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：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：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：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：US08353450B2

公开(公告)日：2013-01-15

申请号：US13441895

申请日：2012-04-08

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

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： G06K5/00

CPC分类号： G07F19/201 ,  G06Q20/1085 ,  G06Q20/322 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q20/388 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q20/40145 ,  G06Q20/425 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/205

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, 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 within a predetermined amount of time.

摘要翻译： 银行系统的操作是响应于读卡器从数据记录读取的卡数据进行财务转移。 该系统包括至少一个包括自动提款机的自动银行机。 该系统在现金分配交易请求期间操作以通过自动银行机接收用户输入与移动电话号码相对应的数据。 该系统用于生成所请求的现金分配交易的安全代码。 系统使用电话号码将生成的安全码发送到手机。 仅当系统在预定时间内接收到所发送的安全码的机器用户输入时，允许现金分配交易进行。

公开(公告)号：US20110238574A1

公开(公告)日：2011-09-29

申请号：US13134128

申请日：2011-05-31

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

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

IPC分类号： G06Q40/00

CPC分类号： G07F19/201 ,  G06Q20/1085 ,  G06Q20/322 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q20/388 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q20/40145 ,  G06Q20/425 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/205

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, 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 within a predetermined amount of time.

摘要翻译： 银行系统的操作是响应于读卡器从数据记录读取的卡数据进行财务转移。 该系统包括至少一个包括自动提款机的自动银行机。 该系统在现金分配交易请求期间操作以通过自动银行机接收用户输入与移动电话号码相对应的数据。 该系统用于生成所请求的现金分配交易的安全代码。 系统使用电话号码将生成的安全码发送到手机。 仅当系统在预定时间内接收到所发送的安全码的机器用户输入时，允许现金分配交易进行。

公开(公告)号：US08152055B2

公开(公告)日：2012-04-10

申请号：US13134128

申请日：2011-05-31

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： G06K5/00

CPC分类号： G07F19/201 ,  G06Q20/1085 ,  G06Q20/322 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q20/388 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q20/40145 ,  G06Q20/425 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/205

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, 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 within a predetermined amount of time.

摘要翻译： 银行系统的操作是响应于读卡器从数据记录读取的卡数据进行财务转移。 该系统包括至少一个包括自动提款机的自动银行机。 该系统在现金分配交易请求期间操作以通过自动银行机接收用户输入与移动电话号码相对应的数据。 该系统用于生成所请求的现金分配交易的安全代码。 系统使用电话号码将生成的安全码发送到手机。 仅当系统在预定时间内接收到所发送的安全码的机器用户输入时，允许现金分配交易进行。

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。

公开(公告)号：US20100241564A1

公开(公告)日：2010-09-23

申请号：US12800878

申请日：2010-05-25

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. Balckson

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

IPC分类号： G06Q40/00

CPC分类号： G07F19/201 ,  G06Q20/1085 ,  G06Q20/322 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q20/388 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q20/40145 ,  G06Q20/425 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/205

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, 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 within a predetermined amount of time.

摘要翻译： 银行系统的操作是响应于读卡器从数据记录读取的卡数据进行财务转移。 该系统包括至少一个包括自动提款机的自动银行机。 该系统在现金分配交易请求期间操作以通过自动银行机接收用户输入与移动电话号码相对应的数据。 该系统用于生成所请求的现金分配交易的安全代码。 系统使用电话号码将生成的安全码发送到手机。 仅当系统在预定时间内接收到所发送的安全码的机器用户输入时，允许现金分配交易进行。

公开(公告)号：US20100059587A1

公开(公告)日：2010-03-11

申请号：US12584491

申请日：2009-09-04

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

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

IPC分类号： G07F19/00

CPC分类号： G07F19/201 ,  G06Q20/1085 ,  G06Q20/322 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q20/388 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q20/40145 ,  G06Q20/425 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/205

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 is linked in a data store to both a customer's financial account and a cell phone assigned to that customer. In response to the user's transaction request, contact data for the assigned cell phone is determined from the data store using the read card data. A transaction security code is then sent to that cell phone. The transaction is allowed to proceed only if the user inputs the sent security code to the machine within a predetermined amount of time. Transaction allowance may also be based on a real time determination that the assigned cell phone is physically located proximate the machine.

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。 卡数据在数据存储中链接到客户的金融帐户和分配给该客户的手机。 响应于用户的交易请求，使用读卡数据从数据存储确定分配的手机的联系人数据。 然后将交易安全码发送到该手机。 仅当用户在预定的时间内将所发送的安全码输入机器时才允许该事务进行。 交易津贴也可以基于分配的手机物理上位于机器附近的实时确定。