This cross-reference art collection provides for disclosures
of "systems", "components" of
systems, or "peripherals" to systems designed
to facilitate the exchange of monetary value via electronic means.
(1)
Note. An asterisk (*) denotes a term which is defined
in the glossary for this collection.
(2)
Note. It should be noted that this is a collection of only
corss-references of art. It is not a true "class" within
the meaning of that term in the U.S. Patent Classification System.
It is intended, however, to serve as a search tool within that
system. This collection cannot receive any U.S. patent as an "original";
any document placed in this collection is to be treated as a discretionary cross-reference.
(3)
Note. This cross-reference art collection provides a general
locus for information relating to electronic funds transfer systems,
as well as components of and peripherals to such systems. Based
upon prior development of the patent classification system, such
information can also be found in various classes. The particular
classification of a document is dependent on a number of different
considerations. The most pertinent classifications for subject matter
disclosing EFT systems, components, or peripherals have been screened; however,
it should be noted that this collection represents only an attempt
to collect this subject matter. It should not be construed as being
an exhaustive locus for EFT information. It will become more complete as
information continues to be added whenever it is discovered.
(4)
Note. Apparatus of this type enables a user to complete a
financial transaction* resulting in funds being transferred
either into or out of an account, the transaction involving digital
telecommunication between electronic devices and completed without
the direct intervention of another human.
(5)
Note. Data processing systems*, components* of
such systems (e.g., central processing units, communication networks, terminals,
etc.), and peripherals* (e.g., encryptors, card readers,
sheet feeders, data-input or data-output devices, bank cards, etc.)
have been included when disclosed as being for use in electronic
funds transfer (EFT). Some systems and devices of general utility
(i.e., containing no specific statement of use in (EFT) are also included
if they are considered to be readily adaptable for use in EFT.
An attempt has been made to provide search notes for pertinent devices
of general utility.
SECTION II - GLOSSARY
COMPONENT
A device within a data processing system* designed
to process data (e.g., encrypting, modulating, transmitting, receiving,
comparing, performing arithmetical calculations, etc.) after it
has been entered by a user* (i.e., input) in order to formulate
a response to the user (i.e., output) or to protect the data. Within
the context of this collection, system components generally include
a central data processor, a communication processor and network,
and terminals at points distant from the central data processor
and communicating with it through the communication components.
IDENTIFIER
A data bearing record intended to identify either an account
or the record"s bearer, whereby authorization for a transaction* can
be obtained.
PERIPHERAL
A device associated with a terminal*, either
as a subcombination adapted to enhance input or output of data (e.g.,
a printer for output, a voice recognizer for input, etc.), or in
combination with the terminal to add a disparate function (e.g.,
means to identify counterfeit money, a sheet feeder, etc.).
SYSTEM
A plurality of electronic devices (components*)
functionally integrated to process data in order to perform a transaction*.
TERMINAL
A component* of a system* designed
for interaction with a user*, having both input means for
receiving data from the user and output means for transmitting data
to the user. A terminal is often combined with one or more peripheral* devices
to form a structural unit.
TRANSACTION
An act between a user* and a monetary fiduciary
party (e.g., a financial institution) whereby monetary value is exchanged.
USER
A person interacting with the system* to perform
a transaction* with a monetary fiduciary party. The user initiates
the transaction by operating the terminal*.
Subject matter under the cross-reference art collection
definition including an electronic devices adapted to protect the
system* from fraudulent use.
(1)
Note. Included in this subclass and its indents are devices
designed to discourage fraudulent use of the apparatus, to guard
a terminal*"s environment, to protect the confidentiality
of transaction* date, etc.
This subclass is indented under subclass 1. Subject matter including means to prevent fraudulent use
of transaction* information in communication between a
terminal and a central processor.
Communications: Electrical, subclass 5.26 for varying code authorization control system
by scrambling, and
subclasses 5.8 through 5.8for selective electrical authentication of
communications
Telephonic Communications, appropriate subclass for a device contributing to the security
of communication over telephone lines, particularly
subclasses 32.01 through 32.05for circuitry responsive to an abnormal condition.
