67results about "ATM dispensing" patented technology

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.

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.

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.

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 cash recycler is described. The cash recycler includes a communication device connected to a core network of a bank; an internal vault; an input bin for receiving bank notes; an output bin; a counter having sensors that count and evaluate bank notes for fitness, authenticity, and denomination, and a conveyor configured to convey the bank notes into the internal vault; a user interface including control circuitry configured to authenticate a non-teller user by accessing authentication information via the communication device based upon bank account records within a bank database; and a cash dispenser configured to transfer bank notes from the internal vault to the output bin upon authentication of the non-teller user and a transaction.

A system may include a housing having an external aperture, a plurality of financial article handling units each configured to form an interface with the external aperture, processor(s), an image capture device, and a memory in communication with the processor(s) and storing instructions configured to cause the system to process financial articles. The system may cause the image capture device to capture a first machine-readable code including a request having a first amount and a first currency. Responsive to capturing the first machine-readable code, the system may determine a first financial article handling unit that corresponds to the first currency, position the plurality of financial article handling units such that the first financial article handling unit is in communication with the external aperture, and dispense the first amount of the first currency from the first financial article handling unit via the external aperture.

The method, system, and non-transitory computer-readable medium embodiments described herein are directed to alerting a user of a physical pickup point. In various embodiments, a server receives a request to be completed by one or more Automated Teller Machines (ATMs) located at a first location. The server may be in communication with the ATMs at the first location and a sensor device at the first location. The server receives an alert generated by the sensor device at the first location that the user device is proximate the first location. Next, the server identifies one or more ATMs in a state to complete the request based on a parameter associated with the request. Next, the server transmits an identifier of the at least one ATM of the one or more ATMs that will be used to complete the request to the user device and instructs the at least one ATM to complete the request.

An automated teller machine includes: a storage unit configured to store a medium; a reception unit where deposit and withdrawal of the medium is made; and an identification unit configured to recognize the medium through identification. The storage unit includes: a holder for holding the medium; a housing for accommodating the holder; and a push plate movable in one direction to provide a space in which the medium is stored. A holder upper surface portion is formed on an upper side of the holder. The holder upper surface portion includes a first holder upper surface portion disposed adjacent to the push plate, and a second holder upper surface portion disposed on a side opposite to the first holder upper surface portion. The first holder 10 upper surface portion and the second holder upper surface portion are formed with different inclinations with respect to a center of the holder upper surface portion.

Systems, methods, and computer-readable storage media for ATM recycling operations. One method includes communicably coupling to one or more merchant computing systems associated with one or more merchants. The method further includes receiving a product inventory dataset associated with one or more merchants. The method further includes receiving, via a display interface, an input initiating an ATM session. The method further includes generating and presenting, via the display interface of the ATM, a GUI including a plurality of interactive elements associated with a plurality of products of the product inventory dataset. The method further includes receiving, via the display interface, a selection of at least one interactive element regarding at least one product of the plurality of products. The method further includes receiving a deposit for a value of the selection. The method further includes generating a code that embeds a value, and transmitting the code for a transaction.

The application relates to the field of bank cross-bank cash withdrawal processing, and provides a cross-bank off-site no-card cash withdrawal processing method, device and system. The cross-bank off-site no-card cash withdrawal processing system receives a no-card cash withdrawal command and a card-issuing bank category selected by a customer through an automatic deposit and withdrawal device; a withdrawal bank server generates a corresponding pattern based on the no-card cash withdrawal command and the card-issuing bank category; a mobile terminal identifies the pattern to obtain corresponding pattern information; the withdrawal bank server authenticates the automatic deposit and withdrawal device according to the pattern information, and sends a success notification to the mobile terminal through a card-issuing bank server and a third-party server after the authentication is successful; the mobile terminal obtains corresponding withdrawal information based on the success notification; and the card-issuing bank server generates a withdrawal instruction based on the withdrawal information and the pattern information and sends the withdrawal instruction to the automatic deposit and withdrawal device, so that the automatic deposit and withdrawal device completes a withdrawal operation. The application can not only reduce the cost of an ATM machine, but also meet the needs of customers, thereby improving the user experience.

Dynamic allocation of cash. Dispensing of cash by an automatic teller machine (ATM) can be prioritized, e.g., for customers of the financial institution that operate the ATM over non-customers. A request by a customer to hold cash at an automatic teller machine (ATM) for future withdrawal is analyzed using an architecture of artificial intelligence. If the cash hold request is approved, in some examples the requested amount of cash is moved from a first cash rack of the ATM to a second cash rack of the ATM. The requested amount of cash cannot be moved from the second cash rack unless the customer withdraws it from the ATM or unless a time limit for the customer to withdraw the requested amount from the ATM is exceeded.

