298results about "Automatic teller machines" patented technology

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.

After loss of communications between a cash handling device and a financial institution, transactions may continue to be processed. In one configuration, the transactions may be processed up to a predefined transaction limit. Transaction limits may be defined by a number of transactions, a dollar amount transacted or to be transacted, an amount of time and / or combinations thereof. Additionally or alternatively, the transaction limit may be specific to one or more types of transactions. Transaction data may be stored in memory until communication has been re-established, at which time the data may be transmitted to the financial institution for processing.

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.

Techniques are described for providing touchless ATM transactions based on receipt of a pre-staged transaction initiated by an authenticated user via an online banking system of a bank and subsequent receipt of a cryptogram of the user's payment card at an ATM. A server device receives transaction data for the pre-staged transaction from a user computing device via a user interface of an application associated with the online banking system. The server device associates the pre-staged transaction with a bank account including one or more payment cards of the user. The server device later receives a cryptogram of a payment card from an ATM and, based on identification information included in the cryptogram, determines that the payment card at the ATM is one of the payment cards of the bank account associated with the pre-staged transaction. In response, the server device authorizes performance of the pre-staged transaction at the ATM.

Images captured for components of a device are monitored for changes by evaluating a first region of interest in the images. Periodically, a command is sent to the device to move one or more of the components to a known position or state. A certain component or set of components associated with being moved based on the command is evaluated in a second region of interest in the images to determine if the corresponding component or set of components is in the known position or state within the images. When the corresponding component or set of components is not identified from the images in the known position or state, a security alert is raised for the device and security operations are processed on the host device.

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.

Systems, methods, and apparatus for improving transaction security at a self-service kiosk are provided. A blank smart payment card may avoid storing sensitive identification data in an EMV chip or a magnetic stripe. The blank card may include a housing, with a wireless communication interface, microprocessor, and battery embedded in the housing. A card issuer may identify a dataset of sensitive information and apply dynamic clustering and encryption. The blank card may connect wirelessly to the issuer to obtain the encrypted clusters and store them in temporary storage. The blank card may self-authenticate to a kiosk by transmitting the encrypted clusters via a secure NFC connection. The kiosk may obtain a separate encryption key for each cluster from the issuer to decrypt and reconstruct the dataset. After every transaction, the issuer may apply new dynamic clustering to the dataset and replace the encrypted dataset stored on the blank card.

The invention discloses a financial processing device and financial equipment, and belongs to the technical field of financial equipment. The financial processing device comprises a box body, a paper money pressing mechanism, a paper money stacking mechanism and a paper money pushing mechanism, wherein the paper money pressing mechanism is movably arranged in the box body; the banknote stacking mechanism is movably arranged in the box body, and an accommodating space with an access port is formed among the banknote pressing mechanism, the banknote stacking mechanism and the box body; the banknote pushing mechanism is arranged on the banknote stacking mechanism and has an extending state and a retracting state; and in the extending state, the banknote pushing mechanism is used for pushing the financial medium in the accommodating space to the banknote pressing mechanism. The money pushing mechanism with the stretching-out state and the retracting state is arranged on the money stacking mechanism, so that the financial medium which originally leans against the money stacking mechanism can move to be in contact with the money pressing mechanism when the access opening is opened, and a user can visually notice whether the financial medium exists in the accommodating space or not; the possibility that the user forgets to take away the financial medium is reduced as much as possible, and the safety and reliability of the financial processing device are improved.

In an embodiment, a wearable multimedia device, comprises: a housing configured to attach to clothing of a user; a wide field-of-view camera embedded in the housing; one or more processors; memory storing instructions that when executed by the one or more processors, causes the one or more processors to perform operations comprising: capturing, using the camera, an image of a scene that includes a bar code displayed by a terminal device; determining an intent of the user to read the bar code; in accordance with the user's intent to read the barcode: cropping the barcode from the image of the scene; establishing, using the bar code, a communication channel with the terminal device; receiving, using the communication channel, transaction data from the terminal device; and responsive to the transaction data, sending, using the communication channel, authentication credentials to the terminal device.

