Patents by Inventor Songtao Ma
Songtao Ma 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).
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Patent number: 8490867Abstract: An automated banking machine operated responsive to data bearing records includes a card reader that is operative to read data from user cards including financial account identifying data, and to cause financial transfers responsive at least in part to the card data corresponding to stored data for a financial account authorized to conduct a transaction with the machine. The machine includes a plurality of hardware devices and a terminal processor. The terminal processor is operative to cause a hardware device to process sheets in carrying out transactions involving financial transfers. A device processor in a hardware device is operative to communicate certain condition data associated with the hardware device to a portable device.Type: GrantFiled: November 27, 2012Date of Patent: July 23, 2013Assignee: Diebold Self-Service Systems division of Diebold, IncorporatedInventors: Mike P. Ryan, Kenneth Turocy, William D. Beskitt, Eric Toepke, David A. Peters, Songtao Ma, Damon J. Blackford, Joe Altier, Thomas A. VanKirk, Robert W. Barnett
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Patent number: 8474700Abstract: A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The machine also includes a PIN keypad. The card reader can send encrypted card data to the keypad. The keypad can decipher the encrypted card data. The keypad can encrypt both deciphered card data and a received user PIN. The card data and the PIN are usable by the machine to authorize a user to carry out a financial transfer involving the account.Type: GrantFiled: February 24, 2012Date of Patent: July 2, 2013Assignee: Diebold Self-Service Systems division of Diebold, IncorporatedInventors: David N. Lewis, Jeffery M. Enright, Natarajan Ramachandran, Mark A. Douglass, Tim Crews, Songtao Ma, Randall W. Jenkins, H. Thomas Graef, Sathish M. Irudayam, Klaus Steinbach, Theresa Ipson, Frank Natoli, James E. Pettitt, Charles H. Somers, Jr.
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Patent number: 8430309Abstract: 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 also includes a display and a printer to produce records of financial transactions carried out with the machine. The card reader is operative to read and return card information read from the user card responsive. The automated banking machine may also include a check acceptor that is usable to determine a probability associated with the check being fraudulent.Type: GrantFiled: November 5, 2012Date of Patent: April 30, 2013Assignee: Diebold, IncorporatedInventors: Songtao Ma, Sangeeta Huria, Eric Klein, Tim Crews
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Patent number: 8430305Abstract: 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 fraud devices. An anti-fraud sensing system is operative in the machine to sense the probable installation of unauthorized devices on the machine. Such unauthorized devices may include fraudulent card reading devices, fraudulent keypad input intercepting devices, cash outlet trap devices, and deposit input diversion devices.Type: GrantFiled: July 23, 2012Date of Patent: April 30, 2013Assignee: Diebold Self-Service Systems division of Diebold, IncorporatedInventors: Randall Jenkins, Songtao Ma, Natarajan Ramachandran, Jeffery M. Enright, Dale H. Blackson
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Patent number: 8418917Abstract: A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The machine also includes a PIN keypad. The card reader can send encrypted card data to the keypad. The keypad can decipher the encrypted card data. The keypad can encrypt both deciphered card data and a received user PIN. The card data and the PIN are usable by the machine to authorize a user to carry out a financial transfer involving the account.Type: GrantFiled: February 24, 2012Date of Patent: April 16, 2013Assignee: Diebold Self-Service SystemsInventors: David N. Lewis, Jeffery M. Enright, Natarajan Ramachandran, Mark A. Douglass, Tim Crews, Songtao Ma, Randall W. Jenkins, H. Thomas Graef, Sathish M. Irudayam, Klaus Steinbach
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Patent number: 8387865Abstract: An automated banking machine operates to cause financial transfers responsive to data bearing records. The automated banking machine includes a card reader that is operative to read data from user cards corresponding to a financial account. The automated banking machine further includes a sheet accepting device that is operative to receive at least one of notes and checks. A note acceptor includes at least one validator that includes at least one ultrasonic detector. The at least one validator is operative to identify suspect counterfeit notes produced by assembling pieces of genuine notes by identifying seams or other fastening features in the notes where such pieces are joined. The note validator may further include image sensors and/or radiation transmission sensors which are further usable to identify the presence of seams or other fastening features that can distinguish valid and suspect counterfeit notes.Type: GrantFiled: June 9, 2010Date of Patent: March 5, 2013Assignee: Diebold, IncorporatedInventors: Michael Russell, Larry Harmon, Eric Klein, Kevin Newton, Jeffery M. Enright, Mike R. Ryan, Wayne D. Wellbaum, Songtao Ma
