公开(公告)号：US08505814B1

公开(公告)日：2013-08-13

申请号：US13735393

申请日：2013-01-07

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

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

IPC: G07F19/00

CPC classification number: G07F19/207 ,  G07F19/20

Abstract: Automated banking machines include a Global Positioning System (GPS). The machines can transmit their GPS location reading to a service center. The service center can receive through a customer's cell phone, a customer request for directions to the nearest card-reading cash-dispensing machine that does not have a transaction fee. The customer request can include account data and GPS location of the cell phone. The service center can determine from the account data which financial networks would not cause the customer to be assessed a transaction fee for a cash withdrawal. The service center can then determine from the GPS locations of the machines in these financial networks, which machine is geographically closest to the phone's GPS location. Directions to this nearest automated banking machine are then sent to the phone.

Abstract translation: 自动银行机包括全球定位系统（GPS）。 机器可以将GPS位置读数传送到服务中心。 服务中心可以通过客户的手机接收客户的请求，要求最近的没有交易费用的读卡式点钞机的指示。 客户请求可以包括手机的帐户数据和GPS位置。 服务中心可以从帐户数据中确定哪些金融网络不会导致客户对现金提款的交易费用进行评估。 然后，服务中心可以从这些金融网络中的机器的GPS位置确定哪个机器在地理上最接近电话的GPS位置。 到最近的自动银行机的方向然后发送到手机。

公开(公告)号：US08348151B1

公开(公告)日：2013-01-08

申请号：US13411987

申请日：2012-03-05

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: G06F17/60

CPC classification number: G07F19/207 ,  G07F19/20

Abstract: Automated banking machines include a Global Positioning System (GPS). The machines can transmit their GPS location reading to a service center. The service center can receive through a customer's cell phone, a customer request for directions to the nearest cash dispensing machine that does not have a transaction fee. The customer request can include account data and GPS location of the cell phone. The service center can determine from the account data which financial networks would not cause the customer to be assessed a transaction fee for a cash withdrawal. The service center can then determine from the GPS locations of the machines in these financial networks, which machine is geographically closest to the cell phone's GPS location. Directions to this nearest automated banking machine are then sent to the cell phone.

Abstract translation: 自动银行机包括全球定位系统（GPS）。 机器可以将GPS位置读数传送到服务中心。 服务中心可以通过客户的手机接收客户的请求，指示最近没有交易费用的最近的现金分发机。 客户请求可以包括手机的帐户数据和GPS位置。 服务中心可以从帐户数据中确定哪些金融网络不会导致客户对现金提款的交易费用进行评估。 然后，服务中心可以从这些金融网络中的机器的GPS位置确定哪个机器在地理上最接近于手机的GPS位置。 到最近的自动银行机的方向然后发送到手机。

公开(公告)号：US08336766B1

公开(公告)日：2012-12-25

申请号：US13068461

申请日：2011-05-11

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

IPC: G07F19/00 ,  G06Q40/00

CPC classification number: G07F19/20 ,  G07F19/2055 ,  G07F19/211

Abstract: An automated banking machine is part of a banking system that operates to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that operates to read data from user cards corresponding to financial accounts. A card account's status is listed in a data store as either blocked or unblocked for use in approving transactions on the account. A requested transaction on an account cannot be carried out by the machine unless the account has an unblocked status. Read card data is sent from the machine to a remote card security computer which can determine the card account status from the data store. If the account is unblocked, then the machine can continue with the requested transaction and seek transaction approval from a transaction host computer associated with the machine.

