85results about "ATM softwares" patented technology

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 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 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.

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.

Various methods and processes, apparatuses or systems, and media for providing a seamless graduation of a restricted account are disclosed. The present disclosure provides scanning, one or more databases, for identifying a potential account for graduation, performing one or more prequalification checks on the potential account for graduation for determining whether the potential account is a graduation eligible account, and identifying an authorizing user for the graduation eligible account. Upon identification of the graduation eligible account, capturing a consent of the authorizing user for authorizing graduation of the graduation eligible account, and converting the graduation eligible account into a graduated account, in which the graduated account is a modification of the graduation eligible account that is existing in a network database.

Systems and methods for the localized storage and retrieval of private keys are provided. The system includes a card, a user device, and an ATM. The method comprises validating the user's identity, encrypting the private key, and depositing the key into the ATM. Another method comprises withdrawing the private key in a paper or virtual form.

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 interactive light mesh over a smartwatch that operates as a customer authenticator and fraud detector, and its method of use, are provided. The interactive light mesh may comprise muti-colored nodes representing smartwatches and automatic teller machines (“ATMs”) located within a threshold distance from the interactive light mesh. The interactive light mesh may display data elements from smartwatches and ATMs. The interactive light mesh may display communications with financial institutions associated with each smartwatch and ATM. Each financial institution may transmit an approval request to a device associated with each smartwatch or ATM. Each device may receive a request to approve each transaction. Each device may approve the request, and the approval may be transmitted to each financial institution. Each financial institution may transmit an approval notification to the smartwatch. Upon receipt of an approval notification for each smartwatch or ATM, the smartwatch may transmit the captured data elements and the transaction amount for each smartwatch or ATM and payee data to a processor for transaction processing. The interactive light mesh may display transaction approvals, denials, and questionable transactions.

Apparatus and methods for assembling and deploying computing tasks using swarm intelligence are provided. A swarm intelligence network program may be installed on multiple automated teller machines (“ATMs”) within a geographical area. When one of the ATMs loses connectivity with its financial institution, the ATM may create an ad-hoc swarm intelligence-based network with the other ATMs. The ad-hoc network may include a distributed ledger. The ATM may determine that a customer request for a financial transaction is valid and complete the request and record the transaction on the distributed ledger. The ATM may use hardware and software resources from the other ATMs on the ad-hoc network.

A financial transaction method can include creating a token correlated to a financial account. The method can also include storing the correlation between the token and the financial account in a token database. The method can also include transmitting the token to a mobile computing device operating an application. The method can also include displaying the token on a display of the mobile computing device. The method can also include receiving, over a public network, the token and data associated with a first financial transaction. The method can also include confirming identity between the token transmitted to the mobile computing device and the token received from the secondary computing device. The method can also include transmitting over the public network, approval of the first financial transaction to the secondary computing device in response to the confirming.

Systems and methods for adaptive configuration. In some aspects, a system may receive an indication that a communication session is initiated between a public terminal and a user device in proximity of the public terminal. In response to receiving the indication, the system may obtain historical transaction data of the user. Based on the historical transaction data, the system may determine (1) frequent locations of the user where a user has conducted more than a threshold number of transactions and (2) a language preference for the user. In response to determining that the user is not located within one or more frequent locations of the user, the system may transmit a command to alter a digital display of the public terminal based on a user-specific configuration, wherein the user-specific configuration comprises the language preference of the user.

An example embodiment includes one or more processors configured to execute computer executable instructions stored in a memory to determine a device property of a mobile device including a location of the mobile device using a geographic positioning system detection component, select a security mode for the mobile device based on a device property where a high security mode is selected when the mobile device is located in a first location, and a low security mode is selected when the mobile device is located in a second location where the second location is specified as part of a preference associated with a user account associated with the mobile device, and selectively provide a visualization on a user interface that masks a portion of the visualization in the high security mode and does not mask the portion of the visualization in the low security mode.

Various embodiments are generally directed to techniques provide applets to transaction card. In embodiments, a transaction card may receive an applet signed with a verification signature. The transaction card may determine whether the verification signature matches one of the verification values stored on the memory, enable the applet including the instructions for execution by the processing circuitry in response to the determination the verification signature matches one of the verification values, and prevent enablement of the applet including the instructions for execution in response to the determination the verification signature does not match any of the verification values.

Aspects of the disclosure relate to reimaging an ATM using an extended reality interface and machine learning models that are configured to reimage the ATM. A computing system may send a request for authorization to access an ATM. Based on the request being granted the ATM may be accessed via an extended reality interface. Reimaging the ATM may be based on inputting ATM data associated with a state of the ATM into machine learning models that are configured to generate instructions to reimage the ATM and then execute threads based on processes that were determined based on the instructions. The threads may be executed in a RAM of the ATM in accordance with machine learning model determined priorities of the threads.

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.

