Patents by Inventor H. Thomas Graef
H. Thomas Graef 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: 10546468Abstract: An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data corresponding to financial accounts from user cards. The card data is linked in at least one data store to data indicating that the card data corresponds to a financial account that is authorized to be used to conduct at least one transaction through use of the automated banking machine. The automated banking machine may be used to carry out financial transfers involving financial accounts by users who are determined to be authorized users of such accounts. Data corresponding to a financial account can also be linked to a mobile wireless device so as to enable financial transfers by authorized users of such accounts.Type: GrantFiled: May 2, 2017Date of Patent: January 28, 2020Assignee: Diebold Nixforf IncorporatedInventors: Sathish M. Irudayam, Nicholas Schott, Willis Miller, Matthew R. Zaugg, James Block, H. Thomas Graef, Natarajan Ramachandran, Jeffrey M. Enright, Mark A. Douglass
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Patent number: 10515364Abstract: 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: July 13, 2018Date of Patent: December 24, 2019Assignee: Diebold Nixdorf, IncorporatedInventors: David Lewis, Natarajan Ramachandran, Mark A. Douglass, Timothy Crews, Songtao Ma, Randall W. Jenkins, H. Thomas Graef, Sathish M. Irudayam, Klaus Steinbach, Jeffery Enright
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Publication number: 20190213593Abstract: 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: ApplicationFiled: July 13, 2018Publication date: July 11, 2019Inventors: David Lewis, Natarajan Ramachandran, Mark A. Douglass, Timothy Crews, Songtao Ma, Randall W. Jenkins, H. Thomas GRAEF, Sathish M. Irudayam, Klaus Steinbach, Jeffery ENRIGHT
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Patent number: 10176466Abstract: Described herein is a technique for cashing a check at an automated banking machine. A check is presented via a check acceptor which obtains check data from the check, the check data comprises an amount. If the amount of the check is greater than a predetermined threshold, or limit, the user is asked to provide additional identification, such as a driver's license. A driver's license scanner reads data from the driver's license. The data read from a driver's license may include a hologram and/or a bar code.Type: GrantFiled: September 19, 2017Date of Patent: January 8, 2019Assignee: Diebold Nixdorf, IncorporatedInventors: James Block, H. Thomas Graef, Paul D. Magee, Donald S. Nelson, Jr., James Meek, Daniel S. McIntyre, Mark A. DePietro, Natarajan Ramachandran
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Patent number: 10068231Abstract: 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 6, 2017Date of Patent: September 4, 2018Assignee: Diebold Nixdorf, IncorporatedInventors: David N. Lewis, Klaus A. Steinbach, Jeffery M. Enright, Natarajan Ramachandran, Mark A. Douglass, Timothy Crews, Songtao Ma, Randall W. Jenkins, H. Thomas Graef, Sathish M. Irudayam
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Patent number: 9916736Abstract: In an example embodiment, an automated banking machine that allows a customer to employ a mobile wireless device for performing banking transactions. The customer may request assistance from a teller or other bank personnel at a remote location. An audio, and optionally video, communication may be initiated between the remote location and the customer. The customer may use either the automated banking machine, mobile wireless device, or both for communicating with the remote location.Type: GrantFiled: April 26, 2017Date of Patent: March 13, 2018Assignee: Diebold Nixdorf, IncorporatedInventors: James Block, H. Thomas Graef, Paul D. Magee, Donald Nelson, James Meek, Daniel S. McIntyre, Mark A. Depietro, Natarajan Ramachandran
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Publication number: 20180025336Abstract: An automated banking machine is operated at least in part to data read from data bearing records. The machine is operative to carry out a financial transfer responsive at least in part to a determination that data read through a card reader of the machine corresponds to a financial account that is authorized to conduct a transaction through operation of the machine. The machine also includes a check acceptor operative to receive checks from machine users. The check acceptor is operative image checks and data resolved from check images is used in operation of the machine to cause financial transfers.Type: ApplicationFiled: September 19, 2017Publication date: January 25, 2018Inventors: James Block, H. Thomas GRAEF, Paul D. Magee, Donald S. Nelson, JR., James Meek, Daniel S. McINTYRE, Mark A. DEPIETRO, Natarajan Ramachandran
