公开(公告)号：US20090313106A1

公开(公告)日：2009-12-17

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: G06Q30/00 ,  G06Q40/00 ,  G06Q10/00

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：US07624919B2

公开(公告)日：2009-12-01

申请号：US11360036

申请日：2006-02-21

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: An exemplary system includes an ATM (322) which is operative to conduct transactions including cash dispensing for users responsive to communication with a transaction host (336). The ATM is also operative to provide output signals which drive external displays (328, 330) which are separate from the ATM. The processor in the ATM is also operative to cause the ATM to receive visual and/or audio content from one or more content sources (342, 343) and to store data corresponding to such content in the ATM. Such content is then output through the external displays. The ATM is also operative to receive and store a plurality of advertising messages. The advertising messages are output in a targeted manner to users of the ATM.

Abstract translation: 示例性系统包括ATM（322），其可操作以进行交易，包括响应于与交易主机的通信的用户的现金分配（336）。 ATM还可以提供驱动与ATM分开的外部显示器（328,330）的输出信号。 ATM中的处理器还可操作以使ATM从一个或多个内容源（342,343）接收视频和/或音频内容，并将对应于这些内容的数据存储在ATM中。 然后通过外部显示器输出这样的内容。 ATM还可以接收和存储多个广告消息。 广告消息以有针对性的方式输出到ATM的用户。

公开(公告)号：US07600677B2

公开(公告)日：2009-10-13

申请号：US11982241

申请日：2007-10-31

Applicant: David M. Barcelou

Inventor： David M. Barcelou

IPC: G06K5/00

CPC classification number: G06Q20/18 ,  G06Q20/102 ,  G06Q20/1085 ,  G06Q20/40 ,  G06Q30/06 ,  G07F17/0014 ,  G07F17/32 ,  G07F17/3255 ,  G07F19/20 ,  G07F19/201 ,  G07F19/206

Abstract: An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc.

公开(公告)号：US07597251B2

公开(公告)日：2009-10-06

申请号：US11982024

申请日：2007-10-31

Applicant: David M. Barcelou

Inventor： David M. Barcelou

IPC: G06Q40/00

CPC classification number: G06Q20/18 ,  G06Q20/102 ,  G06Q20/1085 ,  G06Q20/40 ,  G06Q30/06 ,  G07F17/0014 ,  G07F17/32 ,  G07F17/3255 ,  G07F19/20 ,  G07F19/201 ,  G07F19/206

Abstract: An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc.

公开(公告)号：US07590598B2

公开(公告)日：2009-09-15

申请号：US11003821

申请日：2004-12-03

Applicant: Jay Paul Drummond ,  Dale Blackson ,  Bob A. Cichon ,  Joseph C. Ess ,  Mark A. Moales ,  David W. Weis ,  Mark D. Smith ,  James Church

Inventor： Jay Paul Drummond ,  Dale Blackson ,  Bob A. Cichon ,  Joseph C. Ess ,  Mark A. Moales ,  David W. Weis ,  Mark D. Smith ,  James Church

IPC: G06Q40/00 ,  G06K5/00

CPC classification number: G06F3/023 ,  G06F3/04895 ,  G06F17/30861 ,  G06Q20/00 ,  G06Q20/042 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/18 ,  G06Q20/202 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/00 ,  G07F19/20 ,  G07F19/201 ,  G07F19/206 ,  G07F19/211 ,  H04L29/06 ,  H04L63/0853 ,  H04L63/0861 ,  H04L63/12 ,  H04L67/02 ,  H04L67/12 ,  H04L67/2814 ,  H04L67/2823 ,  H04L67/2842 ,  H04L67/34 ,  H04L69/329 ,  H04L69/40

Abstract: An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16), as well as in response to messages exchanged with foreign servers (20, 22, 24, 26, 28, 96) in a wide area network (18). The banking machine includes a computer (34) having an HTML document handling portion (76, 80, 82). The HTML document handling portion is operative to communicate through a proxy server (88), with a home HTTP server (90) in the intranet or the foreign servers in the wide area network. The computer further includes a device application portion (84) which interfaces with the HTML document handling portion and dispatches messages to operate devices (36) in the automated banking machine. The devices include a sheet dispenser mechanism (42) which dispenses currency as well as other transaction devices.

