R. Davis

IPC分类号： G07F19/00

CPC分类号： G07F19/203 ,  G06Q20/1085 ,  G06Q20/327 ,  G06Q40/02 ,  G07D1/00 ,  G07D11/0018 ,  G07D11/0081 ,  G07D11/0087 ,  G07D11/0096 ,  G07F19/20 ,  G07F19/201 ,  G07F19/202 ,  G07F19/207 ,  H01Q1/2208

摘要： A banking system is controlled responsive to data included on data bearing records. The system includes a deposit accepting machine for accepting deposit items, such as deposit bags, currency, and checks. The deposit accepting machine includes a card reader operable to read financial account data from cards of depositors. The machine includes a RFID reader that wirelessly reads data from RFID tags on deposited items, including account number and deposit amount data. A computer credits the account for the read deposit amount. The machine, which can also dispense cash, further includes an NFC reader that can wirelessly receive cash loading data from an NFC component on a cash handler's cash transport bag. The cash loading data can include an amount of cash loaded into the machine. The machine can wirelessly transmit to the bag, dispense data that includes the amount of cash dispensed since the last cash loading.

摘要翻译： 响应于数据承载记录上包含的数据来控制银行系统。 该系统包括用于接受存款项目的存款接收机，如存款袋，货币和支票。 存款接收机包括读卡器，用于从储存卡读取金融账户数据。 该机器包括一个RFID读取器，用于从存储物品上的RFID标签中无线读取数据，包括帐号和存款金额数据。 计算机将该账户存入读取的存款金额。 该机器还可以分配现金，还包括NFC读取器，其可以从现金处理者的现金运输袋上的NFC组件无线地接收现金加载数据。 现金加载数据可以包括装入机器的现金数量。 该机器可以无线传输到袋子，分配包括自上次现金加载以来分配的现金数量的数据。

公开(公告)号：US08590780B2

公开(公告)日：2013-11-26

申请号：US13487501

申请日：2012-06-04

申请人： H. Thomas Graef ,  J. Richard Hanna ,  Randall W. Jenkins ,  Robert V. Artino ,  Rodney J. Reese ,  Mark A. DePietro ,  Steven R. Davis ,  Michael A. Meffie

发明人： H. Thomas Graef ,  J. Richard Hanna ,  Randall W. Jenkins ,  Robert V. Artino ,  Rodney J. Reese ,  Mark A. DePietro ,  Steven R. Davis ,  Michael A. Meffie

IPC分类号： G07F19/00

CPC分类号： G07F19/201 ,  G06Q20/1085 ,  G06Q20/327 ,  G06Q40/02 ,  G07D1/00 ,  G07D11/0018 ,  G07D11/0081 ,  G07D11/0087 ,  G07D11/0096 ,  G07F19/20 ,  G07F19/202 ,  G07F19/207 ,  H01Q1/2208 ,  Y10S902/08 ,  Y10S902/09 ,  Y10S902/13 ,  Y10S902/14

摘要： A banking system is controlled responsive to data included on data bearing records. The system includes a deposit accepting machine for accepting deposit items, such as deposit bags, currency, and checks. The deposit accepting machine includes a card reader operable to read financial account data from cards of depositors. The machine includes a RFID reader that wirelessly reads data from RFID tags on deposited items, including account number and deposit amount data. A computer credits the account for the read deposit amount. The machine, which can also dispense cash, further includes an NFC reader that can wirelessly receive cash loading data from an NFC component on a cash handler's cash transport bag. The cash loading data can include an amount of cash loaded into the machine. The machine can wirelessly transmit to the bag, dispense data that includes the amount of cash dispensed since the last cash loading.