Data Processing: Financial, Business Practice,
Management, or Cost/Price Determination,
subclasses 64 through 99for an EFT transaction which is cryptographically
secured.
Electrical Computers and Digital Processing Systems:
Support,
subclasses 182 through 186for system access control based on cryptographic
user identification.
This subclass is indented under subclass 1. Subject matter including means to analyze a physiological
characteristic of a user (e.g., a fingerprint, handprint, etc.).
Dynamic Magnetic Information Storage or Retrieval,
subclass 2 for means to record data on, or reproduce data from,
a card having a uniform magnetic coating.
Data Processing: Financial, Business Practice,
Management, or Cost/Price Determination,
subclasses 64 through 79for an EFT transaction which is cryptographically
secured.
Electrical Computers and Digital Processing Systems:
Support,
subclasses 182 through 186for system access control based on cryptographic
user identification.
This subclass is indented under subclass 4. Subject matter including means to ascertain that the identifier
is presented by its proper user; e.g., enabling the user to enter
a "personal identification number" (PIN) and comparing
it with the PIN assigned to that identifier.
Communications: Electrical,
subclasses 5.8 through 5.86,particularly subclasses 5.81 through 5.84 for
personal identification, and subclass 5.85 for personal identification
by password, and subclass 5.4-5.42 for credit authorization control
for selective electrical authentication of communications.
Data Processing: Financial, Business Practice,
Management, or Cost/Price Determination,
subclasses 64+ for an EFT transaction which is cryptographically
secured.
This subclass is indented under subclass 1. Subject matter including a facsimile creating device adapted
to capture an image of a terminal* or its environment.
This subclass is indented under subclass 1. Subject matter including a mechanism adapted to distinguish
between genuine money and an imitation thereof.
TERMINAL* WITH MEANS PERMITTING DEPOSIT OR WITHDRAWAL (E.G.,
ATM):
Subject matter under the cross-reference art collection
definition including a terminal* and a peripheral* adapted
to either (a) accept material deposited by a user*, or
(b) convey material to be withdrawn to a user.
Data Processing: Financial, Business Practice,
Management, or Cost/price Determination,
subclasses 39+ for a data processing electronic funds transfer
system; particularly subclass 43 for such a system with an ATM interface.
This subclass is indented under subclass 8. Subject matter including a container adapted to receive
valuables, and means to selectively restrict access to its interior.
Safes, Bank Protection, or a Related Device,
subclass 24.1 for a depository with verification indicia applying means;
and subclass 66 for a closure for depositories.
Deposit and Collection Receptacles,
subclass 1 for a money holder; subclass 4 for a savings box;
and subclass 15 for a collection device having a secure receptacle.
This subclass is indented under subclass 9. Subject matter wherein the container is located at a substantial
distance from the terminal*.
(1)
Note. In apparatus found in this subclass, the receptacle
is configured separately from the structural unit including the
terminal, and valuables must travel from the receptacle to the terminal
(e.g., via robotic handler or pneumatic conveyor).
Conveyors: Fluid Current, appropriate subclass for pneumatic conveyors of general
utility, particularly
subclasses 10+ for such a conveyor which is responsive to a sensed
condition.
This subclass is indented under subclass 9. Subject matter wherein the container is adapted both to
receive valuables deposited by a user and to release them for subsequent
dispensing.
(1)
Note. The valuables (e.g., coins, currency) are stored within
a single container, while the inlet and outlet ports and travel
paths may or may not be shared.
Article Dispensing, appropriate subclass for a dispensing mechanism of general
utility; particularly
subclasses 2+ for a dispenser with a recorder, register, indicator,
signal, or exhibitor, subclasses 9+ for a dispenser with
an automated control, subclass 15 for a dispenser with a timing
or delay mechanism, subclass 21 for a dispenser with a malfunction responsive
device; subclasses 92+ for apparatus dispensing from plural sources,
and subclasses 208+ for a dispenser with a discharge assistant.
This subclass is indented under subclass 14. Subject matter including a device for conveying a sheet
of flexible money from storage to a position for dispensing.
