최소 단어 이상 선택하여야 합니다.
최대 10 단어까지만 선택 가능합니다.
다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
NTIS 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
DataON 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Edison 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Kafe 바로가기국가/구분 | United States(US) Patent 등록 |
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국제특허분류(IPC7판) |
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출원번호 | US-0454040 (2017-03-09) |
등록번호 | US-10062062 (2018-08-28) |
발명자 / 주소 |
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출원인 / 주소 |
|
인용정보 | 피인용 횟수 : 0 인용 특허 : 854 |
An automated teller (ATM) machine providing unattended financial functions comprising financial account access to authorized ones of the users' financial accounts, withdraws from authorized ones of the users' financial accounts, deposits into authorized ones of the user's financial account. The ATM
An automated teller (ATM) machine providing unattended financial functions comprising financial account access to authorized ones of the users' financial accounts, withdraws from authorized ones of the users' financial accounts, deposits into authorized ones of the user's financial account. The ATM also provides unattended non-negotiable account functions including interactive account access to authorized ones of a set of non-negotiable fund accounts, conversions between value stored in authorized ones of the non-negotiable fund accounts and authorized ones of the user's financial accounts, and/or withdrawals of negotiable funds resulting from ATM machine conversions of a quantity of non-negotiable funds in authorized ones of the non-negotiable fund accounts into paper currency.
1. An automated teller machine (ATM) machine providing financial account access, enabling account withdrawals, and enabling account deposits, said ATM machine comprising: a card reader comprising hardware and circuitry for reading information from a set of access card to enable account access of a s
1. An automated teller machine (ATM) machine providing financial account access, enabling account withdrawals, and enabling account deposits, said ATM machine comprising: a card reader comprising hardware and circuitry for reading information from a set of access card to enable account access of a set of users' financial accounts, wherein each of the users' financial accounts comprises an accessible quantity of negotiable funds, wherein access to each of the users' financial accounts via the ATM machine is restricted to a set of users authorized as having access to respective ones of the users' financial accounts per successful authentication of information from the respective ones of the access card as read by the card reader;a screen for displaying options for logging in to the users' financial accounts, for conducting unattended financial functions, and for conducting unattended non-negotiable account functions, said unattended financial functions comprising financial account access to authorized ones of the users' financial accounts, withdraws from authorized ones of the users' financial accounts, deposits into authorized ones of the user's financial account, said unattended non-negotiable account functions comprising: an unattended non-negotiable account function for interactive account access to authorized ones of a set of non-negotiable fund accounts;at least one of: an unattended non-negotiable account function for conversions between value stored in authorized ones of the non-negotiable fund accounts and authorized ones of the user's financial accounts; andan unattended non-negotiable account function for withdrawals of negotiable funds resulting from ATM machine conversions of a quantity of non-negotiable funds in authorized ones of the non-negotiable fund accounts into paper currency;wherein each of the non-negotiable fund accounts consists of a quantity of non-fungible, non-negotiable units of exchange provided by an entity to an authorized account holder;machine-to-user interaction mechanisms enabling humans to interact with theATM machine to conduct the unattended financial functions and to conduct the unattended non-negotiable account functions;circuitry for conducting the unattended financial functions and for conducting the unattended non-negotiable account functions, said unattended non-negotiable account functions comprising: an unattended non-negotiable account function for converting a first quantity of loyalty program points of a loyalty program possessed by the member held in a first account of the non-negotiable fund accounts to a second quantity of different loyalty program points possessed by the member held in a second account of the non-negotiable fund accounts, wherein the loyalty program is a loyalty program of an entity, wherein the different loyalty program is a different loyalty program of a commerce partner, wherein the entity and the commerce partner are different legal entities and are not parent or subsidiary entities of each other, wherein the converting is explicitly permitted by terms of a mutual agreement established between the entity and the commerce partner;a bill presenter comprising hardware and circuitry for dispensing paper currency: responsive to withdrawals per the unattended financial functions; andresponsive to withdrawals per the unattended non-negotiable account functions. 