302results about "ATM softwares" patented technology

Arrangements for using generative artificial intelligence models for ATM operations control are provided. In some examples, a computing platform may receive, from a plurality of ATMs, operation data. The operation data may be analyzed using a first generative artificial intelligence (AI) model to identify one or more potential issues. If an issue is identified, additional data related to the issue may be retrieved from an impacted ATM. A second generative AI model associated with the particular identified issue may be identified. The model may be executed using the additional data as inputs to identify or output a corrective action. The corrective action may be transmitted to the ATM for execution. The one or more generative AI models may be updated to continuously improve accuracy.

A computing system includes at least one one or more automated teller machines (ATMs) and at least one processing circuit. The at least one processing circuit is configured to train an artificial intelligence (AI) model to determine predicted transactions of a user using transaction data related to a plurality of transactions of the user with the one or more ATMs; receive data indicative of a location of a user device corresponding to the user; determine a corresponding location of an ATM of the one or more ATMs; determine a predicted transaction of the user at the ATM using the AI model; and transmit information corresponding to the predicted transaction to the user device including an interface element to cast the predicted transaction to the ATM. The ATM is configured to receive transaction data cast by the user device to the ATM and execute a transaction according to the transaction data.

A system and associated method and service for providing a platform that enables members to transfer, receive, or otherwise exchange cash in various international denominations and commodities, such as precious metals (e.g., gold, silver, etc.), in a mobile highly secured telecommunications environment. The system is capable of delivering cash instantly between two or more users by allowing the exchange of secure transactions between system and cash dispensing machines (ATMs). Users may pay, receive, exchange, deposit, transfer, pay bills, exchange currency, retrieve cash, deposit cash and create accounts based on the mobile phone number or a system generated code.

Wait times at ATMs may undermine the utility of these self-service machines. ATMs are configured to provide faster self-service kiosks that allow users to quickly perform common financial transactions. However, it has been increasingly common for users to have to wait in a queue to access an ATM. Systems and methods are provided for an ATM that pre-stages transactions by extracting account balance, account status, account fraud, and other necessary information from a plurality of smart cards, before a user begins interacting with the ATM. Information extracted from the plurality of smart cards may be transferred to the ATM wirelessly. Color changes may then be sent from the ATM to the plurality of smart cards. The color changes indicate whether the plurality of smart cards may transact with the ATM without any additional information, thereby improving the transaction processing efficiency of the plurality of smart cards and enhancing user satisfaction.

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

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.

Systems and methods are provided for services utilizing transaction devices such as Automated Teller Machines. An example method comprises receiving a request comprising at least one constraint for a transaction and providing at least one ATM that satisfies at least one constraint of the request. A second method comprises analyzing, via a language model, the request, and based on the analysis, determining the at least one ATM that satisfies at least one constraint of the request. A third method comprises utilizing a QR code to perform a transaction at an ATM without receiving tactile input.

A method and a communication network are disclosed. The method comprises detecting, by a computing device of a trusted computing system, an input event indicating that an individual at the computing device wishes to authenticate their identity, responsive to said detecting, determining, by the computing device, at least one property for an authentication request that enables an authentication provider module that is external to the trusted computing system to authenticate the identity of the individual independently of the trusted computing system, and responsive to said determining, generating, by the computing device, the authentication request, wherein the authentication request comprises data indicative of said at least one property.

A computing system can include at least one processing circuit that can monitor a first plurality of interactions with a plurality of Automated Teller Machines (ATMs), detect a change from a first status of a first ATM of the plurality of ATMs to a second status of the first ATM, retrieve information corresponding to a second plurality of interactions with the first ATM, identify one or more profiles associated with respective interactions of the second plurality of interactions, determine a plurality of user devices enrolled in a subscription to receive status updates regarding the first ATM, and transmit a signal to the plurality of user devices to cause the plurality of user devices to display a user interface to identify the second status of the first ATM.

A computing device, a computer program product, and a computer-implemented method for enabling a user to select between a default ATM operating mode in which actions are visually represented on a user interface with words, and a basic ATM operating mode in which actions are represented on the user interface with graphical images.

An electronic apparatus for acquiring a program via a network, includes an input unit configured to receive a user operation, and circuitry configured to display, on a display, a list including a plurality of versions of firmware programs installable on the electronic apparatus, download a specific firmware program included in the list or a particular firmware program not included in the list, update a current firmware program being installed on the electronic apparatus with the downloaded specific firmware program or the particular firmware program; and enable function of the updated firmware program. When updating with the specific firmware program, in response to a designation operation, the circuitry enables functionality of the specific firmware program. When updating with the particular firmware program not included in the list, the circuitry enables functionality of the particular firmware program having the upgraded function version after updating the particular firmware program.

