公开(公告)号：US08152055B2

公开(公告)日：2012-04-10

申请号：US13134128

申请日：2011-05-31

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: 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：US08070055B2

公开(公告)日：2011-12-06

申请号：US12387149

申请日：2009-04-27

Applicant: James Block ,  Natarajan Ramachandran ,  Ashok Modi ,  Jeffrey A. Hill ,  Raymond P. Motz ,  Klaus Steinbach

Inventor： James Block ,  Natarajan Ramachandran ,  Ashok Modi ,  Jeffrey A. Hill ,  Raymond P. Motz ,  Klaus Steinbach

IPC: G06K5/00

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: 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 wirelessly 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。 该终端操作以无线方式将对应于卡数据的数据无线地传送到一个或多个远程计算机，从而导致从所选择的账户转移或从所选帐户进行资金转账 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：US07934643B1

公开(公告)日：2011-05-03

申请号：US12008301

申请日：2008-01-10

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

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

IPC: G07F19/00

CPC classification number: G07F19/201 ,  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：US07891546B1

公开(公告)日：2011-02-22

申请号：US11825271

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: G06F17/00 ,  G06K5/00 ,  G06Q40/00 ,  G07D11/00 ,  G07F19/00

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：US20090289105A1

公开(公告)日：2009-11-26

申请号：US12387149

申请日：2009-04-27

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: 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 wirelessly 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。 该终端操作以无线方式将对应于卡数据的数据无线地传送到一个或多个远程计算机，从而导致从所选择的账户转移或从所选帐户进行资金转 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：US07591413B1

公开(公告)日：2009-09-22

申请号：US11229944

申请日：2005-09-19

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

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

IPC: G06F17/60

CPC classification number: G07F19/207 ,  G07F19/20

Abstract: An automated banking machine includes a Global Positioning System (GPS). The machine can transmit a GPS location reading to a security center. The security center can compare the received GPS location to a location assigned to the machine. If the compared locations do not match then a determination is made that the machine was stolen. Responsive to a determination of theft, dye packs located in the machine can be activated to stain cash therein. The dye packs can also be set off if the machine's safe door is opened without the following a predetermined sequence for opening the door. Thus, cash in a stolen automated banking machine can be rendered as unusable.

Abstract translation: 自动银行机包括全球定位系统（GPS）。 该机器可以将GPS位置读数传输到安全中心。 安全中心可以将接收到的GPS位置与分配给机器的位置进行比较。 如果比较的位置不匹配，则确定机器被盗。 响应于盗窃的确定，位于机器中的染料包可以被激活以污染其中的现金。 如果机器的安全门打开而没有按照预定的打开门的顺序，染色包也可以被关闭。 因此，被盗的自动银行机器中的现金可以被渲染为不可用的。

公开(公告)号：US07516881B1

公开(公告)日：2009-04-14

申请号：US11175893

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: G07F19/00

CPC classification number: G07F19/205 ,  G06F3/16 ,  G06Q20/1085 ,  G07F7/1033 ,  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.

公开(公告)号：US07357307B1

公开(公告)日：2008-04-15

申请号：US11638956

申请日：2006-12-14

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

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

IPC: G07F19/00

CPC classification number: G07F19/202 ,  G07F19/20 ,  G07F19/203

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：US07353989B1

公开(公告)日：2008-04-08

申请号：US11648987

申请日：2007-01-03

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

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

IPC: G07F19/00

CPC classification number: G07F19/202 ,  G07F19/20 ,  G07F19/203

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：US07350700B1

公开(公告)日：2008-04-01

申请号：US11651173

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.

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。