Patents by Inventor Paul Drummond

Paul Drummond has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Publication number: 20120286034
    Abstract: A banking system is controlled responsive to data read from data bearing records. The system includes a card reader that operates to read identifying data from user cards, and can authorize operation of an automated banking machine responsive to the identifying data. The machine can generate and present a check to the machine user in response to user inputs. The machine presents an interface for the user to sign the check. The user's banking account is charged an amount corresponding to the check value. In exchange for the same machine receiving the generated check, the user is provided with cash dispensed from the machine. The machine also allows the user to select having a canceled check image displayed at the machine and/or sent to the user's network address.
    Type: Application
    Filed: July 23, 2012
    Publication date: November 15, 2012
    Applicant: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: Mark D. Smith, Jay Paul Drummond, Michael A. Meffie, Daniel D. Wasil
  • Publication number: 20120267431
    Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.
    Type: Application
    Filed: June 25, 2012
    Publication date: October 25, 2012
    Applicant: Diebold, Incorporated
    Inventors: Jay Paul Drummond, Bob A. Cichon, Mark D. Smith, David Weis
  • Publication number: 20120261467
    Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.
    Type: Application
    Filed: June 25, 2012
    Publication date: October 18, 2012
    Applicant: DIEBOLD, INCORPORATED
    Inventors: Jay Paul Drummond, Bob A. Cichon, Mark D. Smith, David Weis
  • Publication number: 20120261466
    Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.
    Type: Application
    Filed: June 25, 2012
    Publication date: October 18, 2012
    Applicant: DIEBOLD, INCORPORATED
    Inventors: Jay Paul Drummond, Bob A. Cichon, Mark D. Smith, David Weis
  • Patent number: 8281989
    Abstract: An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. While a user operates the system to dispense cash or perform other banking operations, the system may further permit at least one portable wireless device to wirelessly access the system to conduct transactions.
    Type: Grant
    Filed: October 7, 2011
    Date of Patent: October 9, 2012
    Assignee: Diebold, Incorporated
    Inventors: Jay Paul Drummond, Mark D. Smith, Natarajan Ramachandran
  • Publication number: 20120223136
    Abstract: A banking system controlled responsive to data bearing records includes a card reader that can read identifying data from user cards. The system can authorize operation of an automated banking machine responsive to the read data. The system can provide an electronic transaction receipt to the machine user. A bank computer is operable to submit the receipt to a system address of record with the bank. The address can correspond to an e-mail address, phone number, or other address associated with an account involved in the transaction. The receipt can also include an image associated with the transaction. The system can also operate to image a check deposited at the machine, and then electronically send the image to the check maker, the payee, and/or a clearinghouse.
    Type: Application
    Filed: May 14, 2012
    Publication date: September 6, 2012
    Applicant: Diebold Self-Service Systems division of Diebold Incorporated
    Inventors: Jay Paul Drummond, Mark D. Smith, Michael A. Meffie, Daniel D. Wasil
  • Patent number: 8245916
    Abstract: An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. The card reader may include a data store including a card reader device driver therein. The card reader may further communicate the device driver to a automated banking machine software application component, which is operative to use the device driver to operate the card reader.
    Type: Grant
    Filed: May 16, 2011
    Date of Patent: August 21, 2012
    Assignee: Diebold, Incorporated
    Inventors: Jay Paul Drummond, Mark D. Smith, Natarajan Ramachandran
  • Patent number: 8240556
    Abstract: An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. A user is also enabled to perform at least one banking operation responsive to financial account data communicated to the automated banking machine from a mobile phone.
    Type: Grant
    Filed: November 7, 2011
    Date of Patent: August 14, 2012
    Assignee: Diebold, Incorporated
    Inventors: Jay Paul Drummond, Mark D. Smith, Natarajan Ramachandran
  • Patent number: 8225991
    Abstract: A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including identifying data, and authorizes operation of an automated banking machine responsive to the identifying data. The banking machine can generate a check in response to user inputs. The banking machine can also present the check to the machine user. The banking machine can present an interface for the user to sign the check. The user's banking account is charged an amount corresponding to the check value. In exchange for the same banking machine receiving the generated check, the user is provided with cash dispensed from the banking machine. The banking machine also allows a user to select having a canceled check image displayed at the machine and/or sent to the user's network address.
    Type: Grant
    Filed: February 9, 2011
    Date of Patent: July 24, 2012
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: Mark D. Smith, Jay Paul Drummond, Michael A. Meffie, Daniel D. Wasil
  • Publication number: 20120168498
    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 operative to read card data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine is operative to carry out financial transfers using resources of the ATM correlated to application instructions responsive to configuration data.
    Type: Application
    Filed: February 27, 2012
    Publication date: July 5, 2012
    Applicant: DIEBOLD, INCORPORATED
    Inventors: Denise Couper, Charles H. Somers, JR., Jay Paul Drummond, Mark D. Smith, Harold V. Putman
  • Patent number: 8205792
    Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.