Abstract translation: 自动银行机器是银行系统的一部分，用于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，用于从与财务帐户对应的用户卡读取数据。 卡片帐户的状态在数据存储中列为阻止或解除封锁以用于批准帐户上的交易。 除非帐户具有未阻止状态，否则无法由机器执行帐户上所请求的交易。 读卡数据从机器发送到可以从数据存储确定卡帐户状态的远程卡安全计算机。 如果帐户被解除阻塞，则机器可以继续所请求的交易，并从与该机器相关联的交易主机计算机寻求交易批准。

公开(公告)号：US20120074217A1

公开(公告)日：2012-03-29

申请号：US13311033

申请日：2011-12-05

Applicant: James Block ,  Natarajan Ramachandran ,  Ashok Modi ,  Jeff Hill ,  Ray Motz ,  Klaus Steinbach

Inventor： James Block ,  Natarajan Ramachandran ,  Ashok Modi ,  Jeff Hill ,  Ray Motz ,  Klaus Steinbach

IPC: G07F19/00

CPC classification number: G07F19/206 ,  G06Q20/327 ,  G06Q20/4014 ,  G07F19/20 ,  G07F19/205

Abstract: A portable terminal operates to cause financial transfers responsive to data read from data bearing records in the form of user cards. The user cards include credit and/or debit cards. Data corresponding to the card data is stored in at least one memory of the terminal. The terminal includes a wireless communication device. The terminal operates to wirelessly communicate data corresponding to card data to one or more remote computers to cause financial transfers to or from selected accounts. The terminal also operates to provide outputs corresponding to account balances and to receive data corresponding to receipts.

Abstract translation: 便携式终端操作以响应于以用户卡的形式从数据承载记录读取的数据进行财务转移。 用户卡包括信用卡和/或借记卡。 对应于卡数据的数据被存储在终端的至少一个存储器中。 终端包括无线通信设备。 该终端用于将与卡数据相对应的数据无线地传送到一个或多个远程计算机，从而导致从所选帐户进入或来自所选账户的资金转移 终端还用于提供对应于帐户余额的输出并且接收对应于收据的数据。

公开(公告)号：US08091778B1

公开(公告)日：2012-01-10

申请号：US12799551

申请日：2010-04-27

Applicant: James Block ,  H. Thomas Graef ,  Paul D. Magee ,  Donald S. Nelson, Jr.

Inventor： James Block ,  H. Thomas Graef ,  Paul D. Magee ,  Donald S. Nelson, Jr.

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

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

Abstract: A banking system computer can receive a transaction request from a remotely located customer, and then determine the nearest bank in the banking system that is able to process the transaction request. The computer then provides the customer with directions to the bank. Before arrival of the customer at the bank, the computer provides the bank with each of notification of the impending arrival of the customer, transaction information usable by the bank to process the transaction request, and an image of the customer. Personnel at the bank can then recognize and greet the arriving customer.

Abstract translation: 银行系统计算机可以从远程位置的客户接收交易请求，然后确定银行系统中能够处理交易请求的最近的银行。 然后，计算机向客户提供有关银行的指示。 在客户到达银行之前，计算机向银行提供客户即将到达的通知，银行可用的处理交易请求的交易信息和客户的图像。 然后，银行的人员可以识别和迎接到达的客户。

公开(公告)号：US07954703B2

公开(公告)日：2011-06-07

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

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

IPC: G06K5/00

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：US07946480B2

公开(公告)日：2011-05-24

申请号：US12584491

申请日：2009-09-04

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

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

IPC: G06K5/00

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: 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 is linked in a data store to both a customer's financial account and a cell phone assigned to that customer. In response to the user's transaction request, contact data for the assigned cell phone is determined from the data store using the read card data. A transaction security code is then sent to that cell phone. The transaction is allowed to proceed only if the user inputs the sent security code to the machine within a predetermined amount of time. Transaction allowance may also be based on a real time determination that the assigned cell phone is physically located proximate the machine.

