381results about "ATM softwares" patented technology

A computer system for automatically handling and releasing funds for deposit items has a memory storing instructions that, when executed by a processor, cause the system to receive an image of a cheque received and scanned by an automated teller machine (ATM) for deposit into a first account of an institution associated with the ATM. The scanned image of the cheque is analyzed to identify an institution and account on which that cheque is drawn. If that account has sufficient available funds to cover the cheque, then the first account is credited in the amount of the cheque without placing a hold on any of the credited amount and funds of the account on which the cheque is drawn are encumbered in that same amount. After crediting the first account, an indication is provided that the funds are available (e.g., to withdraw). Related methods and computer-readable media are also disclosed.

A mobile device configured to be carried by a user enables the user to wirelessly request delivery of tangible items including cash. If an amount of value associated with the request is authorized by a remote system, 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 delivery service terminal of a delivery service. The mobile device receives a transaction details message from the delivery service indicating the deliverable items and the delivery location. Sending a confirmation message with the mobile device which indicates that the user agrees with the information in the transaction details message, causes the tangible items to be delivered to the user at the specified location.

Apparatuses, methods, systems, and program products are disclosed for ATM management. An apparatus is configured to determine identifying information for an automated teller machine (ATM) that is being managed, determine a service script for the ATM, the service script comprising information for maintaining the ATM, identify multimedia elements associated with the information in the service script, and present the service script and the associated multimedia elements on an end user device.

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.

Various embodiments of the present invention relate to a system for providing financial transaction services in conjunction with a metaverse environment and a method of operating the same. According to various embodiments of the present invention, the present invention may provide financial transaction services that may improve user convenience by providing financial transaction services using an ATM device in the real world and providing financial transaction services using a virtual ATM device within the metaverse environment.

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 mobile wireless device (100) in the configuration of user wearable glasses includes at least one lens including at least one transparent display (110). The at least one display is operable to provide visual outputs that are visually perceivable to the user of the device. The user is enabled to see through the at least one lens, physical surroundings in a direct field of view. The device includes at least one input device (116, 122, 114) which receives user inputs. At least one circuit is in operative connection with the at least one display, the at least one input device, a data store (106) and a wireless transceiver (120). At least one user input is operative to cause the device to communicate at least one wireless message which includes data usable to identify a financial account. At least one remote circuit is operative responsive to the at least one wireless message to cause a financial transfer to or from the financial account.

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.

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.

Systems, methods, and computer-readable storage media for automated teller machine (ATM) recycling and merchant operations. One method includes receiving, via a communication session from a user device, a merchant voucher distributed by a merchant, and initiating an ATM session. The method further includes determining a value of the merchant voucher, and presenting, via a display interface of the ATM, a request for the determined value. The method further includes receiving a deposit regarding the determined value of the merchant voucher, and converting the merchant voucher to at least one of a token or a code, the at least one of the token or the code being embedded with an indicator regarding the determined value, information regarding the merchant voucher, and a unique identifier. The method further includes transmitting, to the user device, the at least one of the token or the code, and updating a ledger of the merchant.

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.

The invention discloses a self-service terminal interaction format self-adaptive adjustment method and device, and a medium. The method comprises the following steps: deploying a volume adjustment algorithm and a font adjustment algorithm in a self-service terminal; calling the self-service terminal to identify the age of the user according to the business process of the self-service terminal in response to the condition that the access user exists in the self-service terminal; according to the user age identification result, adjusting the volume adjustment algorithm and the font adjustment algorithm to adjust the volume and the font of the self-service terminal; the age of the user can be judged by extracting the age characteristic value or reading the identity card of the user, voice prompt and operation prompt are adjusted according to different ages, and the experience of the user in using the self-service machine is improved.

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.

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.

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.