In order to adjust the amount of money in a transaction apparatus installed in a store, a transaction system includes: a money handling unit that receives money, and recognizes and counts the received money to acquire a first total amount of the received money and a quantity of money for each denomination; a memory that stores therein a transaction condition including a transaction fee rate previously set for each denomination; and a processing unit that calculates, for each denomination, an amount of money by multiplying the quantity of money for each denomination by the transaction fee rate, based on the quantity of money and the transaction condition, and performs processing on a transaction of the received money, based on the first total amount acquired by the money handling unit and on a second total amount calculated by summing up the calculated amounts of money for the respective denominations.

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.

The present invention relates to a method and apparatus for biometric identification for use in connection with a payment or transaction based system, a stand alone and retrofit module for carrying out the same.

Provided is a method of stacking media in a media storage unit, which includes: receiving information about a length of a medium entering a media storage unit; calculating a delay time of a stopper corresponding to the length of the medium; and applying a delay time of the stopper calculated for each medium entering the media storage unit to differentially control activation of the stopper for each medium.

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 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.

Embodiments of the present disclosure are directed to operating an Automated Teller Machine (ATM) to provide an electronic game on or through the ATM where the electronic provides a chance for a user to reduce transaction fees associated with a withdrawal. Accordingly, embodiments add a gambling feature at an ATM or kiosk which allows the user and option to play an electronic game in an attempt to reduce or win some or all the ATM transaction fee. The electronic game can be a game of chance or a skills-based game. In some cases, the game can be a multi-player game and the amount of reduction in the transaction fee, or even a award larger than the transaction fee, can depend upon an amount in a pot for the game.

A data processing system which includes a first device that receives a service request from a first communication session participant. The system initiates a communication session between the first device and a second device. The first device transmits a first image to the second device. The second device creates a second image based on the first image. The second device displays the second image to a second communication session participant. The second device receives user input data from the second communication session participant. The user input data is a selection of pixels on a display screen of the second device. The second device calculates corresponding pixels on a display screen of the first device. The second device creates a control message based on the corresponding pixels and transmits the control message to the first device. The first device performs an action based on the control message to provide a service.

Systems, computer program products, and methods are described herein for using an anomaly deterrent sensor within a self-service machine for dispensing physical items. The present disclosure is configured to: detect an interaction between a payment instrument with available resources and a self-service machine for dispensing physical items; receive an anomaly notification from an anomaly deterrent sensor within the self-service machine for dispensing physical items wherein the anomaly notification is associated with forced entry into the self-service machine, wherein the anomaly deterrent sensor detects forced entry into a physical item dispensing area within the self-service machine during the interaction between the payment instrument and self-service machine; and trigger a set of security measures associated with the self-service machine for dispensing physical items upon reception of the anomaly notification originating from the anomaly deterrent sensor, wherein the set of security measures comprises playing a pre-recorded alarm.

An authentication computing device including at least one processor in communication with a memory is provided. The processor stores, within the memory, an authentication profile associated with an account holder. The authentication profile includes an account identifier associated with a payment account of the account holder and authentication information. The processor further receives an authentication request associated with the payment account and a payment card action request from a requestor for a payment card action to be performed through an automated teller machine (ATM). The processor also retrieves the stored authentication profile, generates an authentication challenge based on the authentication profile, transmits the authentication challenge to a client device and / or the ATM, receives an authentication response from the requestor, and determines an authentication result based, at least in part, on the authentication response. The authentication result indicates if the requestor is the authenticated account holder of the payment account.

A data processing system comprises a control device and a service device. The system determines a location (1) of the control device and determines a location (2) of the service device. When the control device is in proximity to the service device, the system authenticates (3) the control device at the service device. The control device receives a service request (4) from a user. The control device transmits (5) a service request message to the service device. The service device processes (6) the service request message. The service device transmits a service outcome message (7) to the control device. The control device provides output data (8) to the user. The system ceases display (9) of customer information on the display screen of the service device.