2. The ATM machine of claim 1, said unattended non-negotiable account functions comprising: an unattended non-negotiable account function for conversions between value stored in authorized ones of the non-negotiable fund accounts and authorized ones of the user's financial accounts; andan unattended non-negotiable account function for withdrawals of negotiable funds resulting from ATM machine conversions of a quantity of non-negotiable funds in authorized ones of the non-negotiable fund accounts into paper currency. 3. The ATM machine of claim 1, wherein each of the non-negotiable fund accounts comprises earnings from a game of chance in the form of entertainment credits earned in a legal gambling establishment, said ATM machine being physically located within the gambling establishment, wherein each of the user's financial accounts are financial institution accounts not managed or controlled by the gambling establishment. 4. The ATM machine of claim 1, wherein each of the non-negotiable fund accounts comprises earnings from a game of chance in the form of entertainment credits earned in a legal gambling establishment, said ATM machine being physically located within the gambling establishment, wherein each of the user's financial accounts are financial institution accounts not managed or controlled by the gambling establishment. 5. The ATM machine of claim 1, said unattended non-negotiable account functions comprising: an unattended non-negotiable account function for redeeming quantities of non-negotiable credits for e-commerce transactions for goods and services, wherein the e-commerce transactions are conducted via the ATM machine. 6. The ATM machine of claim 1, said unattended non-negotiable account functions comprising: a token counter comprising hardware and circuitry for accepting and retaining tokens each representing a quantity of non-negotiable credits and for depositing a corresponding quantity of the non-negotiable credits into one of the non-negotiable accounts to which a current user of the ATM machine is authorized. 7. The ATM machine of claim 1, said unattended non-negotiable account functions comprising: a token counter comprising hardware and circuitry for accepting and retaining tokens each representing a quantity of non-negotiable credits and for depositing a corresponding quantity of the non-negotiable credits into one of the non-negotiable accounts to which a current user of the ATM machine is authorized. 8. The ATM machine of claim 1, said unattended non-negotiable account functions comprising: a reader comprising hardware and circuitry for accepting value digitally stored in a memory of a set of portable storage artifacts, for deducing quantities of non-negotiable credits from read ones of the portable storage artifacts and for depositing corresponding quantities of non-negotiable credits into respective ones of the non-negotiable accounts. 9. A kiosk providing financial account access, enabling account withdrawals, and enabling account deposits, said kiosk comprising: a screen for displaying options for logging in to the users' financial accounts, for conducting unattended financial functions, and for conducting unattended non-negotiable account functions, said unattended financial functions comprising financial account access to authorized ones of the users' financial accounts, withdraws from authorized ones of the users' financial accounts, deposits into authorized ones of the user's financial account, said unattended non-negotiable account functions comprising: an unattended non-negotiable account function for interactive account access to authorized ones of a set of non-negotiable fund accounts; andat least one of: an unattended non-negotiable account function for conversions between value stored in authorized ones of the non-negotiable fund accounts and authorized ones of the user's financial accounts; andan unattended non-negotiable account function for withdrawals of negotiable funds resulting from kiosk conversions of a quantity of non-negotiable funds in authorized ones of the non-negotiable fund accounts into paper currency;wherein each of the non-negotiable fund accounts consists of a quantity of non-fungible, non-negotiable units of exchange provided by an entity to an authorized account holder;machine-to-user interaction mechanisms enabling humans to interact with the kiosk to conduct the unattended financial functions and to conduct the unattended non-negotiable account functions;circuitry for conducting the unattended financial functions and for conducting the unattended non-negotiable account functions, one of the unattended non-negotiable account functions comprising: an unattended non-negotiable account function for converting a first quantity of loyalty program points of a loyalty program possessed by the member held in a first account of the non-negotiable fund accounts to a second quantity of different loyalty program points possessed by the member held in a second account of the non-negotiable fund accounts, wherein the loyalty program is a loyalty program of an entity, wherein the different loyalty program is a different loyalty program of a commerce partner, wherein the entity and the commerce partner are different legal entities and are not parent or subsidiary entities of each other, wherein the converting is explicitly permitted by terms of a mutual agreement established between the entity and the commerce partner. 10. The kiosk of claim 9, further comprising: a bill presenter comprising hardware and circuitry for dispensing paper currency: responsive to withdrawals per the unattended financial functions; and responsive to withdrawals per the unattended non-negotiable account functions. 