178results about "ATM depositing" patented technology

A computer system for automatically handling and releasing funds for deposit items has a memory storing instructions that, when executed by a processor, cause the system to receive an image of a cheque received and scanned by an automated teller machine (ATM) for deposit into a first account of an institution associated with the ATM. The scanned image of the cheque is analyzed to identify an institution and account on which that cheque is drawn. If that account has sufficient available funds to cover the cheque, then the first account is credited in the amount of the cheque without placing a hold on any of the credited amount and funds of the account on which the cheque is drawn are encumbered in that same amount. After crediting the first account, an indication is provided that the funds are available (e.g., to withdraw). Related methods and computer-readable media are also disclosed.

A mobile device configured to be carried by a user enables the user to wirelessly request delivery of tangible items including cash. If an amount of value associated with the request is authorized by a remote system, the mobile device is usable to request delivery of at least one tangible item at a user specified delivery location through communication with at least one delivery service terminal of a delivery service. The mobile device receives a transaction details message from the delivery service indicating the deliverable items and the delivery location. Sending a confirmation message with the mobile device which indicates that the user agrees with the information in the transaction details message, causes the tangible items to be delivered to the user at the specified location.

After loss of communications between a cash handling device and a financial institution, transactions may continue to be processed. In one configuration, the transactions may be processed up to a predefined transaction limit. Transaction limits may be defined by a number of transactions, a dollar amount transacted or to be transacted, an amount of time and / or combinations thereof. Additionally or alternatively, the transaction limit may be specific to one or more types of transactions. Transaction data may be stored in memory until communication has been re-established, at which time the data may be transmitted to the financial institution for processing.

A bill processor is provided with a bill validator that may receive, from a mobile terminal, telecommunication signals inclusive of electronic currency information to store it in a stacker memory of a bill stacker. The bill processor includes an interface (80) for receiving electronic currency information transmitted from a mobile terminal (70), a bill validator (1) that has a validation transceiver (3) for receiving the electronic currency information transmitted from the interface (80) and a bill stacker (2) for accumulating bills considered genuine by and forwarded from the bill validator (1) so that the validation transceiver (3) of the bill validator (1) transmits electronic currency information to a stacker transceiver (21) of a bill stacker (2) that then sends the information to a stacker memory (22) of the bill stacker (2) to finally store the information in the stacker memory (22).

In order to adjust the amount of money in a transaction apparatus installed in a store, a transaction system includes: a money handling unit that receives money, and recognizes and counts the received money to acquire a first total amount of the received money and a quantity of money for each denomination; a memory that stores therein a transaction condition including a transaction fee rate previously set for each denomination; and a processing unit that calculates, for each denomination, an amount of money by multiplying the quantity of money for each denomination by the transaction fee rate, based on the quantity of money and the transaction condition, and performs processing on a transaction of the received money, based on the first total amount acquired by the money handling unit and on a second total amount calculated by summing up the calculated amounts of money for the respective denominations.

A mobile wireless device (100) in the configuration of user wearable glasses includes at least one lens including at least one transparent display (110). The at least one display is operable to provide visual outputs that are visually perceivable to the user of the device. The user is enabled to see through the at least one lens, physical surroundings in a direct field of view. The device includes at least one input device (116, 122, 114) which receives user inputs. At least one circuit is in operative connection with the at least one display, the at least one input device, a data store (106) and a wireless transceiver (120). At least one user input is operative to cause the device to communicate at least one wireless message which includes data usable to identify a financial account. At least one remote circuit is operative responsive to the at least one wireless message to cause a financial transfer to or from the financial account.

Provided is a method of stacking media in a media storage unit, which includes: receiving information about a length of a medium entering a media storage unit; calculating a delay time of a stopper corresponding to the length of the medium; and applying a delay time of the stopper calculated for each medium entering the media storage unit to differentially control activation of the stopper for each medium.

Systems, methods, and computer-readable storage media for automated teller machine (ATM) recycling and merchant operations. One method includes receiving, via a communication session from a user device, a merchant voucher distributed by a merchant, and initiating an ATM session. The method further includes determining a value of the merchant voucher, and presenting, via a display interface of the ATM, a request for the determined value. The method further includes receiving a deposit regarding the determined value of the merchant voucher, and converting the merchant voucher to at least one of a token or a code, the at least one of the token or the code being embedded with an indicator regarding the determined value, information regarding the merchant voucher, and a unique identifier. The method further includes transmitting, to the user device, the at least one of the token or the code, and updating a ledger of the merchant.

