Entries |
Document | Title | Date |
20080215487 | METHOD AND SYSTEM FOR PERFORMING MONEY TRANSFER TRANSACTIONS - A method of performing a send money transfer transaction through a financial services institution includes storing transaction details on a data base, wherein the transaction details include a desired amount of money to be sent; establishing a code that corresponds to the transaction details stored on the data base; entering the code into an electronic transaction fulfillment device in communication with the data base to retrieve the transaction details from the data base; and determining a collect amount based on the transaction details. A system for performing a send money transfer transaction is also disclosed. | 09-04-2008 |
20080249937 | PAYMENT CARD BASED REMITTANCE SYSTEM WITH DELIVERY OF ANTI-MONEY LAUNDERING INFORMATION TO RECEIVING FINANCIAL INSTITUTION - A request for a funds transfer is received from a first financial institution located in a first country. The request includes data that indicates the name and residential address of an individual who initiated the funds transfer. The funds transfer is routed from the first financial institution to a second financial institution located in a second country that is different from the first country. The routing of the funds transfer includes transmitting, to the second financial institution, the name and residential address of the individual who initiated the funds transfer. | 10-09-2008 |
20080288401 | Commercial self-service electronic cash transfer transaction system "person to person debit transfer system" - Disclosed is a system for transferring funds from ATM to ATM by performing a Debit Transfer transaction. The system provides the consumer with an alternative service for making a money transfer. Today, there is no commercial self-service electronic process in the market that enables the consumer to perform a money transfer transaction electronically directly from ATM to ATM. With Person-to-Person Debit Transfer System money can be sent from an ATM by a Cardholder and the recipient being an “unbanked” customer can pick up the funds without any type of credit card. The present invention provides a method for quick cash for emergencies for family members, business associates, students and “unbanked” customers. | 11-20-2008 |
20080288402 | Automated banking machine and system - A cash dispensing automated banking machine that operates in response to data read from user cards includes a cash dispenser, keypad, and a card reader. The card reader is operative to read data bearing records such as user cards that include financial account information. At least one computer in the automated banking machine is responsive to a keymap specified by at least one markup language document and is responsive to configuration data accessed by the automated banking machine, to selectively enable a subset of keys of the keypad to be capable of providing inputs operative to cause the automated banking machine to carry out a portion of a banking transaction. | 11-20-2008 |
20080294555 | Data network-implemented tax advantaged account transaction and reconciliation - Data network-implemented tax advantaged account transaction and reconciliation is described, including identifying a tax advantaged account, the tax advantaged account being identified using a card configured to store data, receiving a transaction request, the transaction request being associated with the tax advantaged account, determining whether the transaction request indicates a taxable event, performing a transaction associated with the transaction request and the tax advantaged account, and generating a report associated with the tax advantaged account, the report indicating that a transaction was performed based on the transaction request. | 11-27-2008 |
20080306870 | PIN-LESS ATM PROCESSING SYSTEM - A system and method are provided for processing transactions across an ATM network without requiring the use of a PIN or a signature. The transactions can be aggregated to allow multiple purchases to be processed in a single transaction. | 12-11-2008 |
20080319903 | System and method for interacting with a self-service terminal - Systems and methods for processing custom structured tags at a self-service terminal are disclosed. Custom structured tags received by a self-service terminal can include information to identify one or more devices attached to the terminal and identify one or more types of data to be obtained from a user by use of the attached devices. In some embodiments, a browser can natively interpret the custom structured tags. The self-service terminal can also be configured to receive and decode structured tags identifying or more actions to be performed by the device, such as printing a transaction record or dispensing currency. | 12-25-2008 |
20090012897 | Person-to-person, person-to business and business-to-business financial transaction system - The delivery of a secure method and system of generating person to person, business to business, business to person and person to business transactions involving transfer of funds from one party (the purchaser) to a second party (the vendor). The functionality of existing credit/debit cards and the associated infrastructure is extended to provide a secure global mechanism for individuals/businesses to receive funds without revealing confidential information or having to become credit/debit accepting merchants. | 01-08-2009 |
20090018958 | Vendor independent proxy for self service - A method of operating a self-service terminal and a self-service terminal are described. The self-service terminal comprises a proxy that is arranged to intercept messages between a self-service terminal application and a self-service host application which meet defined criteria. The intercepted messages are then optionally modified and redirected to an alternative destination. This enables new functionality and transactions to be added to the self-service terminal. | 01-15-2009 |
20090063344 | SYSTEM AND METHOD FOR EXCHANGING FOREIGN COINS AND CURRENCY - A system and method are disclosed for converting leftover foreign currency into the native funds of a foreign traveler. The system is preferably embodied similar to how an ATM and Vending machines mechanically operate and is preferably located at a final destination for a foreign traveler such as an airport. The machine can preferably accept both coins and paper currency. Rather than converting the foreign money into the native currency, the traveler can insert a financial card and the converted currency is credited to the account associated with the card. Alternatively, a gift card can be credited and issued to the traveler for the amount of the converted currency. Tile system can be designed to receive accurate exchange rates once the traveler's desired country is selected. The system can also deduct a transaction fee before crediting the converted amount to the traveler. | 03-05-2009 |
20090083182 | Self-service terminal - A method of operating a self-service terminal and a network of self-service terminals. The method comprises: receiving notification that a maintenance operation has been performed on the terminal; performing a compliance check on the terminal; and issuing a code in the event that the compliance check is successful. The code can be used to audit and/or validate that the maintenance operation was performed successfully and that the terminal was left in working order. | 03-26-2009 |
20090132415 | MOBILE DEVICE CREDIT ACCOUNT - Providing for a mobile communication device (MCD) credit account and credit transactions by way of such an MCD is described herein. As an example, a credit account sponsored by a financial or commercial entity can be associated with a unique ID of an MCD. The MCD can interface with another electronic device and initiate credit transactions, such as commercial purchases, credit transfers, currency conversions, and the like, via the interface. Further, rules provided by the sponsoring entity can guide such transactions, enforcing credit limits, for instance. A management component can then synchronize transactions conducted by the device with a server of a financial institution over a remote communication interface, such as the Internet or a cellular/mobile communication network. Accordingly, a mobile device can replace a traditional credit card in transacting credit business. | 05-21-2009 |
20090138399 | PIN-LESS ATM PROCESSING SYSTEM - A system and method are provided for processing transactions across an ATM network without requiring the use of a PIN or a signature. The transactions can be aggregated to allow multiple purchases to be processed in a single transaction. | 05-28-2009 |
20090164372 | Methods of processing data captured during a deposit transaction conducted at an image-based self-service check depositing terminal - A method is provided of operating a self-service check depositing terminal. The method comprises the steps of receiving a user identification (ID) card from a depositor at the self-service check depositing terminal, reading ID data from the user ID card, sending the ID data to a consolidation server of a first financial institution to allow the first financial institution to process the ID data, and receiving from the first financial institution a first message containing a first Uniform Resource Locator (URL) which (i) is associated with a consolidation server of a second financial institution which is different from the first financial institution and (ii) is based upon the ID data which has been processed at the first financial institution. | 06-25-2009 |