Abstract translation: 自动银行机（12）可操作以响应于通过内联网（16）与本地计算机系统（14）交换的HTML文档和TCP / IP消息以及响应于与外部服务器交换的消息进行交易（ 20,22,24,26,28,96）在广域网（18）中。 银行机包括具有HTML文档处理部分（76,80,82）的计算机（34）。 HTML文档处理部分可操作以通过代理服务器（88）与内联网中的家庭HTTP服务器（90）或广域网中的外部服务器进行通信。 计算机还包括与HTML文档处理部分接口并发送消息以操作自动银行机器中的设备（36）的设备应用部分（84）。 这些装置包括分配货币以及其他交易装置的纸张分配机构（42）。

公开(公告)号：US20090228362A1

公开(公告)日：2009-09-10

申请号：US12467181

申请日：2009-05-15

Applicant: Philip D. Lapsley ,  Jonathan Alexander Lee ,  David Ferrin Pare, JR. ,  Ned Hoffman

Inventor： Philip D. Lapsley ,  Jonathan Alexander Lee ,  David Ferrin Pare, JR. ,  Ned Hoffman

IPC: G06Q20/00 ,  G06Q30/00

CPC classification number: H04L63/04 ,  G01F19/005 ,  G06F21/32 ,  G06F21/554 ,  G06F21/83 ,  G06F21/86 ,  G06F2211/008 ,  G06F2221/2117 ,  G06K9/00087 ,  G06K9/6255 ,  G06Q20/00 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/0855 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/12 ,  G06Q20/18 ,  G06Q20/341 ,  G06Q20/367 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q20/40145 ,  G06Q20/4097 ,  G06Q30/02 ,  G06Q40/00 ,  G07C9/00134 ,  G07C9/00158 ,  G07F7/1008 ,  G07F11/002 ,  G07F19/201 ,  G07F19/207 ,  H04L63/0428 ,  H04L63/0442 ,  H04L63/083 ,  H04L63/0861 ,  H04L63/123 ,  H04L2463/102

Abstract: A method and device enables tokenless authorization of an electronic payment between a payor and a payee using an electronic identicator and a payor bid biometric sample. The payor registers with a registration biometric sample, and a payor financial account identifier. The payee registers a payee identification data with the electronic identicator. A payee bid identification data and a payor bid biometric sample are electronically forwarded to the identicator. The bid biometric sample is compared with registered biometric samples and the payee's bid identification data is compared with a payee's registered identification data for a successful or failed identifications of the payor and payee. If successful, an electronic financial transaction is then formed comprising a transaction amount and a payor financial account identifier. Loyalty or reward information stored in the database at the DPC is automatically transmitted back to the PIA along with any financial account information.

Abstract translation: 一种方法和装置使得能够使用电子标识符和付费者投标生物特征样本对付款人和收款人之间的电子支付进行无凭证授权。 付款人注册注册生物特征样本和付款人金融帐户标识。 收款人向电子识别器注册收款人识别数据。 收款人出价识别数据和付款人出价生物特征样本以电子方式转发给识别者。 将投标生物特征样本与注册的生物特征样本进行比较，并将收款人的投标标识数据与收款人的注册识别数据进行比较，以确定付款人和收款人的成功或失败的标识。 如果成功，则形成包括交易金额和支付者金融账户标识符的电子金融交易。 存储在DPC数据库中的忠诚度或奖励信息将自动传送回PIA以及任何财务帐户信息。

公开(公告)号：US07571850B2

公开(公告)日：2009-08-11

申请号：US11981966

申请日：2007-10-31

Applicant: David M. Barcelou

Inventor： David M. Barcelou

IPC: G07D11/00

CPC classification number: G06Q20/18 ,  G06Q20/102 ,  G06Q20/1085 ,  G06Q20/40 ,  G06Q30/06 ,  G07F17/0014 ,  G07F17/32 ,  G07F17/3255 ,  G07F19/20 ,  G07F19/201 ,  G07F19/206

Abstract: An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc.

公开(公告)号：US07559480B2

公开(公告)日：2009-07-14

申请号：US11190845

申请日：2005-07-28

Applicant: Yung-Chuan Wu

Inventor： Yung-Chuan Wu

IPC: G06K19/00 ,  G03G15/00

CPC classification number: G07F19/201 ,  G07F17/42

Abstract: A method and a device are provided for printing value-added information onto a continuous printing medium. The continuous printing medium comprises the first printing medium connected with the second printing medium. The first printing medium has the first transaction information area and a first value-added information area. The second printing medium has the second transaction information area and the second value-added information area. The first transaction information area, the first value-added information, the second transaction information area and the second value-added information area are aligned sequentially. The printing method comprises the steps of firstly printing the first transaction data and the value-added information respectively onto the first transaction information area and the second value-added information area, and secondly, moving the continuous printing medium. And the last step is to print the first the second transaction data onto the second transaction information area.

