40results about "ATM dispensing" patented technology

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.

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.

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.

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.

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.

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 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 cash management apparatus includes: a communication interface configured to acquire information of cash stored in a cash handling apparatus and information of cash kept outside the cash handling apparatus; a memory configured to store the information of the cash stored in the cash handling apparatus, and store the information of the cash kept outside the cash handling apparatus as information of cash kept in a virtual safe; and processing circuitry configured to output the information, of the cash kept in the virtual safe, which is stored in the memory, to notify a user. A plurality of pieces of information, each of which is information of cash kept in each of a plurality of virtual safes, is stored in the memory.

A method includes generating, by a provider computing system associated with a provider, a passcode and transmitting the passcode to a third party computing system; receiving, at a transaction machine associated with the provider, a request for payment of a bill issued by the third party to a third party customer; generating, by the transaction machine, a user interface to receive a passcode input and receiving the passcode input; causing, by the transaction machine and based on the passcode input, a cash deposit mechanism of the transaction machine to become enabled to receive a cash deposit; receiving, by the cash deposit mechanism of the transaction machine, the cash deposit; and transmitting, by the transaction machine, a payment notification to the third party computing system associated with the bill.

At least one media deflector and an automated teller machine are disclosed. The media deflector comprises a spar configured to: connect to the roof plate; and rotate, through a first position to a second position, with respect to the roof plate when connected to the roof plate; and a set of fingers connected to the spar, a finger in the set of fingers including: a proximal portion configured to connect to the spar; a distal portion; and a connecting portion configured to: connect the proximal portion and the distal portion; and position the distal portion on an axis different than the proximal portion.

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 automatic or unmanned teller machine having an apparatus for the acquisition and supply of documents for the provision of services and which comprises a supporting structure, means for the optical acquisition of documents, means for processing the acquired documents, means for supplying documents and at least one port for insertion by a user of documents to feed said acquisition means and for supplying documents to the same user by said supplying means.

A method for dispensing funds including 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 automated teller machine (ATM) and / or a merchant point-of-sale (POS) device, validating the withdrawal completion, identifying an issuer system associated with the withdrawal completion request, generating an authorization request, transmitting the authorization request to the issuer system, receiving an authorization response, and transmitting a cash dispense message to cause the at least one of the ATM and / or the merchant POS device to dispense the withdrawal amount. Systems and computer program products for dispensing funds are also disclosed.

A method for dispensing funds including 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 automated teller machine (ATM) and / or a merchant point-of-sale (POS) device, validating the withdrawal completion, identifying an issuer system associated with the withdrawal completion request, generating an authorization request, transmitting the authorization request to the issuer system, receiving an authorization response, and transmitting a cash dispense message to cause the at least one of the ATM and / or the merchant POS device to dispense the withdrawal amount. Systems and computer program products for dispensing funds are also disclosed.

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.

Aspects of the present disclosure are directed to an automated teller machine (ATM) having card replacement capabilities (e.g., credit cards, debit cards, identification cards, membership cards, gift cards, etc.). The cards can include cards issued by the entity controlling the ATM and / or cards issued by third-party entities. In some implementations, the cards can be pre-scanned into the ATM by a user with their data captured and stored by the ATM. The ATM can program and issue a generic card, or can print the card with the card number and user information. In some implementations, the card can be temporary (i.e., only valid for a limited time, such as 30 days) with a full replacement card later mailed, or can be a full replacement card having a standard expiration date 3 (e.g., years).

Disclosed herein are system, method, and device embodiments for ATM access during a power outage. In an example embodiment, an automated teller machine (ATM) may receive power from a mobile device including a banking application, send the power to a rechargeable battery of the ATM, and enter a reduced power mode, wherein the ATM is powered by the rechargeable battery. Further, the ATM may receive a transaction request including an authentication credential from the banking application, determine an account associated with the authentication credential, determine an authorization result indicating whether to perform the transaction request, and generate recordation information corresponding to the authorization result.