215results about "Automatic teller machines" patented technology

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.

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.

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.

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.

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.

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.

The application provides an alarm method and an alarm device, and relates to the technical field of automatic alarm. The alarm method is applied to an alarm device, and the alarm device is buried in a preset range of a target facility. The alarm device comprises a shell, a sound pressure sensor array rigidly connected with the shell, and a vibration velocity sensor array rigidly connected with the shell. The method comprises the following steps: acquiring a sound pressure signal collected by the sound pressure sensor array and a vibration velocity signal collected by the vibration velocity sensor array; detecting a sound-emitting target according to the sound pressure signal; detecting the direction of the sound-emitting target according to the vibration velocity signal; and sending an alarm information when the sound-emitting target is in a preset angle interval. The preset angle interval is used for indicating the direction of the target facility. The method is suitable for the process of risk alarm of the target facility, and is used for solving the problem of low alarm accuracy of current alarm products.

In some embodiments, based on a wireless signal of a mobile device (e.g., obtained by a local device) the mobile device and a first authentication capability of the mobile device may be detected. Based on the detection of the mobile device, the mobile device may present access initiation options on a user interface of the mobile device. Based on a selection of a first option of the access initiation options via the user interface to initiate an access request for an access operation with the local device, an authentication request may be generated, where the authentication request is associated with the first authentication capability and with a first authentication tier. For example, the authentication request may be generated based on (i) the first authentication capability being detected as an authentication capability of the mobile device and (ii) the first authentication tier corresponding to an access amount of the access request.

A sheet dispenser arrangement for an automated transaction machine (ATM) can include a shuttle frame guide, a shuttle frame, and a shuttle assembly. The shuttle frame guide can be configured to be positioned in the ATM. The shuttle frame can be telescopically engaged with the shuttle frame guide. The shuttle frame can be moveable between first and second end limits of travel. The shuttle frame can be moveable relative to the shuttle frame guide between a retracted position and an extended position. The shuttle assembly can be telescopically engaged with the shuttle frame. The shuttle assembly can be moveable between first and second end limits of travel. The shuttle assembly can be moveable relative to the shuttle frame between a retracted position and an extended position.

Methods for banking at an automated teller machine (ATM) using a mobile device. The ATM may automatically detect the presence of the mobile device in a vicinity of the ATM and initiate contact with the mobile device, or a mobile device may initiate contact with the ATM. After verifying user permission to access the ATM, the mobile device may be enabled to provide user access to one or more of the banking services available at the ATM using the mobile device and to view banking-related information on the mobile device. A mobile application on the mobile device may be used to access the ATM using the mobile device. While a mobile device is accessing the ATM, a screen on the ATM may become inactive for banking services and the option to select banking services directly at the ATM may be disabled.

A financial apparatus, comprising an enclosure (100), a banknote pressing mechanism (200), a banknote conveying mechanism (300) and a banknote pushing mechanism (400), wherein the banknote pressing mechanism (200) is movably arranged in the enclosure (100); the banknote conveying mechanism (300) is movably arranged in the enclosure (100), and an accommodating space with a banknote placing opening is formed among the banknote pressing mechanism (200), the banknote conveying mechanism (300) and the enclosure (100); and the banknote pushing mechanism (400) is movably arranged on the banknote conveying mechanism (300) and is used to push financial media (900) located in the accommodating space to the banknote pressing mechanism (200). By means of the banknote pushing mechanism (400) being movably arranged on the banknote conveying mechanism (300), after the counted financial media (900) are stored, the banknote pressing mechanism (200) moves in a direction away from the banknote conveying mechanism (300) to release the financial media (900), and the banknote pushing mechanism (400) pushes the financial media (900) located in the space to the banknote pressing mechanism (200), such that the financial media (900) originally inclined towards the banknote conveying mechanism (300) can move to fit onto the banknote pressing mechanism (200), and a user can directly observe whether there are still financial media (900) in the accommodating space, thereby improving the use safety and reliability of the financial apparatus.

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.

A secret code input device (3) for an operating terminal (1), comprising: a keyboard (7) having an upper and a lower side, and opposing lateral sides extending between the upper and lower sides, and a front, via which front the keyboard (7) is accessible to the user (B) for input, wherein the keyboard (7) defines a keyboard plane (T), a display screen (9) arranged adjacent to the upper side of the keyboard (7) and by means of which information can be presented to the user (B), and a privacy shield device (11) having a first and a second side wall arranged on the opposite lateral sides of the keyboard (7) to at least substantially prevent lateral visual access to the keyboard (7) and the display screen (9), and an upper privacy shield (21),which, viewed in a front view of the keyboard (7), extends upwards from adjacent to the upper side of the keyboard (7) along an extension area parallel to the keyboard plane (T), wherein the extension area of ​​the upper privacy screen extends frontally in front of the display screen (9),

[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).

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 medium storage device includes: a safe having, at a rear portion, an entrance for replenishment and recovery to which a transit cassette is connectable; an identification unit serving to identify whether a medium is a normal medium or a rejection medium; a temporary holding unit configured to temporarily accommodate a medium; a recycle cassette configured to accommodate the medium identified as the normal medium; a conveyance path configured to convey the medium between the identification unit, the temporary holding unit, and the recycle cassette; a control unit configured to control the conveyance path such that the medium replenished from the transit cassette is conveyed to the temporary holding unit, the medium conveyed to the temporary holding unit is conveyed to the identification unit, and the medium identified as the normal medium in the identification unit is conveyed to the recycle cassette.