公开(公告)号：US20130140358A1

公开(公告)日：2013-06-06

申请号：US13487501

申请日：2012-06-04

申请人： H. Thomas Graef ,  J. Richard Hanna ,  Randall W. Jenkins ,  Robert V. Artino ,  Rodney J. Reese ,  Mark A. DePietro ,  Steven R. Davis ,  Michael A. Meffie

发明人： H. Thomas Graef ,  J. Richard Hanna ,  Randall W. Jenkins ,  Robert V. Artino ,  Rodney J. Reese ,  Mark A. DePietro ,  Steven R. Davis ,  Michael A. Meffie

IPC分类号： G06Q40/02

CPC分类号： G07F19/201 ,  G06Q20/1085 ,  G06Q20/327 ,  G06Q40/02 ,  G07D1/00 ,  G07D11/0018 ,  G07D11/0081 ,  G07D11/0087 ,  G07D11/0096 ,  G07F19/20 ,  G07F19/202 ,  G07F19/207 ,  H01Q1/2208 ,  Y10S902/08 ,  Y10S902/09 ,  Y10S902/13 ,  Y10S902/14

摘要： A banking system is controlled responsive to data included on data bearing records. The system includes a deposit accepting machine for accepting deposit items, such as deposit bags, currency, and checks. The deposit accepting machine includes a card reader operable to read financial account data from cards of depositors. The machine includes a RFID reader that wirelessly reads data from RFID tags on deposited items, including account number and deposit amount data. A computer credits the account for the read deposit amount. The machine, which can also dispense cash, further includes an NFC reader that can wirelessly receive cash loading data from an NFC component on a cash handler's cash transport bag. The cash loading data can include an amount of cash loaded into the machine. The machine can wirelessly transmit to the bag, dispense data that includes the amount of cash dispensed since the last cash loading.

摘要翻译： 响应于数据承载记录上包含的数据来控制银行系统。 该系统包括用于接受存款项目的存款接收机，如存款袋，货币和支票。 存款接收机包括读卡器，用于从储存卡读取金融账户数据。 该机器包括一个RFID读取器，用于从存储物品上的RFID标签中无线读取数据，包括帐号和存款金额数据。 计算机将该账户存入读取的存款金额。 该机器还可以分配现金，还包括NFC读取器，其可以从现金处理者的现金运输袋上的NFC组件无线地接收现金加载数据。 现金加载数据可以包括装入机器的现金数量。 该机器可以无线传输到袋子，分配包括自上次现金加载以来分配的现金数量的数据。

公开(公告)号：US20130146657A1

公开(公告)日：2013-06-13

申请号：US13487497

申请日：2012-06-04

申请人： H. Thomas Graef ,  Robert V. Artino ,  Rodney J. Reese ,  Michael A. Meffie ,  J. Richard Hanna ,  Randall W. Jenkins ,  Mark A. DePietro ,  Steven R. Davis

发明人： H. Thomas Graef ,  Robert V. Artino ,  Rodney J. Reese ,  Michael A. Meffie ,  J. Richard Hanna ,  Randall W. Jenkins ,  Mark A. DePietro ,  Steven R. Davis

IPC分类号： G07F19/00

CPC分类号： G07F19/203 ,  G06Q20/1085 ,  G06Q20/327 ,  G06Q40/02 ,  G07D1/00 ,  G07D11/0018 ,  G07D11/0081 ,  G07D11/0087 ,  G07D11/0096 ,  G07F19/20 ,  G07F19/201 ,  G07F19/202 ,  G07F19/207 ,  H01Q1/2208

摘要： A banking system is controlled responsive to data included on data bearing records. The system includes a deposit accepting machine for accepting deposit items, such as deposit bags, currency, and checks. The deposit accepting machine includes a card reader operable to read financial account data from cards of depositors. The machine includes a RFID reader that wirelessly reads data from RFID tags on deposited items, including account number and deposit amount data. A computer credits the account for the read deposit amount. The machine, which can also dispense cash, further includes an NFC reader that can wirelessly receive cash loading data from an NFC component on a cash handler's cash transport bag. The cash loading data can include an amount of cash loaded into the machine. The machine can wirelessly transmit to the bag, dispense data that includes the amount of cash dispensed since the last cash loading.