The invention discloses an AMT function security test method based on hardware-in-the-loop, which comprises the following steps: implementing the AMT function security test method based on HIL according to an AMT HIL function security test process, including hardware platform building and software platform building; hardware comprises a load electromagnetic valve group, an HIL cabinet, a TCU and an upper computer, the TCU is connected with a corresponding pin of the HIL cabinet, a pin of a control signal of the load electromagnetic valve group needs to be led out from a Load board card of the HIL cabinet and is connected with the load electromagnetic valve group, and the upper computer is connected with the HIL cabinet to provide operation software; the AMT function security test method based on hardware-in-the-loop provided by the invention has correct function performance, accuracy and time sequence of a security mechanism; consistency and correctness of interface realization are realized; and verifying the validity and robustness level of the diagnosis or failure coverage of the security mechanism.

A method of assisting a management operation of a money handling machine includes: receiving, by a computer, an instruction related to management operation for a money handling machine from an operator; performing, by the computer, natural language processing on the received instruction, generating an operation command corresponding to the instruction, and outputting the operation command to the money handling machine; and performing, by the money handling machine, an operation corresponding to the operation command to execute the management operation as instructed by the operator.

An augmented reality headset, with an eye tracking device, and a secondary user input device, such as, a brain wave sensor detecting the user's brain waves, a microphone detecting user sounds, or finger recognition sensor, or facial recognition sensor detecting facial gestures. When entering an elevator, the user views elevator input icons, displayed in mid-air. The user gazes at, an elevator floor icon, a cursor follows the gaze to the icon. The user thinks click, or says enter, or finger gestures, or facial gestures, which activates the icon. The activated floor icon, directs the elevator, to move to the floor. The input icons can be associated with activating, an internet web page, or a public device, wirelessly connected to the glasses, like, a multi-user door opener. The touch-free operation, enables the user to avoid bacteria, that may be on physical touch input buttons, of the public door opener.

A data processing system includes a first communication session participant device, a service orchestration controller, and a plurality of second communication session participant devices. Each of the second communication session participants has an attribute to perform a type of service task. The service orchestration controller receives a service request message from the first communication session participant device, determines a control message based on the service request message, retrieves technical capability parameters of each of the second communication session participant devices, selects an optimum second communication session participant device from the plurality of second communication session participant devices based on the technical capability parameters and based on the attributes, transmits the control message to the optimum second communication session participant device to process the service request, receives a service outcome message from the optimum second communication session participant device, and provides output data to the first communication session participant device.

Disclosed herein are system, method, and computer program product embodiments for creating a personalized visual code for completing a transaction at an Automated Teller Machine (ATM). An embodiment operates by receiving a request to complete a transaction from a mobile application on a user device, pairing the transaction with an ATM, retrieving information unique to the user, generating a personalized visual code based on the information unique to the user, and generating a rule for presenting the personalized visual code on the ATM, the rule including at least one of: i) when the personalized visual code should be presented, ii) how long the personalized visual code is to be presented, or iii) how the personalized visual code should move when presented on the ATM.

In a method of processing a cash transaction, a transaction processing system receives an account transaction request identifying a user account and a cash transaction to be carried out using a cash service machine (CSM). A set of CSMs available for processing the account transaction request is determined and a list of available CSMs is transmitted to the requesting user device. A request to process the transaction including an identification of a selected CSM is received the user device or the selected CSM. A unique authentication code is generated and transmitted to the processing requester. The transaction processing system receives from the non-process requester, an authentication request including a purported authentication code. The system then verifies that the purported authentication code matches the unique authentication code. Upon positive verification, the system transmits an instruction to the CSM to carry out a cash exchange according to the requested account transaction.

An information processing apparatus includes a call determination unit that determines whether a user who has visited an ATM is talking on a phone based on a captured image of a target area based on the ATM, an operation control unit that switches an operation mode of the ATM from a first operation mode to a second operation mode in which information different from information output in the first operation mode is output in a case that the user is talking on a phone, a case determination control unit that transmits data suggesting a state of the user in a target period based on the switching to an interested party terminal and acquires a determination result as to whether there is an incident, and an update unit that changes operation content of the second operation mode based on the determination result of the presence or absence of the incident.

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.

Systems and methods for customer-specific content delivery via an automated teller machine (ATM) may include one or more server(s) which receive, from an ATM, data indicative of a user profile corresponding to a user of the ATM, the user performing a transaction via the ATM; identify a transaction history associated with the user profile; determine, via one or more first machine learning models hosted on the one or more servers, a context corresponding to at least one transaction of the transaction history; generate, via one or more second machine learning models, a content item according to the context determined by the one or more first machine learning models; and transmit the content item for display by the ATM to the user, the ATM displaying the content item for at least a portion of a duration in which the transaction is performed via the ATM.

