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: 9542815Abstract: 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: GrantFiled: March 16, 2015Date of Patent: January 10, 2017Assignee: Diebold Self-Service Systems division of Diebold, IncorporatedInventors: Kenneth Turocy, William D. Beskitt, Mike P. Ryan, Eric Klein, Dave A. Peters, H. Thomas Graef, Bryan Simmons, Marko Savcic
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Publication number: 20160379452Abstract: 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: ApplicationFiled: September 12, 2016Publication date: December 29, 2016Applicant: 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: 20160371665Abstract: 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: June 21, 2016Publication date: December 22, 2016Applicant: 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
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Patent number: 9519896Abstract: 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: April 10, 2015Date of Patent: December 13, 2016Assignee: Diebold Self-Service Systems Division of Diebold, IncorporatedInventors: James Block, H. Thomas Graef, Paul D. Magee, Donald S. Nelson, Jr., James Meek, Daniel S. McIntyre, Mark DePietro, Natarajan Ramachandran
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Publication number: 20160307412Abstract: 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: ApplicationFiled: June 28, 2016Publication date: October 20, 2016Applicant: 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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Publication number: 20160275760Abstract: 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: ApplicationFiled: May 31, 2016Publication date: September 22, 2016Applicant: 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: 9443399Abstract: 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: March 14, 2014Date of Patent: September 13, 2016Assignee: 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: 20160240050Abstract: 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: February 17, 2015Publication date: August 18, 2016Applicant: Diebold Self-Service Systems, division of Diebold, IncorporatedInventors: James BLOCK, H. Thomas Graef, Paul D. Magee, Donald S. Nelson, JR., James Meek, Daniel S. Mclntyre, Mark DePietro, Natarajan Ramachandran
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Patent number: 9384637Abstract: In an example embodiment, there is disclosed herein a picker that is operable to separate an individual sheet from a stack of sheets. The picker has a first rotatable picker member that includes a first high friction peripheral arcuate segment, where the first picker member is rotatable about an axis, a second rotatable member that includes a second high friction peripheral arcuate segment, wherein the second picker member is rotatable about the axis, and a drive in operative connection with the first and second rotatable picker members. The stack includes a bounding sheet having a sheet face bounding a side of the stack. The first and second arcuate segments are operable to concurrently engage the sheet face. The first and second picker members are operable to be separately rotationally movable about the axis responsive to operation of the drive.Type: GrantFiled: March 17, 2014Date of Patent: July 5, 2016Assignee: Diebold Self-Service Systems, Division of Diebold, IncorporatedInventors: H. Thomas Graef, Michael Harty, William Beskitt, Sean Haney, Robert W Barnett, Bryan Simmons
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Patent number: 9378629Abstract: 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: May 26, 2015Date of Patent: June 28, 2016Assignee: 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: 9373114Abstract: 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: September 24, 2013Date of Patent: June 21, 2016Assignee: Diebold Self-Service Systems Division of Diebold, IncorporatedInventors: 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 Steinbach
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Patent number: 9367980Abstract: A deposit management system is operable responsive to data read from data bearing records. The system is associated with financial funds depositories. Each depository can accept items, such as deposit bags. Each depository includes a bar code reader that can read data from a bar code label that is located on a deposit bag. The system allows merchants to preregister a deposit before performing the deposit. A preregistered deposit is linked with a deposit identifier in a data store. The deposit identifier can be represented in a bar code. If the system determines that a depository read a bar code having a deposit identifier that corresponds in the data store to a preregistered deposit, then that depository is operated to automatically unlock its deposit entry door to permit the deposit. The system also allows merchants to review their deposit history.Type: GrantFiled: April 13, 2015Date of Patent: June 14, 2016Assignee: Diebold Self-Service Systems, Division of Diebold, IncorporatedInventors: H. Thomas Graef, J. Richard Hanna, Randall W. Jenkins, Robert V. Artino, Rodney Reese, Mark A. DePietro, Steven R. Davis, Michael Meffie
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Patent number: 9361767Abstract: A banking system is controlled responsive 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 for a person responsive to a determination that the person is an authorized user of the machine based on correspondence between identifying data read by a reader of the machine and data store information. The machine 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: May 26, 2015Date of Patent: June 7, 2016Assignee: Diebold Self-Service Systems, Division of Diebold, IncorporatedInventors: H. Thomas Graef, William Beskitt
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Patent number: 9355531Abstract: A deposit management system is operable responsive to data included on data bearing records. The system is associated with a plurality of financial funds depositories. Each depository can accept deposit items, such as deposit bags. Each depository includes a bar code reader that can read data from a bar code label that is located on a deposit bag. The system allows merchants to preregister a deposit before performing the deposit. A preregistered deposit is linked with a deposit identifier in a data store. The deposit identifier can be represented in a bar code. If the system determines that a bar code reader of a respective depository read a deposit identifier which corresponds in the data store to a preregistered deposit, then the respective depository is operated to automatically unlock its deposit entry door. The system also allows merchants to review their deposit history.Type: GrantFiled: December 18, 2013Date of Patent: May 31, 2016Assignee: Diebold Self-Service Systems, Division of Diebold, IncorporatedInventors: H. Thomas Graef, J. Richard Hanna, Randall W. Jenkins, Robert V. Artino, Rodney J. Reese, Mark A. Depietro, Steven R. Davis, Michael A. Meffie
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Patent number: 9355530Abstract: 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: March 11, 2013Date of Patent: May 31, 2016Assignee: Diebold Self-Service Systems Division of Diebold, IncorporatedInventors: James Block, H Thomas Graef, Paul D Magee, Donald S Nelson, Jr., James Meek, Daniel S McIntyre, Mark DePietro, Natarajan Ramachandran
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Publication number: 20160140812Abstract: 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: ApplicationFiled: January 19, 2016Publication date: May 19, 2016Inventors: H. Thomas Graef, William Beskitt
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Patent number: 9299226Abstract: 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: October 20, 2014Date of Patent: March 29, 2016Assignee: Diebold Self-Service Systems Division of Diebold, IncorporatedInventors: H. Thomas Graef, William D. Beskitt
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Patent number: 9240108Abstract: 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: October 20, 2014Date of Patent: January 19, 2016Assignee: Diebold Self-Service Systems Division of Diebold, IncorporatedInventors: H. Thomas Graef, William D. Beskitt
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Patent number: 9214046Abstract: 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 to the card data. The automated banking machine includes a sheet accepting device. The sheet accepting device is operative to receive a stack of sheets and to separate each sheet from the stack. Each sheet is aligned with a sheet path and analyzed by analysis devices including at least one magnetic read head, an imager, and/or a validation device. Sheets determined to have at least one property of a genuine sheet are processed and stored in the machine.Type: GrantFiled: July 1, 2014Date of Patent: December 15, 2015Assignee: Diebold Self-Service Systems Division of Diebold, IncorporatedInventors: Jeffery M. Enright, John E. Derimiggio, H. Thomas Graef, Kenneth Turocy, Mike R. Ryan, William D. Beskitt, Damon J. Blackford, Jeffrey M. Eastman, Steven Shepley
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Publication number: 20150287289Abstract: 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: ApplicationFiled: May 26, 2015Publication date: October 8, 2015Inventors: 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