ATM Exception Handler Reconciling Cash Discrepancies

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Solution Overview

Problem

Automatic teller machines (ATMs) face challenges in accurately detecting and resolving discrepancies in cash counts due to misreporting by servicers, leading to false positive exceptions, which waste computing resources and complicate true exception handling.

Innovation Solution

An ATM exception handler that automatically reconciles cash discrepancies based on servicer and servicing date information, swapping amounts if they were counted by the same servicer on the same day to identify and resolve false positives.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If servicers manually count and report cash amounts at multiple ATMs, then cash inventory can be tracked, but false positive exceptions occur due to misreporting or bulk servicing errors

Engineering Contradiction:
Improvecash count accuracyVSAvoidexception detection reliability
Core Design Contradiction:
Measurement precisionVSReliability

Solution Approach 1:

The system merges exception detection across multiple ATMs by analyzing patterns of discrepancies. When multiple ATMs show exceptions with identical characteristics (same cash amount, same servicer, same date), the system combines this information to determine these are likely false positives caused by bulk servicing errors rather than actual exceptions at individual ATMs.

Inventive Principle:
Principle #5Merging (Combining)

Solution Approach 2:

The system implements feedback by using detected exception patterns to improve future exception detection. When false positives are identified through pattern recognition, the system learns from these cases and adjusts its exception handling, reducing false alarms in subsequent operations while maintaining sensitivity to true exceptions.

Inventive Principle:
Principle #23Feedback

2Reliability

If exceptions are manually reviewed to determine true vs. false positives, then accurate exception handling can be achieved, but computing resources are wasted and resolution time increases

Engineering Contradiction:
Improveexception handling accuracyVSAvoidexception resolution speed
Core Design Contradiction:
ReliabilityVSProductivity

Solution Approach 1:

The system performs self-service by automatically detecting and resolving false positive exceptions without requiring manual review. Through pattern recognition and automated analysis of exception characteristics, the system identifies false positives and resolves them autonomously, freeing computational resources and accelerating the exception resolution process while maintaining high accuracy.

Inventive Principle:
Principle #25Self-service

3Productivity

If bulk servicing of multiple ATMs is performed, then servicing efficiency increases, but misattribution of cash amounts to incorrect ATMs occurs

Engineering Contradiction:
Improveservicing efficiencyVSAvoidcash amount attribution accuracy
Core Design Contradiction:
ProductivityVSMeasurement precision

Solution Approach 1:

The system applies segmentation by analyzing exceptions at the individual ATM level even when bulk servicing occurs. By breaking down the bulk servicing data into individual ATM records and comparing each against its specific transaction history, the system can accurately attribute cash amounts to the correct ATMs and identify genuine exceptions versus servicing errors.

Inventive Principle:
Principle #1Segmentation

Data Source

PatentUS11468747B2Automated exception handling for automatic teller machines
Publication Date: 2022.10.11 BANK OF AMERICA CORP
  • US11468747B2 patent drawing
  • US11468747B2 patent drawing
  • US11468747B2 patent drawing

AI summary

An ATM exception handler automatically handles certain forms of exceptions. The exception handler receives messages indicating amounts of cash counted and amounts of cash shown at different ATMs. If exceptions are indicated by these messages, the exception handler attempts to reconcile exceptions with each other depending on several factors, such as, the servicer of the ATMs and day of servicing.