    Type: Grant
    Filed: December 29, 2011
    Date of Patent: June 26, 2012
    Assignee: Diebold, Incorporated
    Inventors: Jay Paul Drummond, Bob A. Cichon, Mark D. Smith, David W. Weis
  • Patent number: 8204689
    Abstract: A mobile soil mapping system includes an implement for traversing a field to be mapped, and a reflectance module carried by the implement for collecting spectroscopic measurements of soil in the field. The reflectance module has a light source, an optical receiver for transmitting light to a spectrometer, and a shutter system that alters the optical path between the light source and the optical receiver. The shutter system allows the system to automatically collect a dark reference measurement and a known reference material measurement at timed intervals to compensate for drift of the spectrometer and the light source. A self-cleaning window on the reflectance module has a lower surface maintained in firm contact with the soil during operation. External reference blocks are used to calibrate the system to ensure standardized, repeatable data. Additional sensors are carried by the implement to collect other soil data, such as electrical conductivity and temperature.
    Type: Grant
    Filed: October 17, 2008
    Date of Patent: June 19, 2012
    Assignee: Veris Technologies, Inc.
    Inventors: Colin Christy, Paul Drummond
  • Patent number: 8191770
    Abstract: An automated banking machine operates to carry out financial transactions for authorized machine users responsive to user data read from data bearing records. The machine includes an input devices including a card reader which operates to read card data that is usable to identify a user or a user account. The machine also includes a cash dispenser that is selectively operative to dispense currency notes to authorized machine users. A computer causes financial accounts read by the card reader to be assessed a value for cash dispensed. The computer causes operation of the cash dispenser in response to receiving cash dispense instructions. The computer includes software that prevents cash dispenser operation in response to cash dispense instructions being received in communications from at least one remote address.
    Type: Grant
    Filed: May 9, 2011
    Date of Patent: June 5, 2012
    Assignee: Diebold, Incorporated
    Inventors: Jay Paul Drummond, Bob A. Cichon, Mark D. Smith, David W. Weis
  • Patent number: 8186576
    Abstract: A banking system controlled responsive to data bearing records includes a card reader that can read identifying data from user cards. The system can authorize operation of an automated banking machine responsive to the read data. The machine can provide an electronic transaction receipt to the machine user. A bank host computer is operable to submit the receipt to a system address of record with the bank. The address can correspond to an e-mail address, phone number, or other address associated with an account involved in the transaction. The receipt can also include an image associated with the transaction. The system can also operate to image a check deposited at the machine, and then electronically send the image to the check maker, the payee, and/or a clearinghouse.
    Type: Grant
    Filed: May 2, 2011
    Date of Patent: May 29, 2012
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: Jay Paul Drummond, Mark D. Smith, Michael A. Meffie, Daniel D. Wasil
  • Patent number: 8181859
    Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.
    Type: Grant
    Filed: December 29, 2011
    Date of Patent: May 22, 2012
    Assignee: Diebold, Incorporated
    Inventors: Jay Paul Drummond, Bob A. Cichon, Mark D. Smith, David W. Weis
  • Patent number: 8172136
    Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.
    Type: Grant
    Filed: October 18, 2011
    Date of Patent: May 8, 2012
    Assignee: Diebold, Incorporated
    Inventors: Jay Paul Drummond, Bob A. Cichon, Mark D. Smith, David Weis
  • Patent number: 8172130
    Abstract: A system controlled responsive to a data bearing record includes a card reader that is operative to read data from user cards including identifying data, and to authorize operation of an automated banking machine responsive to the identifying data. The automated banking machine may be operative to provide an electronic transaction receipt from the banking machine. A bank host computer may be operable to submit the receipt to a system address of record with the bank. The address of record may correspond to an e-mail address, phone number or other address associated with an account involved in the transaction. The receipt may include an image or images associated with the transaction and may be sent to a user of a banking machine. The system may also operate to image deposited checks deposited at a banking machine and may be electronically sent to a maker, payee, or clearinghouse.
    Type: Grant
    Filed: February 29, 2008
    Date of Patent: May 8, 2012
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: Jay Paul Drummond, Mark D. Smith, Michael A. Meffie, Daniel D. Wasil
  • Publication number: 20120104092
    Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.
    Type: Application
    Filed: December 29, 2011
    Publication date: May 3, 2012
    Applicant: DIEBOLD, INCORPORATED
    Inventors: Jay Paul Drummond, Bob A. Cichon, Mark D. Smith, David W. Weis
  • Publication number: 20120104091
    Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.
    Type: Application
    Filed: December 29, 2011
    Publication date: May 3, 2012
    Applicant: DIEBOLD, INCORPORATED
    Inventors: Jay Paul Drummond, Bob A. Cichon, Mark D. Smith, David Weis
  • Patent number: 8132717
    Abstract: A system controlled responsive to data bearing records includes a card reader that is operative to read card data from user cards including identifying data, and authorizes operation of an automated banking machine responsive to the identifying data. The automated banking machine is operative to generate a check in response to inputs from a user of the banking machine. The banking machine is operative to present the check to a user of the automated banking machine. The banking machine is operative to present an interface or other method for a user to sign the check. The user's banking account is charged an amount corresponding to the value of the check. In exchange for the check being presented at the same banking machine that generated the check, the banking machine provides the user with cash dispensed from the automated banking machine.
    Type: Grant
    Filed: November 18, 2010
    Date of Patent: March 13, 2012
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: Mark D. Smith, Jay Paul Drummond, Michael A. Meffie, Daniel D. Wasil