Patents by Inventor James R. Kay
James R. Kay 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: 8628005Abstract: An automated banking machine system and method includes automated banking machines that operate responsive to data bearing records and accept checks and dispense cash to users. The automated banking machines are operated to 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 is dispensed to the user from the machine in exchange for the deposited check.Type: GrantFiled: October 5, 2011Date of Patent: January 14, 2014Assignee: Diebold, IncorporatedInventors: Wayne Warren, Dale H. Blackson, Edward L. Laskowski, Tim Crews, Victor Bell, William McCarthy, Matthew Pahl, Martin J. Brown, Todd Galloway, Robert W. Barnett, Mike Ryan, James R. Kay, Mark A. Ward, David A. Peters
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Patent number: 8613388Abstract: 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: March 23, 2012Date of Patent: December 24, 2013Assignee: 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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Patent number: 8573483Abstract: An automated banking machine operates to carry out financial transactions responsive to data bearing records including account data read from user cards. The banking machine may accept checks and dispense cash to users. The machine is operated to 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 is then dispensed to the user from the machine in exchange for the deposited checks.Type: GrantFiled: April 16, 2012Date of Patent: November 5, 2013Assignee: Diebold, IncorporatedInventors: Tim Crews, Keith Carpenter, Mike Ryan, Laura Drozda, Wayne Warren, Victor Bell, William McCarthy, Matthew Pahl, Martin J. Brown, Dale H. Blackson, Todd Galloway, Robert W. Barnett, James R. Kay, Mark A. Ward, David A. Peters, Edward L. Laskowski, H. Thomas Graef
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Patent number: 8517260Abstract: 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 machine further includes a cash dispenser and a receipt printer. The machine can dispense cash to an authorized user based on read card data including an identifier of an authorized financial account. The machine can cause a dispensed amount of cash to be transferred from the financial account through communication with at least one remote computer. The machine can also dispense cash in exchange for a check received through a check acceptor. The check acceptor includes a check imager that can scan a check to generate a check image. The check acceptor can read magnetic check data on a check and check data from a check image.Type: GrantFiled: October 15, 2012Date of Patent: August 27, 2013Assignee: 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: 8474697Abstract: An automated banking machine (10) operates responsive to data read from data bearing records to cause financial transfers. The machine includes a user interface (12) including an opening (20). Users of the machine deliver individual sheets and stacks of sheets to and from the machine through the opening. Stacks of sheets may include sheets such as notes, checks, or other documents. Stacks input to the machine may include mixtures of various types of sheets. The machine operates to receive notes, process checks, and perform other operations. Notes received in the machine may be recycled and dispensed to other users. Checks processed by the machine may be imaged by an imaging device, cancelled, and stored in the machine or alternatively returned to a user.Type: GrantFiled: September 22, 2011Date of Patent: July 2, 2013Assignee: Diebold IncorporatedInventors: Keith Carpenter, Craig Hockman, Willis Miller, Laura Drozda, Paul Burns, Thomas B. Phillips, John C. Valcore, H. Thomas Graef, Edward L. Laskowski, James Meek, Martin J. Brown, Todd Galloway, Robert W. Barnett, Mike Ryan, James R. Kay, Mark A. Ward, David A. Peters, Greg Miller, Arindam Laha, Joseph M. Altier
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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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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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Patent number: 8157163Abstract: An automated banking machine operates to carry out financial transactions responsive to data bearing records including account data read from user cards. The banking machine may accept checks and dispense cash to users. The machine is operated to 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 machine in exchange for the deposited checks.Type: GrantFiled: December 22, 2008Date of Patent: April 17, 2012Assignee: Diebold, IncorporatedInventors: Tim Crews, Keith Carpenter, Mike Ryan, Laura Drozda, Wayne Warren, Victor Bell, William McCarthy, Matthew Pahl, Martin J. Brown, Dale H. Blackson, Todd Galloway, Robert W. Barnett, James R. Kay, Mark A. Ward, David A. Peters, Edward L. Laskowski, H. Thomas Graef
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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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Publication number: 20120023018Abstract: An automated banking machine (10) operates responsive to data read from data bearing records to cause financial transfers. The machine includes a user interface (12) including an opening (20). Users of the machine deliver individual sheets and stacks of sheets to and from the machine through the opening. Stacks of sheets may include sheets such as notes, checks, or other documents. Stacks input to the machine may include mixtures of various types of sheets. The machine operates to receive notes, process checks, and perform other operations. Notes received in the machine may be recycled and dispensed to other users. Checks processed by the machine may be imaged by an imaging device, cancelled, and stored in the machine or alternatively returned to a user.Type: ApplicationFiled: September 22, 2011Publication date: January 26, 2012Applicant: Diebold, IncorporatedInventors: Keith Carpenter, Craig Hockman, Willis Miller, Laura Drozda, Paul Burns, Thomas B. Phillips, John C. Valcore, H. Thomas Graef, Edward L. Laskowski, James Meek, Martin J. Brown, Todd Galloway, Robert W. Barnett, Mike Ryan, James R. Kay, Mark A. Ward, David A. Peters, Greg Miller, Arindam Laha, Joe Altier