A mobile device configured to be carried by a user enables the user to wirelessly request delivery of tangible items including cash and goods. 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 remote system. The mobile device is operable to confirm user agreement with transaction details including the deliverable items, delivery location and the amount of value to be assessed to a user account for the items. Confirmation that the user agrees with the transaction details causes the tangible items to be delivered at the specified location and the account to be assessed the amount.

Described herein are methods for providing electric vehicle charging services. In an example embodiment, there is disclosed herein a method of operating an electric vehicle charging station that also provides additional services. A user is authenticated via a user interface with the electric vehicle charging station and upon authenticating the user electric vehicle charging is provided. In addition, upon additional authentication and / or payment, the user can perform one of a group consisting of a banking transaction, a retail transactions, a purchase of streaming services, a purchase of television services, a purchase of phone services, and a purchase of videoconferencing services. In particular embodiments, the electric vehicle charging station can schedule charging times for an autonomous electric vehicle and provide data to the autonomous electric vehicle to enable the autonomous electric vehicle to arrive at the scheduled time period.

There is provided a mobile computing device for enabling a user to withdraw cash at a cash withdrawal device, the mobile computing device comprising: user input means for enabling the user to provide user input to the mobile computing device; a digital wallet comprising a tokenised payment application and an additional data extension; wherein the digital wallet is configured to generate a cash withdrawal request comprising cash withdrawal data based on the user input; wherein the tokenised payment application is configured to communicate with the cash withdrawal device to authenticate the cash withdrawal request; and wherein the additional data extension is configured to send the cash withdrawal data to the cash withdrawal device; wherein an issuer authorisation request can be generated for approval by an issuer associated with the user based on the cash withdrawal request, and wherein the cash withdrawal device is instructed to dispense cash based on approval of the issuer authorisation request. According to a second aspect of the present disclosure, there is provided a cash withdrawal device for enabling a user to withdraw cash using a mobile computing device.

A machine core hardware control system (1) of a banknote processing device (2) and a banknote processing device (2), belonging to the technical field of banknote processing. The machine core hardware control system (1) of the banknote processing device (2) comprises: a main control board (10) and several drive sub-boards (20) connected to the main control board (10), the main control board (10) being connected to an upper module (30); each of the several drive sub-boards (20) is connected to a lower module (40); and sensor communication between the main control board (10) and each of the several drive sub-boards (20) is cascaded for use in IO direct connection communication bus technology for data interaction. By adopting the IO direct connection communication bus technology, high-speed data exchange between the main control board (10) and the drive sub-boards (20) is achieved, improving the response speed and real-time performance of the system, thus significantly enhancing the speed of deposit and withdrawal. In addition, scalable multi-frame channels are designed, allowing flexible addition or reduction of configurations according to actual needs, and the removal of a control board from any channel slot does not affect the normal operation of other channels.

A coin handling apparatus includes: a first transport path configured to transport coins; a feeding unit configured to feed out the coins one by one to the first transport path; a recognition unit configured to recognize the coins fed out to the first transport path by the feeding unit; a storage unit arranged beneath the recognition unit, the storage unit being configured to receive the coins recognized by the recognition unit from the first transport path, and store the coins therein; and a cassette detachably mounted to the coin handling apparatus and arranged beneath the recognition unit and above the storage unit, the cassette being configured to receive the coins from the first transport path and store the coins therein.

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.

This currency processing method is implemented by a currency processing device having first and second currency storages for storing currency in a dispensable manner, and involves: receiving a dispensation instruction regarding a selected transaction and based on the type of said transaction; executing a dispensing process regarding the transaction by using the first currency storage when the type of the transaction is a first type; and executing the dispensing process regarding the transaction by using the second currency storage when the type of the transaction is a second type.

A cash handling system includes: a cash handling apparatus; a support server storing therein store identification information of a plurality of stores, inventory amount information of cash in each store, and ID information of each of clerks of the stores; an acquisition unit to acquire ID information from a user of the cash handling apparatus; and a control circuitry configured to, when the user authenticated based on the acquired ID information is a clerk, acquire inventory amount information of the store stored in the support server in association with the ID information, and display an input screen, which includes the acquired inventory amount information and is displayed on a display of the cash handling apparatus, for instructing cash handling to be performed in the cash handling apparatus. The cash handling apparatus performs the cash handling, based on an instruction from the user performed on the input screen.

