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Natarajan Ramachandran, Philip Laier, Howard E Antram, Andrew Junkins, Arvind Srinivasan, Raymond J Schuster: Video and audio transmission apparatus for vehicle surveillance system. H V Technology, Ralph E Jocke, July 10, 2001: US06259475 (249 worldwide citation)

A video-audio surveillance system for a motor vehicle is suitable for observing blind spots as well as for providing security for the vehicle and its contents. The system includes audio-video transmission modules positioned at selected locations on the exterior and interior of the vehicle. An operat ...


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Natarajan Ramachandran: Multi-account card with magnetic stripe data and electronic ink display being changeable to correspond to a selected account. Diebold Self Service Systems division of Diebold Incorporated, Daniel D Wasil, Ralph E Jocke, Walker & Jocke, November 28, 2006: US07140550 (229 worldwide citation)

A multifunction card includes a programmable memory, a magnetic stripe, and an electronic ink display. The programmable memory is able to store corresponding account data and image data for a plurality of different accounts. The card holder is able to use a portable terminal to select one of the acc ...


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Natarajan Ramachandran, Gerald T Sedlock, Kim Raymond Lewis, Charles D Price III, Richard Calvin Lute Jr: Service method for automated banking machine. Diebold Incorporated, Ralph E Jocke, January 4, 2000: US06010065 (115 worldwide citation)

An automated banking machine (10) includes a housing (12) with a top assembly (40). Rollout trays (46) are mounted in the top assembly and have serviceable components supported thereon. Servicing is accomplished through method steps which include opening a service door (18) and separately extending ...


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Natarajan Ramachandran, Roy Mleziva, Jeffrey A Hill: Transaction apparatus and method that identifies an authorized user by appearance and voice. Diebold Incorporated, Ralph E Jocke, Daniel D Wasil, February 8, 2000: US06023688 (102 worldwide citation)

A financial transaction apparatus (30) includes a financial transaction machine (32). The machine includes devices (34) including transaction function devices (42, 44, 46, 48) for carrying out operations associated with financial transactions. The terminal also includes an imaging device (50) and an ...


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Natarajan Ramachandran: Cash withdrawal from ATM via videophone. DieBold Incorporated, Ralph E Jocke, Daniel D Wasil, Walker & Jocke, May 9, 2006: US07040533 (84 worldwide citation)

Apparatus and method for purchasing an item via a self-service checkout at a merchant store. The item is associated with a bar code and an anti-theft device. A customer uses their phone to establish communication with the store's transaction host. The phone includes a camera and a programmable memor ...


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Natarajan Ramachandran: Cash withdrawal from ATM via videophone. Diebold Self Service Systems division of Diebold Incorporated, Ralph E Jocke, Daniel D Wasil, Walker & Jocke, March 1, 2011: US07896235 (67 worldwide citation)

Apparatus and method for purchasing cash from an ATM. The ATM has a unique identifier visibly located thereon. A customer phone includes a camera and a programmable memory. The camera can be used to capture an image of the ATM's identifier. The memory includes customer account data. A customer uses ...


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Natarajan Ramachandran: Cash withdrawal from ATM via videophone. Diebold Incorporated, Ralph E Jocke, Daniel D Wasil, Walker & Jocke, December 9, 2008: US07461779 (58 worldwide citation)

Apparatus and method for purchasing cash from an ATM. The ATM has a unique identifier visibly located thereon. A customer phone includes a camera and a programmable memory. The camera can be used to capture an image of the ATM's identifier. The memory includes customer account data. A customer uses ...


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Natarajan Ramachandran: Wireless transfer of account data and signature from hand-held device to electronic check generator. Diebold Incorporated, Ralph E Jocke, Daniel D Wasil, Walker & Jocke, April 24, 2007: US07207477 (49 worldwide citation)

Apparatus and method for purchasing an item via a self-service checkout at a merchant store. The item is associated with a bar code and an anti-theft device. A customer uses their phone to establish communication with the store's transaction host. The phone includes a camera and a programmable memor ...