20090192938 | Uncle Gem IV, Universal Automatic Instant Money, Data and Precious Metal and Stone Transfer Machine - The Universal Automatic Instant Money, Data and Gold Transfer Machine, Uncle GEM II, system is a multiplicity of devices on a communications network available 24 hours a day, used interchangeably as sender, receiver and dispenser of funds and data. The sender accepts standard currency and includes removable medium storage devices to transfer to another such device acting as a receiver/dispenser. Remitted amounts are inserted or deducted from credit/debit accounts or currency and who pays the fees charged is indicated by an initiator of the transaction. Transfer transaction information includes: the type of transfer (money/funds or data); which device deducts the fee; how much money or what data to transfer; and to who and where the transfer transaction is to be made available. A receipt is generated by the sender via the system and a receiver becomes a dispenser when the recipient retrieves a pending transaction using the appropriate password or identification. The cash, data, or financial instrument is then dispensed. The Uncle GEMs also feature acceptance of alternate payment options, such as, precious metal coins, i.e., gold, silver and platinum, and precious stones, i.e. diamonds, sapphires, and rubies. In essence, virtually anything can be bought, purchased, bartered, traded or sold. Smartcards, phonecards and store specific cards can be used to buy goods and services, can be bought, or can be reloaded using the Uncle GEM II system. | 07-30-2009 |
20090276358 | User Alerts For Monitored Transactions At Automatic Teller Machines - An improved method, apparatus, and computer implemented instructions for processing a check in an automatic teller machine in a data processing system. A check is received from a user at the automatic teller machine. The check is scanned to generate an image. A transaction is performed involving the check. The image is transmitted to a mobile device associated with the user, wherein the image is in a format for use with a financial program. | 11-05-2009 |
20090299901 | AUTOMATED REMITTANCE MACHINE AND METHOD - A method for use in remitting funds, including establishing a self-service apparatus in a location accessible by members of the public, allowing unrestricted access to input/output devices of the self-service apparatus, receiving from the self-service apparatus funds remittance information that is entered into the self-service apparatus by a user interacting with the input/output devices and remitting funds in accordance with the funds remittance information. A method includes establishing a first server that is configured to receive funds remittance information from a plurality of self-service apparatuses and determine which of a plurality of second servers is associated with a first one the plurality of self-service apparatuses. A remittance system includes a first server that is configured to perform a similar determination. | 12-03-2009 |
20090313167 | SYSTEMS FOR ELECTRONIC DEPOSIT OF FINANCIAL INSTRUMENTS AND ASSOCIATED METHODS - Aspects of the present invention are directed to embodiments that include system and methods for electronic deposit of a financial instrument. In one embodiment the system and method are configured to receive a financial transaction document associated with a user, wherein the financial transaction document is received at a location remote from the user; obtain an electronic image of the financial transaction document at the location; determine identification information about the user based upon data from the electronic image of the financial transaction document; receive handling instructions from the user regarding the financial transaction document; and, electronically deposit the financial transaction document with financial institution for application to an account associated with the user, the financial institution being remote from the user and remote from the location. | 12-17-2009 |
20100017327 | AUTOMATED TELLER MACHINE TRANSACTION QUEUE - Methods and a system for performing an automated teller machine (ATM) transaction using a queue are disclosed. A user may first initiate an ATM transaction from a networked device to create a pending ATM transaction. The pending ATM transaction is then stored into a queue until it is accessed by the ATM. When a user is ready to complete the pending ATM transaction, the pending ATM transaction is retrieved from the queue and is completed by, for example, the ATM. | 01-21-2010 |
20100017328 | Transaction processing - A transaction processing system for the real time authorization of payment transactions, The system comprises a verification system ( | 01-21-2010 |
20100030687 | Real-Time Settlement of Financial Transactions Using Electronic Fund Transfer Networks - Embodiments of a system for providing a financial management system to facilitate the transfer of funds among accounts held at different financial institutions and over different networks are described. The system performs a transaction involving a withdrawal of assets from a first account at a first financial institution and a deposit of at least a portion of the withdrawn assets to a second account at a second financial institution. The account user can select between real-time transactions and standard transactions. Real-time transactions are executed over an ATM network coupling the first financial institution and the second financial institution, and standard transactions are executed over an ACH network coupling the first financial institution and the second financial institution. | 02-04-2010 |
20100042543 | METHOD FOR THE WITHDRAWAL OF FUNDS AT CASH DISPENSERS WITHOUT A CARD, BY MEANS OF A PAYMENT ORDER VIA SMS - A method is described for the withdrawal of cash at automatic telling machines in which the beneficiary of the payment does not have to make use of a card, account or any other instrument in order to obtain cash, and without the need for any transfer of funds to take place. The method envisages that cash should be withdrawn by means of a payment order via SMS, permitting a principal to use a mobile telephone to order the payment of a certain amount of money to a third party, who, thanks to the information received at his mobile telephone, may withdraw that amount from any cash dispenser enabled for the purpose, having as a means of security an exclusive code or PIN for each operation known only by the principal and the beneficiary. The method of payment via SMS contemplated by the invention is especially applicable to the existing network of cash dispensers and services. | 02-18-2010 |
20100049654 | System and methods for a multi-channel payment platform - The platform executes secure payment transactions between customers and registered merchants by using remote terminals. When the user authorizes his/her payment data (e.g. using a credit card) to be permanently stored in the central system, it is possible to extend payment functionality to other remote devices (e.g. a mobile phone, a cable-TV, a touch-tone telephone . . . etc). By remotely placing the payment functionality on the central system, payment data are never managed by the merchant or by the user. The system comprises a central computer information system and a number of remote terminals used for executing payment requests. When receiving a payment request, the platform recognizes the user, retrieves from its database his method of payment, the merchant account number and conducts the real payment transaction interacting with external financial institutions. | 02-25-2010 |
20100057615 | Method of transferring money - A Method of Transferring Money includes the steps of: Accepting Information from a Sender, Creating a PIN (Personal Identification Number) for Sender, Accepting funds from Sender, Wiring Funds to a Central Bank Account, Accepting a PIN Number from a Recipient, Comparing PIN Number provided by Recipient with PIN Number created for Sender, Disbursing Funds to Recipient. | 03-04-2010 |
20100070412 | CARD-LESS FINANCIAL TRANSACTION - Systems (and corresponding methodologies) that facilitate card-less financial transactions are provided. The innovation enables card-less ATM (automated teller machine) transactions such as cash withdrawals, transfers, balance inquiries, etc. In aspects, customers can set up an ‘electronic wallet’ account based upon a pre-set range or otherwise. Accordingly, access to the ‘electronic wallet’ is granted or denied based upon responses to challenges presented. | 03-18-2010 |
20100070413 | SYSTEM FOR THE OPERATIONAL ACTIVATION OF BANKING ATM NETWORKS AND METHOD FOR THE MANAGEMENT OF BANKING ATM EQUIPMENT NETWORK - The “SYSTEM FOR THE OPERATIONAL ACTIVATION OF BANKING ATM NETWORKS AND METHOD FOR THE MANAGEMENT OF BANKING ATM EQUIPMENT NETWORK” is more particularly related to a system ( | 03-18-2010 |
20100088230 | Method of authorizing automated banking machine use responsive to user data read from data bearing records - An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with a server address, where a document is located. The document includes machine instructions for displaying a customer interface uniquely associated with the particular banking institution where the user holds the account. The customer interface includes user-selectable transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed to the user when the user operates automated banking machines of other banks. | 04-08-2010 |
20100114769 | Automated banking machine - An automated banking machine ( | 05-06-2010 |
