181results about "ATM dispensing" patented technology

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 withdrawer computing device may send to an application server device a cash withdrawal request for a cash withdrawal of an amount of physical cash. The withdrawer computing device may then receive from the application server device a quote of a cash withdrawal fee for the cash withdrawal, obtain an acceptance of the quote, and send a notification of the acceptance to the application server device. The withdrawer computing device may also receive an indication that the cash withdrawal has been completed, and transmit to the application server device confirmation that the cash withdrawal has been completed. A withdrawer electronic funds account may then be debited by the amount of physical cash and the cash withdrawal fee and a depositor electronic funds account may then be credited by the amount of physical cash and the cash withdrawal fee.

Disclosed herein are system, method, and computer program product embodiments for allowing completion of cardless transactions at a kiosk using an encoded identifier for that kiosk. A user of a mobile app may begin a transaction on their mobile device and, upon reaching a stage of the transaction where kiosk access is needed, receive instructions to visit a kiosk and scan the encoded identifier displayed by the kiosk. The scanned encoded identifier may be associated with the transaction, and the mobile app may transmit a request to complete the transaction at the kiosk.

The invention discloses a financial processing device and financial equipment, and belongs to the technical field of financial equipment. The financial processing device comprises a box body, a paper money pressing mechanism, a paper money stacking mechanism and a paper money pushing mechanism, wherein the paper money pressing mechanism is movably arranged in the box body; the banknote stacking mechanism is movably arranged in the box body, and an accommodating space with an access port is formed among the banknote pressing mechanism, the banknote stacking mechanism and the box body; the banknote pushing mechanism is arranged on the banknote stacking mechanism and has an extending state and a retracting state; and in the extending state, the banknote pushing mechanism is used for pushing the financial medium in the accommodating space to the banknote pressing mechanism. The money pushing mechanism with the stretching-out state and the retracting state is arranged on the money stacking mechanism, so that the financial medium which originally leans against the money stacking mechanism can move to be in contact with the money pressing mechanism when the access opening is opened, and a user can visually notice whether the financial medium exists in the accommodating space or not; the possibility that the user forgets to take away the financial medium is reduced as much as possible, and the safety and reliability of the financial processing device are improved.

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.

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.

A host device comprising an input / output (I / O) port, a first sensor, and a non-transitory computer-readable medium comprising instructions stored thereon that, when executed by one or more processors, cause the one or more processors to determine a cassette is docked with the host device, receive a transaction request requiring a specific denomination for dispensing, cause a picker system of the cassette to retrieve a target bill from a storage position of a bill storage component of the cassette based on the specific denomination for the transaction request and a storage position for a bill matching the specific denomination where the cassette is configured to generate a bill list comprising bill information for each bill of the plurality of bills including a respective denomination and the storage position for each bill, and cause the I / O port to dispense the target bill.

Systems and methods for requesting, generating, and processing digital tokens are disclosed. A system can receive, from a first user device associated with a first user, a first request to generate a digital token representing a transfer of a resource to a second user. Upon verifying authentication information received from the first user device, the system generates the digital token for transmission to the second user device. The digital token is associated with a usage timestamp. The system receives, from a transaction machine, a second request to redeem the digital token, the second request designating a portion of the resource. Responsive to determining that the second request to redeem the digital token is valid, the system causes the transaction machine to provide the portion of the resource, and credits a remainder of the resource to an account associated with the second user.

A user interface component receives a service request from a user and transmits a service request message to a business application component. The business application component transmits an authorisation request message to a media authorisation component. The media authorisation component generates a token based on the authorisation request message and transmits a search message to a controller. The controller transmits the search message to a plurality of backend components. The controller transmits a response message from the backend components to the media authorisation component. The media authorisation component determines whether the token is valid based on the response message. The media authorisation component transmits a validation message to the business application component. Based on the service request message and the validation message, the business application component transmits a control message to a media device driver to control the media device driver to dispense physical media from a teller machine.

An apparatus for dispensing wager payouts that includes a body and a dispenser disposed therein that stores a plurality of items to be dispensed. The apparatus further includes: a request processing circuit; a verification circuit; and a payout provisioning circuit. The request processing circuit is structured to interpret a payout request command generated by a user. The payout request command corresponds to a payout for one or more wagers made by the user. The verification circuit is structured to, in response to the payout request command, determine that the user is authorized to receive the payout. The payout provisioning circuit is structured to, in response to determining that the user is authorized to receive the payout, cause the dispenser to dispense an amount of the plurality of items corresponding to the payout.

