公开(公告)号：US08336769B2

公开(公告)日：2012-12-25

申请号：US13450957

申请日：2012-04-19

Applicant: James Meek ,  Allan R. Bakerink ,  Bartholomew J. Frazzitta ,  Randolph C. Benore ,  Daniel S. McIntyre ,  Mark DePietro

Inventor： James Meek ,  Allan R. Bakerink ,  Bartholomew J. Frazzitta ,  Randolph C. Benore ,  Daniel S. McIntyre ,  Mark DePietro

IPC: G06F17/60

CPC classification number: G06K9/60 ,  G06K9/00442 ,  G06Q20/105 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/40145 ,  G06Q30/02 ,  G06Q30/0201 ,  G06Q30/0241 ,  G07F19/20 ,  G07F19/201 ,  G07F19/211 ,  H04N7/18

Abstract: A banking system includes automated banking machines that operate responsive to data read from data bearing records. Transactions may also be carried out through communication with local and remote service providers. An automated banking machine is operative to conduct transactions including cash dispensing for users, responsive to data read from user cards and communication with a transaction host. The machine is also operative to provide output signals which drive external displays. A machine processor is operative to cause the machine to receive visual and/or audio content from content sources and to store data corresponding to the content. The content is then output through the external displays.

Abstract translation: 银行系统包括响应于从数据记录读取的数据而操作的自动银行机。 交易也可以通过与本地和远程服务提供商的通信进行。 一种自动银行机器可操作以响应于从用户卡读取的数据和与交易主机的通信来进行包括用户现金分配的交易。 该机器还可以提供驱动外部显示器的输出信号。 机器处理器可操作以使机器从内容源接收视觉和/或音频内容并存储对应于内容的数据。 然后通过外部显示器输出内容。

公开(公告)号：US08301564B2

公开(公告)日：2012-10-30

申请号：US12695870

申请日：2010-01-28

Applicant: Felix A. Mon ,  Timothy James Mark ,  Jason Michael Ackiss ,  Maile George ,  Robert Fleetwood Armstrong

Inventor： Felix A. Mon ,  Timothy James Mark ,  Jason Michael Ackiss ,  Maile George ,  Robert Fleetwood Armstrong

IPC: G06Q40/00

CPC classification number: G07F19/201 ,  G06Q20/1085 ,  G06Q20/405 ,  G06Q40/00 ,  G07F19/20

Abstract: Embodiments of the present invention provide apparatuses, methods, and computer program products that allow for interaction with a user at an automated teller machine (ATM) based on pre-established user preferences. For example, an ATM is provided having: (1) a user interface configured to receive user identifying information from a user; and (2) a processing device operatively coupled to the user interface and configured to use the user identifying information to determine a pre-established user preference, wherein the processing device is further configured to use the user interface to interact with the user based at least partially on the pre-established user preference.

Abstract translation: 本发明的实施例提供了允许基于预先建立的用户偏好在自动取款机（ATM）与用户交互的装置，方法和计算机程序产品。 例如，ATM提供有：（1）被配置为从用户接收用户识别信息的用户界面; 以及（2）处理设备，其可操作地耦合到所述用户界面并且被配置为使用所述用户识别信息来确定预先建立的用户偏好，其中所述处理设备还被配置为使用所述用户界面至少基于所述用户界面与所述用户交互 部分取决于预先建立的用户偏好。

公开(公告)号：US20120223136A1

公开(公告)日：2012-09-06

申请号：US13470810

申请日：2012-05-14

Applicant: Jay Paul Drummond ,  Mark D. Smith ,  Michael A. Meffie ,  Daniel D. Wasil

Inventor： Jay Paul Drummond ,  Mark D. Smith ,  Michael A. Meffie ,  Daniel D. Wasil

