公开(公告)号：US07861921B1

公开(公告)日：2011-01-04

申请号：US11825234

申请日：2007-07-05

Applicant: Klaus Steinbach ,  Ray Motz ,  Anne Doland ,  James Block ,  Paul D. Magee ,  Richard C. Lute ,  Donald S. Nelson ,  David A. Barker

Inventor： Klaus Steinbach ,  Ray Motz ,  Anne Doland ,  James Block ,  Paul D. Magee ,  Richard C. Lute ,  Donald S. Nelson ,  David A. Barker

IPC: G06F17/60

CPC classification number: G07F19/201 ,  G06Q20/042 ,  G06Q20/1085 ,  G06Q20/40 ,  G06Q40/00 ,  G07F19/20 ,  G07F19/205

Abstract: An automated banking machine (10) is operative to carry out financial transactions and includes a user interface (15). The user interface includes a card reader (16) which is operative to read data on user cards which identify user's financial accounts. A fascia of the machine includes a keypad (404, 438, 458) through which users input confidential data. Covers (400, 422, 430) prevent unauthorized persons from viewing confidential inputs to the keypad. Alternatively, movable panels (462, 464) are movable to prevent unauthorized viewing of confidential inputs. Alternatively a keypad cover is selectively collapsible to prevent digit access. A visual indicator is operative to indicate to a user that keypad inputs are being encrypted. Disinfecting techniques may be used to disinfect manual contact surfaces of the machine.

公开(公告)号：US07850074B2

公开(公告)日：2010-12-14

申请号：US11100060

申请日：2005-04-06

Applicant: Chris Henry

Inventor： Chris Henry

IPC: G06K5/00

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

Abstract: The invention allows for multiple card orientations and multiple card directions of travel 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: 本发明允许通过在POS终端卡阅读器轨道内使用多个相对的磁条阅读器头来实现多个卡方向和多个行进方向。 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：US20100306070A1

公开(公告)日：2010-12-02

申请号：US12786817

申请日：2010-05-25

Applicant: Kazumi TABUCHI ,  Ryoh Hamada

Inventor： Kazumi TABUCHI ,  Ryoh Hamada

IPC: G06Q40/00 ,  G06F21/00

CPC classification number: G07F19/201 ,  G06Q20/206 ,  G06Q20/209 ,  G06Q20/3221 ,  G07F19/20

Abstract: A print system allowing a user to obtain a transaction statement in a safe and easy manner is provided. For this purpose, a print system includes: a banking terminal; and a digital multi-function peripheral performing data communication with a Web server having transaction statement data and PIN code stored in association with each other, through an external network and an in-store network. The banking terminal is adapted to include an operation panel receiving a request from a user for an output of a transaction statement, and a PIN code generating unit and a receipt issuing unit for generating and outputting a PIN code in response to the received request. The digital multi-function peripheral is adapted to include an operation panel receiving the PIN code input by a user operation, a control unit obtaining transaction statement data corresponding to the received PIN code from the Web server, and a printer unit outputting a transaction statement based on the obtained transaction statement data.

Abstract translation: 提供允许用户以安全和容易的方式获得交易声明的打印系统。 为此，打印系统包括：银行终端; 以及数字多功能外围设备，通过外部网络和店内网络，与具有彼此相关联存储的交易对帐单数据和PIN码的Web服务器进行数据通信。 银行业务终端适于包括接收来自用户的用于输出交易陈述的请求的操作面板以及用于响应于接收到的请求生成和输出PIN码的PIN码生成单元和接收发行单元。 数字多功能外围设备适于包括接收通过用户操作输入的PIN码的操作面板，从Web服务器获取与接收到的PIN码对应的交易声明数据的控制单元，以及输出基于交易对帐单的打印机单元 对获得的交易报表数据。

公开(公告)号：US07828646B2

公开(公告)日：2010-11-09

申请号：US11240486

申请日：2005-10-03

Applicant: Thedfred E. Franks, Jr.

Inventor： Thedfred E. Franks, Jr.

IPC: G06F17/00

CPC classification number: G06Q40/02 ,  G06Q30/02 ,  G07F17/32 ,  G07F17/3227 ,  G07F17/3239 ,  G07F17/3251 ,  G07F17/42 ,  G07F19/201

Abstract: A casino all-in-one kiosk includes a card issuing unit that enables self service registration and dispensing of casino loyalty cards, in addition to cash-dispensing, and ticket redemption functions. The kiosk may also be adapted to provide ancillary services such as hotel check-in/check-out, reservations and ticketing, and coupon printing, and may further be integrated with a financial services network to provide banking and credit card services.