A plate stability apparatus includes plates and vertical members to handle media being dispensed, deposited, and / or rejected. The plates lock into the vertical members when the plates reach a desired vertical position for a given media operation within a media separator of a deposit and dispense module. This prevents the plates from tilting and moving while the plates remain level for the media operation. This in turn prevents device faults and media jams within the deposit and dispense module during the media operation.

Sensors are mounted to surfaces of an intermediate module and a lower module of a media handling device. The sensors report to firmware and the firmware determines whether the lower module is in proper alignment with the intermediate module based on the reported sensor data. A spring plunger is configured with sufficient tension to push the lower module into alignment and a motorized latch controlled by the firmware is configured to pull the lower module into alignment and / or assist the spring plunger in pushing the lower module into alignment. In an embodiment, a lid and a lid alignment rail apparatus is provided to ensure a lid of the lower module is properly latched, aligned, and unlatched.

Systems and methods relate to an automated teller machine (ATM). The ATM includes a storage repository configured to store a non-monetary media and at least one processor and at least one memory coupled to the at least one processor. The memory has instructions thereon that when executed, cause the at least one processor to, in a first instance, receive, via an input device, a first user input from a user of the ATM regarding a transaction involving the non-monetary media. Additionally, responsive to receiving the first user input, the ATM receives, via at least one media aperture, non-monetary media for storing in the storage repository and provides, via an output device, an access credential associated with the transaction. In a second instance after the first instance, the ATM receives the access credential, validates the access credential, and provides the non-monetary media from the storage repository to the user.

Differentiation of access within the metaverse. According to one aspect, a metaverse visualization of an environment is modified as viewed by an avatar upon access of the environment by another avatar. According to another aspect, access of an avatar to a restricted access environment within the metaverse enables trusted avatars selective access to the restricted access environment together with the avatar.

In order to adjust the amount of money in a transaction apparatus installed in a store, a transaction system includes: a money handling unit that receives money, and recognizes and counts the received money to acquire a first total amount of the received money and a quantity of money for each denomination; a memory that stores therein a transaction condition including a transaction fee rate previously set for each denomination; and a processing unit that calculates, for each denomination, an amount of money by multiplying the quantity of money for each denomination by the transaction fee rate, based on the quantity of money and the transaction condition, and performs processing on a transaction of the received money, based on the first total amount acquired by the money handling unit and on a second total amount calculated by summing up the calculated amounts of money for the respective denominations.

Provided is a method of stacking media in a media storage unit, which includes: receiving information about a length of a medium entering a media storage unit; calculating a delay time of a stopper corresponding to the length of the medium; and applying a delay time of the stopper calculated for each medium entering the media storage unit to differentially control activation of the stopper for each medium.

A staging plate for an automated teller machine (ATM) is described herein. The staging plate can include a first surface configured to support media inserted into a pocket of the ATM, and a second surface connected to the first surface. The second surface can be configured to guide media handled by a user to the first surface.

Computer implemented systems and methods are provided for an automatic teller machine. In some embodiments, an automatic teller machine may comprise a touch-sensitive display, one or more memory devices storing instructions, and one or more processors. The one or more processors may be configured to receive authentication data associated with a user, retrieve user profile information based on the authentication data, determine user interface attributes based on the user profile information; and generate an automatic teller machine interface based on the user profile information.

A cash handling device having at least one processor, a communication interface, an item accepting device, an item dispensing device, an internal currency scanning system, an internal currency transport system, one or more currency storage cartridges, and a memory may receive, from a user, a request to perform a deposit transaction. Based on receiving the request to perform the deposit transaction, the cash handling device may receive at least one deposit item for deposit. Subsequently, the cash handling device may validate the at least one deposit item received for deposit. Based on validating the at least one deposit item received for deposit, the cash handling device may generate a deposit transaction record that includes information directing a banking server to apply a provisional credit to a treasury account associated with the user. Subsequently, the cash handling device may send the deposit transaction record to the banking server.

The present invention discloses a large-denomination deposit machine, which includes a safe. A banknote bag module is installed inside the safe, and the banknote bag module uses banknote bags to hold the deposited banknotes. A sorting module is installed above the safe, and the sorting module is used to sort the banknotes to be deposited. The sorting module is respectively provided with a first channel, a second channel, and a third channel. The first channel is selectively communicated with the second channel and the third channel through a reversing plate. The second channel is communicated with a banknote return plate so as to input the banknotes into the banknote return plate. The third channel is communicated with a banknote receiving table so as to stack the banknotes input into the banknote receiving table. The lower part of the banknote receiving table is directly or indirectly communicated with the banknote bags of the banknote bag module, so that the banknotes discharged from the banknote receiving table enter the banknote bags for storage. The present invention can realize the sorting, selection, temporary storage, and storage of banknotes, and can be attended by a machine throughout the process, so as to realize self-service large-denomination deposit. The deposits are finally stored in the banknote bags, and the staff only need to replace the banknote bags in the later stage.