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Patent number: 8083136Abstract: 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 card data, and to cause a financial transfer from an account corresponding to 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: February 10, 2009Date of Patent: December 27, 2011Assignee: 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: 8052046Abstract: A card actuated automated banking machine system and method accepts checks and dispenses cash to users. The banking machine is operated to 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 is dispensed to the user from the banking machine in exchange for the deposited check.Type: GrantFiled: March 31, 2010Date of Patent: November 8, 2011Assignee: Diebold, IncorporatedInventors: Dale H. Blackson, Edward L. Laskowski, Tim Crews, Wayne Warren, Victor Bell, William McCarthy, Matthew Pahl, Martin J. Brown, Todd Galloway, Robert W. Barnett, Mike Ryan, James R. Kay, Mark A. Ward, David A. Peters
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Patent number: 8052045Abstract: An automated banking machine system and method includes automated banking machines that operate responsive to data bearing records and accept checks and dispense cash to users. The automated banking machines are operated to 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 is dispensed to the user from the machine in exchange for the deposited check.Type: GrantFiled: October 16, 2009Date of Patent: November 8, 2011Assignee: Diebold, IncorporatedInventors: Wayne Warren, Dale H. Blackson, Edward L. Laskowski, Tim Crews, Victor Bell, William McCarthy, Matthew Pahl, Martin J. Brown, Todd Galloway, Robert W. Barnett, Mike Ryan, James R. Kay, Mark A. Ward, David A. Peters
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Patent number: 8047429Abstract: An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to 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 is dispensed to the user from the ATM in exchange for the deposited check.Type: GrantFiled: February 16, 2010Date of Patent: November 1, 2011Assignee: Diebold, IncorporatedInventors: Wayne Warren, Dale H. Blackson, Tim Crews, Victor Bell, William McCarthy, Matthew Pahl, Martin J. Brown, Todd Galloway, Robert W. Barnett, Mike Ryan, James R. Kay, Mark A. Ward, David A. Peters, Edward L. Laskowski
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Patent number: 8025218Abstract: An automated banking machine (10) operates responsive to data read from data bearing records to cause financial transfers. The machine includes a user interface (12) including an opening (20). Users of the machine deliver individual sheets and stacks of sheets to and from the machine through the opening. Stacks of sheets may include sheets such as notes, checks or other documents. Stacks input to the machine may include mixtures of various types of sheets. The machine operates to receive notes, process checks and perform other operations. Notes received in the machine may be recycled and dispensed to other users. Checks processed by the machine may be imaged by an imaging device, cancelled and stored in the machine or alternatively returned to a user.Type: GrantFiled: September 21, 2009Date of Patent: September 27, 2011Assignee: Diebold, IncorporatedInventors: Keith Carpenter, Craig Hockman, Willis Miller, Laura Drozda, Paul Burns, Thomas B. Phillips, John C. Valcore, H. Thomas Graef, Edward L. Laskowski, James Meek, Martin J. Brown, Todd Galloway, Robert W. Barnett, Mike Ryan, James R. Kay, Mark A. Ward, David A. Peters, Greg Miller, Arindam Laha, Joseph M. Altier
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Publication number: 20110216960Abstract: 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: April 5, 2011Publication date: September 8, 2011Applicant: 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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Patent number: 8002177Abstract: An automated banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that reads data from user cards corresponding to financial accounts. The machine can communicate with a host computer to cash financial checks. The machine can read check indicia, send check data to the host, receive authorization from the host to cash the check, and dispense cash corresponding to the check. The machine can also produce image data representative of the check indicia and determine whether the image data can be accurately identified within a predetermined level of assurance.Type: GrantFiled: September 16, 2010Date of Patent: August 23, 2011Assignee: Diebold, IncorporatedInventors: James Meek, H. Thomas Graef, Edward L. Laskowski, Martin J. Brown, Todd Galloway, Robert W. Barnett, Mike Ryan, James R. Kay, Mark A. Ward, David A. Peters, Dale Blackson
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Patent number: 7931193Abstract: An automated banking machine that operates responsive to data read from user cards which accepts checks and dispenses cash to users. The machine operates to 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 in exchange for the deposited check. The machine dispenses cash responsive to communications with a transaction host.Type: GrantFiled: March 12, 2010Date of Patent: April 26, 2011Assignee: 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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Publication number: 20110013822Abstract: An automated banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that reads data from user cards corresponding to financial accounts. The machine can communicate with a host computer to cash financial checks. The machine can read check indicia, send check data to the host, receive authorization from the host to cash the check, and dispense cash corresponding to the check. The machine can also produce image data representative of the check indicia and determine whether the image data can be accurately identified within a predetermined level of assurance.Type: ApplicationFiled: September 16, 2010Publication date: January 20, 2011Inventors: James Meek, H. Thomas Graef, Edward L. Laskowski, Martin J. Brown, Todd Galloway, Robert W. Barnett, Mike Ryan, James R. Kay, Mark A. Ward, David A. Peters, Dale Blackson
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Patent number: 7840485Abstract: An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to 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 is then dispensed to the user from the ATM in exchange for the deposited check. The ATMs dispense cash responsive to communications with a transaction host. The transaction host provides transaction identifying data to the ATM. The ATM sends the transaction identifying data and check images to an image and transaction data server for processing.Type: GrantFiled: January 19, 2005Date of Patent: November 23, 2010Assignee: Diebold, Incorporated.Inventors: Wayne Warren, Victor Bell, William McCarthy, Matthew Pahl, Martin J. Brown, Dale H. Blackson, Todd Galloway, Robert W. Barnett, Mike Ryan, James R. Kay, Mark A. Ward, David A. Peters, Tim Crews