20100114770 | Global Method and System For Providing Enhanced Transactional Functionality Through a Customer Terminal - A global customer activated terminal (CAT) that primarily serves traveling customers who require access to their accounts when they are away from their home financial institution and beyond their local regional financial area is provided. The system provides applications that permit users to access their accounts and utilize account profiles and transaction journals within a generic global system approach, and each transaction set provides access to the user's full account profile. The traveling customer is also provided with access to all their accounts linked (as they would locally) to a specific card. The hardware employed in the system supports encryption key downloading, personal identification number (PIN) unscrambling and PIN encryption, so that security is instituted at the hardware level. To provide the maximum flexibility at each regional level for product and services offered, regional front end processors (FEPs) and Hosts (small financial systems) are the arbitrators of each transaction . . . acceptance and fulfillment, rather than the CAT. | 05-06-2010 |
20100114771 | AUTOMATED DOCUMENT CASHING SYSTEM - Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies the user. Validation of the document involves one or more of: validating the presence of a signature; validating the amount of the monetary transaction document including a manual entry of the amount by the user; validating CAR against the LAR; and validating the banking system parameters and rules for the customer and/or the transaction. To assist in the automatic analysis of data on monetary transactional documents or on remittance documents, the user is prompted to provide a bounding box about the data. An image touch screen may be touched by the user to locate the bounding box and the user may magnify the data to fill the boundary box to exclude other data from analysis. After document and person validation, the system will dispense money or transfer monies to a savings account, a checking account, a smart card, or the like. The system will also write money orders or wire transfer money. | 05-06-2010 |
20100114772 | AUTOMATED DOCUMENT CASHING SYSTEM - Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies the user. Validation of the document involves one or more of: validating the presence of a signature; validating the amount of the monetary transaction document including a manual entry of the amount by the user; validating CAR against the LAR; and validating the banking system parameters and rules for the customer and/or the transaction. To assist in the automatic analysis of data on monetary transactional documents or on remittance documents, the user is prompted to provide a bounding box about the data. An image touch screen may be touched by the user to locate the bounding box and the user may magnify the data to fill the boundary box to exclude other data from analysis. After document and person validation, the system will dispense money or transfer monies to a savings account, a checking account, a smart card, or the like. The system will also write money orders or wire transfer money. | 05-06-2010 |
20100138342 | SYSTEM AND METHOD FOR EXECUTING CASH PAYMENT VIA A COMPUTER NETWORK - The invention presented comprises a system and method for executing a cash payment via a computer network. A payor computing device communicates over a computer network with payee computing devices via a P2P server. The P2P server is operative to receive a payment request from the payor computing device and process the payment by debiting a financial instrument specified by a payor utilizing the payor computing device. The payment request is transmitted from the P2P server to a cash payment server operative to receive the payment request and translate the request into the native format of an ATM control server, the native format of the P2P server and ATM control server not being interoperable. The ATM control server is operative to generate a PIN code, which is transmitted along with the received payment instructions to an ATM. The ATM receives the payment instructions and dispenses the payment upon receipt of the PIN code. Receipt data is also generated by the ATM control server, translated into the native format of the P2P server by the cash payment server, and delivered to the payor and payee via the P2P sever. | 06-03-2010 |
20100138343 | DYNAMIC HOLD DECISIONING - Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining a deposit amount for the deposit item; (c) determining a payee account to receive the deposit item; (d) determining a hold limit for the payee account; and (e) determining a hold decision for the deposit item based at least partially on a comparison of the deposit amount to the hold limit. In some embodiments, the hold limit is based at least partially on (a) an account balance associated with the payee account, and (b) one or more other characteristics associated with the payee account. | 06-03-2010 |
20100145852 | METHODS AND SYSTEMS FOR MANAGING LOSS OR THEFT OF ATM CARDS - Embodiments of the present invention relate to ways of processing the loss or theft of a an ATM card or the like including: reporting to a card provider that the card has been lost or stolen; authenticating the reported loss or theft and restricting the subsequent use of the card; and issuing a cash withdrawal code, which is usable for withdrawing an agreed amount of emergency cash from a cash dispensing machine without•requiring the use of a cash dispensing card, and storing the cash withdrawal code. Embodiments of the present invention thereby enable the card holder to withdraw cash in a situation where they may otherwise be without the facility to obtain cash while limiting or preventing the ability for anyone to misuse the card that has been reported as lost or stolen. Generating of issuing a PIN or code after the card was stolen or loss of said card. | 06-10-2010 |
20100145853 | ITEM-LEVEL HOLD DECISIONING - Embodiments of the present invention relate to methods and apparatuses for determining, recommending, and/or placing holds on deposit items. For example, some embodiments provide a method that includes: (a) receiving, from a deposit location during a single deposit transaction, information associated with a first deposit item in the single deposit transaction; (b) receiving, from the deposit location during the single deposit transaction, information associated with a second deposit item in the single deposit transaction; (c) determining, using a processor, during the single deposit transaction, a first hold decision for the first deposit item based at least partially on the information associated with the first deposit item; (d) determining, using a processor, during the single deposit transaction, a second hold decision for the second deposit item based at least partially on the information associated with the second deposit item; (e) communicating, to the deposit location during the single deposit transaction, information associated with the first hold decision; and (f) communicating, to the deposit location during the single deposit transaction, information associated with the second hold decision. | 06-10-2010 |
20100161487 | SYSTEMS AND METHODS FOR MOBILE TRANSACTIONS - In accordance with one or more embodiments of the present disclosure, systems and methods for facilitating financial transactions over a network include communicating with a user via a kiosk device and a mobile communication device over the network. In various implementations, the systems and methods include accessing at least one account related to the user, depositing finds into the account based on a cash deposit request received from the user at the kiosk device, and transferring funds from the account to one or more other accounts, related and/or unrelated to the user, based on a fund transfer request received from the user via the mobile communication device. | 06-24-2010 |
20100174646 | Person-to-Person Funds Transfer - Systems and methods are illustrated for performing a person-to-person funds transfer. A person-to-person funds transfer process may be divided into a funds transfer initiation process to receive the funds to be transferred and recipient information from a sender and a funds retrieval process to provide the funds to a recipient. The funds transfer initiation process may include a customizable authentication step that provides the sender an opportunity to determine the level of authentication. The funds transfer retrieval process may include determining whether the recipient is authenticated based on the authentication level chosen by the sender. | 07-08-2010 |
20100223181 | Automated banking machine with improved resistance to fraud - A cash dispensing automated banking machine includes a card reader associated with a card slot. An anti-fraud sensing device is able to sense ambient light or generated radiation that passes to the sensing device through the card reader slot. The installation of an unauthorized card reading device on the machine changes at least one property sensed by the sensing device. A controller in the machine receives signals from the sensing device, and determines if an unauthorized card reading device has been installed. | 09-02-2010 |