Abstract translation: 提供了一种用于将附加值信息打印到连续打印介质上的方法和装置。 连续打印介质包括与第二打印介质连接的第一打印介质。 第一打印介质具有第一交易信息区域和第一增值信息区域。 第二打印介质具有第二交易信息区域和第二增值信息区域。 第一交易信息区域，第一增值信息，第二交易信息区域和第二增值信息区域依次排列。 打印方法包括首先将第一交易数据和增值信息分别打印到第一交易信息区域和第二增值信息区域上的步骤，其次移动连续打印介质。 最后一步是将第一个交易数据打印到第二个交易信息区域。

公开(公告)号：US07559459B2

公开(公告)日：2009-07-14

申请号：US10523646

申请日：2003-08-04

Applicant: Alfred Schmidt ,  Karl-Heinz Strasser ,  Dirk Schelling ,  Thomas Rauch

Inventor： Alfred Schmidt ,  Karl-Heinz Strasser ,  Dirk Schelling ,  Thomas Rauch

IPC: G07D11/00

CPC classification number: G07F19/20 ,  G07D11/0006 ,  G07F9/06 ,  G07F19/201

Abstract: A method for filling ATM cassettes for automatic teller machines in branch banks provides to fill the empty or half-empty money cassette removed from the automatic teller machine of a branch bank in a mobile charging station during the drive to the next branch bank and to exchange such a money cassette for the empty or half-empty ATM cassette of this next branch bank, etc. The mobile charging station is adapted to work fully automatically. Alternatively, the filling in the mobile charging station can be effected partially manually.

Abstract translation: 一种用于在分支银行中为自动取款机填充ATM盒的方法，用于在驱动到下一个分支银行期间填充从移动充电站中的分支机构的自动取款机中取出的空的或半空的货币盒，并交换 这种用于该下一个分支银行的空或半空ATM卡的这种货币盒式磁带等。移动充电站适于完全自动工作。 或者，可以部分手动地进行移动充电站中的填充。

公开(公告)号：US07556259B2

公开(公告)日：2009-07-07

申请号：US11800535

申请日：2007-05-07

Applicant: H. Thomas Graef ,  Zachary Utz ,  Daniel P. Schoeffler ,  Shawn Griggy ,  Natarajan Ramachandran

Inventor： H. Thomas Graef ,  Zachary Utz ,  Daniel P. Schoeffler ,  Shawn Griggy ,  Natarajan Ramachandran

IPC: B65H3/52

CPC classification number: G07D11/0003 ,  B65H3/5246 ,  B65H3/5284 ,  B65H2404/1316 ,  B65H2404/1415 ,  B65H2404/5311 ,  B65H2701/1912 ,  G06Q20/042 ,  G06Q20/0425 ,  G06Q20/18 ,  G07D11/0018 ,  G07D11/0081 ,  G07D11/009 ,  G07F19/20 ,  G07F19/201 ,  G07F19/202 ,  G07F19/205

Abstract: An automated banking machine (10) includes a cash dispenser (220). A machine user interface (15) includes a card reader (16), receipt printer opening (30), and cash dispensing opening (38). A cash acceptor mechanism (80) includes a chute (82) which enables a user to input a stack of currency notes (84) into the machine through a deposit opening (40). Notes are separated from an inputted stack via a note picker device (158, 352) and a note stripper device (64, 162, 354). Upon sensing multiple notes have been picked, picker device movement is reversed to function with the stripper device in returning notes toward the stack. The stripper device is driven to move a note engaged therewith at a faster rate or for a longer time period relative to a note engaged with the picker device to reorient returning notes to facilitate a subsequent note separation attempt.

Abstract translation: 自动银行机（10）包括自动提款机（220）。 机器用户界面（15）包括读卡器（16），收据打印机开口（30）和现金分配开口（38）。 现金接受器机构（80）包括滑槽（82），该滑槽能够使用户通过存款开口（40）将一沓纸币（84）输入机器。 笔记通过纸币拾取装置（158,352）和纸币剥离装置（64,162,354）与输入的纸币分离。 在检测到多个纸币已经被拾取之后，拾取器装置的移动被反转，以便在向纸张返回钞票时剥离装置起作用。 驱动汽提器装置以相对于与拾取装置接合的钞票更快的速率或更长的时间段移动与其接合的纸币，以重新调整返回纸币以便于随后的纸币分离尝试。