1459results about "Complete banking machines" 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.

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.

A dual antiphase read-head arranged card reader is provided. The card reader includes a first read-head arrangement and a second read-head arrangement. Electromagnetic noise is applied to both the first and second arrangements. Waves associated with the electromagnetic noise on the second arrangement is transformed and applied to the first arrangement canceling the noise on a first read head of the first arrangement. The first read head reads magnetically encoded information on a magnetic strip of a card inserted into a card slot of the card reader free of noise. However, the noise remains present such that any skimmer read head of a skimmer inserted into the card slot is unable to read the magnetically encoded information off the magnetic strip of the card.

Arrangements for using generative artificial intelligence models for ATM process generation are provided. In some examples, a computing platform may receive, from at least one image or measurement capture device, dimension data associated with an ATM. The ATM may have a plurality of components arranged on a face of the ATM. The dimension data may be input to a generative artificial intelligence model and the model may be executed to output, based on the dimension data, a position or location of each ATM component relative to a reference point on the ATM. In some examples, the model may further output at least one audio script describing the location of each component. The model may output one or more translations of the at least one audio script. The computing platform may transmit or send the at least one audio script to the ATM for presentation during user interaction with the ATM.

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.

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.

The invention discloses a risk account processing method and device, electronic equipment and a storage medium, and relates to the technical field of data processing, and the method comprises the steps: responding to a risk account to log in an automatic teller machine, and obtaining a face image of an operator of the risk account collected by the automatic teller machine; inputting the face image into a preset face expression recognition model for expression recognition to obtain an expression recognition result of the face image; if it is determined that the expression recognition result is the first emotional expression or the second emotional expression, it is determined that the transaction behavior of the risk account is abnormal, and early warning information is output. Compared with the prior art, the automatic teller machine is used for collecting the face image of the operator of the risk account for expression recognition, if the expression recognition result is the first emotional expression or the second emotional expression, it is indicated that the emotion of the operator of the risk account is abnormal, and the emotion of the operator is closely related to the safety of the transaction behavior; whether the transaction behavior is abnormal or not can be determined through the expression recognition result, so that the security of the risk account is improved.

The invention discloses an equipment operation and maintenance method and device based on a large model and a storage medium, and belongs to the technical field of operation and maintenance. The equipment operation and maintenance method based on the large model comprises the steps of monitoring operation state data of target equipment; determining an equipment fault and a target fault level of the target equipment according to the large model, the operation state data and a fault knowledge base; and performing operation and maintenance on the target equipment according to the large model, the target fault level, the equipment fault and the operation and maintenance knowledge base, thereby reducing professional requirements on operation and maintenance personnel and improving operation and maintenance efficiency.

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.

Various aspects of the disclosure relate to monitoring a physical location to determine and / or predict anomalous activities. One or more machine learning algorithms may be used to analyze inputs from one or more sensors, cameras, audio recording equipment, and / or any other types of sensors to detect anomalous measurements / patterns. Notifications may be sent one or more devices in a network based on the detection.

The embodiment of the invention provides an ATM withdrawal method and device, electronic equipment, a storage medium and a product, and relates to the field of financial science and technology. The method comprises the steps of obtaining current transaction information corresponding to a bank card, and determining whether a current transaction is an abnormal transaction according to the current transaction information; if the current transaction is the abnormal transaction, determining whether a user of the bank card is a holder of the bank card; if the user of the bank card is the owner of the bank card, micro-expression analysis is carried out on the user, an analysis result is obtained, and if the analysis result indicates that the user is in an abnormal state, micro-expression analysis is carried out on the user again after a first preset duration; the latest analysis result indicates that the user is in an abnormal state or the number of times of micro-expression analysis exceeds the preset number of times; and if the latest analysis result indicates that the user is in the normal state, the current transaction is carried out according to the current transaction information, so that the security of the transaction is greatly improved, and the possibility of misjudgment and false alarm is reduced.

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.

Disclosed herein are system, method, and computer program product embodiments for allowing completion of cardless transactions at a kiosk using an encoded identifier for that kiosk. A user of a mobile app may begin a transaction on their mobile device and, upon reaching a stage of the transaction where kiosk access is needed, receive instructions to visit a kiosk and scan the encoded identifier displayed by the kiosk. The scanned encoded identifier may be associated with the transaction, and the mobile app may transmit a request to complete the transaction at the kiosk.