A cash trapping monitor apparatus is provided. The apparatus includes a monitor printed circuit board (PCB) interposed between a shutter assembly PCB and a dispenser / recycler PCB. The monitor PCB is connected / interfaced to a time-of-flight (TOF) sensor and an ultrasonic sensor both of which are situated behind a shutter blade in a media chute of a media handling device. Blade states reported by the shutter are changed by the monitor PCB before reporting to the dispenser / recycler PCB when distance measurements provided by the sensors indicate a cash trapping device is present in the chute, indicate that the shutter blade is missing, and / or indicate an original shutter blade was replaced with a different shutter blade.

Introduced is a technology for withdrawing cash from a cash transaction machine (CTM) by use of a mobile payment application installed on a mobile device of a consumer user (“the CTM technology”). Briefly described, the CTM technology enables a consumer user to identify one or more CTMs from which to withdraw cash by using his / her mobile device (e.g., a smartphone) as a “virtual” card. A particular CTM can be a conventional ATM or a POS system at a merchant's place of business. The user can use a mobile payment application installed on the user's mobile device to identify any nearby CTMs, request a withdrawal amount from a particular CTM from the identified nearby CTMs, receive a transaction code specific to that particular CTM, and physically obtain, or collect, the cash representative of the withdrawal amount at that particular CTM using the transaction code.

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.

To improve the convenience, speed, efficiency and reliability of card issuance. [Solution] The method involves a card management server receiving a card issuance application from a user device that desires to have a card issued, the card issuing device requesting and receiving authentication data from the card management server through the issuing device management server in response to the card issuance request, generating an authentication code based on the received authentication data and displaying the generated authentication code on a display, the user device recognizing the displayed authentication code and transmitting a verification request for card issuance to the card management server and receiving the verification result from the card management server, the card issuing device requesting and receiving the authentication result for card issuance from the card management server through the issuing device management server in response to a request to proceed to the next step, and generating a card by saving and printing card information of the card requested for issuance on a temporary card stored in advance in response to completion of authentication for card issuance, and issuing the generated card.

Systems and techniques may generally be used to integrate automated teller machine (ATM) functions into one or more fuel pumps at a gas station. An example system may include a media transfer slot and a display screen to present a fuel pump prompt and an automated teller machine (ATM) prompt. The example system may cause a fuel to be dispensed when the fuel pump prompt is selected. The example system may cause the media transfer slot to activate when the ATM prompt is selected.

A managing computing device positioned in an ATM can receive a dispense request for an amount of currency and account information from a user. A controller of a currency dispenser can generate a first number. The first number, the dispense request, and the account information can be sent to a remote, host computing device that shares a secret key with the controller. The host device can generate a first message authentication code (MAC) based on at least one of the first number and the amount of currency and can send it to the controller. The controller can generate a second MAC based on at least one of the first number and the amount of currency, confirm identity between the first and second MACs, and control the currency dispenser to dispense the amount of currency to the user.

An automated teller machine (ATM) includes a network interface, an input / output device configured to exchange data with a customer, and a processing circuit comprising a processor and memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive account information identifying a credit account associated with the customer, transmit the account information identifying the credit account, receive reward information associated with the credit account, display a reward indication notifying the customer of reward information and providing the customer with an ability to indicate a preference to perform a currency reward withdrawal, receive data comprising an indication of the preference of the customer to perform the currency reward withdrawal, transmit a redemption request based on the indicated preference, receive a redemption request authorization, and dispense an amount of currency corresponding to an amount identified in the redemption request authorization.

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.

Computer system comprising a terminal (186), a service computer system (150), a user computer system (100), an ID provider computer system (136), and an ID token (106) assigned to a user (102), wherein the ID token has an electronic memory (118) with a protected memory area (124) in which one or more attributes are stored, wherein access to the protected memory area is possible only via a processor (128) of the ID token, and wherein the ID token has a communication interface (108) for communication with a reader of a user computer system (100), wherein the terminal, the service computer system, the user computer system, the ID provider computer system, and the ID token are configured to perform the following steps: - Display of an optically readable pattern on a screen (188) of a terminal (186), wherein the optically readable pattern contains encoded information which includes at least a logical address of a service computer system (150) and transaction data, - Detection of the pattern using an optical sensor (190) of the user computer system and decoding of the pattern by the user computer system, - Transmission of a transaction request (158) from the user computer system to the logical address of the service computer system over the network, wherein the transaction request includes the transaction data, - Transmission of a request (166) from the service computer system via the user computer system (100) to an ID provider computer system (136), wherein the transmission takes place over the network, wherein the request includes an attribute specification of the attributes to be read from the ID token for the execution of the transaction, - User authentication against the ID token, - Authentication of the ID provider computer system to the ID token over the network, - provided that the user and the ID provider computer system are successfully authenticated to the ID token, the ID provider computer system reads the attribute(s) from the ID token according to the attribute specification over the network with end-to-end encryption, - Transmission of a response (174) from the ID provider computer system via the user computer system to the service computer system, wherein the transmission of the response takes place over the network, wherein the response includes the read attribute(s), and wherein the response is signed by the ID provider computer system, - Execution of the transaction using the transaction data and the attribute(s) by the service computer system, wherein the terminal is a machine, wherein the transaction data includes a payment amount, and wherein the transaction is initiated by the service computer system to carry out a financial transaction in the amount of the payment.