IPC: G07F19/00

CPC classification number: G06Q20/1085 ,  G06F3/023 ,  G06F3/04895 ,  G06F17/30861 ,  G06Q20/00 ,  G06Q20/042 ,  G06Q20/0453 ,  G06Q20/10 ,  G06Q20/18 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/00 ,  G07F19/20 ,  G07F19/201 ,  G07F19/206 ,  G07F19/211 ,  G07G5/00 ,  H04L29/06 ,  H04L63/0853 ,  H04L67/02 ,  H04L67/12 ,  H04L67/2842 ,  H04L67/34 ,  H04L69/329

Abstract: A banking system controlled responsive to data bearing records includes a card reader that can read identifying data from user cards. The system can authorize operation of an automated banking machine responsive to the read data. The system can provide an electronic transaction receipt to the machine user. A bank computer is operable to submit the receipt to a system address of record with the bank. The address can correspond to an e-mail address, phone number, or other address associated with an account involved in the transaction. The receipt can also include an image associated with the transaction. The system can also operate to image a check deposited at the machine, and then electronically send the image to the check maker, the payee, and/or a clearinghouse.

Abstract translation: 响应于数据承载记录控制的银行系统包括可从用户卡读取识别数据的读卡器。 该系统可以根据读取的数据授权自动银行机的操作。 系统可以向机器用户提供电子交易收据。 银行电脑可以将收据提交给银行的记录系统地址。 地址可以对应于与交易中涉及的帐户相关联的电子邮件地址，电话号码或其他地址。 收据还可以包括与交易相关联的图像。 该系统还可以对存放在机器上的支票进行成像，然后将图像电子地发送到支票制造者，收款人和/或结算所。

公开(公告)号：US08231050B1

公开(公告)日：2012-07-31

申请号：US13135155

申请日：2011-06-27

Applicant: James Meek

Inventor： James Meek

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

CPC classification number: G07F19/201 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q30/02 ,  G07F19/20 ,  G07F19/211

Abstract: An automated transaction machine can operate to carry out a financial transaction for a machine user responsive to communication with a financial transaction host computer. The machine includes a card reader that can read a user identifier from a magnetic stripe of a user card. The machine sends the read user identifier to a remote marketing computer. The marketing computer uses a user identifier to determine the next marketing presentation to be presented to a machine user corresponding to the user identifier. Responsive to a message received from the marketing computer, the machine operates to display the determined next marketing presentation to the machine user. A marketing campaign includes a sequence of presentations to be output in a predetermined order to a machine user. Machine communication with the remote marketing message computer is independent of machine communication with the transaction host computer.

Abstract translation: 响应于与金融交易主机的通信，自动交易机器可以操作以对机器用户执行金融交易。 该机器包括可从用户卡的磁条读取用户标识符的读卡器。 机器将读取的用户标识符发送到远程营销计算机。 营销计算机使用用户标识符来确定要呈现给与用户标识符相对应的机器用户的下一个营销呈现。 响应于从营销计算机接收的消息，机器操作以向机器用户显示确定的下一个营销呈现。 营销活动包括以预定顺序输出给机器用户的一系列演示文稿。 与远程营销消息计算机的机器通信独立于与交易主机的机器通信。

公开(公告)号：US08220706B1

公开(公告)日：2012-07-17

申请号：US12930724

申请日：2011-01-14

Applicant: 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

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

IPC: G06F17/60

CPC classification number: G07F19/201 ,  G06Q20/18 ,  G06Q20/3224 ,  G06Q20/4012 ,  G06Q20/40145

Abstract: 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.

Abstract translation: 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：US08196926B2

公开(公告)日：2012-06-12

申请号：US12590358

申请日：2009-11-06

Applicant: Joseph Adrian St. Ours ,  Mark Anthony Wingate ,  David Elliot Whitten ,  Jared David Kinson

Inventor： Joseph Adrian St. Ours ,  Mark Anthony Wingate ,  David Elliot Whitten ,  Jared David Kinson

IPC: B65H39/10

CPC classification number: B65H29/58 ,  B65H2301/4455 ,  B65H2301/4482 ,  B65H2403/73 ,  B65H2404/632 ,  B65H2404/652 ,  B65H2404/693 ,  B65H2511/11 ,  B65H2511/22 ,  B65H2511/514 ,  B65H2513/40 ,  B65H2555/24 ,  B65H2557/242 ,  G07F19/201 ,  B65H2220/03 ,  B65H2701/1311 ,  B65H2220/01 ,  B65H2220/02 ,  B65H2220/09

