公开(公告)号：US07967192B1

公开(公告)日：2011-06-28

申请号：US11985035

申请日：2007-11-13

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：US20110145144A1

公开(公告)日：2011-06-16

申请号：US12932127

申请日：2011-02-17

Applicant: Jay Paul Drummond ,  Bob A. Cichon ,  Mark D. Smith ,  David Weis

Inventor： Jay Paul Drummond ,  Bob A. Cichon ,  Mark D. Smith ,  David Weis

IPC: G06Q40/00 ,  G07F19/00

CPC classification number: G07F19/211 ,  G06Q20/027 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q40/00 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/201 ,  G07F19/206 ,  H04L67/02

Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

公开(公告)号：US07959072B1

公开(公告)日：2011-06-14

申请号：US12459187

申请日：2009-06-26

Applicant: Randall W. Jenkins ,  Vincent L. Owens ,  Gregory Fockler ,  Jerry Cox ,  Tom Ertle ,  Dave Krzic ,  Steven Shepley ,  Nick Billett ,  Victor A. Cogan ,  Willis Miller ,  Mike R. Ryan ,  Tim Crews ,  Natarajan Ramachandran

Inventor： Randall W. Jenkins ,  Vincent L. Owens ,  Gregory Fockler ,  Jerry Cox ,  Tom Ertle ,  Dave Krzic ,  Steven Shepley ,  Nick Billett ,  Victor A. Cogan ,  Willis Miller ,  Mike R. Ryan ,  Tim Crews ,  Natarajan Ramachandran

IPC: G06K5/00 ,  G06F17/00 ,  G06Q40/00

CPC classification number: G07F19/201 ,  B65H7/02 ,  B65H7/20 ,  B65H29/20 ,  G06Q20/1085 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/202 ,  G07F19/205 ,  G07G5/00

Abstract: An automatic banking machine operates responsive to data bearing records. The machine includes a card reader for reading user cards, and at least one of a note acceptor and a cash dispenser. The automated banking machine carries out financial transfers related to user accounts based on information read from cards. The automated banking machine provides a printed receipt for transactions conducted. The machine carries out transactions when operatively connected to a source of power and a transaction network. The machine also carries out functions to control the power status of devices in the machine.

Abstract translation: 自动银行业务响应于数据记录记录。 该机器包括用于读取用户卡的读卡器，以及音符接受器和自动提款机中的至少一个。 自动银行机器根据从卡读取的信息执行与用户账户相关的财务转账。 自动银行机器为进行的交易提供打印收据。 当机器可操作地连接到电源和交易网络时，机器执行交易。 该机还执行功能来控制机器中设备的电源状态。

公开(公告)号：US20110125640A1

公开(公告)日：2011-05-26

申请号：US12931266

申请日：2011-01-27

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

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

IPC: G06Q40/00 ,  G07F19/00

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 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 (322) operative to conduct transactions including cash dispensing for users responsive to data read from user cards and through communication with a transaction host (336). The machine is also operative to provide output signals which drive external displays (328, 330). A machine processor is operative to cause the machine to receive visual and/or audio content from content sources (342, 343) and to store data corresponding to the content. The content is then output through the external displays.

公开(公告)号：US20110089231A1

公开(公告)日：2011-04-21

申请号：US12928711

申请日：2010-12-17

Applicant: Robert V. Artino ,  Rodney J. Reese ,  Michael A. Meffie ,  J. Richard Hanna ,  Randall W. Jenkins ,  Mark A. DePietro ,  Steven R. Davis

Inventor： Robert V. Artino ,  Rodney J. Reese ,  Michael A. Meffie ,  J. Richard Hanna ,  Randall W. Jenkins ,  Mark A. DePietro ,  Steven R. Davis

IPC: G07F19/00 ,  B65D90/00

CPC classification number: G07F19/20 ,  G06Q20/1085 ,  G06Q20/327 ,  G07D1/00 ,  G07D11/0018 ,  G07D11/0081 ,  G07D11/0087 ,  G07D11/0096 ,  G07F19/201 ,  G07F19/202 ,  G07F19/207

Abstract: 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 is in connection with a card reader operative to read data corresponding to financial accounts from user cards. The apparatus further includes an RFID reading device that is operative to read signals from RFID tags to obtain deposit information therefrom. The information can include data associated with of the deposit, such as an account number and the deposit amount. The information can include cash value. A computer is operative to credit a financial account for value associated with deposit items responsive to data read by the card reader and/or RFID reading device.