20100223182 | Integrated Technology Money Transfer System - A money transfer system where a sender can authorize an escrow agent computer system electronically by touch-tone telephone, computer modem, P.O.S. (point of sale) terminal, live operators, and the like, to send a money transfer such as a cash transfer from their card account such as their credit card, debit card, bank card, ATM card, or a bank checking account, bank savings account, and the like, to a recipient that can access the money transfer at any remote ATM type location or P.O.S. (point of sale) terminal by using magnetic cards such as a specialized magnetic (Cash Magic) card, credit cards, debit cards, and automated teller machine (ATM) card, at anytime and anywhere that the ATM or P.O.S. (point of sale) terminal is located worldwide. The system can be used to quickly and easily send another party cash for pickup at any ATM location or P.O.S. (point of sale) terminal worldwide without having pre-existing relationships between the parties. A sending party can authorize, by touch-tone and PIN (personal identification number) secure codes to a central computer system which authorizes taking of funds from one type account (for example, a bank account, a credit account, and the like) and put credit for access by a recipient-user. The recipient-users can take the cards to withdrawal sites such as ATM machines, merchant machines, credit card machines, banks, and the like, to be used. The invention computer system can monitor the charging transaction and take surcharges based on the amount of cash being transferred and deposited into the escrow account accessible by the debit type cards. The system can be an alternative to wire money transfers, and Western Union type services. The system offers customers an easy method for sending cash, making it available at existing ATM type machine locations throughout the world, 24 hours a day, 365 days a year. The invention can also allow for having a universal specialized magnetic card permanently tethered to an ATM machine so that money transfer recipients do not need to possess any magnetic card, and/or be used with novel double magnetic sided cards. | 09-02-2010 |
20100235278 | Card activated cash dispensing automated banking machine system and method - An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. While a user operates the system to dispense cash or perform other banking operations, the system may further permit at least one portable wireless device to wirelessly access the system to conduct transactions. | 09-16-2010 |
20100241564 | Banking system controlled responsive to data bearing records - A banking system operates to cause financial transfers responsive to card data read from data bearing records by a card reader. The system includes at least one automated banking machine comprising a cash dispenser. The system is operative during a cash dispense transaction request to receive through an automated banking machine, user input of data corresponding to a mobile phone number. The system is operative to generate a security code for the requested cash dispense transaction. The system uses the phone number to send the generated security code to the mobile phone. The cash dispense transaction is allowed to proceed only if the system receives machine user input of the sent security code within a predetermined amount of time. | 09-23-2010 |
20100262541 | CREDIT CARD SECURITY SYSTEM - A system for the prevention of fraud in various financial transactions including a central processing unit (CPU) associated with a financial institution and in communication with a customer database of the institution, the CPU including elements for receiving a telecommunication from a customer communication device, the telecommunication indicating the requirement for a transaction; the database and/or CPU identifying the customer telephone number and matching it with the customer details in the database; the establishment of a match in the matching process triggering activation of the account to permit a transaction of a specified monetary value. | 10-14-2010 |
20100306106 | Apparatus system and method of Payment identification means using pulse and fingerprints - The present invention is in the filed of identification of the human being which charging payment means such as credit card, by his physical appearance, or by e-payment such as telephone call or internet or computerized system or device. More particular, the present invention adding to the debit system an additional system that is to insure that the identity of the user making the payment means is the alleged person whom is the credit card owner for example, this achieved by the invention system that require the finger print data and at the same immediate time the pulse of the finger that attached to the device. That is to be achieved and detect by the system at the same time, when the person put his finger for the purpose of examine his fingerprint matching to the system fingerprint database to the owner personal data from the credit card company for example. The present invention innovates in a system and method that has a device suitable for the user finger, connected to a computerized base or center dedicated with software that enable the optional detecting of a human body unordinary physical measurement to a second opinion or detection regarding the existing purchasing act. | 12-02-2010 |
20100318461 | Automated banking machine system and method - A card actuated automated banking machine ( | 12-16-2010 |
20100318462 | BANKING SYSTEM OPERATED RESPONSIVE TO DATA READ FROM DATA BEARING RECORDS - A system includes automated banking machines that operate responsive to data read from data bearing records. Transactions may also be carried out through communication with local and remote service providers. An automated banking machine ( | 12-16-2010 |
20100332388 | Personalized Bank Teller Machine - A system and method is provided for an ATM having a display, a logic server coupled to the display, and a memory coupled to the logic server. The logic server dynamically controls the functions available to the users including messages and coupons. A host contains a profile of a user. The memory, which is accessible to the logic server, may contain a profile of at least one user. A user card may contain a profile of the user. In operation, the ATM detects the a user's card and requests the profile of the user whose card was detected from a host. The ATM then receives the user's profile and stores the user's profile in the ATM. The system and method also provides a cardless ATM in which a user logs on without a card. Additionally, system and method also provides ATM services via a personal device. | 12-30-2010 |
20100332389 | SIM CHIP BANK SYSTEM AND METHOD - A Subscriber Identity Module (SIM) Chip Bank system and method for enabling users registered in the system to control their financial and telecommunications resources from their mobile device over a mobile communications network. The system combines mobile network providers and financial services through the use of SIM chips without the need for modifying the users' mobile devices or SIM chip installed thereon. A SIM Chip Bank System Operator (SCB-O) regulates data flow between users, banks, mobile communications service providers, SIM Chip Automated teller Machines and SIM Chip Service Providing Machines through a plurality of communications channels. Upon a user connecting to the SCB-O to request a transaction, the SCB-O connects to the appropriate bank to authorize the requested transaction. Upon successful completion, reports are sent back and forth to users confirming the event. | 12-30-2010 |
20110016046 | Cash-deposit Device, Method, and System - A system, device, and method for performing a cash transaction using a cash transaction system is disclosed. The cash transaction system comprises an automated cash receiving and storing machine and a remote database designed to communicate with the automated cash receiving and storing machine via Internet. The automated cash receiving and storing machine includes an outer housing, a computerized means, a user-interface touch screen panel, a cash-verifying means and a receipt generating means for generating the receipt of a cash transaction. The cash transaction system utilizes a software means programmed on the computerized means to enable a user to deposit cash in the automated cash receiving and storing machine and to transfer at least one portion of the cash to at least one remote account without requiring a traditional bank account. | 01-20-2011 |
20110016047 | FINANCIAL TRANSACTION SYSTEM, AUTOMATED TELLER MACHINE (ATM), AND METHOD FOR OPERATING AN ATM - A financial transaction system is provided. The financial transaction system includes a server and at least one automated teller machine (ATM). In response to a request from a user, the server issues a one-time password (OTP) to the user's mobile device. The ATM receives an OTP from the user and sends the received OTP to the server for verification, in order to perform a financial transaction operation. | 01-20-2011 |
20110055084 | TECHNIQUES FOR REMOTE CONTROLLED PHYSICAL TRANSACTIONS WITH DYNAMIC KEY GENERATION AND AUTHENTICATION - Techniques for remote controlled physical transactions with dynamic key generation and authentication are provided. A portable device is accessed remotely and separately from an Automated Teller Machine (ATM). The portable device is used to authenticate and initiate a cash transaction. The portable device is supplied a dynamically generated key and the key is provided to the ATM to finalize the transaction and cash is dispensed via the ATM. | 03-03-2011 |