Abstract: An apparatus for diverting incoming printed products which includes a shaft, at least one first flipper mounted in a first fixed direction on the shaft, a motor coupled to the shaft; and a controller coupled to the motor for controlling positioning of the shaft to allowing printed products to be diverted along different paths associated with a particular shaft position. The apparatus further includes a low inertia coupler interconnected between the motor and the shaft. Alternatively, the apparatus includes a roll, a first motor coupled to the roll and a controller coupled to the first motor for controlling the rotation of the roller for diverting printed products along one of two different paths, each path associated with a direction of rotation of the roll. This alternative apparatus may also include a shaft with at least one flipper mounted thereon and a second motor coupled to the shaft.

Abstract translation: 一种用于转移进入的印刷产品的装置，其包括轴，至少一个第一固定方向安装在所述轴上的第一导板，耦合到所述轴的马达; 以及耦合到所述电动机的控制器，用于控制所述轴的定位，以允许印刷产品沿与特定轴位置相关联的不同路径转向。 该装置还包括在电机和轴之间互连的低惯性耦合器。 或者，该设备包括卷筒，耦合到卷筒的第一马达和耦合到第一马达的控制器，用于控制滚筒的转动，以沿着两个不同路径之一转向印刷产品，每个路径与旋转方向相关联 卷。 该替代装置还可以包括具有安装在其上的至少一个挡板的轴和连接到该轴的第二马达。

公开(公告)号：US20120132705A1

公开(公告)日：2012-05-31

申请号：US13305166

申请日：2011-11-28

Applicant: Peter Golüke ,  Andrea CAROZZI

Inventor： Peter Golüke ,  Andrea CAROZZI

IPC: G06K5/00 ,  G07F19/00

CPC classification number: G07F19/201 ,  G06F3/04886 ,  G06F21/31 ,  G06F21/34 ,  G06F21/82 ,  G07F7/1033

Abstract: The invention relates to a device (10) for reading magnetic stripe and/or chip cards, in particular bank cards, EC cards and /or credit cards. The device (10) comprises a display unit (14) and a touch module (16) arranged in front of this display unit for determining a position of a touch of a display area. Further, the device (10) has a security module (18) for controlling the display unit (14) and the touch module (16). The security module (18) transmits first data for displaying a keypad for entry of a PIN to the display unit (14). In response to a touch of the display area, the touch module (16) generates second data with information about the position of the touch, encrypts these data and transmits the encrypted data to the security module (18).

Abstract translation: 本发明涉及用于读取磁条和/或芯片卡，特别是银行卡，EC卡和/或信用卡的装置（10）。 设备（10）包括布置在该显示单元前面的显示单元（14）和触摸模块（16），用于确定显示区域的触摸位置。 此外，设备（10）具有用于控制显示单元（14）和触摸模块（16）的安全模块（18）。 安全模块（18）将用于显示用于输入PIN的小键盘的第一数据发送到显示单元（14）。 响应于显示区域的触摸，触摸模块（16）产生具有关于触摸位置的信息的第二数据，对这些数据进行加密，并将加密的数据发送到安全模块（18）。

公开(公告)号：US08186578B1

公开(公告)日：2012-05-29

申请号：US13136698

申请日：2011-08-08

Applicant: James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson

Inventor： James Block ,  H. Thomas Graef ,  Natarajan Ramachandran ,  Jeffery M. Enright ,  Dale H. Blackson

IPC: G06K19/06

CPC classification number: G07F19/201 ,  G06Q20/18 ,  G06Q20/3224 ,  G07F19/20 ,  G07F19/2055 ,  G07F19/207 ,  G07G3/003 ,  H04W4/021

Abstract: An automated banking machine transaction request is authorized based on a determined location of an authorized user relative to the machine. Identification of an authorized machine user is linked to a remotely locatable item (e.g., a cell phone) of the authorized user. A banking machine receiving the user identification causes the location of the cell phone to be determined. A comparison is then made of the cell phone location and the banking machine location. If the locations correspond, then the current machine user is recognized as the authorized user and machine transactions are permitted. If the locations do not correspond, then the current user is denied transactions at the banking machine. The security arrangement helps prevent an unauthorized person from using a fraudulent card to access a financial account.