Article Dispensing,
subclasses 33+ for a dispenser with means for separating and distorting
a flexible article being dispensed; subclass 67 for a dispenser
having means to dispense articles from a staggered stack; and subclass
259 for a dispenser with a discharge assistant having surface contacting
means.
Sheet Feeding or Delivering, appropriate subclass for a mechanism designed to handle
currency, particularly
subclasses 3.01+ for a mechanism adapted to both feed and deliver.
This subclass is indented under subclass 15. Subject matter including means for sensing the unintentional,
simultaneous conveyance of a plurality of sheets.
This subclass is indented under subclass 8. Subject matter including a detail of either (a) a device
for conveying an article (e.g., a receipt or envelope), or (b) a
device for enumerating a plurality of articles.
Package Making,
subclass 53 for a mechanism designed to create a package having
a condition responsive control for separate delivery of incomplete
or defective packages.
Conveyors: Power-Driven,
subclasses 418+ for conveyors with means for establishing and moving
a group of articles; and subclasses 502.1+ for a conveyor
with an alarm, weight responsive means, or means for counting.
Printing, appropriate subclass for printers of general utility, and
particularly
subclasses 72+ for a selective or progressive number printer;
and subclasses 288+ for a bed-and-platen machine adapted
to print on a web.
Coded Data Generation or Conversion,
subclasses 173+ for a code transmitter for messages with limited content,
particularly subclasses 20+ for a keyboard, per se.
Computer Graphics Processing and Selective Visual
Display Systems,
subclasses 156+ for a visual display system with selective electrical
control having specific input means (e.g. a touch-screen).
Data Processing: Speech Signal Processing, Linguistics,
Language Translation, and Audio Compression/Decompression,
subclasses 231+ for voice-actuated input means of general utility.
This subclass is indented under subclass 8. Subject matter wherein significance is attributed to a means
for imparting information relative either to data within the system*,
or a condition of the terminal*, to the user* (e.g.,
a monitor providing visual output, a sound system providing audible
output, etc.).
Communications: Electrical, appropriate subclass for electrical systems adapted for
communication with a user, particularly
subclasses 815.4+ for a visual indicator; and subclasses 384.1+ for
an electronic audible indicator.
Computer Graphics Processing and Selective Visual
Display Systems, appropriate subclasses for visual display systems
with selective electrical control.
Data Processing: Speech Signal Processing, Linguistics,
Language Translation, and Audio Compression/Decompression,
subclasses 200+ for speech signal processing.
TERMINAL* REGISTERS TRANSACTION* (E.G.,
POINT OF SALE TERMINAL):
Subject matter under the cross-reference art collection
definition including means for recording data pertinent to a transaction*.
(1)
Note. This subclass includes disclosures of a terminal adapted
for use in applications where goods or services are purchased, and
information about a purchase transaction is recorded.
Fluent Material Handling, With Receiver or Receiver
Coacting Means,
subclasses 94 and 98 for means to electronically identify a customer,
record the purchase data, and generate an invoice for gasoline purchased
at a service station.
Registers, appropriate subclass for sales registers, and particularly
subclass 380 for means to approve a transaction based upon a
comparison of information on an identifier* with information
stored in a computer.
Subject matter under the cross-reference art collection
definition designed for use in transactions* whose stated
purpose is recreation or entertainment; e.g., for placing or settling
a wager, purchasing television viewing time, etc.;
Amusement Devices, Games, particularly
subclasses 25+ for credit/debit monitoring or manipulation
(e.g., game entry, betting, prize level, etc.) in a game that includes
electronic data processing.
Data Processing: Generic Control Systems or Specific
Applications,
subclasses 91 through 93for computer analysis, management, monitoring,
or scoring of a contest or contestant not otherwise provided for.
FOR USE WITH GENERAL PURPOSE TERMINAL* (E.G.,
HOME BANKING):
Subject matter under the cross-reference art collection
definition specifically designed to be used with a nondedicated
terminal* (e.g., a personal computer) in performing a transaction*.