20110066550 | SYSTEM AND METHOD FOR A SECURE FUNDS TRANSFER - According to one embodiment, a gateway receives a transaction from a first device in local communication with a second device. The transaction includes a payment amount and a plurality of authorization codes. The gateway uses the authorization codes to authorize the transaction and to determine an account for each device. The gateway then instructs an account manager to withdraw the payment amount from the account of the first device and to deposit it into the account of the second device. A result is received at the gateway, and the gateway sends the result to each device. | 03-17-2011 |
20110093389 | System and method for a private and secure financial transaction system using an ATM - A financial transaction system between a customer and a financial institution that facilitates use of a mobile wireless device at an ATM in lieu of an ATM card provides for a central system, a portable wireless device of the customer, an automated teller machine (ATM), an ATM identification on an ATM identification tag. The portable wireless device has an interface that is able to read the ATM identification. The central system, the portable wireless device, and the ATM communicate on a global computer network and the portable wireless device is used to conduct a financial transaction with the ATM in lieu of a bankcard of the financial institution. | 04-21-2011 |
20110106700 | METHOD, APPARATUS AND PROGRAM FOR PERFORMING PERSONAL AUTHENTICATION AND INPUTTING OPERATION INSTRUCTION ON THE BASIS OF BIOMETRIC INFORMATION INCLUDING POSTURE INFORMATION - A method includes obtaining an image to be compared at the time of use which is intended for comparing biometric information at the time of use of a user, obtaining posture information at the time of use which indicates a posture when biometric information at the time of use of the user is shot, performing personal authentication for the user by comparing the image to be compared at the time of use with a preregistered image to be compared at the time of registration of the user, and inputting an operation instruction corresponding to operation information preregistered in association with posture information at the time of registration which is determined to match, by comparing the posture information at the time of use with a plurality of pieces of preregistered posture information at the time of registration of the user. | 05-05-2011 |
20110119183 | METHODS AND APPARATUS FOR PROVIDING CURRENCY AT AN AIRLINE CHECK-IN MACHINE - The present disclosure provides methods and apparatus for providing currency at an airline check-in machine. In general, the improved airline check-in machine dispenses one or more currencies for the user. Preferably, the currency(s) are selected from a database of currency based on the geographic location of the airline check-in machine and/or the user's flight destination. For example, the airline check-in machine may offer Euros based on a determination the user is traveling to Italy. In addition, the user may choose to pay for the currency using the same debit or credit card the user inserted into the airline check-in machine for identification or in any other suitable manner. | 05-19-2011 |
20110119184 | System and method for a private and secure financial transaction system using a central system - A financial transaction system between a customer and a financial institution has a central system that facilitates private and secure payment transactions from a customer of the financial institution to a payee and that stores personal and private data of a customer that is referenced to an identification of a wireless mobile device of the customer. The central system receives financial transaction requests from the mobile device for transaction from a one or bank accounts of the customer. The central system identifies and verifies the customer and assembles payment authorization transaction requests and submits the payment transaction record to the customer's financial institution, thereby reducing the number of people and systems who would have access to the private data of the customer, and thus reducing the number of fraudulent financial transactions. | 05-19-2011 |
20110119185 | Card activated cash dispensing automated banking machine system and method - An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. While a user operates the system to dispense cash or perform other banking operations, the system may further permit at least one portable wireless device to wirelessly access the system to conduct transactions. | 05-19-2011 |
20110119186 | SYSTEM AND METHOD FOR IMPLEMENTING A VIRTUAL AUTOMATED TELLER MACHINE - Method and system for implementing a virtual automated teller machine (“VATM”) system are described. In one embodiment, the system includes a VATM host connectable to each of a plurality of disbursement entities (“DEs”) via a secure connection. The system further includes an accessing computer connectable to the VATM host via a secure connection, the accessing computer comprising a device for acquiring user account information and having installed thereon VATM client software executable by the accessing computer to interact with the VATM host to validate the acquired user account information and an associated PIN provided by the user. Responsive to the validation, the user is presented with a list of DEs and prompted to select one DE from the list of DEs from which funds are to be disbursed to the user and specify an amount of funds to be disbursed. The VATM host sends a disbursement order to the selected DE indicating the specified amount of funds to be disbursed. | 05-19-2011 |
20110125640 | Banking system operated responsive to data read from data bearing records - A system includes automated banking machines that operate responsive to data read from data bearing records. Transactions may also be carried out through communication with local and remote service providers. An automated banking machine ( | 05-26-2011 |
20110125641 | SYSTEM AND METHOD FOR TRACING BANK NOTES - A system and method are provided for tracing bank notes or, specifically, counterfeit money. In one example of the tracing system, an automatic teller machine (ATM) electronically connected to one or more devices is provided. The one or more devices comprise a deposit device configured to receive an initial bank note; an image extraction device configured to extract one or more initial images from the initial bank note; a transaction log device configured to attach a transaction log to the one or more initial images, wherein the deposit device is further configured to receive a subsequent bank note, wherein the image extraction device is further configured to extract one or more subsequent images from the subsequent bank note; and a comparison device configured to compare the one or initial images to the one or more subsequent images in order to obtain a comparison result. | 05-26-2011 |
20110137795 | AUTOMATED TELLER MACHINE SYSTEM - Exemplary embodiments are directed to processing Automated Teller Machine (ATM) transactions. A transaction request can be received from an ATM. The transaction request can include account information read from a transaction card and a transaction request. The account information corresponds to a first account. The transaction request is incapable of being processed using the first account for which the transaction card was issued. A second account belonging to the account holder of the first account can be identified and can be a different type of account than the first account. The transaction request is capable of being processed using the second account. The transaction request can be processed using the second account to perform the ATM transaction requested. | 06-09-2011 |
20110145144 | Method of authorizing automated banking machine use responsive to user data read from data bearing records - An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks. | 06-16-2011 |
20110145145 | Integrated Technology Money Transfer System - A money transfer system where a sender can authorize an escrow agent computer system electronically by touch-tone telephone, computer modem, P.O.S. (point of sale) terminal, live operators, and the like, to send a money transfer such as a cash transfer from their card account such as their credit card, debit card, bank card, ATM card, or a bank checking account, bank savings account, and the like, to a recipient that can access the money transfer at any remote ATM type location or P.O.S. (point of sale) terminal by using magnetic cards such as a specialized magnetic (Cash Magic) card, credit cards, debit cards, and automated teller machine (ATM) card, at anytime and anywhere that the ATM or P.O.S. (point of sale) terminal is located worldwide. The system can be used to quickly and easily send another party cash for pickup at any ATM location or P.O.S. (point of sale) terminal worldwide without having pre-existing relationships between the parties. A sending party can authorize, by touch-tone and PIN (personal identification number) secure codes to a central computer system which authorizes taking of funds from one type account (for example, a bank account, a credit account, and the like) and put credit for access by a recipient-user. The recipient-users can take the cards to withdrawal sites such as ATM machines, merchant machines, credit card machines, banks, and the like, to be used. The invention computer system can monitor the charging transaction and take surcharges based on the amount of cash being transferred and deposited into the escrow account accessible by the debit type cards. The system can be an alternative to wire money transfers, and Western Union type services. The system offers customers an easy method for sending cash, making it available at existing ATM type machine locations throughout the world, 24 hours a day, 365 days a year. The invention can also allow for having a universal specialized magnetic card permanently tethered to an ATM machine so that money transfer recipients do not need to possess any magnetic card, and/or be used with novel double magnetic sided cards. | 06-16-2011 |
