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).

  • Patent number: 10176466
    Abstract: 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: Grant
    Filed: September 19, 2017
    Date of Patent: January 8, 2019
    Assignee: Diebold Nixdorf, Incorporated
    Inventors: James Block, H. Thomas Graef, Paul D. Magee, Donald S. Nelson, Jr., James Meek, Daniel S. McIntyre, Mark A. DePietro, Natarajan Ramachandran
  • Patent number: 10068231
    Abstract: 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: Grant
    Filed: February 6, 2017
    Date of Patent: September 4, 2018
    Assignee: Diebold Nixdorf, Incorporated
    Inventors: 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
  • Patent number: 9916736
    Abstract: 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: Grant
    Filed: April 26, 2017
    Date of Patent: March 13, 2018
    Assignee: Diebold Nixdorf, Incorporated
    Inventors: James Block, H. Thomas Graef, Paul D. Magee, Donald Nelson, James Meek, Daniel S. McIntyre, Mark A. Depietro, Natarajan Ramachandran
  • Publication number: 20180025336
    Abstract: 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: Application
    Filed: September 19, 2017
    Publication date: January 25, 2018
    Inventors: James Block, H. Thomas GRAEF, Paul D. Magee, Donald S. Nelson, JR., James Meek, Daniel S. McINTYRE, Mark A. DEPIETRO, Natarajan Ramachandran
  • Patent number: 9858556
    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, 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: Grant
    Filed: May 27, 2014
    Date of Patent: January 2, 2018
    Assignee: Diebold Nixdorf, Incorporated
    Inventors: Willis Miller, Matthew R. Zaugg, James Block, H. Thomas Graef, Natarajan Ramachandran, Jeffery M. Enright, Mark A. Douglass, Dale H. Blackson
  • Patent number: 9830581
    Abstract: 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: Grant
    Filed: December 1, 2016
    Date of Patent: November 28, 2017
    Assignee: Diebold Nixdorf, Incorporated
    Inventors: James Block, H. Thomas Graef, Paul D. Magee, Donald S. Nelson, Jr., James Meek, Daniel S. McIntyre, Mark A. Depietro, Natarajan Ramachandran
  • Publication number: 20170243447
    Abstract: 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: Application
    Filed: April 26, 2017
    Publication date: August 24, 2017
    Inventors: James BLOCK, H. Thomas GRAEF, Paul D. MAGEE, Donald NELSON, James MEEK, Daniel S. McINTYRE, Mark A. DEPIETRO, Natarajan RAMACHANDRAN
  • Publication number: 20170236101
    Abstract: 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: Application
    Filed: May 2, 2017
    Publication date: August 17, 2017
    Inventors: Sathish M. IRUDAYAM, Nicholas SCHOTT, Willis MILLER, Matthew R. ZAUGG, James BLOCK, H. Thomas GRAEF, Natarajan RAMACHANDRAN, Jeffrey M. ENRIGHT, Mark A. DOUGLASS
  • Patent number: 9697699
    Abstract: 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: Grant
    Filed: January 19, 2016
    Date of Patent: July 4, 2017
    Assignee: Diebold Self-Service Systems Division of Diebold, Incorporated
    Inventors: H. Thomas Graef, William Beskitt
  • Patent number: 9691233
    Abstract: 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: Grant
    Filed: September 12, 2016
    Date of Patent: June 27, 2017
    Assignee: Diebold Self-Service Systems, Division of Diebold, Incorporated
    Inventors: Kenneth Turocy, William Beskitt, Mike Ryan, Eric Klein, David A. Peters, H. Thomas Graef
  • Publication number: 20170154334
    Abstract: 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: Application
    Filed: February 6, 2017
    Publication date: June 1, 2017
    Inventors: 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
  • Patent number: 9640040
    Abstract: 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: Grant
    Filed: August 9, 2013
    Date of Patent: May 2, 2017
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: Sathish M. Irudayam, Nicholas Schott, Willis Miller, Matthew R. Zaugg, James Block, H. Thomas Graef, Natarajan Ramachandran, Jeffrey M. Enright, Mark A. Douglass
  • Patent number: 9640041
    Abstract: 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: Grant
    Filed: February 17, 2015
    Date of Patent: May 2, 2017
    Assignee: 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
  • Publication number: 20170098205
    Abstract: 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: Application
    Filed: December 1, 2016
    Publication date: April 6, 2017
    Inventors: James Block, H. Thomas GRAEF, Paul D. Magee, Donald S. Nelson, JR., James Meek, Daniel S. McINTYRE, Mark A. DEPIETRO, Natarajan Ramachandran
  • Patent number: 9607485
    Abstract: 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: Grant
    Filed: June 28, 2016
    Date of Patent: March 28, 2017
    Assignee: Diebold Self-Service Systems, division of Diebold, Incorporated
    Inventors: 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
  • Patent number: 9607483
    Abstract: 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: Grant
    Filed: May 31, 2016
    Date of Patent: March 28, 2017
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: James Block, H. Thomas Graef, Paul D. Magee, Donald S. Nelson, James Meek, Daniel S. McIntyre, Mark DePietro, Natarajan Ramachandran
  • Patent number: 9595026
    Abstract: 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: Grant
    Filed: June 21, 2016
    Date of Patent: March 14, 2017
    Assignee: Diebold Self-Service Systems Division of Diebold, Incorporated
    Inventors: David Lewis, Jeffery Enright, Natarajan Ramachandran, Mark A. Douglass, Timothy Crews, Songtao Ma, Randall W. Jenkins, H. Thomas Graef, Sathish M. Irudayam, Klaus Steinbach
  • Patent number: 9542815
    Abstract: A banking system is controlled responsive, at least in part, to data read from data bearing records. The banking system includes an automated banking machine. The machine is operable to carry out a financial transaction responsive to a determination that data read from a data bearing record, such as a card that is read by a card reader in the machine, corresponds to stored information for an authorized user or financial account. The machine is operable to receive and dispense documents. The machine includes a check acceptor that is operative to receive checks and a cash dispenser that is operative to dispense cash. Document holding cassettes in the machine include circuitry that is wirelessly powered through inductive coupling. The machine can wirelessly read data from a cassette through use of induction.
    Type: Grant
    Filed: March 16, 2015
    Date of Patent: January 10, 2017
    Assignee: Diebold Self-Service Systems division of Diebold, Incorporated
    Inventors: Kenneth Turocy, William D. Beskitt, Mike P. Ryan, Eric Klein, Dave A. Peters, H. Thomas Graef, Bryan Simmons, Marko Savcic
  • Publication number: 20160379452
    Abstract: 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: Application
    Filed: September 12, 2016
    Publication date: December 29, 2016
    Applicant: DIEBOLD SELF-SERVICE SYSTEMS, DIVISION OF DIEBOLD, INCORPORATED
    Inventors: Kenneth TUROCY, William BESKITT, Mike RYAN, Eric KLEIN, David A. PETERS, H. Thomas GRAEF
  • Publication number: 20160371665
    Abstract: 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: Application
    Filed: June 21, 2016
    Publication date: December 22, 2016
    Applicant: Diebold Self-Service Systems Division of Diebold, Incorporated
    Inventors: David Lewis, Jeffery Enright, Natarajan Ramachandran, Mark A. Douglass, Timothy Crews, Songtao Ma, Randall W. Jenkins, H. Thomas Graef, Sathish M. Irudayam, Klaus Steinbach