Electrical Computers and Digital Processing Systems:
Multicomputer Data Transferring, appropriate subclassesfor data transferring among multiple computer systems.
Electrical Computers and Digital Data Processing
Systems: Input/Output,
subclasses 1+ for transferring data from one or more peripherals
to one or more computers for the latter to process, store, or further
transfer or for transferring data from the computers to the peripherals.
Radiant Energy,
subclasses 555+ for a photocell controlled circuit including a
coded identifier; and subclasses 566+ for an optical or
pre-photocell system including a coded identifier.
Printed Matter,
subclasses 72+ for a printed article including an enhancement
(e.g., a cryptogram, microfilm, etc.) making it suitable for use
as an identifier (particularly subclass 75 for a personal identifier,
and subclasses 107+ for printed matter having a plastic
laminate); and art collections 901 for printed matter with concealed
data and 904 for credit cards.
This subclass is indented under subclass 25. Subject matter wherein the identifier* carries microprocessor
circuitry.
(1)
Note. The microprocessor circuitry may simply comprise a
memory medium (e.g., a register circuit), or it may perform some
or all of the processing functions of a terminal*. Both
are considered to be "smart cards," and are to
be found in this subclass.
Active Solid-State Devices (e.g., Transistors,
Solid-State Diodes),
subclass 922 for devices with means to prevent inspection or
tampering, e.g., smart card devices.
Data Processing: Financial, Business Practice,
Management, or Cost/Price Determination,
subclass 41 for a financial data processing system operated
by a record carried processor (e.g.,"smart card").
This subclass is indented under subclass 25. Subject matter wherein the identifier* carries
a magnetic data-storage medium encoded with electronically readable
data.
Stock Material or Miscellaneous Articles, art collections 911 for a penetration resistant
layer on a laminated card and 916 for a card permitting detection
of fraud or tampering.
This subclass is indented under subclass 30. Subject matter including a means for preventing unauthorized
access to the terminal*, wherein the access-preventing
means can be disabled by an authorized user*.
Movable or Removable Closures,
subclass 31 for a movable closure responsive to a predetermined
condition; and subclass 35 for a closure whose movement is controlled
by a check or key.
Conveyors: Fluid Current, appropriate subclass for pneumatic conveyors of general
utility, particularly
subclasses 10+ for such a conveyor which is responsive to a sensed
condition.
Static Structures (e.g., Buildings), appropriate subclass for building structure of general
utility, particularly
subclasses 64+ for a barrier or section mounted so as to be separable from
the rest of the structure; and subclasses 79.1+ for a preassembled
portion of a building.
Building Units and Construction Elements,
subclass 16 for design features of booth-like structures; and subclass
33 for design features of structures which fully enclose their occupants.
Subject matter under the cross-reference art collection
definition wherein significance is attributed to a component* behind
the terminal*.
(1)
Note. "Behind the terminal" refers
to a component within the system* and inaccessible to a
user*; e.g., a communication
device or a central processor.
Data Processing: Financial, Business Practice, Management, or
Cost/Price Determination,
subclass 1.1 for a business or financial data processing system.
This subclass is indented under subclass 37. Subject matter including means for detecting or correcting
either (a) a change in information content of
transaction* data from that which is correct, or (b) a
failure or malfunction of a component*.
Error Detection/Correction and Fault Detection/Recovery, appropriate subclasses for error or fault recovery means
of general utility, particularly
subclasses 3+ for systems which recover from a component failure
by replacement with a spare.
Data Processing: Financial, Business Practice, Management, or
Cost/Price Determination,
subclasses 64+ for an EFT transaction which is cryptographically
secured.
Data Processing: Financial, Business Practice, Management, or
Cost/Price Determination,
subclass 1.1 for a business or financial data processing system.
Note: The Patent
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Trademark Depository Libraries authorized by 35 U.S.C. 13 to: Disseminate
Patent and Trademark Information Support Diverse Intellectual Property
Needs of the Public. PTDL Contact Information
Note: For information/comments on electronic information products, such
as purchasing USPTO data, or to discuss system requirements for magnetic
tape products, contact:
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