20110167000 | Smart Safe for Multiple Users - In some embodiments, a method for processing a safe transaction includes receiving at a safe a first deposit of currency from a first user. Identification information is received from the first user. The identification information identifies the first user, an amount of the first deposit, and an account of the first user with a first financial institution. Transaction information is transmitted to the first financial institution. The transaction information provides information to the first financial institution of the first deposit to facilitate the first financial institution crediting the account of the first user. | 07-07-2011 |
20110184864 | CASH FOLDING APPARATUS AND METHOD - Embodiments of the present invention provide currency solutions for the visually impaired by, for example, providing automated teller machines (ATMs) or other cash dispensers configured to dispense folded bills to the customer. The bills are folded based on denomination to allow the customer receiving the bills from the cash dispenser to be able to identify the denomination of each bill. In some embodiments, the cash dispenser is configured to automatically identify whether the customer prefers to receive folded bills and, in some embodiments, the cash dispenser is configured to fold and dispense bills according to customer preferences. | 07-28-2011 |
20110184865 | INTERACTING WITH USER AT ATM BASED ON USER PREFERENCES - Embodiments of the present invention provide apparatuses, methods, and computer program products that allow for interaction with a user at an automated teller machine (ATM) based on pre-established user preferences. For example, an ATM is provided having: (1) a user interface configured to receive user identifying information from a user; and (2) a processing device operatively coupled to the user interface and configured to use the user identifying information to determine a pre-established user preference, wherein the processing device is further configured to use the user interface to interact with the user based at least partially on the pre-established user preference. | 07-28-2011 |
20110191242 | Check Cashing At Automated Teller Machine - A system and method of check cashing at an ATM are provided. In some examples, the system and method may include receiving a check at an ATM that does not include denominations of bills and/or coins to cash the check. The amount of the check may be rounded up to an amount for which appropriate denominations are available and the difference between the amount of the check and the rounded up amount may be charged to an account of a user, such as checking account, savings account, credit card, and the like. | 08-04-2011 |
20110191243 | Automated Teller Machine Load Balancing - A system and method of balancing load between one or more ATMs is provided. In some examples, a notification of a service issue may be received from a first ATM. A determination may be made as to whether ATMs within a predefined geographic distance of the first ATM may have sufficient capacity to support additional transactions due to the first ATM being out of service. If the additional ATMs do have sufficient capacity, a service call to address the service issue at the first ATM may be postponed, for instance, until a more convenient time, a regular business day, etc. If the additional ATMs in the area do not have sufficient capacity, a service call may be placed to address the service issue at the first ATM as soon as possible. | 08-04-2011 |
20110196789 | SELECTING A MIX OF DENOMINATIONS - A graphical user interface (GUI) for enabling a user to select a mix of denominations to complete a dispense transaction for a desired amount. The graphical user interface comprises: a denomination region and a selection region. The denomination region includes a plurality of groups of different denominations, each group illustrating a selectable front media item indicating the denomination value, and at least one selectable tab illustrating a value for a multiple of that denomination value. The selection region comprises a region into which one or more selected front media items and one or more selected tabs can be placed by the user until the desired amount to be dispensed is reached. A method is also described for displaying the GUI and creating a signal indicative of the selected front media items and the selected tabs so that the created signal can be used to dispense the desired amount comprising the selected denominations. | 08-11-2011 |
20110213705 | Automated banking machine that operates responsive to data bearing records - A banking system controlled responsive to data bearing records includes a card reader that can read identifying data from user cards. The system can authorize operation of an automated banking machine responsive to the read data. The machine can provide an electronic transaction receipt to the machine user. A bank host computer is operable to submit the receipt to a system address of record with the bank. The address can correspond to an e-mail address, phone number, or other address associated with an account involved in the transaction. The receipt can also include an image associated with the transaction. The system can also operate to image a check deposited at the machine, and then electronically send the image to the check maker, the payee, and/or a clearinghouse. | 09-01-2011 |
20110225087 | Method of and apparatus for forecasting cash demand and load schedules for money dispensers - A method of and apparatus for forecasting cash demand for an automated teller machine (ATM) or any other cash dispensing devices for individual days, weeks and multi-day load periods. In one embodiment, an expected value of withdrawal for any particular period, as well as an upper limit on expected withdrawals for a given confidence level, are computed. The invention facilitates the creation of a daily and multi-day withdrawal forecast for a given ATM. The forecasts are also used to compute an optimum load amount for a given load period (the period between loading operations) for a given ATM, subject to given parameters (such as courier cost, interest rate, transit time, desired confidence level, cost of run-out, and the like) and given constraints (bundle size, maximum capacity, possible delivery days, and the like). The forecasts are also used to determine an optimal load period length and schedule. After the ATM is loaded, the system monitors cash in the ATM during a load period to facilitate potential corrective action if actual withdrawals exceed forecasted withdrawals or, in the alternative, if the ATM will contain excessive funds on its upcoming regularly scheduled load date, e.g., due to much lower withdrawals than expected or due to the ATM becoming unavailable for a given portion of the load period. | 09-15-2011 |
20110231313 | Creating and Utilizing an Image Replacement System - Aspects of this disclosure relate to a computer which may include a processor and memory storing computer executable instructions that, when executed, cause the computer to perform a method for preparing an image replacement document. According to aspects of the disclosure, the method may include electronically receiving a notification of a potential defect in a negotiable instrument, associated with a financial transaction, uploaded at an automated teller machine (ATM), electronically receiving an electronic copy of an image of the negotiable instrument uploaded at the ATM, and electronically receiving information regarding the financial transaction which included the negotiable instrument being uploaded at the ATM, wherein the information regarding the financial transaction includes an account number of an account into which funds of the negotiable instrument are to be credited. | 09-22-2011 |
20110238572 | Remote Control Of Self-Service Terminal - Various methods and systems are described, that, for example, receive at a computer a first request for a remote control session to remotely control the computer; responsive to receiving the first request, determine whether a local transaction is being performed at the computer; and responsive to determining that a local transaction is being performed at the computer, reject the first request. | 09-29-2011 |
20110238573 | CARDLESS ATM TRANSACTION METHOD AND SYSTEM - A method and system are provided for conducting automatic teller machine (ATM) transactions without the use of an ATM card, using a mobile user device. The mobile user device communicates with an ATM, a provider interface or a network. The ATM communicates with the mobile user device through a contact or contactless means, which may include communication through any wireless connection such as RFID, Bluetooth™ or other near field communication means, or through a USB port or other means of contact. A mobile user device may provide transaction information or authentication information to an ATM or to an authentication system in communication with an ATM. The transaction may be associated with the user's ATM account or another account. The mobile user device may generate a dynamic value which may be used as a password, an authentication value, an account identifier or a transaction identifier. | 09-29-2011 |
