公开(公告)号：US20140014718A1

公开(公告)日：2014-01-16

申请号：US13546170

申请日：2012-07-11

申请人： Jim Henderson ,  John McRobert

发明人： Jim Henderson ,  John McRobert

IPC分类号： G06Q40/02

CPC分类号： G06Q20/3278 ,  G07F19/20

摘要： A self-service terminal comprises a media dispenser coupled to a control board; a cryptographic memory coupled to the control board; a network connection; a contact token reader; and a user interface comprising a plurality of lights. The control board includes a processor executing firmware. The firmware is operable to (i) read a token presented to the token reader each time the token contacts the token reader, (ii) ascertain a number of times a token reader is presented as part of a single transaction, (iii) create a transaction request including (a) an identifier read from the presented token and (b) an amount of cash requested based on the number of times the token was presented, (iv) encrypt the transaction request using data read from the cryptographic memory, and (v) transmit the encrypted transaction request to a remote authorization server using the network connection.

摘要翻译： 自助终端包括耦合到控制板的媒体分配器; 耦合到控制板的加密存储器; 网络连接; 联系人令牌阅读器; 以及包括多个灯的用户界面。 控制板包括执行固件的处理器。 固件可操作以（i）每当令牌接触令牌读取器时读取提供给令牌读取器的令牌，（ii）确定令牌读取器作为单个事务的一部分呈现的次数，（iii）创建一个 交易请求包括（a）从所提供的令牌读取的标识符和（b）基于所呈现的令牌次数所请求的现金数量，（iv）使用从密码存储器读取的数据来加密交易请求，以及（ v）使用网络连接将加密的交易请求发送到远程授权服务器。

公开(公告)号：US20140019353A1

公开(公告)日：2014-01-16

申请号：US13546206

申请日：2012-07-11

申请人： Jim Henderson ,  John McRobert

发明人： Jim Henderson ,  John McRobert

IPC分类号： G06Q40/02

CPC分类号： G07F19/203 ,  G06Q20/1085 ,  G07F19/211

摘要： A transaction authorization server comprising: a database storing a plurality of customer account records, a network connection operable to communicate with a remote cash dispenser and to receive transaction requests therefrom; and a processor. Each customer account record includes: a unique identifier associated with that customer, an account balance, and customer contact information. The processor is operable to: (i) receive a transaction request, (ii) ascertain from the transaction request a unique identifier and a transaction amount. The processor then (iii) accesses the database using the ascertained unique identifier to: (a) identify a customer account record having a unique identifier matching the ascertained unique identifier, (b) confirm that the transaction amount meets an acceptance criterion based on information contained within that customer account record, but without verifying a personal identification number, and (c) ascertain customer contact information from that customer account record.

摘要翻译： 交易授权服务器，包括：存储多个客户帐户记录的数据库，可操作以与远程自动提款机通信并从其接收交易请求的网络连接; 和处理器。 每个客户帐户记录包括：与该客户相关联的唯一标识符，帐户余额和客户联系信息。 处理器可操作以：（i）接收交易请求，（ii）从交易请求中确定唯一标识符和交易量。 处理器然后（iii）使用确定的唯一标识符访问数据库：（a）识别具有与所确定的唯一标识符匹配的唯一标识符的客户帐户记录，（b）基于所包含的信息来确认交易量符合接受标准 在该客户账户记录中，但不验证个人识别号码，以及（c）从该客户账户记录中确定客户联系信息。

公开(公告)号：US08915426B2

公开(公告)日：2014-12-23

申请号：US13546170

申请日：2012-07-11

申请人： Jim Henderson ,  John McRobert

发明人： Jim Henderson ,  John McRobert

IPC分类号： G06Q40/00

CPC分类号： G06Q20/3278 ,  G07F19/20

摘要： A self-service terminal comprises a media dispenser coupled to a control board; a cryptographic memory coupled to the control board; a network connection; a contact token reader; and a user interface comprising a plurality of lights. The control board includes a processor executing firmware. The firmware is operable to (i) read a token presented to the token reader each time the token contacts the token reader, (ii) ascertain a number of times a token reader is presented as part of a single transaction, (iii) create a transaction request including (a) an identifier read from the presented token and (b) an amount of cash requested based on the number of times the token was presented, (iv) encrypt the transaction request using data read from the cryptographic memory, and (v) transmit the encrypted transaction request to a remote authorization server using the network connection.

摘要翻译： 自助终端包括耦合到控制板的媒体分配器; 耦合到控制板的加密存储器; 网络连接; 联系人令牌阅读器; 以及包括多个灯的用户界面。 控制板包括执行固件的处理器。 固件可操作以（i）每当令牌接触令牌读取器时读取提供给令牌读取器的令牌，（ii）确定令牌读取器作为单个事务的一部分呈现的次数，（iii）创建一个 交易请求包括（a）从所提供的令牌读取的标识符和（b）基于所呈现的令牌次数所请求的现金数量，（iv）使用从密码存储器读取的数据来加密交易请求，以及（ v）使用网络连接将加密的交易请求发送到远程授权服务器。