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Patent number: 8387867Abstract: An automated banking machine controlled responsive to data bearing records includes a card reader that reads identifying data from a user card. A host banking system authorizes operation of an automated banking machine responsive to computer verification of the identifying data. The automated banking machine can dispense cash to an authorized machine user in a cash dispensing transaction, and have the user's bank account charged for the cash amount dispensed. The automated banking machine can acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for the checks. Cash can be dispensed from the machine to a user in exchange for a deposited check.Type: GrantFiled: February 20, 2012Date of Patent: March 5, 2013Assignee: Diebold Self-Service Systems division of Diebold, IncorporatedInventors: Songtao Ma, David A. Peters
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Publication number: 20120312870Abstract: An automated banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The automated banking machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to transaction function devices such as the card reader to avoid exceeding power supply capacity.Type: ApplicationFiled: August 4, 2012Publication date: December 13, 2012Applicant: Diebold Self-Service Systems Division of Diebold, IncorporatedInventors: Songtao Ma, Eric Toepke, Mike R. Ryan, Randall W. Jenkins, Natarajan Ramachandran, Thomas D. Ertle, Tim Crews, Willis Miller, Nick Billett, Steven Shepley, Dave Krzic, Victor A. Cogan
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Publication number: 20120286033Abstract: 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 fraud devices. An anti-fraud sensing system is operative in the machine to sense the probable installation of unauthorized devices on the machine. Such unauthorized devices may include fraudulent card reading devices, fraudulent keypad input intercepting devices, cash outlet trap devices, and deposit input diversion devices.Type: ApplicationFiled: July 23, 2012Publication date: November 15, 2012Applicant: Diebold Self-Service Systems division of Diebold, IncorporatedInventors: Randall Jenkins, Songtao Ma, Natarajan Ramachandran, Jeffery M. Enright, Dale H. Blackson
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Patent number: 8302855Abstract: 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 also includes a display and a printer to produce records of financial transactions carried out with the machine. The card reader is operative to read and return card information read from the user card responsive. The automated banking machine may also include a check acceptor that is usable to determine a probability associated with the check being fraudulent.Type: GrantFiled: January 9, 2012Date of Patent: November 6, 2012Assignee: Diebold, IncorporatedInventors: Songtao Ma, Sangeeta Huria, Eric Klein, Tim Crews
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Patent number: 8286867Abstract: An automated banking machine operates to carry out financial transfers responsive to data read form data bearing records. The machine includes a card reader that operates to read data from user cards. The card data corresponds to financial accounts. The automated banking machine further includes a cash dispenser and a receipt printer. The machine is operative to dispense cash to an authorized user based on identifying data including read card data, and to cause a financial transfer from an account corresponding to read card data through communication with at least one remote computer. The machine includes a check acceptor that operates to determine magnetic symbols included on checks. Cash may be dispensed in exchange for a check received through operation of the check acceptor of the machine.Type: GrantFiled: December 22, 2011Date of Patent: October 16, 2012Assignee: Diebold, IncorporatedInventors: Martin J Brown, Todd Galloway, Robert W Barnett, Mike R. Ryan, James R Kay, Mark A Ward, David A Peters, Songtao Ma, Sangeeta Huria, Eric Klein, Tim Crews
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Patent number: 8225993Abstract: An automated banking machine is controlled responsive to data read from data bearing records. The automated banking 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 fraud devices. An anti-fraud sensing system is operative in the machine to sense the probable installation of unauthorized devices on the machine. Such unauthorized devices may include for example, fraudulent card reading devices, fraudulent keypad input intercepting devices, cash outlet trap devices, and deposit input diversion devices.Type: GrantFiled: August 19, 2011Date of Patent: July 24, 2012Assignee: Diebold Self-Service Systems division of Diebold, IncorporatedInventors: Randall W. Jenkins, Songtao Ma, Natarajan Ramachandran, Jeffery M. Enright, Dale H. Blackson
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Publication number: 20120175415Abstract: An automated banking machine operates responsive to data read from user cards to accept checks and dispense cash to authorized machine users. The machine can compare image data and magnetic data obtained from a check to determine the genuineness of the check. The machine can also determine whether a machine user is authorized to exchange a check for cash. A cash dispenser can be operated to dispense cash to a machine user in exchange for a deposited check. The machine dispenses the cash responsive to communications with a transaction host.Type: ApplicationFiled: March 23, 2012Publication date: July 12, 2012Applicant: DIEBOLD, INCORPORATEDInventors: Thomas A. VanKirk, Jon E. Washington, Brian Jones, William D. Beskitt, Harry Thomas Graef, David A. Peters, Damon J. Blackford, Dale H. Blackson, Edward L. Laskowski, Songtao Ma, Tim Crews, Wayne Warren, Martin J. Brown, Todd Galloway, Kenneth Turocy, Douglas T. Dominick, Jasen J. Smolk, Brian E. Lucas, Bradley Lightner, James Meek, Robert W. Barnett, Mike Ryan, James R. Kay, Mark A. Ward, Victor Bell, William McCarthy, Matthew Pahl, Keith Carpenter, Laura Drozda
