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.
Note. An asterisk (*) denotes a term which is defined
in the glossary for this collection.
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.
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.
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.
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
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.
A data bearing record intended to identify either an account
or the record"s bearer, whereby authorization for a transaction* can
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.).
A plurality of electronic devices (components*)
functionally integrated to process data in order to perform a transaction*.
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.
An act between a user* and a monetary fiduciary
party (e.g., a financial institution) whereby monetary value is exchanged.
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.
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.
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.
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.
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.
TERMINAL* WITH MEANS PERMITTING DEPOSIT OR WITHDRAWAL (E.G.,
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 9. Subject matter wherein the container is located at a substantial
distance from the terminal*.
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).
Article Dispensing, appropriate subclass for a dispensing mechanism of general
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.
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
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.
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
subclasses 72+ for a selective or progressive number printer;
and subclasses 288+ for a bed-and-platen machine adapted
to print on a web.
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
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.
Fluent Material Handling, With Receiver or Receiver
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.;
Data Processing: Generic Control Systems or Specific
subclasses 91 through 93for computer analysis, management, monitoring,
or scoring of a contest or contestant not otherwise provided for.
Electrical Computers and Digital Data Processing
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.
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
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.
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*.
Static Structures (e.g., Buildings), appropriate subclass for building structure of general
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.
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.
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