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    Banking system controlled responsive to data bearing records
    3.
    发明授权
    Banking system controlled responsive to data bearing records 有权
    控制数据记录的银行系统

    公开(公告)号：US07922098B1

    公开(公告)日：2011-04-12

    申请号：US12798050

    申请日：2010-03-29

    申请人： Songtao Ma ,  Sangeeta Huria ,  Eric Klein ,  Tim Crews

    发明人： Songtao Ma ,  Sangeeta Huria ,  Eric Klein ,  Tim Crews

    IPC分类号： G06K19/08

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

    摘要： An automated banking machine operates to carry out financial transfers responsive to data read from data bearing records. The machine includes a card reader that operates to read data from user cards. The card data corresponds to financial accounts. The automated banking machine further includes a cash dispenser and a receipt printer. The machine is operative to dispense cash to an authorized user based on identifying data including card data, and to cause a financial transfer from an account corresponding to card data through communication with at least one remote computer. The machine includes a check acceptor that operates to determine magnetic symbols included on checks. Cash may be dispensed in exchange for a check received through operation of the check acceptor of the machine.

    摘要翻译： 一个自动银行机器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，用于从用户卡读取数据。 卡数据对应于财务账户。 自动银行机还包括自动提款机和收据打印机。 该机器可操作地基于识别包括卡数据的数据向授权用户分配现金，并且通过与至少一个远程计算机的通信，从与卡数据相对应的帐户进行财务转移。 该机器包括检验受体，用于确定检查中包括的磁性符号。 可以通过操作机器的支票接受者来收到支票来兑换现金。

    Banking system controlled responsive to data bearing records
    4.
    发明授权
    Banking system controlled responsive to data bearing records 有权
    控制数据记录的银行系统

    公开(公告)号：US08302855B2

    公开(公告)日：2012-11-06

    申请号：US13346122

    申请日：2012-01-09

    申请人： Songtao Ma ,  Sangeeta Huria ,  Eric Klein ,  Tim Crews

    发明人： Songtao Ma ,  Sangeeta Huria ,  Eric Klein ,  Tim Crews

    IPC分类号： G06Q40/00

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

    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 also includes a display and a printer to produce records of financial transactions carried out with the machine. The card reader is operative to read and return card information read from the user card responsive. The automated banking machine may also include a check acceptor that is usable to determine a probability associated with the check being fraudulent.

    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。 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。 自动银行机还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。 读卡器可操作以响应地读取并返回从用户卡读取的卡片信息。 自动银行机器还可以包括可用于确定与该支票是欺诈性相关联的概率的支票接受者。

    BANKING SYSTEM CONTROLLED RESPONSIVE TO DATA BEARING RECORDS
    5.
    发明申请
    BANKING SYSTEM CONTROLLED RESPONSIVE TO DATA BEARING RECORDS 有权
    控制数据承载记录的银行系统

    公开(公告)号：US20120104093A1

    公开(公告)日：2012-05-03

    申请号：US13346122

    申请日：2012-01-09

    申请人： Songtao Ma ,  Sangeeta Huria ,  Eric Klein ,  Tim Crews

    发明人： Songtao Ma ,  Sangeeta Huria ,  Eric Klein ,  Tim Crews

    IPC分类号： G07F19/00

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

    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 also includes a display and a printer to produce records of financial transactions carried out with the machine. The card reader is operative to read and return card information read from the user card responsive. The automated banking machine may also include a check acceptor that is usable to determine a probability associated with the check being fraudulent

    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。 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。 自动银行机还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。 读卡器可操作以响应地读取并返回从用户卡读取的卡片信息。 自动银行机器还可以包括可用于确定与该支票是欺诈性相关联的概率的支票接受者

    Banking system controlled responsive to data bearing records
    6.
    发明授权
    Banking system controlled responsive to data bearing records 有权
    控制数据记录的银行系统

    公开(公告)号：US08091784B1

    公开(公告)日：2012-01-10

    申请号：US12378043

    申请日：2009-02-10

    申请人： Songtao Ma ,  Sangeeta Huria ,  Eric Klein ,  Tim Crews

    发明人： Songtao Ma ,  Sangeeta Huria ,  Eric Klein ,  Tim Crews

    IPC分类号： G06K9/00

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

    摘要： An automated banking machine operates to carry out financial transfers responsive to data read form data bearing records. The machine includes a card reader that operates to read data from user cards. The card data corresponds to financial accounts. The automated banking machine further includes a cash dispenser and a receipt printer. The machine is operative to dispense cash to an authorized user based on identifying data including card data, and to cause a financial transfer from an account corresponding to card data through communication with at least one remote computer. The machine includes a check acceptor that operates to determine magnetic symbols included on checks. Cash may be dispensed in exchange for a check received through operation of the check acceptor of the machine.

    摘要翻译： 一个自动银行机器可以根据数据读取形式的数据记录进行财务转移。 该机器包括读卡器，用于从用户卡读取数据。 卡数据对应于财务账户。 自动银行机还包括自动提款机和收据打印机。 该机器可操作地基于识别包括卡数据的数据向授权用户分配现金，并且通过与至少一个远程计算机的通信从与卡数据相对应的帐户进行财务转移。 该机器包括检验受体，用于确定检查中包括的磁性符号。 可以通过操作机器的支票接受者来收到支票来兑换现金。

    Method and system of evaluating checks deposited into a cash dispensing automated banking machine
    7.
    发明授权
    Method and system of evaluating checks deposited into a cash dispensing automated banking machine 有权
    评估存入现金分配自动银行机的支票的方法和系统

    公开(公告)号：US07377425B1

    公开(公告)日：2008-05-27

    申请号：US11371331

    申请日：2006-03-08

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

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

    IPC分类号： G07F19/00 ,  G06Q40/00

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

    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。 现金可以从ATM分配给用户，以换取押金支票。 自动取款机响应于与交易主机的通信分配现金。 交易主机向ATM提供交易识别数据。 ATM将事务识别数据和检查图像发送到图像和事务数据服务器进行处理。