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    Banking Terminal that Operates to Cause Financial Transfers Responsive to Data Bearing Records
    4.
    发明申请
    Banking Terminal that Operates to Cause Financial Transfers Responsive to Data Bearing Records 有权
    运营资金转移的银行终端对数据记录的响应

    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。

    Banking terminal that operates to cause financial transfers responsive to data bearing records
    5.
    发明授权
    Banking terminal that operates to cause financial transfers responsive to data bearing records 有权
    银行终端经营以响应数据记录的财务转移

    公开(公告)号：US08561889B2

    公开(公告)日：2013-10-22

    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: G06F19/00

    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。

    Card activated automated banking machine system and method
    8.
    发明授权
    Card activated automated banking machine system and method 有权
    卡激活自动银行机系统及方法

    公开(公告)号：US08038057B1

    公开(公告)日：2011-10-18

    申请号：US13066970

    申请日：2011-04-29

    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: G07F19/00

    CPC classification number: G07F19/201 ,  G07F19/20 ,  G07F19/205

    Abstract: A card actuated automated banking machine is operative to carry out financial transactions responsive to data included on user cards. The machine includes a user interface including a display. The user interface includes a card reader which is operative to read data on user cards which identify at least one of a user and a user's financial accounts. A fascia of the machine includes a keypad through which users input confidential data. Covers 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: 卡启动的自动银行机可操作以响应于用户卡上包含的数据进行金融交易。 该机器包括包括显示器的用户界面。 用户接口包括读卡器，其可用于读取识别用户和用户的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。 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。

    Cash dispensing automated banking machine
    9.
    发明授权
    Cash dispensing automated banking machine 有权
    现金分配自动银行机

    公开(公告)号：US07850073B1

    公开(公告)日：2010-12-14

    申请号：US12321967

    申请日：2009-01-26

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

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

    IPC: G07F19/00

    CPC classification number: G06Q20/3227 ,  G06Q20/18 ,  G06Q20/223 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/325 ,  G06Q20/3276 ,  G06Q20/3278 ,  G06Q20/3821 ,  G06Q20/40145 ,  G07F19/20 ,  G07F19/205 ,  G07G1/0045 ,  G07G1/0081

    Abstract: An automated banking machine that operates responsive to data bearing records such as user cards includes a user interface having electronic ink displays. Displays can be used as identification labels. A display identifying the function of a transaction function device can be located adjacent to that device. Displays can also be used to provide instructions to machine users. A display on how to insert a card into the ATM can be located adjacent the card input slot. A system that operates to carry out financial transfers operates in response to data read from data bearing records. A cell phone having a camera or other reader operates to cause item identifying data and account data to be transmitted to a transaction system to enable item purchase.

    Abstract translation: 响应于诸如用户卡的数据承载记录操作的自动银行机包括具有电子墨水显示器的用户界面。 显示器可用作识别标签。 识别交易功能设备的功能的显示器可以位于与该设备相邻的位置。 显示器也可用于向机器用户提供说明。 关于如何将卡插入ATM的显示器可以位于卡输入插槽附近。 用于执行财务转移的系统响应于从数据记录中读取的数据。 具有照相机或其他读取器的手机操作以使物品识别数据和帐户数据被发送到交易系统以允许物品购买。

    Cash dispensing automated banking machine with instructional electronic ink displays
    10.
    发明授权
    Cash dispensing automated banking machine with instructional electronic ink displays 有权
    带有教学电子墨水显示器的现金分发自动银行机

    公开(公告)号：US07481360B1

    公开(公告)日：2009-01-27

    申请号：US11228089

    申请日：2005-09-15

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

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

    IPC: G07F19/00

    CPC classification number: G06Q20/3227 ,  G06Q20/18 ,  G06Q20/223 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/325 ,  G06Q20/3276 ,  G06Q20/3278 ,  G06Q20/3821 ,  G06Q20/40145 ,  G07F19/20 ,  G07F19/205 ,  G07G1/0045 ,  G07G1/0081

    Abstract: An ATM includes a user interface having plural electronic ink displays. Displays can be used as identification labels. A display identifying the function of a transaction function device can be located adjacent to that device. Displays can also be used to provide instructions to machine users. A display on how to insert a card into the ATM can be located adjacent the card input slot. An display can be in direct communication with both a card reader and an encryption pin pad (“EPP”). Upon suspecting card reader tampering, the card reader can instruct the display to present a message warning of the situation. Likewise, upon suspecting EPP tampering, the EPP can instruct the display to present a warning message. Displays can also instruct a machine user on when and when not to insert their PIN depending on the mode of the EPP.

    Abstract translation: ATM包括具有多个电子墨水显示器的用户界面。 显示器可用作识别标签。 识别交易功能设备的功能的显示器可以位于与该设备相邻的位置。 显示器也可用于向机器用户提供说明。 关于如何将卡插入ATM的显示器可以位于卡输入插槽附近。 显示器可以与读卡器和加密引脚焊盘（“EPP”）直接通信。 一旦怀疑读卡器被篡改，读卡器可以指示显示器呈现一个消息警告的情况。 同样地，EPP可疑EPP篡改后，可以指示显示屏发出警告信息。 根据EPP的模式，显示器还可以指示机器用户什么时候何时插入PIN码。

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