Abstract translation: 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。 存款接收机与读卡器相关联，读卡器用于从用户卡读取对应于财务帐户的数据。 该装置还包括RFID读取装置，其可操作以从RFID标签读取信号以从其获得存储信息。 信息可以包括与存款相关联的数据，例如帐号和存款金额。 信息可以包括现金价值。 计算机可操作地响应于读卡器和/或RFID读取装置所读取的数据，向金融账户记账与存款项目相关的价值。

公开(公告)号：US07926712B2

公开(公告)日：2011-04-19

申请号：US12803167

申请日：2010-06-21

Applicant: Mark R. Schlabach ,  James Meek ,  Damon J. Blackford ,  Robert W. Barnett ,  Joseph P. Newman ,  Paul Mercina ,  Steven Shepley ,  Glenda Griswold ,  Christyan Moauro ,  Nick Billett

Inventor： Mark R. Schlabach ,  James Meek ,  Damon J. Blackford ,  Robert W. Barnett ,  Joseph P. Newman ,  Paul Mercina ,  Steven Shepley ,  Glenda Griswold ,  Christyan Moauro ,  Nick Billett

IPC: G06K13/04

CPC classification number: G07F19/20 ,  G06Q10/06 ,  G06Q20/1085 ,  G06Q30/0207 ,  G07F19/201 ,  G07F19/206 ,  G07F19/207

Abstract: An automated banking machine includes a cash dispenser. Servicing the automated banking machine by on-site servicer is facilitated through use of a portable diagnostic article which can instruct the machine computer to gather machine diagnostic data and then record the gathered machine diagnostic data onto the portable diagnostic article. The gathered diagnostic data recorded on the portable diagnostic article can then be analyzed by an analysis computer. The machine computer can verify that a portable diagnostic article is authorized to instruct the machine based on obtaining a secret code from the portable diagnostic article.

Abstract translation: 自动银行机包括自动提款机。 通过使用可指示机器计算机收集机器诊断数据，然后将所收集的机器诊断数据记录到便携式诊断用品上的便携式诊断物品，便于通过现场服务人员对自动银行机器进行维修。 记录在便携式诊断用品上的收集的诊断数据可以由分析计算机分析。 机器计算机可以基于从便携式诊断用品获得密码来验证便携式诊断用品是否被授权指示机器。

公开(公告)号：US07926711B2

公开(公告)日：2011-04-19

申请号：US12546099

申请日：2009-08-24

Applicant: Robert Cameron Taylor ,  Jeffrey J. Pilarcik

Inventor： Robert Cameron Taylor ,  Jeffrey J. Pilarcik

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

CPC classification number: G07F19/201 ,  G06Q20/10 ,  G06Q20/1085 ,  G06Q20/20 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0215 ,  G06Q30/0224 ,  G06Q30/0225 ,  G06Q30/0269 ,  G07F19/20

Abstract: Systems and methods of attracting and retaining customers of a Banking institution through an incentive program is disclosed, comprising: operating a promotional program, comprising the dispensing of a indicia redeemable for a prize, and wherein the dispensing of the indicia is accomplished through the use of an automated teller machine (ATM); and operating a rewards program, wherein upon a customer completing a triggering behavior, a specified reward is granted to the customer. Systems and methods of operating a promotional program for customers of a Banking institution is also disclosed, wherein the method comprises dispensing a indicia redeemable for a prize, and wherein the dispensing of the indicia is accomplished through the use of an automated checking machine (ATM).

Abstract translation: 披露了通过激励计划吸引和留住银行机构的客户的系统和方法，包括：执行促销计划，包括分发可赎回的奖品的标记，其中标记的分配是通过使用 自动取款机（ATM）; 并且操作奖励计划，其中在客户完成触发行为时，向客户授予指定的奖励。 还公开了为银行机构的客户操作促销计划的系统和方法，其中所述方法包括分配可兑换的奖品的标记，并且其中所述标记的分配通过使用自动检查机（ATM） 。

公开(公告)号：US20110079645A1

公开(公告)日：2011-04-07

申请号：US12966496

申请日：2010-12-13

Applicant: Chris Henry

Inventor： Chris Henry

IPC: G06Q90/00 ,  G06K5/00

CPC classification number: G07F19/201 ,  G06K7/0004 ,  G06K2017/0067 ,  G06Q20/20 ,  G07F7/08 ,  G07F7/0886 ,  G07G1/0018

Abstract: The invention provides increased convenience through use of multiple opposed magnetic stripe reader heads within a POS terminal card reader track. In one embodiment, the various opposed heads are offset along the card reader track. The POS terminal also accommodates smart card and contactless instrument readers and includes features for electronic signature capture, user display interaction, multi-tasking capabilities, check reading and age and identity verification.