公开(公告)号：US08651371B1

公开(公告)日：2014-02-18

申请号：US12589254

申请日：2009-10-19

申请人： Mark D. Smith ,  Mark A. Douglass ,  H. Thomas Graef ,  Natarajan Ramachandran ,  J. Richard Hanna ,  Randall W. Jenkins ,  Mark A. DePietro ,  Robert V. Artino ,  Steven R. Davis

发明人： Mark D. Smith ,  Mark A. Douglass ,  H. Thomas Graef ,  Natarajan Ramachandran ,  J. Richard Hanna ,  Randall W. Jenkins ,  Mark A. DePietro ,  Robert V. Artino ,  Steven R. Davis

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G07F19/20 ,  G07F19/203

摘要： An automated banking machine includes a card reader operative to read data from user cards. Read card data enables an authorized machine user to select between receiving currency bills that include a programmable tracking device or currency bills that do not include a programmable tracking device. The automated banking machine can dispense the form of currency bills that corresponds to the user's selection. Prior to dispensing a currency bill that has a programmable tracking device, the automated banking machine stores information related to the read card data in the currency bill.

摘要翻译： 自动银行机包括读卡器，用于从用户卡读取数据。 读卡数据使得授权的机器用户能够在包括可编程跟踪装置的接收货币单元或不包括可编程跟踪装置的货币单据之间进行选择。 自动银行机器可以分配对应于用户选择的货币单据的形式。 在分配具有可编程跟踪装置的货币单据之前，自动银行机将与读卡数据相关的信息存储在货币单中。

公开(公告)号：US08474700B1

公开(公告)日：2013-07-02

申请号：US13385567

申请日：2012-02-24

申请人： 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 ,  Theresa Ipson ,  Frank Natoli ,  James E. Pettitt ,  Charles H. Somers, Jr.

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 ,  Theresa Ipson ,  Frank Natoli ,  James E. Pettitt ,  Charles H. Somers, Jr.

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

CPC分类号： G06K7/0004 ,  G06K13/06 ,  G06Q10/00 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/1085 ,  G06Q20/32 ,  G06Q20/3227 ,  G06Q20/3274 ,  G06Q20/352 ,  G06Q20/385 ,  G06Q30/0237 ,  G06Q30/04 ,  G06Q40/00 ,  G07F7/10 ,  G07F7/1075 ,  G07F19/20 ,  G07F19/205

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 machine also includes a PIN keypad. The card reader can send encrypted card data to the keypad. The keypad can decipher the encrypted card data. The keypad can encrypt both deciphered card data and a received user PIN. The card data and the PIN are usable by the machine to authorize a user to carry out a financial transfer involving the account.

公开(公告)号：US08418917B1

公开(公告)日：2013-04-16

申请号：US13404643

申请日：2012-02-24

申请人： 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

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

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

CPC分类号： G06K7/0004 ,  G06K13/08 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/1085 ,  G06Q20/32 ,  G06Q20/3227 ,  G06Q20/3274 ,  G06Q20/352 ,  G06Q20/385 ,  G06Q30/0237 ,  G07F7/10 ,  G07F7/1075 ,  G07F19/20 ,  G07F19/205

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 machine also includes a PIN keypad. The card reader can send encrypted card data to the keypad. The keypad can decipher the encrypted card data. The keypad can encrypt both deciphered card data and a received user PIN. The card data and the PIN are usable by the machine to authorize a user to carry out a financial transfer involving the account.

公开(公告)号：US08540142B1

公开(公告)日：2013-09-24

申请号：US13404617

申请日：2012-02-24

申请人： 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

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

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

CPC分类号： G07F19/20 ,  G06Q40/02 ,  G07F7/1033 ,  G07F7/1091

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 machine also includes a PIN keypad. The card reader can send encrypted card data to the keypad. The keypad can decipher the encrypted card data. The keypad can encrypt both deciphered card data and a received user PIN. The card data and the PIN are usable by the machine to authorize a user to carry out a financial transfer involving the account.