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Publication number: 20120145782Abstract: An automatic banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to included devices to avoid exceeding power supply capacity.Type: ApplicationFiled: December 13, 2011Publication date: June 14, 2012Applicant: Diebold Self-Service Systems division of Diebold, IncorporatedInventors: Songtao Ma, Eric Toepke, Mike R. Ryan, Randall W. Jenkins, Natarajan Ramachandran, Thomas D. Ertle, Tim Crews, Willis Miller, Nick Billett, Steven Shepley, Dave Krzic, Victor A. Cogan
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Publication number: 20120138677Abstract: An automatic banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to included devices to avoid exceeding power supply capacity.Type: ApplicationFiled: December 13, 2011Publication date: June 7, 2012Applicant: Diebold Self-Service Systems division of Diebold, IncorporatedInventors: Songtao Ma, Eric Toepke, Mike R. Ryan, Randall W. Jenkins, Natarajan Ramachandran, Thomas D. Ertle, Tim Crews, Willis Miller, Nick Billett, Steven Shepley, Dave Krzic, Victor A. Cogan
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Publication number: 20120138676Abstract: 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 also includes a display and a printer to produce records of financial transactions carried out with the machine. The card reader is operative to read and return card information read from the user card responsive. The automated banking machine further includes a sheet detector that is operative to detect at least one property usable to distinguish between the presence or absence of a sheet and/or determine a property of the sheet.Type: ApplicationFiled: December 5, 2011Publication date: June 7, 2012Applicant: Diebold Self-Service Sytems division of Diebold, IncorporatedInventors: Songtao Ma, David Vidmar, Michael Russell, Larry Harmon, Eric Klein, Jeffery M. Enright, Mike P. Ryan, Wayne Wellbaum
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Patent number: 8181853Abstract: A banking system controlled responsive to data bearing records includes an automated banking machine which includes a deposit accepting device. Data read from a user card through operation of a card reader in the machine is used to determine if the data on the card corresponds to an account of an authorized machine user. The deposit accepting device is operative to receive a stack of sheets and to separate each sheet from the stack through operation of a picker. Each sheet is aligned with the sheet path and analyzed by analysis devices including at least one magnetic read head, an imager and/or a validation device. Sheets determined not to have at least one property of a genuine sheet are returned to a user of the machine. Sheets determined to have at least one property of genuine sheets are processed and stored in the machine. The machine operates to identify malfunctions of the deposit accepting device.Type: GrantFiled: May 13, 2008Date of Patent: May 22, 2012Assignee: Diebold Self-Service Systems division of Diebold, IncorporatedInventors: Tim Crews, Jeffrey E. Baer, William D. Beskitt, Damon J. Blackford, Thomas A. VanKirk, Mike P. Ryan, Jasen J. Smolk, Songtao Ma, David A. Peters
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Publication number: 20120104093Abstract: 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 also includes a display and a printer to produce records of financial transactions carried out with the machine. The card reader is operative to read and return card information read from the user card responsive.Type: ApplicationFiled: January 9, 2012Publication date: May 3, 2012Applicant: DIEBOLD, INCORPORATEDInventors: Songtao Ma, Sangeeta Huria, Eric Klein, Tim Crews
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Patent number: 8141774Abstract: An automated banking machine operates responsive to data read from user cards to accept checks and dispense cash to authorized machine users. The machine can compare image data and magnetic data obtained from a check to determine the genuineness of the check. The machine can also determine whether a machine user is authorized to exchange a check for cash. A cash dispenser can be operated to dispense cash to a machine user in exchange for a deposited check. The machine dispenses the cash responsive to communications with a transaction host.Type: GrantFiled: April 5, 2011Date of Patent: March 27, 2012Assignee: Diebold, IncorporatedInventors: Thomas A. VanKirk, Jon E. Washington, Brian Jones, William D. Beskitt, Harry Thomas Graef, David A. Peters, Damon J. Blackford, Dale H. Blackson, Edward L. Laskowski, Songtao Ma, Tim Crews, Wayne Warren, Martin J. Brown, Todd Galloway, Kenneth Turocy, Douglas T. Dominick, Jason J. Smolk, Brian E. Lucas, Bradley Lightner, James Meek, Robert W. Barnett, Mike Ryan, James R. Kay, Mark A. Ward, Victor Bell, William McCarthy, Matthew Pahl, Keith Carpenter, Laura Drozda
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Patent number: 8118217Abstract: An automated banking machine controlled responsive to data bearing records includes a card reader that reads identifying data from a user card. A host banking system authorizes operation of an automated banking machine responsive to computer verification of the identifying data. The automated banking machine can dispense cash to an authorized machine user in a cash dispensing transaction, and have the user's bank account charged for the cash amount dispensed. The automated banking machine may further acquire image and magnetic data from deposited checks to determine the genuineness of checks and the authority of a user to receive cash for such checks. Cash may be dispensed to the user from the automated banking machine in exchange for the deposited check.Type: GrantFiled: November 19, 2008Date of Patent: February 21, 2012Assignee: Diebold Self-Service Systems division of Diebold, IncorporatedInventors: Songtao Ma, David A. Peters