20110238574 | Banking system controlled responsive to data bearing records and user input of a phone received security code - A banking system operates to cause financial transfers responsive to card data read from data bearing records by a card reader. The system includes at least one automated banking machine comprising a cash dispenser. The system is operative during a cash dispense transaction request to receive through an automated banking machine, user input of data corresponding to a mobile phone number. The system is operative to generate a security code for the requested cash dispense transaction. The system uses the phone number to send the generated security code to the mobile phone. The cash dispense transaction is allowed to proceed only if the system receives machine user input of the sent security code within a predetermined amount of time. | 09-29-2011 |
20110251956 | SYSTEM AND METHOD FOR CORRESPONDENT BANK CUSTOMER ATM TRANSACTION PROCESSING - Systems and methods provide the customer of a correspondent bank, having a pre-arranged relationship with an ATM bank to use the ATM bank's ATM network, with the opportunity to deposit funds via check or cash using the ATM bank's ATM network. A correspondent bank profile and/or individual customer profiles are created and stored on the ATMs of the ATM bank and/or the backend system. The correspondent bank customer initiates a transaction with an ATM on the ATM network, is authenticated, and the ATM determines the customer is a customer of the correspondent bank. Based thereon, the ATM offers the customer the option to perform a deposit transaction. The ATM bank clears the deposited funds and sends transaction information to the correspondent bank including MICR data, check image, and transaction information. The transaction is settled through a demand deposit account owned by the correspondent bank and maintained by the ATM bank. | 10-13-2011 |
20110276483 | METHOD AND DEVICE FOR DEPOSITING CHECKS - The Invention relates to a method for submitting and processing checks using an ATM, which comprises a reading unit in order to read in the image data of a check, using a web service, which is provided over a network, comprising the following steps:
| 11-10-2011 |
20110282787 | MONEY TRANSFER SYSTEM AND METHOD - A monetary linking system (MLS) allowing real-time arid non-real-time linking of funds from a source bank account to one or more destination bank accounts. This system allows the owner of the destination account (the intended receiver) to access linked funds immediately by depositing them into their account via current and future banking services (i.e. online bank web site, bank teller, ATM) or withdrawing them from an Automated Teller Machine (ATM), a bank teller and other current and future withdrawal services. | 11-17-2011 |
20110288994 | Deposit Permissions For Non-Account Holders - Systems and methods for generating an access code are described. A first request to generate an access code for permitting a first individual to deposit monetary funds into an account associated with an entity is received. The first individual is not an account owner of the account. The access code for permitting the first individual to deposit monetary funds into the account associated with the entity is generated. A second request to output the access code for permitting the first individual to deposit monetary funds into the account associated with the entity is received, and the access code for permitting the first individual to deposit monetary funds into the account associated with the entity is outputted. One or more restrictions may be placed on the ability to deposit monetary funds in the account. | 11-24-2011 |
20110288995 | Deposit For Entity Associated Non-Account Holders - Systems and methods for permitting a credit card payment are described. An individual associated with a credit card account of an entity may be identified. A request to permit the individual associated with the credit card account of the entity to deposit a credit card payment in a self-service financial transaction device associated with the entity may be received. An identifier of the individual associated with the credit card account may be read. A request from the individual to deposit monetary funds as the credit card payment into the self-service financial transaction device may be received, and a determination may be made as to whether the individual is authorized to make the deposit. Monetary funds from the individual for deposit as the credit card payment may be received. One or more restrictions may be placed on the ability to deposit monetary funds as the credit card payment. | 11-24-2011 |
20110307379 | MONEY PROCESSING SYSTEM AND MONEY PROCESSING METHOD - A money processing system includes a terminal device that stores therein as user information, a terminal user identifier for identifying a user and a code used for confirming the user for security reasons entered by the user, judges whether the received user information matches the stored user information when the user information that is entered at a money handling device is received through a port used for data communication with the money handling device, and establishes a connection with the money handling device from which the user information was received via the port if the pieces of the user information match, and the money handling device for entering the user information. | 12-15-2011 |
20110313923 | SELF-SERVICE MACHINE CONTACT ME NOW - Embodiments of the present invention relate to methods and apparatuses for responding to a problem associated with a self-service machine. For example, some embodiments provide a method that includes: (a) determining that a problem associated with a self-service machine occurred during a transaction involving the self-service machine and a user of the self-service machine; (b) prompting, via a user interface associated with the self-service machine, the user to submit a request, where the request is to receive, at a mobile device accessible to the user, a communication regarding the problem; (c) receive the request via the user interface; and/or (d) send the communication regarding the problem to the mobile device accessible to the user. | 12-22-2011 |
20110313924 | METHOD AND SERVICE COMPUTER AND SYSTEM FOR TRANSACTING A MONETARY AMOUNT - A method and a system with a service computer (SRV) for transacting a monetary amount (AOM) from an account of a first person (A) to an automated teller machine (ATM) for cash payment of the monetary amount (AOM) to the first person (A) or to a second person (B), wherein the transaction is carried out by way of a transaction service that is administered by the service computer (SRV), wherein the first person (A) is optionally assigned an access code (MCPIN) that is transmitted by the first person (A) to the service computer (SRV) for the use of the transaction service, and wherein a connection from the service computer (SRV) to the automated teller machine (ATM) is made for releasing the cash payment, and wherein at least one telecommunication number (APN, BPN) is also transmitted from the first person (A) to the service computer (SRV), said telecommunication number being used by the service computer (SRV) for sending a report (CNF, INF) through a telecommunication service (SMS) to at least one of the persons (A, B). This allows the account holder in particular and/or the recipient to be directly informed via short messaging (SMS), for example. The account holder (A) himself can arrange the transaction and release of the cash payment quickly, easily and safely by sending an (SMS) message to the service computer (SRV). The service computer (SRV) in turn can authenticate both the account holder (A) and the recipient (B) using the telecommunication numbers reported to the service computer. | 12-22-2011 |
20110320351 | METHOD AND SYSTEM FOR PERFORMING A CASH TRANSACTION WITH A SELF-SERVICE FINANCIAL TRANSACTION TERMINAL - A method and system for performing a cash transaction with a self-service financial transaction terminal makes use of computer hardware and software that allows a financial institution cardholder to authorize a recipient to withdraw a specified amount of cash at an ATM of the particular financial institution. The cardholder can set up the transaction, for example, from any telephone using an interactive voice response (IVR) system, or by utilizing the application at a financial institution ATM, or by using an Internet website application. The originator can set up the recipient's ATM transaction to be either cardless or card-initiated. | 12-29-2011 |
20120016798 | BIOMETRIC AUTHENTICATION SYSTEM AND BIOMETRIC SENSOR CONFIGURED FOR SINGLE USER AUTHENTICATION - A biometric authentication system comprises a biometric sensor configured for single user authentication. The biometric sensor can be configured for single user authentication through an enrollment procedure in which one or more sensing parameters are adjusted based on unique characteristics of the user. Thereafter, the user can be authenticated by capturing biometric data using the adjusted sensing parameters and comparing the captured biometric data against stored template data. | 01-19-2012 |
