公开(公告)号：US07175076B1

公开(公告)日：2007-02-13

申请号：US11175890

申请日：2005-07-06

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.

Abstract translation: 操作自动银行机器使得用户能够操作机器来执行诸如分配现金的交易。 示例性机器提供通过外部扬声器，耳机或手机输出的可听指令。 可旋转旋钮（372,382）或其他可移动项的旋转导致用户可选择的字符，交易类型和/或对应于每个相应位置的量的输出。 用户选择在旋钮的当前位置产生的听觉输出，以便通过按下旋钮通过机器接收作为交易输入。 对应于旋钮位置的字符和其他可选择输入可以由机器中的计算机改变，以减少犯罪人拦截用户对机器的输入的风险。

公开(公告)号：US07121460B1

公开(公告)日：2006-10-17

申请号：US10620966

申请日：2003-07-15

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

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

IPC: G06F17/60

CPC classification number: G07F19/206 ,  G06Q20/341 ,  G06Q20/3823 ,  G06Q20/3825 ,  G07F7/084 ,  G07F7/1008 ,  G07F19/20

Abstract: An automated banking machine is provided which includes a first component and a second component. The first component is operative generate a first hash of a first identity data and a public key associated with the second component. The first component is operative to encrypt a randomly generated secret key using the public key associated with the second component. The second component is operative to receive at least one message from the first component which includes the encrypted secret key and the first hash. The second component is operative to decrypt the secret key with a private key that corresponds to the public key. The second component is operative to permit information associated with a transaction function to be communicated between the first and second components which is encrypted with the secret key when the first hash is determined by the second component to correspond to the first component.

Abstract translation: 提供一种包括第一部件和第二部件的自动银行机器。 第一组件可操作地生成与第二组件相关联的第一身份数据和公钥的第一散列。 第一组件可操作以使用与第二组件相关联的公钥来加密随机生成的秘密密钥。 第二组件可操作以从第一组件接收至少一个包括加密的秘密密钥和第一散列的消息。 第二组件可操作以用对应于公钥的专用密钥解密秘密密钥。 当第二组件确定第一散列以对应于第一组件时，第二组件可操作以允许与交易功能相关联的信息在第一和第二组件之间进行通信，该第一组件与第二组件之间用秘密密钥加密。

公开(公告)号：US08640947B1

公开(公告)日：2014-02-04

申请号：US13507723

申请日：2012-07-23

Applicant: David N. Lewis ,  Randall Jenkins ,  James Block ,  Songtao Ma ,  Natarajan Ramachandran ,  Jeffery Enright ,  James E. Pettitt

Inventor： David N. Lewis ,  Randall Jenkins ,  James Block ,  Songtao Ma ,  Natarajan Ramachandran ,  Jeffery Enright ,  James E. Pettitt

IPC: G07F19/00

CPC classification number: G07F19/209 ,  G07F19/2055

Abstract: A banking system machine is controlled responsive to data read from data bearing records. The machine includes a card reader, a keypad, a cash dispenser, a cash outlet, a deposit accepting opening, and other transaction locations that may be susceptible to the installation of fraudulent devices adjacent thereto. Such unauthorized devices may include for example, a fraudulent card reading device, a fraudulent keypad input intercepting device, a cash outlet trap device, a deposit input diversion device, or other illegitimate devices. The machine includes an anti-fraud arrangement that is operative to deter the attachment of unauthorized devices to the machine. The arrangement can sense and/or dislodge an unauthorized device attached to the machine. The arrangement also allows for the machine's card slot bezel to be frequently exchanged for a differently contoured card slot bezel.

Abstract translation: 响应于从数据记录读取的数据控制银行系统机器。 该机器包括读卡器，小键盘，自动取款机，现金出口，存款接收开口以及可能易于安装与其相邻的欺诈设备的其他交易地点。 这种未经授权的设备可以包括例如欺诈性读卡设备，欺诈键盘输入拦截设备，现金出口陷阱设备，存款输入转移设备或其他非法设备。 该机器包括防欺诈布置，其可操作以阻止将未经授权的设备附接到机器。 该装置可以感测和/或移除附着在机器上的未授权设备。 这种安排还允许机器的卡插槽挡板频繁更换不同形状的卡槽挡板。

公开(公告)号：US08628007B2

公开(公告)日：2014-01-14

申请号：US13443230

申请日：2012-04-10

Applicant: Mark D. Smith ,  Natarajan Ramachandran ,  James Block ,  Jeffery M. Enright

Inventor： Mark D. Smith ,  Natarajan Ramachandran ,  James Block ,  Jeffery M. Enright

IPC: G07F19/00

CPC classification number: G06Q20/3223 ,  G06K9/00442 ,  G06K9/18 ,  G06Q20/042 ,  G06Q20/1085 ,  G06Q20/3221 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q40/00 ,  G07F7/04 ,  G07F19/20 ,  G07F19/201 ,  G07F19/203 ,  G07F19/211

Abstract: A banking system comprises automated banking machines which include a card reader, check imaging device, and cash dispenser. Each system machine can cash a code-correlated check in exchange for receiving both the check and the code assigned to the check, without requiring any user identifying input through the machine's user input devices as a condition for cashing the check. The system allows a potential recipient of a personal check to call in a given code to a system computer, which can verify whether the check is backed by funds reserved for the check amount and whether the check can be anonymously cashed. From the call the system computer can obtain the mobile phone's GPS location to determine the system machine nearest to the phone. When informing the phone user that a check is as good as cash, the system computer can also provide directions to that nearest system machine.