In order to adjust the amount of money in a transaction apparatus installed in a store, a transaction system includes: a money handling unit that receives money, and recognizes and counts the received money to acquire a first total amount of the received money and a quantity of money for each denomination; a memory that stores therein a transaction condition including a transaction fee rate previously set for each denomination; and a processing unit that calculates, for each denomination, an amount of money by multiplying the quantity of money for each denomination by the transaction fee rate, based on the quantity of money and the transaction condition, and performs processing on a transaction of the received money, based on the first total amount acquired by the money handling unit and on a second total amount calculated by summing up the calculated amounts of money for the respective denominations.

Provided is a method of stacking media in a media storage unit, which includes: receiving information about a length of a medium entering a media storage unit; calculating a delay time of a stopper corresponding to the length of the medium; and applying a delay time of the stopper calculated for each medium entering the media storage unit to differentially control activation of the stopper for each medium.

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.

To provide a contactless card, a method and a system for modifying the operation of a secondary device including an automated teller machine.SOLUTION: A contactless card useful for adjusting the operation, configuration, and / or performance of a secondary device includes a communication interface which allows the contactless card to transmit information to the secondary device using NFC signals. The contactless card stores accommodation information related to a physical accommodation desired by the user and transmits the information in a format of an accommodation message to the secondary device after being placed in an NFC field generated by the secondary device. The contactless card may request an authentication certificate in order to determine a degree of trust prior to sending an accommodation message. The contactless card may adjust accommodation information to be included in the accommodation message based on the authentication certificate received from the secondary device.SELECTED DRAWING: Figure 5

A cash handling device having at least one processor, a communication interface, an item accepting device, an item dispensing device, an internal currency scanning system, an internal currency transport system, one or more currency storage cartridges, and a memory may receive, from a user, a request to perform a deposit transaction. Based on receiving the request to perform the deposit transaction, the cash handling device may receive at least one deposit item for deposit. Subsequently, the cash handling device may validate the at least one deposit item received for deposit. Based on validating the at least one deposit item received for deposit, the cash handling device may generate a deposit transaction record that includes information directing a banking server to apply a provisional credit to a treasury account associated with the user. Subsequently, the cash handling device may send the deposit transaction record to the banking server.

Computer system comprising a terminal (186), a service computer system (150), a user computer system (100), an ID provider computer system (136), and an ID token (106) assigned to a user (102), wherein the ID token has an electronic memory (118) with a protected memory area (124) in which one or more attributes are stored, wherein access to the protected memory area is possible only via a processor (128) of the ID token, and wherein the ID token has a communication interface (108) for communication with a reader of a user computer system (100), wherein the terminal, the service computer system, the user computer system, the ID provider computer system, and the ID token are configured to perform the following steps: - Display of an optically readable pattern on a screen (188) of a terminal (186), wherein the optically readable pattern contains encoded information which includes at least a logical address of a service computer system (150) and transaction data, - Detection of the pattern using an optical sensor (190) of the user computer system and decoding of the pattern by the user computer system, - Transmission of a transaction request (158) from the user computer system to the logical address of the service computer system over the network, wherein the transaction request includes the transaction data, - Transmission of a request (166) from the service computer system via the user computer system (100) to an ID provider computer system (136), wherein the transmission takes place over the network, wherein the request includes an attribute specification of the attributes to be read from the ID token for the execution of the transaction, - User authentication against the ID token, - Authentication of the ID provider computer system to the ID token over the network, - provided that the user and the ID provider computer system are successfully authenticated to the ID token, the ID provider computer system reads the attribute(s) from the ID token according to the attribute specification over the network with end-to-end encryption, - Transmission of a response (174) from the ID provider computer system via the user computer system to the service computer system, wherein the transmission of the response takes place over the network, wherein the response includes the read attribute(s), and wherein the response is signed by the ID provider computer system, - Execution of the transaction using the transaction data and the attribute(s) by the service computer system, wherein the terminal is a machine, wherein the transaction data includes a payment amount, and wherein the transaction is initiated by the service computer system to carry out a financial transaction in the amount of the payment.