Physical actions across a variety of cash based systems, such as cash handling devices (CHDs) and register tills, within an establishment may be remotely monitored, tracked, and initiated based at least in part on simulated interactions generated by a monitoring server. These actions may facilitate a user's physical access to cash for securely handling physical cash payouts. Payout data is received for a physical cash payout for a user that includes an identifier for a register till within an establishment. A simulated interaction is generated based at least in part on the payout data. The simulated interaction includes a simulated pick-up and payout transaction between the identified register till and a CHD. The register till is then caused to dispense cash to satisfy the physical cash payout or unlock access to cash stored within the at least one register till.

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.

A medium processing system includes: a memory and a processor, in which the processor performs application execution for exchanging transaction information with a device via middleware to perform information processing on a transaction of a valuable medium, the device being configured to perform the transaction, and error processing of acquiring, upon occurrence of an error in the device during the transaction of the valuable medium, first error information from among pieces of information on the error without the middleware to perform error recovery processing on the error based on the first error information.

A method performed by a transaction machine includes receiving a request for payment of a bill issued by a third party to a third party customer, generating a user interface to receive an input activating a cash deposit mechanism of the transaction machine based on the input, receiving the cash deposit by the cash deposit mechanism, generating a plurality of graphical user interfaces (GUIs) where each GUI of the plurality of GUIs is associated with the bill, determining a sequence of the plurality of GUIs associated with the bill based on at least one of the cash deposit or the input, adjusting the sequence of the plurality of GUIs based on at least one of one or more user actions or a type of the bill being paid, and transmitting a payment notification to the third party computing system associated with the bill.

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.

To improve the convenience, quickness, efficiency and reliability of card issue.SOLUTION: The method includes receiving, by a card management server, a card issuance request from a user device desiring to issue a card, and requesting and receiving, by a card issuing device, authentication data from the card management server through an 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, transmitting a verification request for card issuance to a card management server, and receiving a verification result from the card management server, and the card issuing device requesting and receiving a card issuance authentication result from the card management server through an issuing device management server in response to a request to proceed to a next step; A card is generated by storing and printing card information of a card requested to be issued on a pre-stored temporary card in response to completion of authentication for card issuance, and the generated card is issued.SELECTED DRAWING: Figure 2

A modular ATM is disclosed herein and can include a safe with a first port, at least one currency cassette and dispenser both positioned in the safe, a recycler, and a plurality of linking transport assemblies. The dispenser can move banknotes between the cassette and the first port. The recycler can be positioned on the safe, have second and third ports, and move banknotes between the second and third ports. The recycler can be positionable in a plurality of different orientations and offsets relative to the safe. The plurality of linking transport assemblies can each be individually engageable with the recycler. Each of the linking transport assembly moves banknotes between the first port of the safe and the second port of the recycler. Each linking transport assembly is individually positionable between the safe and the recycler.

A transaction terminal presents a new type of transaction through the transaction interface for cashing checks of unbanked consumers. The interface obtains a government identifier provided through input and / or government issued card read at the terminal. The check is imaged, and the government identifier is verified by a government verification service. Once verified, a name associated with the government identifier obtained from the verification service is matched to a payee name on the check obtained from an image of the check. The bank that the check is drawn on is provided the check account number and amount of the check and returns an authorization code when the check is authorized to be cashed. The authorization code is provided to the terminal and the terminal dispenses currency in the amount of the check to the unbanked consumer.

A cassette for an automated teller machine includes: a case providing an accommodation space for a medium; a front plate rotatably disposed in the case to guide the medium into the accommodation space, the front plate having a front groove; a push plate disposed horizontally movable in the accommodation space toward or away from the front plate; and a stack wheel rotatably disposed on the front plate so that at least a portion thereof selectively protrudes from the front groove. When the medium is stacked in the accommodation space, the stack wheel rotates to protrude from the front groove.

A method, media recycling device and system are disclosed. The method comprises receiving a media item at a media terminal; determining the media item is an exception media item; storing the exception media item in a two-way exception escrow of a media recycling device within the media terminal; logging metadata associated with a stored exception media item including an exception type and a position within the two-way exception escrow; receiving a command to access the stored exception media item; and responsive to the command, automatically transporting the exception media item from the two-way exception escrow to a destination.

A method for distributing funds includes receiving a withdrawal initiation request generated by a user device of a user, generating an authentication code associated with the withdrawal initiation request, receiving a withdrawal completion request from at least one of an automatic teller machine (ATM) and / or a merchant point-of-sale (POS) device, verifying that the withdrawal is completed, and sending the withdrawal completion request to the user device. The method includes receiving a withdrawal completion request, identifying an issuer system associated with the withdrawal completion request, generating an authorization request, sending the authorization request to the issuer system, receiving an authorization response, and sending a cash distribution message to cause the at least one of the ATM and / or the merchant POS device to distribute a withdrawal amount. Systems and computer program products for distributing funds are also disclosed.