Disclosed herein are system, method, and computer program product embodiments for allowing completion of cardless transactions at a kiosk using an encoded identifier for that kiosk. A method can include obtaining, by a mobile device, an identifier uniquely identifying a kiosk and additional information using an image displayed by the kiosk, each of the identifier and the additional information being encoded in the image, the identifier being configured for pairing the kiosk to the transaction in the event the user is authenticated with the institution and the additional information being configured for directing, via the mobile device, the user to additional services to complete a transaction using the kiosk in the event the user of the mobile device is not authenticated with the institution. The method can include transmitting, by the mobile device, a request to complete the transaction at the kiosk, the request including the identifier.

A sheet dispenser arrangement for an automated transaction machine (ATM) can include a shuttle frame guide, a shuttle frame, and a shuttle assembly. The shuttle frame guide can be configured to be positioned in the ATM. The shuttle frame can be telescopically engaged with the shuttle frame guide. The shuttle frame can be moveable between first and second end limits of travel. The shuttle frame can be moveable relative to the shuttle frame guide between a retracted position and an extended position. The shuttle assembly can be telescopically engaged with the shuttle frame. The shuttle assembly can be moveable between first and second end limits of travel. The shuttle assembly can be moveable relative to the shuttle frame between a retracted position and an extended position.

Methods for banking at an automated teller machine (ATM) using a mobile device. The ATM may automatically detect the presence of the mobile device in a vicinity of the ATM and initiate contact with the mobile device, or a mobile device may initiate contact with the ATM. After verifying user permission to access the ATM, the mobile device may be enabled to provide user access to one or more of the banking services available at the ATM using the mobile device and to view banking-related information on the mobile device. A mobile application on the mobile device may be used to access the ATM using the mobile device. While a mobile device is accessing the ATM, a screen on the ATM may become inactive for banking services and the option to select banking services directly at the ATM may be disabled.

Methods, systems and apparatus are provided for facilitating financial transactions using an IC type financial card presented at a terminal. A requested transaction for monetary value is processed via a first transaction type. If the transaction is successful, monetary value (such as cash or a monetary value ticket or receipt) is dispensed to the user. If unsuccessful, the card is not ejected and the transaction is processed via a second transaction type. The first transaction type might be a PIN based ATM or ticket transaction and the second transaction type might be a signature based transaction.

A method performed by an automated transaction machine (ATM) can include maintaining, with the ATM, a count of disbursement commands received by the ATM that require the ATM to dispense a stack size of currency greater than or equal to a first predetermined amount. The method can also include comparing, with the ATM, the count to a second predetermined amount. The method can also include aborting, by the ATM, a first disbursement command that requires a stack size of currency to be dispensed by the ATM that is greater than or equal to the first predetermined amount in response to said comparing when the count is greater than or equal to the second predetermined amount.

An active inking system (1) secured to the payer module (25) of the self-service equipment is described. The active inking system (1) includes a modification to the upper cover (4) of the cassette (24), where three upper holes (5) and a front hole (6) are made; the upper holes (5) secure the spreader set (2) and the front hole (6) receives the male quick coupling (13) through which the ink (29) enters. The system (1) comprises a spark sensor (14), component securing structure (12), male quick coupling (13), ink cylinders (15), screws (16), ink outlet connections (20), activation trigger (17), CO2 gas cylinders (18), tubes (19) and connections (21) for compressed gas. The spreader set (2) comprises a tank (10) aligned with the front hole (6) of the upper cover (4) of the cassette (24), the tank (10) in communication with the spreader tube (8) equipped with orifices (9) directed to the banknotes (7) through which the ink (29) is expelled to mark them. The sparks (27) activate the spark sensor (14), which activates the trigger (17), breaks the seal (28) of the CO2 cylinder (18), pressurizes the tubes (19) for compressed gas, moves the front (22) and rear (23) plungers and pushes the ink (29).