The invention belongs to the technical field of financial services, and particularly relates to a bank self-service financial service system which comprises a database module, an identification module, an interface switching module and a safety guarantee module. The database module is used for storing the card surface information and the first identity information, and associating the card surface information with the first identity information; the recognition module is used for acquiring and recognizing second identity information of the user and judging whether the second identity information is matched with the first identity information or not; the method comprises the following steps: after a user inserts a card into an ATM, extracting first identity information corresponding to card surface information; whether the first identity information is matched with the second identity information or not is judged, and if matching succeeds, the service interface of the ATM is switched, so that the service efficiency and quality can be improved when the elderly user independently uses the self-service financial service equipment to carry out account changing behaviors, and unmanned and online development of financial institutions is adapted.

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.

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.

The utility model provides an automatic voucher issuing device and financial equipment. The automatic voucher issuing device comprises a machine body, a medium issuing mechanism, a transfer mechanism and a printing mechanism, the machine body is provided with a plurality of placement layers which are arranged in the longitudinal direction, and the placement layers are provided with respective medium distribution mechanisms; the transferring mechanism is movably arranged on the machine body and can further convey the media output by the medium issuing mechanism to the printing mechanism. The printing mechanism is used for printing or supplementing the medium transmitted by the transfer mechanism to form a required voucher; the transfer mechanism comprises a transfer table, a paper feeding assembly, a guide assembly and a driving assembly for providing power; the transfer table can be controlled by the driving assembly to move to the corresponding placement layer, so that a paper inlet of the paper feeding assembly is opposite to a paper outlet of the medium issuing mechanism, and the transfer table is used for receiving the medium to the paper feeding assembly; automatic issuing, transferring and printing of vouchers are achieved, manual operation is greatly reduced, and working efficiency is improved.

The utility model relates to a device for turning pages of inner pages of a passbook in both positive and negative directions, comprising: an upper component and a lower component, wherein the upper component is rotatably connected to the lower component, and an entrance is also arranged on the side away from the connection between the upper component and the lower component, and the entrance is opened between the upper component and the lower component; a passbook transmission channel is formed between the upper component and the lower component, the passbook transmission channel is connected to the entrance, and the passbook transmission channel is used to limit the moving path of the article to be turned over; a first-level friction wheel assembly, a page turning wheel assembly and a second-level friction wheel assembly are arranged in pairs in sequence along the passbook transmission channel in a direction away from the entrance, and the passbook transmission channel is formed between the first-level friction wheel assembly, the page turning wheel assembly and the second-level friction wheel assembly that are tightly fitted; and the page turning wheel assembly is used to turn pages in both positive and negative directions. The beneficial effect of the utility model is that the device can turn pages automatically.

The utility model discloses a payment business intelligent terminal comprising a host, the front end face of the host is provided with an LCM, the host at the top side of the LCM is fixedly provided with a 3D camera, the host at the bottom side of the LCM is provided with a payment module, the payment module comprises an NFC and a code scanning window, and the NFC and the code scanning window are respectively arranged at two sides of the front end face of the host. According to the payment service intelligent terminal of the utility model, face swiping, non-contact card swiping or medical insurance electronic certificate code scanning are provided for clients during payment through the 3D camera, the NFC and the code scanning window, so that medical insurance electronic certificate activation and medical insurance settlement can be realized, and internal and external information interaction can be realized through the RJ1113 interface, the RJ4514 interface and the USB10 interface. During operation, whether the operation process is smooth or not can be observed through the set state indicator lamps, the equipment is abnormal if the red lamp is normally on, the equipment operates normally if the blue lamp is normally on, the red lamp and the blue lamp flicker respectively and represent firmware upgrading and successful payment respectively, and the equipment is shut down if the indicator lamps are all off.

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.

An automated teller machine (ATM) may include an input component and one or more processors. The input component may be configured to detect multi-factor input associated with an account. The multi-factor input may include at least two of: a sequence of characters input via the input component, a force with which at least one character, of the sequence of characters, is input via the input component, a length of time over which at least one character, of the sequence of characters, is input via the input component, or a combination of at least two characters, of the sequence of characters, that are input concurrently via the input component. The ATM may receive the multi-factor input, validate the multi-factor input in association with the account, and selectively permit or deny access to one or more actions associated with the account based on validating the multi-factor input.

A security device or apparatus for use with an ATM includes a pair of base assemblies selectively connected by a beam assembly. The beam assembly is designed to prevent access to one or more service doors of the ATM. In one version of the device the beam assembly includes a horizontally extending beam with vertically oriented posts extending from the beam. The device allows for the beam of the beam assembly to be moved from a locked position or state to an unlocked position or state. In the locked position access to the one or more service doors of the ATM is restricted or prevented, while in the unlocked position access to the one or more service doors of the ATM is permitted.

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.