A transaction is pre-staged by providing transaction preferences, such as a financial instrument, a transaction type, and a transaction amount, to a user device. The user device captures a visual code at a terminal, such as an ATM. The visual code includes terminal attributes, including a signed hash and call-back URI. The user device authenticates the visual code using the signed hash and requests the transaction through the issuer server. The issuer server creates and sends the card data to the call-back URI. The terminal uses the card data to create a transaction request it routes to through its acquirer server.

To provide an electronic apparatus, an information processing system, and an information processing method that allow flexible updating of firmware in an electronic apparatus.SOLUTION: An electronic apparatus of the present invention comprises: an input unit that receives an operation; a display control unit that displays at least software as a target of validation among pieces of software on a display unit; an update unit that downloads the software to update software installed in the electronic apparatus; and a validation unit that validates functions of the software updated by the update unit. For software that is displayed as a target of validation by the display control unit, the validation unit validates the functions of software for which a designating operation has been made via the input unit in accordance with the designating operation, and for software that is not displayed as a target of validation, automatically validates the functions of the software after the update of the software.SELECTED DRAWING: Figure 5

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.

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.

The invention relates to the technical field of financial transactions, in particular to an abnormal fund flow monitoring and management system based on behavior perception. The system comprises a bank card state acquisition module, a cardholder behavior information pre-acquisition module, an actual controller identity verification module and an idle card disposal management module, the bank card state acquisition module acquires the use habit of a cardholder, and identifies common bank cards and idle bank cards under the name of the cardholder according to the use habit; according to the abnormal fund flow monitoring management system based on behavior perception, the trade habit of a cardholder during normal trade is obtained by using the tentative information, and when the idle bank card has trade, the cardholder is in a monitorable environment by increasing a verification place, so that the abnormal fund flow can be monitored. According to the embodiment of the invention, the actual behavior of the card holder in the idle bank card transaction is obtained by utilizing the monitorable environment, and then the fund behavior of the idle bank card is judged on the basis of the transaction habit, so that the false freezing rate of the idle bank card is reduced.

Disclosed is a touchless transaction method in which a user executes a transaction without operating an automatic transaction apparatus (ATM) and which is executed by a transaction management apparatus communicably connected to a mobile terminal and the automatic transaction apparatus used by the user. The touchless transaction method includes executing by the transaction management apparatus: an authentication step (S15) of authenticating that the user using the mobile terminal is a registered user on a basis of information received from the mobile terminal; a transaction content management step of receiving a prescribed transaction content requested by the user from the mobile terminal and managing the received prescribed transaction content; and an instruction step (S27) of outputting to the prescribed automatic transaction apparatus an instruction to execute the prescribed transaction content when identification information for identifying the prescribed automatic transaction apparatus to be used by the user is received (S22).

Arrangements for leveraging quantum computing to optimize cash recycling at ATMs are provided. Current status data including location data, cash depletion rate data, and the like, may be received from a plurality of ATMs. Telemetry data from one or more cash replenishment vehicles may be received. The telemetry data may include GPS-based location data from a computing device associated with each vehicle, speed data, and the like. A machine learning model may be executed using the ATM status data and telemetry data as inputs to output an optimized replenishment scenario. In some examples, quantum computing may be used to analyze the data and identify the optimized replenishment scenario for execution. Executing the optimized replenishment scenario may include generating one or more instructions that causing one or more ATMs to activate or deactivate cash recycling functionality, causing one or more cash replenishment vehicles to modify a replenishment route, or the like.

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.

Systems and techniques for an adaptive authentication system are described herein. In an example, an adaptive authentication system is adapted to receive a request at a first entity from a second entity for secure data of a user, where the second entity is remote from the first entity. The adaptive authentication system may be further adapted to transmit a prompt to a user device associated with the user for authentication of the user and authentication of the request. The adaptive authentication system may be further adapted to receive a response to the prompt and authenticate the user and the request based on the response. The adaptive authentication system may be further adapted to transmit the secure data of the user to the second entity.

A system for processing a financial transaction request and a method executed by the system can include receiving, at a first server, a request to execute the financial transaction request. The first server can determine transaction middleware (TM) super-modules that are stored on the first server and are required to execute the financial transaction. The first server can detect capacities of the TM super-modules and annex control over memory space of a second server if needed. The first server can replicate at least one of the TM super-modules on the memory of the second server and direct the financial transaction request to the TM super-module replicated on the second server. That TM super-module can generate a corresponding output received by the first server, which can then cede control over the memory space of the second server.