142results about "ATM dispensing" patented technology

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.

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 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.

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).

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 receiving, at a kiosk, an image, the image including an identifier uniquely identifying the kiosk and additional information encoded in the image; and displaying, at the kiosk, the image for scanning by a mobile device, the identifier being configured for: pairing the kiosk to a queued transaction associated with a user of the mobile device in the event the user is authenticated with an institution affiliated with the kiosk, 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.

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 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.

An automated teller system is provided that includes a user interface configured to receive user input, a bill counter configured to assemble cash, and a sanitizer configured to receive the cash in a sanitized condition and dispense the cash in the sanitized condition via an access port. The automated teller system also includes one or more processors and memory storing machine-readable instructions that, when executed by the one or more processors, are configured to cause the one or more processors to control the bill counter to assemble the cash based on a withdrawal request, the withdrawal request received as the user input via the user input, to control sanitization of the cash by the sanitizer to provide the cash in the sanitized condition and to control the cash dispenser to dispense the cash in the sanitized condition via the access port.

The active inking system (1) is attached to the payout module (25) of self-service ATMs. It involves a modification of the top cover (4) of the cassette (24) by drilling three top holes (5) and one front hole (6). The top holes (5) are used to attach the ink scattering unit (2), and the front hole (6) accommodates the male quick-release fastener (13) through which the ink (29) enters. The system (1) includes a spark sensor (14), a mounting structure (12), a male quick-release fastener (13), ink reservoir cylinders (15), screws (16), ink outlet connections (20), a drive trigger (17), CO2 gas cylinders (18), compressed air tubes (19), and compressed air connections (21). The ink scattering unit (2) includes a tank (10) that is aligned with the front hole (6) of the top cover (4) of the cassette (24).The tank (10) is connected to the scattering tube (8), which is provided with openings (9) through which ink (29) is sprayed onto the banknotes (7) to mark them. The sparks (27) activate the spark sensor (14), which actuates the drive trigger (17), breaks the seal (28) of the CO2 gas cylinder (18), pressurizes the compressed air tubes (19), moves the front (22) and rear (23) pistons, and pushes the ink (29).

A computer system and a transaction machine, such as an automated teller machine (ATM), can provide for any payor to make a payment to a payee at the transaction machine. The transaction machine provides the payor a user interface to enter a passcode that uniquely identifies the payment transaction. The passcode can be generated by a provider computing system associated with the transaction machine and provided directly to the payee or through the payor prior to the transaction. The transaction machine provides the payor a user interface to enter an amount. The transaction machine receives a cash deposit and provides a deposit user interface that displays deposit information based on at least one bill of the cash deposit.

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.