138results about "ATM softwares" patented technology

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.

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 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.

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.

A card reader configured to read a smart card can be detachably connected to a mobile computing device. When the card reader is attached to the mobile device, an application installed on the mobile computing device permits the mobile device to communicate with the card reader in order to process transactions. Security measures can be used on the mobile device to prevent theft of a PIN during software PIN entry of a payment transaction. The mobile device can prevent the keypad or other input interface from displaying feedback. The mobile device can also prevent passcodes from being stolen by displaying media encoded with digital rights management (DRM) and by managing the media and user inputs at a secure server. A mobile device can securely communicate with a card reader for a payment transaction using asymmetric or symmetric encryption.

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.

The embodiment of the specification relates to the computer technical field, and in particular to a self-service teller machine monitoring method, device and equipment based on digital twinning. The embodiment comprises the following steps: analyzing the structure of a self-service teller machine to obtain the basic information and assembly relationship of a plurality of components; generating an assembly structure tree of the self-service teller machine according to the assembly relationship; traversing each layer of nodes in the assembly structure tree, and for each node, generating a pose matrix of the node according to the position information of the component corresponding to the node and the position information of the component corresponding to the parent node of the previous layer of the node; calculating the world matrix of each component node according to the assembly structure tree and the pose matrix of each node, and generating a digital twinning model of the self-service teller machine according to the world matrix of the component node and the geometric information of the component. Through the embodiment of the specification, the problem that the traditional self-service teller machine monitoring method based on the client mode seriously affects the operation and maintenance monitoring efficiency is solved.

[Problem] 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. [Solution to Problem] The bill processor comprises 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).

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 valuable medium processing apparatus according to the present disclosure that includes a secure boot function and executes a first medium process related to a valuable medium, the valuable medium processing apparatus including: a safe in which a container that stores the valuable medium is disposed; and a circuit board arranged inside the safe and equipped with a processor, the processor being configured to: execute an execution prohibition process of transmitting a prohibition command of prohibiting execution of a second medium process related to the valuable medium to an execution apparatus that executes the second medium process, and execute a prohibition release process of releasing the prohibition command when a validity of the execution apparatus is confirmed.

A cash handling system includes: a cash handling apparatus installed in a store and operable based on a first application for handling cash withdrawn from or deposited into a bank account of a customer of the store and a second application for handling sales proceeds and change funds of the store; and an acquisition unit to acquire ID information from a user of the cash handling apparatus. The cash handling apparatus operates based on the first application or the second application selected based on the acquired ID information, displays different operation screens based on whether the first application is executed or the second application is executed, and performs cash handling corresponding to an operation performed on the operation screen.

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.

The invention discloses a bank self-service teller machine and a foreign currency exchange supporting method. The bank self-service teller machine comprises a paper currency inlet and a paper currency outlet, wherein the paper currency inlet is used for a user to put in and take out paper currency; the multi-mode mixed currency detection module is used for detecting the currency put by the user to obtain a detection result; the temporary storage area is used for storing real banknotes which are not charged; the foreign currency mixed storage cash box is used for storing foreign currencies of different currency types and different denominations in a partitioned manner; the coin box is used for storing coins; the coins are used for complementing changes for the foreign currency exchange business of the user or meeting other small-amount change demands of the user; the cash returning channel is used for returning cash to the user due to the fact that the user cancels the deposit process autonomously under the condition that the state of the automatic teller machine is normal; the coin sorting channel serves as an independent coin outlet channel and is used for conveying coins to a coin outlet. In this way, the foreign currency mixed storage currency box and the coin currency box are additionally arranged on the ATM, so that the ATM supports the foreign currency exchange function, and the foreign currency exchange experience of the user is improved.

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.

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.

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.

The application discloses a method, device and equipment for monitoring a device and a computer readable medium, and relates to the technical field of Internet of Things. A specific embodiment of the method comprises: collecting a screen operation event of a user triggering a device by monitoring a buried point area information in a device operation page, wherein the screen operation event comprises an operation area and an operation event of the user for the operation page; determining control information of the operation page according to the operation area and the operation event in the screen operation event, and if the control information meets a device service condition, publishing an event-driven architecture message through the Internet of Things; and starting a device service prompt message in response to the event-driven architecture message to provide a service to a user using the device, wherein the service prompt message comprises a location of the device and an identification of the device. The embodiment can learn the device operation condition in time, and then solve the operation problem of the user.

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.

The application relates to the field of bank cross-bank cash withdrawal processing, and provides a cross-bank off-site no-card cash withdrawal processing method, device and system. The cross-bank off-site no-card cash withdrawal processing system receives a no-card cash withdrawal command and a card-issuing bank category selected by a customer through an automatic deposit and withdrawal device; a withdrawal bank server generates a corresponding pattern based on the no-card cash withdrawal command and the card-issuing bank category; a mobile terminal identifies the pattern to obtain corresponding pattern information; the withdrawal bank server authenticates the automatic deposit and withdrawal device according to the pattern information, and sends a success notification to the mobile terminal through a card-issuing bank server and a third-party server after the authentication is successful; the mobile terminal obtains corresponding withdrawal information based on the success notification; and the card-issuing bank server generates a withdrawal instruction based on the withdrawal information and the pattern information and sends the withdrawal instruction to the automatic deposit and withdrawal device, so that the automatic deposit and withdrawal device completes a withdrawal operation. The application can not only reduce the cost of an ATM machine, but also meet the needs of customers, thereby improving the user experience.