A shutter module of a media handling device is provided. The module includes a shutter blade and a fan. The shutter blade includes a hollow interior compartment designed to house air pumped into the compartment by the fan and to expel the air out through a vent in the blade when the blade is in an open position. The expelled air creates an air shield with the air being directed away from an aperture to prevent debris from entering the aperture when the blade is opened. The blade, when a closed position, covers the aperture sealing and protecting a media deposit / dispense slot of the media handling device from access. In an embodiment, the fan is continuously pumping air into the compartment when the blade is in the open position to expel the air out the vent and when the blade is in the closed position to keel the compartment pressurized.

A method comprising using at least one hardware processor to: receiving (1510) a QR code image associated with an ATM from an ATM machine; detecting (1520) through a mobile banking application the QR code features within the QR code, wherein the features are associated with an encoded information; decoding (1530) the detected QR code to extract the encoded information corresponding to the ATM; verifying (1540) the ATM machine to be used by the user; and granting (1550) access to the ATM and user account.

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.

Disclosed is a method comprising: arranging an automated bank terminal and a bank core both of a first bank in communication with one another over a bank network of the first bank; receiving, at the automated bank terminal, a banking transaction request from a user having an account with the first bank wherein the banking transaction request is thus an on-us transaction; designating, with the automated bank terminal, the banking transaction request as an off-us transaction irresponsive to the banking transaction actually being an on-us transaction; directing, with the automated bank terminal, the banking transaction request to a partner switch outside of the secured internal bank network in response to said receiving the banking transaction request and after said designating; converting, with the partner switch, the banking transaction request received from the automated bank terminal and designated as off-us to a force-post transaction; and directing, with the partner switch, the banking transaction request back into the secured internal bank network after said converting.

A method and a computing device are disclosed. The method comprises receiving, by a terminal management application responsible for a plurality of Automated Teller Machines, ATMs, a user-specific query requesting information associated with the plurality of ATMs; transmitting, by the terminal management application, query data, based on the user-specific query, to a pre-trained Large Language Model, LLM; and responsive to the query data being provided as an input into the pre-trained LLM, receiving, by the terminal management application, at least one database query statement, for querying a relational database that comprises data associated with the plurality of ATMs, from the pre-trained LLM.

The embodiment of the invention provides a pressure value determination method and device, a storage medium and electronic equipment, and the method comprises the steps: determining a triggering condition of a target questionnaire according to an operation type corresponding to a target operation and regional feature information of a target object under the condition that the target object executes and completes the target operation; determining a target questionnaire according to the operation type and the feature information of the target object under the condition that the current environment information meets the triggering condition; receiving feedback information of the target object on the target questionnaire; each piece of sub-feedback information in the feedback information is determined, the weight value of each piece of sub-feedback information is determined, and the sub-feedback information at least comprises one of the following information: the duration of executing the target operation, the satisfaction degree of executing the target operation on the target object by the first object, and the importance of handling a service corresponding to the target operation by the first object; and determining a target pressure value of the target object according to each piece of sub-feedback information and the weight value corresponding to each piece of sub-feedback information.

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.

The disclosure provides an information pushing method, relates to the technical field of computers, and can be applied to the financial field or other fields. The information pushing method comprises the following steps: acquiring a first message, wherein the first message comprises a message generated by a self-service terminal according to a first transaction operation of a user; acquiring transaction medium identification and transaction data in the first transaction operation according to the first message; storing the transaction data with the transaction medium identification as a dimension; when the transaction data stored under the transaction medium identification meets a first preset condition, adding first information in a second message about to be returned to the self-service terminal; the second message comprises a message containing a transaction result of the first transaction operation; and the first information is configured to enable the self-service terminal to initiate an information pushing process in response to the first information. The disclosure further provides an information pushing device, an electronic device, a storage medium and a program product.

An automated teller machine (ATM) with a cold-wallet interface and a machine readable media are disclosed. The ATM comprises: a user interface, a memory including instructions; and processing circuitry that, when in operation, is configured by the instructions to: receive, via the user interface, an instruction from a user for a cryptocurrency transaction, the cryptocurrency transaction including a transfer involving a cold wallet of the user; obtain a key from the cold wallet via a hardware interface of the ATM; perform the cryptocurrency transaction using the key; and erase the key from the ATM based on completion of a session between the user and the ATM.

Disclosed herein are system, method, and computer program product embodiments for creating and displaying a personalized visual code for completing a transaction at a kiosk. An embodiment operates by receiving a request to complete a transaction from a mobile application on a user device; pairing the transaction with a kiosk; retrieving information unique to the user; generating a personalized visual code based on the information unique to the user for display; and generating a rule for presenting the personalized visual code on the kiosk, the rule comprising one or more guidelines regarding at least one of time of display or movement of the personalized visual code on a screen of the kiosk.

Aspects of the present disclosure involve systems, methods, devices, and the like for enabling teller based services using an encryption based shared architecture. The teller based service is provided by at least one node or entity in a blockchain. A request and communication between the at least one node and a user, with indication of the node geolocation and ability to provide teller services is exchanged. The node provides access to cash, enables the verification of the user, and updates the ledger upon completion of the transaction.

A computing device comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to initiate an automated teller machine session; engage an artificial intelligence engine to determine at least one dynamic user interface to be presented during the automated teller machine session; and present the at least one dynamic user interface on a display of an automated teller machine.