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：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：US20100059587A1

公开(公告)日：2010-03-11

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 ,  Mark A. Douglass ,  Caren R. Blackson

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

IPC: G07F19/00

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：US07658321B1

公开(公告)日：2010-02-09

申请号：US11891374

申请日：2007-08-10

Applicant: Athena Greco ,  Jeffrey A. Hill ,  Natarajan Ramachandran ,  James Block ,  Paul D. Magee ,  Richard C. Lute ,  Donald S. Nelson, Jr. ,  David A. Barker

Inventor： Athena Greco ,  Jeffrey A. Hill ,  Natarajan Ramachandran ,  James Block ,  Paul D. Magee ,  Richard C. Lute ,  Donald S. Nelson, Jr. ,  David A. Barker

IPC: G06Q40/00 ,  G06K7/14

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.

Abstract translation: 自动银行机（10）可操作以执行金融交易并且包括用户界面（15）。 用户界面包括读卡器（16），其可用于读取识别用户财务帐户的用户卡上的数据。 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。 或者，可移动面板（462,464）是可移动的，以防止未经授权的机密输入的查看。 或者，键盘盖选择性地可折叠以防止数字访问。 视觉指示器用于向用户指示键盘输入正被加密。 消毒技术可用于消毒机器的手动接触表面。

公开(公告)号：US07552868B1

公开(公告)日：2009-06-30

申请号：US11894184

申请日：2007-08-20

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: G07F19/00

CPC classification number: G07F19/203 ,  G06Q20/10 ,  G06Q20/1085 ,  G07F19/20 ,  G07F19/205

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.

公开(公告)号：US07523856B2

公开(公告)日：2009-04-28

申请号：US11235837

申请日：2005-09-26

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: G07F19/20 ,  G06K19/08 ,  G06Q20/18 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/325 ,  G06Q20/327 ,  G06Q20/3276 ,  G06Q20/4014 ,  G07F19/205 ,  G07G1/0045 ,  G07G1/0081

Abstract: An ATM includes a user interface having a display device. The display device includes a flexible display panel. The display panel can be flexed to limit the displayed information to only the field of view of the current ATM user. The curvature of the display panel can be changed by a moving device to correspond to the settings assigned to the current ATM user responsive to identifying input received from the user.

Abstract translation: ATM包括具有显示装置的用户界面。 显示装置包括柔性显示面板。 可以弯曲显示面板以将显示的信息仅限于当前ATM用户的视野。 响应于识别从用户接收的输入，显示面板的曲率可以由移动设备改变以对应于分配给当前ATM用户的设置。

公开(公告)号：US08640946B1

公开(公告)日：2014-02-04

申请号：US13455180

申请日：2012-04-25

Applicant: James Block ,  H. Thomas Graef ,  Paul D. Magee ,  Donald S. Nelson, Jr. ,  James Meek ,  Daniel S. McIntyre ,  Mark DePietro ,  Natarajan Ramachandran

Inventor： James Block ,  H. Thomas Graef ,  Paul D. Magee ,  Donald S. Nelson, Jr. ,  James Meek ,  Daniel S. McIntyre ,  Mark DePietro ,  Natarajan Ramachandran

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

CPC classification number: G06Q20/1085 ,  G06F3/04817 ,  G06F3/04883 ,  G06Q40/00 ,  G07F19/20

Abstract: An automated banking machine allows an authorized user to carry out transactions such as withdrawing cash, making a deposit, cashing a check, and transferring funds between accounts. The machine provides a transaction selection screen through a touch screen display. The transaction selection screen includes a plurality of visually different icons. Each icon represents a different transaction that is available to the current machine user. The user can select a particular transaction by dragging its representative icon with a contacting finger. Upon selection of the particular transaction, a display screen unique to that particular transaction is then provided through the touch screen display.

公开(公告)号：US08479983B1

公开(公告)日：2013-07-09

申请号：US13608255

申请日：2012-09-10

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: G06F19/60

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 the 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 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 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 machine. The security arrangement helps prevent an unauthorized person from using a fraudulent machine 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）。 接收用户标识的机器导致确定手机的位置。 然后比较手机位置和机器位置。 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。 如果位置不对应，则当前用户被拒绝在机器处理。 安全安排有助于防止未经授权的人使用欺诈性机器卡访问财务帐户。

公开(公告)号：US08459546B1

公开(公告)日：2013-06-11

申请号：US13479483

申请日：2012-05-24

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：US20120223134A1

公开(公告)日：2012-09-06

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: G06Q40/02 ,  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。