Abstract translation: 本发明通过在POS终端卡阅读器轨道内使用多个相对的磁条阅读器头来提供更大的便利。 在一个实施例中，各个相对的头部沿读卡器轨道偏移。 POS终端还配备智能卡和非接触式仪器读取器，包括电子签名捕获，用户显示交互，多任务功能，检查阅读和年龄和身份验证的功能。

公开(公告)号：US07891554B2

公开(公告)日：2011-02-22

申请号：US12380105

申请日：2009-02-23

Applicant: H. Thomas Graef ,  William D. Beskitt ,  Damon J. Blackford ,  Dale Blackson ,  Robert Bowser ,  Keith A. Drescher ,  Jeffrey Eastman ,  Matthew Force ,  Sean Haney ,  Michael Harty ,  Dale Horan ,  Andrew Junkins ,  Edward L. Laskowski ,  Ashok Modi ,  Mark Owens ,  Mike Ryan ,  Bill Schadt ,  David Schultz ,  Mike Theriault ,  Mark D. Smith

Inventor： H. Thomas Graef ,  William D. Beskitt ,  Damon J. Blackford ,  Dale Blackson ,  Robert Bowser ,  Keith A. Drescher ,  Jeffrey Eastman ,  Matthew Force ,  Sean Haney ,  Michael Harty ,  Dale Horan ,  Andrew Junkins ,  Edward L. Laskowski ,  Ashok Modi ,  Mark Owens ,  Mike Ryan ,  Bill Schadt ,  David Schultz ,  Mike Theriault ,  Mark D. Smith

IPC: G06Q40/00

CPC classification number: G07D7/12 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/40 ,  G06Q40/00 ,  G07D7/20 ,  G07D11/0003 ,  G07D11/0021 ,  G07D11/0066 ,  G07F19/20 ,  G07F19/201 ,  G07F19/202 ,  G07F19/203 ,  Y10S209/942

Abstract: An automated banking machine (10) identifies and stores documents such as currency bills deposited by a user. The machine then selectively recovers documents from storage and dispenses them to other users. The machine includes a central transport (70) wherein documents deposited in a stack are unstacked, oriented, and identified. Such documents are then routed to storage areas in recycling canisters (92, 94, 96, 98). When a user subsequently requests a dispense, documents stored in the storage areas are selectively picked therefrom and delivered to the user through an input/output area (50) of the machine. The control system (30) for the machine includes a terminal processor (548). Identification devices identify the type and character of a document, and distinguish genuine documents, such as genuine currency bills, from unidentifiable or suspect documents.

Abstract translation: 自动银行机（10）识别和存储由用户存放的诸如货币单据等文件。 然后，机器选择性地从存储器中恢复文档并将其分发给其他用户。 该机器包括中央传送器（70），其中堆放在堆叠中的文件被拆包，定向和识别。 然后将这些文件送到回收罐（92,94,96,98）中的存储区域。 当用户随后请求分发时，存储在存储区域中的文档被选择性地从中提取并通过机器的输入/输出区域（50）传递给用户。 用于机器的控制系统（30）包括终端处理器（548）。 识别设备识别文档的类型和特征，并将真实的货币单据（例如真正的货币单据）从不可识别的或可疑的文件中区分开来。

公开(公告)号：US07870498B2

公开(公告)日：2011-01-11

申请号：US11048345

申请日：2005-01-31

Applicant: Jay Paul Drummond ,  Bob A. Cichon ,  David Weis ,  James R. Church ,  Mikal R. Gilger ,  Jagadesh Myana ,  Todd Blakeslee ,  Aravind Dongara ,  Mark A. Moales ,  Randhika Bodapatla

Inventor： Jay Paul Drummond ,  Bob A. Cichon ,  David Weis ,  James R. Church ,  Mikal R. Gilger ,  Jagadesh Myana ,  Todd Blakeslee ,  Aravind Dongara ,  Mark A. Moales ,  Randhika Bodapatla

IPC: G06F3/048 ,  G06F9/44

CPC classification number: G07F19/201 ,  G06F8/34 ,  G06Q20/105 ,  G06Q20/108 ,  G06Q20/1085 ,  G07F19/20 ,  G07F19/206 ,  G07F19/207

Abstract: A method for visual programming an automated transaction machine (12). The method includes the creation of terminal directors (225) that generally correspond to transactions performed by the automated transaction machine. The terminal directors are programmed by visually creating associations (238) between a plurality of ATM objects (230, 232) in a work space (224). Exemplary ATM objects include an authorization object (260), a back stage control object (262), a card reader object (264), a customer profile object (266), a depositor object (268), a dispenser object (270), keypad object (272), a logic object (274), a OCS object (276), a presenter object (278), a PIN entry object (280), a printer object (282), a sync object (284), and a transaction data object (286). A portion of the exemplary ATM objects are operative to interface with a device interface layer (728) for communicating with physical hardware devices (724, 726).

Abstract translation: 一种用于可视化编程自动交易机器（12）的方法。 该方法包括创建通常对应于由自动交易机器执行的交易的终端指令（225）。 通过在工作空间（224）中的多个ATM对象（230,232）之间可视地创建关联（238）来编程终端指导。 示例性ATM对象包括授权对象（260），后台控制对象（262），读卡器对象（264），客户简档对象（266），存储对象（268），分配器对象（270） 键盘对象（272），逻辑对象（274），OCS对象（276），演示者对象（278），PIN输入对象（280），打印机对象（282），同步对象（284） 交易数据对象（286）。 示例性ATM对象的一部分可操作以与用于与物理硬件设备（724,726）通信的设备接口层（728）接口。