11. The kiosk of claim 10, wherein each of the non-negotiable fund accounts comprises earnings from a game of chance in the form of entertainment credits earned in a legal gambling establishment, said kiosk being physically located within the gambling establishment, wherein each of the user's financial accounts are financial institution accounts not managed or controlled by the gambling establishment. 12. The kiosk of claim 10, said unattended non-negotiable account functions comprising: an unattended non-negotiable account function for redeeming quantities of non-negotiable credits for e-commerce transactions for goods and services, wherein the e-commerce transactions are conducted via the kiosk. 13. The kiosk of claim 10, said unattended non-negotiable account functions comprising: a token counter comprising hardware and circuitry for accepting and retaining tokens each representing a quantity of non-negotiable credits and for depositing a corresponding quantity of the non-negotiable credits into one of the non-negotiable accounts to which a current user of the kiosk is authorized. 14. The kiosk of claim 10, said unattended non-negotiable account functions comprising: a token counter comprising hardware and circuitry for accepting and retaining tokens each representing a quantity of non-negotiable credits and for depositing a corresponding quantity of the non-negotiable credits into one of the non-negotiable accounts to which a current user of the kiosk is authorized. 15. The kiosk of claim 10, said unattended non-negotiable account functions comprising: a reader comprising hardware and circuitry for accepting value digitally stored in a memory of a set of portable storage artifacts, for deducing quantities of non-negotiable credits from read ones of the portable storage artifacts and for depositing corresponding quantities of non-negotiable credits into respective ones of the non-negotiable accounts. 16. The kiosk of claim 10, further comprising: circuitry and hardware for an interactive game of chance played between humans and the kiosk through which a player earns quantities of non-negotiable credits deposited into a respective one of the non-negotiable accounts. 17. The kiosk of claim 9, said unattended non-negotiable account functions comprising: an unattended non-negotiable account function for conversions between value stored in authorized ones of the non-negotiable fund accounts and authorized ones of the user's financial accounts. 18. A conversion agency server for converting non-negotiable funds into the negotiable funds, said conversion agency server comprising circuitry for conducting unattended financial functions, and for conducting unattended non-negotiable account functions, said unattended financial functions comprising financial account access to authorized ones of the users' financial accounts, withdraws from authorized ones of the users' financial accounts, deposits into authorized ones of the user's financial account, one of the unattended non-negotiable account functions comprising:an unattended non-negotiable account function for converting a first quantity of loyalty program points of a loyalty program possessed by the member held in a first account of the non-negotiable fund accounts to a second quantity of different loyalty program points possessed by the member held in a second account of the non-negotiable fund accounts, wherein the loyalty program is a loyalty program of an entity, wherein the different loyalty program is a different loyalty program of a commerce partner, wherein the entity and the commerce partner are different legal entities and are not parent or subsidiary entities of each other, wherein the converting is explicitly permitted by terms of a mutual agreement established between the entity and the commerce partner;said unattended non-negotiable account functions further comprising: an unattended non-negotiable account function for interactive account access to authorized ones of a set of non-negotiable fund accounts; andat least one of: an unattended non-negotiable account function for conversions between value stored in authorized ones of the non-negotiable fund accounts and authorized ones of the user's financial accounts; andan unattended non-negotiable account function for withdrawals of negotiable funds resulting from kiosk conversions of a quantity of non-negotiable funds in authorized ones of the non-negotiable fund accounts into paper currency;wherein each of the non-negotiable fund accounts consists of a quantity of non-fungible, non-negotiable units of exchange provided by an entity to an authorized account holder. 19. The conversion agency server of claim 18, wherein the conversion agency server comprises a processor, a memory, and a non-transitory storage medium storing instructions for the unattended financial functions, wherein the conversion agency server provides back-end services for a set of automated teller machines (ATMs). 20. The conversion agency server of claim 18, said unattended non-negotiable account functions comprising: an unattended non-negotiable account function for conversions between value stored in authorized ones of the non-negotiable fund accounts and authorized ones of the user's financial accounts; andan unattended non-negotiable account function for withdrawals of negotiable funds resulting from ATM machine conversions of a quantity of non-negotiable funds in authorized ones of the non-negotiable fund accounts into paper currency.
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