The invention discloses a banknote pressing mechanism and financial equipment, and belongs to the technical field of financial equipment. The paper money pressing mechanism comprises a box body, a paper money pressing assembly and an elastic reset piece, the box body forms a containing space, and the containing space is used for containing stacked financial media; at least part of the banknote pressing assembly is located in the containing space, the banknote pressing assembly comprises a banknote pressing plate, a banknote pressing arm and an elastic piece, the banknote pressing arm is movably connected with the box body and the banknote pressing plate, the elastic piece is connected with the banknote pressing plate and the banknote pressing arm, and the banknote pressing arm is movably connected with the banknote pressing plate and the banknote pressing arm. The driving module is used for driving the banknote pressing plate to always press the financial medium without external force; and the elastic reset piece is arranged between the banknote pressing arm and the box body and is used for driving the banknote pressing arm to always press the financial medium under the condition of no external force. The banknote pressing mechanism can adapt to financial media with different thicknesses, provides effective and stable pressure for the financial media all the time, improves the banknote separating efficiency, and improves the overall performance and reliability of the banknote pressing mechanism.

A valuable medium handling apparatus and the like capable of allowing a deposit operator to perform depositing through an easy-to-understand operation are provided. A depositing machine 10 is a valuable medium handling apparatus for depositing proceeds obtained from sales commodities or provision of services by a deposit source, and includes an acquisition unit 114 configured to acquire a type of the deposit source, and a determination unit 117 configured to determine a handling date of proceeds to be deposited, according to the type of the deposit source acquired by the acquisition unit 114.

A medium processing apparatus, including: a banknote device configured to process a banknote, including a banknote device door arranged at an opening of a safe box and being movable between an open position and a closed position; a banknote device lock configured to switch the banknote device door between a locked state and an unlocked state; a loose coin device configured to process a loose coin, including a loose coin device door arranged at an opening of a safe box and being movable between an open position and a closed position; a loose coin device lock configured to switch the loose coin device door between a locked state and an unlocked state, wherein the banknote device lock and the loose coin device lock perform a switching between the locked state and the unlocked state independently from each other.

[Problem] A bill processor is provided with a bill validator that may receive, from a mobile terminal, telecommunication signals inclusive of electronic currency information to store it in a stacker memory of a bill stacker. [Solution to Problem] The bill processor comprises an interface (80) for receiving electronic currency information transmitted from a mobile terminal (70), a bill validator (1) that has a validation transceiver (3) for receiving the electronic currency information transmitted from the interface (80) and a bill stacker (2) for accumulating bills considered genuine by and forwarded from the bill validator (1) so that the validation transceiver (3) of the bill validator (1) transmits electronic currency information to a stacker transceiver (21) of a bill stacker (2) that then sends the information to a stacker memory (22) of the bill stacker (2) to finally store the information in the stacker memory (22).

An automated machine 1 is provided to comprise a communications device 5 for receiving remotely operable signals emitted from a mobile terminal 10 to produce monetary signals corresponding to money amount data in the remotely operable signals, a bill acceptor 4 for validating bills inserted from the outside to produce the monetary signals when bill acceptor 4 judges the inserted bill to be genuine and for relaying the monetary signals from communications device 5, a control device 8 that has built-in program software to produce drive signals of the amount corresponding to the monetary signals in accordance with the program software when control device 8 receives the monetary signals from bill acceptor 4. In another aspect, communications device 5 may receive the remotely operable signals emitted from mobile terminal 10 to produce the monetary signals corresponding to the money amount data in the remotely operable signals and receive the monetary signals from bill acceptor 4 and send them to control device 8.

A real-time system and method for invoking a fraud alert notification to a bank prompted by an abandoned deposit following a denied accelerated funding request for a financial item.

A money handling apparatus comprises a housing, a first cassette attachment unit and a second cassette attachment unit that are provided in the housing; a first transport unit that performs a depositing processing to deposit money from a first cassette, attached to the first cassette attachment unit, into the housing; a second transport unit that performs a dispensing processing to dispense money from the housing as a change fund into a second cassette that is attached to the second cassette attachment unit; and processing circuitry configured to control the first transport unit and control the second transport unit such that the dispensing processing of the change fund is performed before the depositing processing of the money.

A camera device is mounted in a bezel attached to a bill validator to take user's clear face image. A bezel (8) includes a frame (4a) secured to a housing (1a) of a bill validator (1), a camera device (4) attached to the frame (4a) for taking images of user's face and a cover (4c) attached to the frame (4a) for covering the camera device (4), the cover (4c) being made of translucent and optically reflective materials.