Abstract translation: 银行系统包括自动银行机器，其包括读卡器，检查成像设备和自动提款机。 每个系统机器可以兑现代码相关检查，以便接收检查和分配给检查的代码，而不需要任何用户通过机器的用户输入设备识别输入作为兑现支票的条件。 该系统允许个人支票的潜在收件人以给定的代码呼叫系统计算机，该系统计算机可以验证支票是否支持用于支票金额的资金以及支票是否可以匿名兑现。 从呼叫系统电脑可以获取手机的GPS位置，以确定最接近手机的系统机器。 当通知电话用户支票与现金一样好时，系统计算机还可以向最近的系统机器提供指示。

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：US08201730B1

公开(公告)日：2012-06-19

申请号：US12799472

申请日：2010-04-26

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

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

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

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 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. The machine may be configured such that when an alternative bootable media is detected, the computer is operative to prompt a user to input a bios boot password.

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提款机，机器对消费者进行交易功能，包括配送现金。 该机器可以被配置为使得当检测到替代的可引导介质时，计算机可操作以提示用户输入BIOS启动密码。

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：US08146801B1

公开(公告)日：2012-04-03

申请号：US12008348

申请日：2008-01-10

Applicant: Tim Crews ,  Joe Hartman ,  Klaus Steinbach ,  Ray Motz ,  Anne Bayonnet ,  James Block ,  Paul D. Magee ,  Richard C. Lute ,  Donald S. Nelson ,  David A. Barker

Inventor： Tim Crews ,  Joe Hartman ,  Klaus Steinbach ,  Ray Motz ,  Anne Bayonnet ,  James Block ,  Paul D. Magee ,  Richard C. Lute ,  Donald S. Nelson ,  David A. Barker

IPC: G06Q40/00 ,  G06Q20/00 ,  G07D11/00 ,  G07F19/00 ,  G06F17/00 ,  G06K5/00 ,  G06K19/00

CPC classification number: G07F19/201 ,  G06Q20/1085 ,  G06Q20/20 ,  G06Q20/382 ,  G06Q20/40 ,  G07F19/20 ,  G07F19/205

Abstract: A card actuated automated banking machine (10) is operative to carry out financial transactions responsive to data included on user cards. The machine includes a user interface (15) including a display (24). The user interface includes a card reader (16) which is operative to read data on user cards which identify at least one of user and a 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. Authorization signals assure that the display is operating in a manner that provides appropriate user instructions. A visual indicator is operative to indicate to a user that keypad inputs are being encrypted.

Abstract translation: 自动银行卡（10）可操作以响应于用户卡上包含的数据执行金融交易。 该机器包括包括显示器（24）的用户界面（15）。 用户接口包括读卡器（16），其可用于读取识别用户和用户财务帐户中的至少一个的用户卡上的数据。 机器的面板包括用户输入机密数据的小键盘（404,483,458）。 封面（400,422,430）防止未经授权的人员查看键盘的机密输入。 授权信号确保显示器以提供适当用户指令的方式运行。 视觉指示器用于向用户指示键盘输入正被加密。

公开(公告)号：US08127983B1

公开(公告)日：2012-03-06

申请号：US12586468

申请日：2009-09-21

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：US07861924B1

公开(公告)日：2011-01-04

申请号：US12455602

申请日：2009-06-03

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: G06Q20/40 ,  G06Q20/3223 ,  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 automated banking machine includes a card reader that is operative to read card data corresponding to a user financial account. The card data is linked in at least one data store to an indication that the card data corresponds to an authorized financial account to enable operation of the automated banking machine. The card data is also linked in the at least one data store to a mobile communication device (i.e., cell phone of an owner associated with the financial account). In response to receipt of card data and a transaction request from an automated banking machine, contact data for the owner's cell phone is determined and a message notifying the owner of the requested transaction is sent. The transaction is completed only if the owner provides a responsive message granting permission for the transaction to proceed. Alternatively or in addition transaction authorization may be based on the then current location of the owner's cell phone adjacent to the automated banking machine, and/or other criteria.

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。 自动银行机包括读卡器，其操作来读取对应于用户金融账户的卡数据。 卡数据被链接在至少一个数据存储器中，以指示卡数据对应于授权的财务帐户以使自动银行机的操作。 卡数据还在至少一个数据存储器中链接到移动通信设备（即与金融账户相关联的所有者的手机）。 响应于从自动银行机接收到卡数据和交易请求，确定所有者手机的联系人数据，并且发送通知所请求的交易的所有者的消息。 仅当所有者提供响应消息授予交易进行许可时，交易才能完成。 或者或另外交易授权可以基于与自动银行机相邻的所有者手机当时的当前位置和/或其他标准。