Abstract translation: 一个赌场一体机包括一个卡发行单元，除了现金分配和票务兑换功能之外，还能够实现赌场会员卡的自助注册和分配。 信息亭也可以适用于提供诸如酒店入住/退房，预订和票务以及优惠券打印等辅助服务，并且还可以与金融服务网络集成以提供银行和信用卡服务。

公开(公告)号：US07822684B2

公开(公告)日：2010-10-26

申请号：US11185847

申请日：2005-07-21

Applicant: William S. Rielly ,  Leslie D. Erlich ,  Ravi Acharya ,  Dmitry Goldman

Inventor： William S. Rielly ,  Leslie D. Erlich ,  Ravi Acharya ,  Dmitry Goldman

IPC: G06Q40/00

CPC classification number: G07F7/1016 ,  G06Q20/1085 ,  G06Q20/4014 ,  G06Q30/0207 ,  G07F19/20 ,  G07F19/201

Abstract: A system and method is provided for an ATM having a display, a logic server coupled to the display, and a memory coupled to the logic server. The logic server dynamically controls the functions available to the users including messages and coupons. A host contains a profile of a user. The memory, which is accessible to the logic server, may contain a profile of at least one user. A user card may contain a profile of the user. In operation, the ATM detects the a user's card and requests the profile of the user whose card was detected from a host. The ATM then receives the user's profile and stores the user's profile in the ATM. The system and method also provides a cardless ATM in which a user logs on without a card. Additionally, system and method also provides ATM services via a personal device.

Abstract translation: 提供了一种用于具有显示器的ATM的系统和方法，耦合到显示器的逻辑服务器和耦合到逻辑服务器的存储器。 逻辑服务器动态地控制用户可用的功能，包括消息和优惠券。 主机包含用户的配置文件。 逻辑服务器可访问的存储器可以包含至少一个用户的简档。 用户卡可以包含用户的简档。 在操作中，ATM检测用户的卡，并从主机请求检测到卡的用户的简档。 ATM然后接收用户的配置文件并将用户的配置文件存储在ATM中。 该系统和方法还提供一张无卡ATM，用户登录时不用卡。 此外，系统和方法还通过个人设备提供ATM服务。

公开(公告)号：US20100241564A1

公开(公告)日：2010-09-23

申请号：US12800878

申请日：2010-05-25

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

Inventor： 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: G06Q40/00

CPC classification number: 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

Abstract: 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.

Abstract translation: 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：US07793828B2

公开(公告)日：2010-09-14

申请号：US11787430

申请日：2007-04-16

Applicant: James Booth ,  Natarajan Ramachandran ,  Richard Lute, Jr. ,  Zachary Utz

Inventor： James Booth ,  Natarajan Ramachandran ,  Richard Lute, Jr. ,  Zachary Utz

IPC: B65D19/44 ,  E05G1/04

CPC classification number: G07F19/201 ,  G07F19/20 ,  G07F19/205

Abstract: A cash dispensing automated banking machine, such as an ATM, has leveling legs. The legs are also used to fasten the ATM to a shipping pallet. Each leg has a support foot and an opposite free end. The free end is inserted through an opening in an intermediate shipping plate. With the shipping plate situated between the foot and the ATM underside, the free end is screwed into an underside opening. The leg is rotated until the plate is raised to be secure against the underside. The plate is then set on the pallet and fastened thereto by lag screws. The pallet includes horizontally adjustable stabilizing feet at sides thereof. The pallet feet can be extended outward to decrease the ability of a supported ATM to tip over. When not needed, such as during pallet storage, the feet can be retracted inward to reduce pallet size.