摘要翻译： 银行系统响应于从数据记录中读取的数据进行操作。 该系统包括包括读卡器的自动银行机。 读卡器包括一个可移动的读取头，可读取沿着长边插入的卡的磁条的卡数据。 读卡器包括卡入口门。 门被打开以确定正确定向以进行数据读取的卡。 读卡器可以加密卡数据，包括帐号数据。 该机器还包括一个PIN键盘。 读卡器可以将加密的卡数据发送到键盘。 键盘可以解密加密的卡数据。 键盘可以对已解密的卡片数据和接收到的用户PIN进行加密。 卡片数据和PIN可由机器授权用户执行涉及该帐户的财务转移。

公开(公告)号：US08434678B1

公开(公告)日：2013-05-07

申请号：US13373528

申请日：2011-11-17

申请人： James Meek ,  H. Thomas Graef

发明人： James Meek ,  H. Thomas Graef

IPC分类号： G06Q40/00 ,  G07D11/00 ,  G07F19/00 ,  G06K5/00 ,  G06K7/00 ,  G06K19/00 ,  G06K19/06 ,  G06F7/08

CPC分类号： G07F19/201 ,  G06Q20/1085 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q30/02 ,  G06Q30/0251 ,  G06Q30/0271 ,  G07F19/20 ,  G07F19/211

摘要： An automated transaction machine includes a card reader that can read a unique magnetic characteristic of a magnetic stripe on a card. The machine can then send data reflective of the read characteristic to a remote card validator. The card validator can compare the received data to referenced magnetic characteristic data corresponding to cards authorized for use with the machine. The machine can also communicate with a transaction host computer to carry out a financial transaction. As a result of the magnetic data comparison, an invalid card can be discovered and a fraudulent transaction prevented. Communication between the card validator and machine is independent from communication between the transaction host and machine.

摘要翻译： 自动交易机器包括读卡器，其可以读取卡上的磁条的独特磁特性。 然后，机器可以将反映读取特性的数据发送到远程卡验证器。 卡验证器可以将接收的数据与对应于授权与机器一起使用的卡相对应的参考磁特性数据进行比较。 该机器还可以与交易主机通信以进行金融交易。 作为磁数据比较的结果，可以发现无效的卡并防止欺诈交易。 卡验证器和机器之间的通信独立于交易主机与机器之间的通信。

公开(公告)号：US08220706B1

公开(公告)日：2012-07-17

申请号：US12930724

申请日：2011-01-14

申请人： Willis Miller ,  Matthew R. Zaugg ,  James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Mark A. Douglass ,  Dale H. Blackson ,  Caren R. Blackson, legal representative

发明人： Willis Miller ,  Matthew R. Zaugg ,  James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Mark A. Douglass ,  Dale H. Blackson

IPC分类号： G06F17/60

CPC分类号： G07F19/201 ,  G06Q20/18 ,  G06Q20/3224 ,  G06Q20/4012 ,  G06Q20/40145

摘要： An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that reads card data from a card of a machine user. The card data may be linked in a data store to both a customer's financial account and a cell phone assigned to that customer. The automated banking machine user may provide inputs to the machine via one or more sensors that operate to determine where on a display of the machine at least one eye of the machine user is looking.

摘要翻译： 自动银行业务机构可以根据从数据记录中读取的数据进行财务转移。 该机器包括读卡器，用于从机器用户的卡片读取卡片数据。 卡数据可以在数据存储中链接到客户的金融账户和分配给该客户的手机。 自动银行业务机器用户可以经由一个或多个传感器向机器提供输入，该传感器操作以确定机器用户的至少一只眼睛正在看的机器的显示器的哪里。