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Patent number: 9858556Abstract: 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, 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.Type: GrantFiled: May 27, 2014Date of Patent: January 2, 2018Assignee: Diebold Nixdorf, IncorporatedInventors: Willis Miller, Matthew R. Zaugg, James Block, H. Thomas Graef, Natarajan Ramachandran, Jeffery M. Enright, Mark A. Douglass, Dale H. Blackson
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Patent number: 9830581Abstract: An automated banking machine is operated at least in part to data read from data bearing records. The machine is operative to carry out a financial transfer responsive at least in part to a determination that data read through a card reader of the machine corresponds to a financial account that is authorized to conduct a transaction through operation of the machine. The machine also includes a check acceptor operative to receive checks from machine users. The check acceptor is operative image checks and data resolved from check images is used in operation of the machine to cause financial transfers.Type: GrantFiled: December 1, 2016Date of Patent: November 28, 2017Assignee: Diebold Nixdorf, IncorporatedInventors: James Block, H. Thomas Graef, Paul D. Magee, Donald S. Nelson, Jr., James Meek, Daniel S. McIntyre, Mark A. Depietro, Natarajan Ramachandran
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Publication number: 20170243447Abstract: In an example embodiment, an automated banking machine that allows a customer to employ a mobile wireless device for performing banking transactions. The customer may request assistance from a teller or other bank personnel at a remote location. An audio, and optionally video, communication may be initiated between the remote location and the customer. The customer may use either the automated banking machine, mobile wireless device, or both for communicating with the remote location.Type: ApplicationFiled: April 26, 2017Publication date: August 24, 2017Inventors: James BLOCK, H. Thomas GRAEF, Paul D. MAGEE, Donald NELSON, James MEEK, Daniel S. McINTYRE, Mark A. DEPIETRO, Natarajan RAMACHANDRAN
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Publication number: 20170236101Abstract: An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data corresponding to financial accounts from user cards. The card data is linked in at least one data store to data indicating that the card data corresponds to a financial account that is authorized to be used to conduct at least one transaction through use of the automated banking machine. The automated banking machine may be used to carry out financial transfers involving financial accounts by users who are determined to be authorized users of such accounts. Data corresponding to a financial account can also be linked to a mobile wireless device so as to enable financial transfers by authorized users of such accounts.Type: ApplicationFiled: May 2, 2017Publication date: August 17, 2017Inventors: Sathish M. IRUDAYAM, Nicholas SCHOTT, Willis MILLER, Matthew R. ZAUGG, James BLOCK, H. Thomas GRAEF, Natarajan RAMACHANDRAN, Jeffrey M. ENRIGHT, Mark A. DOUGLASS
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Patent number: 9697699Abstract: An automated banking machine that includes a check acceptor that is operative to receive checks from authorized machine users. The check acceptor is operable to continuously move a received check along its transport path while simultaneously rotationally orienting the check into alignment with the transport path. A check determined not to have at least one property of an acceptable check is returned to the machine user. Acceptable checks are processed and stored in the machine.Type: GrantFiled: January 19, 2016Date of Patent: July 4, 2017Assignee: Diebold Self-Service Systems Division of Diebold, IncorporatedInventors: H. Thomas Graef, William Beskitt
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Patent number: 9691233Abstract: In an example embodiment, a document holding cassettes that can be used in an automated banking machine that includes circuitry that is wirelessly powered through inductive coupling. The cassette can wirelessly communicate with the automated banking machine through induction.Type: GrantFiled: September 12, 2016Date of Patent: June 27, 2017Assignee: Diebold Self-Service Systems, Division of Diebold, IncorporatedInventors: Kenneth Turocy, William Beskitt, Mike Ryan, Eric Klein, David A. Peters, H. Thomas Graef