Abstract translation: 自动付款自动银行机，如ATM，具有调平的腿。 腿也用于将ATM紧固到运输托盘。 每条腿都有支撑脚和相对的自由端。 自由端通过中间运输板中的开口插入。 随着运输板位于脚和ATM下侧之间，自由端拧入下侧开口。 旋转腿直到板升起以固定在下侧。 然后将板放在托盘上并用拉力螺钉固定。 托盘在其侧面包括水平调节的稳定脚。 托盘脚可以向外延伸，以降低支撑的自动柜员机翻倒的能力。 当不需要时，例如在托盘存放期间，脚可以向内缩回以减小托盘尺寸。

公开(公告)号：US20100187299A1

公开(公告)日：2010-07-29

申请号：US12661937

申请日：2010-03-26

Applicant: James Block ,  Steven Shepley

Inventor： James Block ,  Steven Shepley

IPC: G07F19/00 ,  G06K5/00

CPC classification number: G07F19/20 ,  G07F19/201 ,  G07F19/203 ,  G07F19/206 ,  G07F19/209 ,  G07F19/21

Abstract: An automated banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that operates to read card data from user cards. The card data corresponds to financial accounts. The automated banking machine includes a cash dispenser and the machine carries out transaction functions for consumers including dispensing cash responsive to. The amount of cash dispensed is verified through communication with a security manager.

Abstract translation: 自动银行业务机构响应于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，用于从用户卡读取卡片数据。 卡数据对应于财务账户。 自动银行机包括自动取款机，并且机器对消费者执行交易功能，包括响应分配现金。 通过与安全经理的沟通来验证现金分配的金额。

公开(公告)号：US07762454B2

公开(公告)日：2010-07-27

申请号：US11505612

申请日：2006-08-17

Applicant: James Block ,  Steven Shepley

Inventor： James Block ,  Steven Shepley

IPC: G07D11/00

CPC classification number: G07F19/20 ,  G07F19/201 ,  G07F19/203 ,  G07F19/206 ,  G07F19/209 ,  G07F19/21

Abstract: An automated transaction machine including an extensions for financial services (XFS) layer is provided. An application interface portion of the XFS software layer is operative to communicate with an application software layer of the ATM which may include terminal applications. A hardware interface portion of the XFS software layer is operative to communicate with a hardware layer of the ATM which may include hardware devices of the ATM and associates service providers. A diagnostic application is operative to determine whether problems exists in the application software layer or the hardware layer of the ATM by causing a plurality of hardware devices to perform predefined operations using the XFS software layer and by monitoring the operations. The diagnostic application is operative to output a determination as to whether a problem with the ATM is associated with the components of the application or hardware layers of the ATM responsive to the success or failure of the operations.

Abstract translation: 提供了包括金融服务扩展（XFS）层的自动交易机器。 XFS软件层的应用接口部分可操作以与可能包括终端应用的ATM的应用软件层进行通信。 XFS软件层的硬件接口部分可操作以与ATM的硬件层进行通信，该硬件层可以包括ATM的硬件设备并与服务提供商相关联。 诊断应用程序用于通过使多个硬件设备使用XFS软件层执行预定义操作并通过监视操作来确定应用软件层或ATM的硬件层中是否存在问题。 该诊断应用可操作以响应于操作的成功或失败输出关于ATM的问题是否与ATM的应用或硬件层的组件相关联的确定。

公开(公告)号：US07757102B2

公开(公告)日：2010-07-13

申请号：US10583571

申请日：2004-12-16

Applicant: Michel Leger ,  Alain Rhelimi

Inventor： Michel Leger ,  Alain Rhelimi

IPC: G06F21/04

CPC classification number: G07F19/201 ,  G06Q20/1085 ,  G07F7/08 ,  G07F7/0833 ,  G07F19/20 ,  G07F19/206

Abstract: A secure terminal comprises: primary means consisting of processing means, data and program storage means, security means and data input means, wherein the components of the primary means are interconnected by a first data bus; peripheral means consisting of printing means, means for reading from/writing to a card and means for accessing a telecommunications network, wherein the components of the peripheral means are interconnected by a second data bus; and power supply means connected to the primary and peripheral means. The primary means arc grouped in a main housing that cannot be dismantled without damaging at least one of the components of the primary means, and the peripheral means are grouped in at least one housing capable of being connected to the main housing.

Abstract translation: 安全终端包括：由处理装置，数据和程序存储装置，安全装置和数据输入装置组成的主要装置，其中主装置的部件通过第一数据总线相互连接; 由打印装置组成的外围装置，用于从卡读取/写入的装置和用于访问电信网络的装置，其中外围装置的组件通过第二数据总线相互连接; 以及连接到主要和外围装置的电源装置。 主要装置弧形组合在主壳体中，不会在不损坏主要装置的至少一个部件的情况下拆卸，并且外围装置被分组在能够连接到主壳体的至少一个壳体中。