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。 卡数据在数据存储中链接到客户的金融帐户和分配给该客户的手机。 响应于用户的交易请求，使用读卡数据从数据存储确定分配的手机的联系人数据。 然后将交易安全码发送到该手机。 仅当用户在预定的时间内将所发送的安全码输入机器时才允许该事务进行。 交易津贴也可以基于分配的手机物理上位于机器附近的实时确定。

公开(公告)号：US07849011B1

公开(公告)日：2010-12-07

申请号：US10620911

申请日：2003-07-15

Applicant: Donald McCoy ,  Donald Parsons ,  Judith Edwards ,  James Block

Inventor： Donald McCoy ,  Donald Parsons ,  Judith Edwards ,  James Block

IPC: G06Q40/00

CPC classification number: G06F21/575 ,  G06F9/4408 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/40 ,  G06Q40/00 ,  G07F19/20 ,  G07F19/206

Abstract: An automated banking machine is provided that selectively controls the booting of the machine for different storage device drives. The machine may include at least one computer. The automated banking machine may also include at least one transaction function device, such as a cash dispenser, in operative connection with the computer. The computer of the machine may include a BIOS setup program with a BIOS program password and at least one BIOS boot password. When no alternative bootable media is detected, the computer is operative to automatically boot from a specified default bootable media. If an alternative bootable media is detected, the computer is operative to prompt a user to input the BIOS boot password. If the inputted password is valid, the computer is operative to boot from the alternative media. If no password is inputted, the computer is operative to automatically boot from the default bootable media.

Abstract translation: 提供了一种自动银行机，可选择性地控制不同存储设备驱动器的机器启动。 该机器可以包括至少一台计算机。 自动银行机还可以包括与计算机有效连接的至少一个交易功能装置，例如自动提款机。 机器的计算机可以包括具有BIOS程序密码和至少一个BIOS启动密码的BIOS设置程序。 当没有检测到可替代的可引导介质时，计算机可以从指定的默认可引导介质自动启动。 如果检测到可替代的可启动媒体，则计算机可操作以提示用户输入BIOS启动密码。 如果输入的密码有效，则计算机可操作地从备用媒体引导。 如果没有输入密码，计算机可以自动从默认的可启动媒体启动。

公开(公告)号：US07712657B1

公开(公告)日：2010-05-11

申请号：US12291839

申请日：2008-11-13

Applicant: James Block ,  H. Thomas Graef ,  Paul D. Magee ,  Donald S. Nelson, Jr.

Inventor： James Block ,  H. Thomas Graef ,  Paul D. Magee ,  Donald S. Nelson, Jr.

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

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

Abstract: An automatic banking machine includes at least one computer, a card reader, transaction function devices, and a display. The display includes a touch display surface having multiple spaced user locations at which transaction sessions by different user can be concurrently conducted. Multiple users can at the same time receive visible outputs from the display surface and provide inputs through physical contact with the display surface. An eye sensing device enables the display surface, based on sensing where a user is looking at the display surface, to display data at the user location.

Abstract translation: 自动银行机包括至少一台计算机，读卡器，交易功能装置和显示器。 显示器包括具有多个间隔开的用户位置的触摸显示表面，在该位置可以同时进行不同用户的交易会话。 多个用户可以同时从显示表面接收可见的输出，并通过与显示表面的物理接触来提供输入。 眼睛感测装置能够基于感测用户正在观看显示表面的位置来显示在用户位置处的数据的显示表面。

公开(公告)号：US07431204B1

公开(公告)日：2008-10-07

申请号：US11651174

申请日：2007-01-09

Applicant: James Block ,  Paul D. Magee ,  Harold V. Putman ,  H. Thomas Graef

Inventor： James Block ,  Paul D. Magee ,  Harold V. Putman ,  H. Thomas Graef

IPC: G06F19/00

CPC classification number: G07F19/206 ,  G06Q40/00 ,  G07F19/20

Abstract: An automated banking machine is operative to enable users to operate the machine to carry out transactions such as the dispensing of cash. The exemplary machine provides audible instructions which are output through external loudspeakers, a headphone, or a handset. Rotation of a rotatable knob (372, 382) or other movable item causes the output of user selectable characters, transaction types and/or amounts corresponding to each respective position. The user selects the audible output produced in the current position of the knob for receipt by the machine as a transaction input by pressing on the knob. Characters and other selectable inputs corresponding to knob positions can be varied by the computer in the machine to reduce the risk of a criminal intercepting the user's inputs to the machine.