Abstract translation: 基于授权用户相对于机器的确定位置来授权自动银行机交易请求。 授权机器用户的标识被链接到授权用户的可远程定位的项目（例如，蜂窝电话）。 接收用户标识的银行业务机构将确定手机的位置。 然后对手机位置和银行机器位置进行比较。 如果位置对应，则当前机器用户被识别为授权用户，并允许机器交易。 如果这些位置不对应，则当前用户在银行机器上被拒绝交易。 安全安排有助于防止未经授权的人员使用欺诈性卡片访问财务帐户。

公开(公告)号：US08181854B1

公开(公告)日：2012-05-22

申请号：US12183521

申请日：2008-07-31

Applicant: Amy Baker Folk ,  William Thomas Sanders ,  Daniel Christopher Bohen ,  Paul Martin Mattison ,  Shane Anthony Johnson

Inventor： Amy Baker Folk ,  William Thomas Sanders ,  Daniel Christopher Bohen ,  Paul Martin Mattison ,  Shane Anthony Johnson

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

CPC classification number: G07D11/0078 ,  G06Q30/0267 ,  G06Q30/06 ,  G06Q40/02 ,  G07F19/201

Abstract: A cash recycler or other currency handling device includes an integrated wireless modem. The wireless modem may be located within a housing of the cash recycler. The wireless modem may connect to a network via a network service provider account held by a retail store or other venue at which the cash recycler is located. Additionally or alternatively, the wireless modem may connect via a network access account held by the financial institution with which the cash recycler is communicating. The wireless modem may include various settings that may be configured and adjusted via the user interface of the cash recycler.

Abstract translation: 现金回收商或其他货币处理设备包括集成无线调制解调器。 无线调制解调器可以位于现金回收器的外壳内。 无线调制解调器可以经由零售商店或现金回收商所在的其他场所持有的网络服务提供商帐户连接到网络。 另外或替代地，无线调制解调器可以经由现金回收商正在通信的金融机构持有的网络接入帐户连接。 无线调制解调器可以包括可以经由现金回收器的用户界面来配置和调整的各种设置。

公开(公告)号：US08175974B2

公开(公告)日：2012-05-08

申请号：US12417322

申请日：2009-04-02

Applicant: Ryoichi Takahashi

Inventor： Ryoichi Takahashi

IPC: G06Q40/00 ,  G07D11/00 ,  G07F19/00 ,  G06K5/00

CPC classification number: G07F7/1008 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/342 ,  G06Q20/346 ,  G07F7/025 ,  G07F19/20 ,  G07F19/201

Abstract: In systems which execute transactions with an ATM using an IC card in which plural account information is registered in advance, one or more transaction information and intended use information indicating the intended uses of transactions to be executed by the ATM based on the transaction information are associated with each other and are registered as transaction data in the storage section of the IC card, so as to certainly prevent transactions or selections of accounts which are not intended by the user from being erroneously executed. Prior to the execution of transactions by the ATM, the transaction data is read out for the ATM and the intended use information included in the transaction data are displayed along with said transaction information included in the transaction data, in a transaction selection screen on the ATM.

Abstract translation: 在使用预先登记有多个账户信息的IC卡执行与ATM的交易的系统中，基于交易信息，指示由ATM执行的交易的预期用途的一个或多个交易信息和预期使用信息被关联 并且在IC卡的存储部分中登记为交易数据，以便确实地防止用户不希望的用户的交易或帐户的选择被错误地执行。 在通过ATM执行交易之前，ATM的交易数据被读出并且包括在交易数据中的预期使用信息与包括在交易数据中的交易信息一起显示在ATM上的交易选择屏幕中 。