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Publication number: 20170154334Abstract: 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: ApplicationFiled: February 6, 2017Publication date: June 1, 2017Inventors: David N. LEWIS, Jeffery M. ENRIGHT, Natarajan RAMACHANDRAN, Mark A. DOUGLASS, Timothy CREWS, Songtao MA, Randall W. JENKINS, H. Thomas GRAEF, Sathish M. IRUDAYAM, Klaus A. STEINBACH
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Patent number: 9640040Abstract: An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data corresponding to financial accounts from user cards. The card data is linked in at least one data store to data indicating that the card data corresponds to a financial account that is authorized to be used to conduct at least one transaction through use of the automated banking machine. The automated banking machine may be used to carry out financial transfers involving financial accounts by users who are determined to be authorized users of such accounts. Data corresponding to a financial account can also be linked to a mobile wireless device so as to enable financial transfers by authorized users of such accounts.Type: GrantFiled: August 9, 2013Date of Patent: May 2, 2017Assignee: Diebold Self-Service Systems division of Diebold, IncorporatedInventors: Sathish M. Irudayam, Nicholas Schott, Willis Miller, Matthew R. Zaugg, James Block, H. Thomas Graef, Natarajan Ramachandran, Jeffrey M. Enright, Mark A. Douglass
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Patent number: 9640041Abstract: In an example embodiment, an automated banking machine that allows a customer to employ a mobile wireless device for performing banking transactions. The customer may request assistance from a teller or other bank personnel at a remote location. An audio, and optionally video, communication may be initiated between the remote location and the customer. The customer may use either the automated banking machine, mobile wireless device, or both for communicating with the remote location.Type: GrantFiled: February 17, 2015Date of Patent: May 2, 2017Assignee: Diebold Self-Service Systems Div of Diebold, Inc.Inventors: James Block, H. Thomas Graef, Paul D. Magee, Donald S. Nelson, James Meek, Daniel S. McIntyre, Mark DePietro, Natarajan Ramachandran
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Publication number: 20170098205Abstract: An automated banking machine is operated at least in part to data read from data bearing records. The machine is operative to carry out a financial transfer responsive at least in part to a determination that data read through a card reader of the machine corresponds to a financial account that is authorized to conduct a transaction through operation of the machine. The machine also includes a check acceptor operative to receive checks from machine users. The check acceptor is operative image checks and data resolved from check images is used in operation of the machine to cause financial transfers.Type: ApplicationFiled: December 1, 2016Publication date: April 6, 2017Inventors: James Block, H. Thomas GRAEF, Paul D. Magee, Donald S. Nelson, JR., James Meek, Daniel S. McINTYRE, Mark A. DEPIETRO, Natarajan Ramachandran
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Patent number: 9607485Abstract: 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 card data is usable by the machine to authorize a user to carry out a financial transfer involving the account.Type: GrantFiled: June 28, 2016Date of Patent: March 28, 2017Assignee: 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
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Patent number: 9607483Abstract: In an example embodiment, an automated banking machine operable to perform cash withdrawals. If a withdrawal is below a threshold, authorization is obtained from a first transaction authorization computer. If a withdrawal is greater than or equal to the threshold, a first portion of the cash is dispensed responsive to authorization from a first transaction authorization computer and a second portion of the cash amount is dispensed responsive to authorization from a second transaction authorization computer.Type: GrantFiled: May 31, 2016Date of Patent: March 28, 2017Assignee: Diebold Self-Service Systems division of Diebold, IncorporatedInventors: James Block, H. Thomas Graef, Paul D. Magee, Donald S. Nelson, James Meek, Daniel S. McIntyre, Mark DePietro, Natarajan Ramachandran
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Patent number: 9595026Abstract: 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: June 21, 2016Date of Patent: March 14, 2017Assignee: Diebold Self-Service Systems Division of Diebold, IncorporatedInventors: David Lewis, Jeffery Enright, Natarajan Ramachandran, Mark A. Douglass, Timothy Crews, Songtao Ma, Randall W. Jenkins, H. Thomas Graef, Sathish M. Irudayam, Klaus Steinbach