20120023017 | Intelligent ATM Check Image Deposit Engine - Systems and methods for recognizing a check deposit received in a self-service financial transaction device are described. A check is received from a customer associated with an entity for deposit into an account of the entity. Upon determining a that an amount of the check received for deposit cannot be determined from a scanned image of the check, deposit transaction data for the customer is collected and analyzed, including the frequency and timing of the customer's previous check deposits, the amount of the customer's previous check deposits, the payor of such deposits, etc., to predict the amount of the currently received check. | 01-26-2012 |
20120023018 | Automated banking machine - An automated banking machine ( | 01-26-2012 |
20120023019 | Automatic Settlement of User Account From a Remote Kiosk - A transaction kiosk collects cash from a user and then electronically negotiates with the user's creditor to settle a balance on an account with the creditor. The bank recognizes the cash deposited in the transaction kiosk by the user as security for the settlement amount. The cash deposited in the transaction kiosk is considered a cash asset owned by the bank and available to satisfy depositor claims. A transaction processor brokers the transaction between the user of the transaction kiosk, the surety bank, and the creditor. | 01-26-2012 |
20120023020 | SYSTEMS AND METHODS OF INTRODUCING AND RECEIVING INFORMATION ACROSS A COMPUTER NETWORK - One method involves the use of stored value account that may be used, for example, to make internet payments, and that can be credited using a variety of payment techniques. Such a method involves receiving money at a money transfer location from a potential purchaser. The money is then stored as an electronic record in a stored value account of the purchaser. This money is then available for transfer at the request of the purchaser. Upon such a request, the money may be electronically sent to a recipient and the stored value account may be debited. | 01-26-2012 |
20120023021 | SYSTEMS AND METHODS OF INTRODUCING AND RECEIVING INFORMATION ACROSS A COMPUTER NETWORK - One method involves the use of stored value account that may be used, for example, to make internet payments, and that can be credited using a variety of payment techniques. Such a method involves receiving money at a money transfer location from a potential purchaser. The money is then stored as an electronic record in a stored value account of the purchaser. This money is then available for transfer at the request of the purchaser. Upon such a request, the money may be electronically sent to a recipient and the stored value account may be debited. | 01-26-2012 |
20120030107 | Generation And Use Of Transaction Records With Imaging - Systems and methods for generating transaction records with imaging are described. Data representative of a transaction of a user may be received and a transaction record for the transaction may be generated. A user request to withdraw an amount of monetary funds from an account associated with the transaction may be received. At least one captured image of the user during the transaction may be associated with the transaction record. Monetary funds from the account in the amount requested by the user may be outputted, and the transaction record may be stored in a database. Upon determining the amount of monetary funds requested for withdrawal exceeds a first threshold, at least one image of the user may be captured, and a copy of the at least one captured image of the user or a link to the at least one captured image may be stored in the transaction record. | 02-02-2012 |
20120030108 | SYSTEM AND METHOD FOR THE REMOTE IDENTIFICATION AND VERIFICATION OF A CLIENT'S IDENTITY DURING THE PROVISION OF FINANCIAL SERVICES - The invention relates to financial services, in particular involving the use of automatic terminals and/or cash dispensers, in order to remotely identify and verify a person's identity during the provision of services to an individual. The system for the remote identification and verification of a client's identity during the provision of financial services comprises the following components linked by the Internet or by other communications channels: a processing center server and at least one remote client terminal with a service request interface, which terminal is provided with a multifunctional scanning device and devices for exchanging visual and audio information. At least one computerized operator workstation, which is also provided with devices for exchanging visual and audio information, is linked to the above-mentioned terminal via the processing center; furthermore, the operator working interface of the processing center server comprises the following, arranged in series: an identification module consisting of automatic and subjective units, a verification module also consisting of automatic and subjective units, a client database, in the cells of which information about personal identity identification and verification operations carried out on the operator working interface is recorded and stored and which, in response to an incoming request, generates reports about contacts that have taken place, and referral databases and/or prohibitive databases which are connected to an automatic identification module for recognizing/reading and checking the validity of the identity papers produced by the client. Furthermore, the client is identified without preliminary registration of the client and only according to an electronic copy, received from the request terminal, of at least one identity paper belonging to the client, using subjective identification, and the client's identity is verified during an audio-visual communication session between the selected operator and the client, who are remote from each other, in a real-time mode during the entire operation carried out via the processing center server. | 02-02-2012 |
20120041877 | SYSTEM FOR AGENT ASSISTED MOBILE FUNDS TRANSFER AND MOBILE BANKING - A system for managing funds transfer and banking that facilitates mobile funds transfers, mobile deposits, mobile withdrawl of funds by a user. These operations are conducted with the help of one or more agents, as necessary. The system for managing funds transfer and banking comprises a server to which a user can connect using a first mobile device or a computer/laptop. The server receives a funds transfer request from a first mobile device communicatively coupled to the server and it communicates a first one-time-use token to the first mobile device. The first mobile device is used by a sender of funds in a funds transfer operation. The sender approaches an agent who can facilitate funds transfer, for example by accepting cash/money from the sender and initiating funds transfer. | 02-16-2012 |
20120047070 | ATM/KIOSK Cash Acceptance - In one aspect, this invention relates to a new method for using a mobile telephone, in conjunction with a payment transaction server, as an authentication and cash payment device of a cash deposit made into an ATM/KIOSK for a variety of financial transactions where a cash payment is desired. Further, the transaction systems and methods for mobile telephone devices described herein allow a mobile telephone to participate in payment transactions in a manner that helps prevent identify theft and without relying on transferring amounts to/from one stored value account to another. It is emphasized that this abstract is provided to enable a searcher to quickly ascertain the subject matter of the technical disclosure and is submitted with the understanding that it will not be used to interpret or limit the scope or meaning of the claims. | 02-23-2012 |
20120130894 | System and method for ATM ODF notification (Automatic Teller Machine overdraft fee notification) - A method for providing an ATM customer with notification of an impending overdraft fee if transaction is completed to ensure that the customer is aware of overdraft fees prior to completion of a transaction, and has the opportunity to agree to fees, or to modify or cancel the requested transaction. | 05-24-2012 |
20120143755 | Collection and Distribution of Customer Service Metric Information - Aspects described herein provide techniques for monitoring, predicting, and providing customer service metrics and wait time information to customers prior to when a customer requests a customer service event that may require a waiting period of otherwise unknown duration. A customer may obtain information regarding a current and/or future predicted wait time for a desired branch of a financial institution. Current wait time information may be provided to help a user determine a branch that is available for immediate service with as short a wait as possible, or that is most time-efficient from the customer's perspective. Wait time information for nearby bank branches may be automatically provided, e.g., when an ATM is out of order. Future and/or predicted wait time information may be provided (e.g., via the Internet) so the customer can plan a convenient time in the future to visit a branch of the financial institution. | 06-07-2012 |
20120143756 | Personalized Bank Teller Machine - A system and method is provided for an ATM having a display, a logic server coupled to the display, and a memory coupled to the logic server. The logic server dynamically controls the functions available to the users including messages and coupons. A host contains a profile of a user. The memory, which is accessible to the logic server, may contain a profile of at least one user. A user card may contain a profile of the user. In operation, the ATM detects the a user's card and requests the profile of the user whose card was detected from a host. The ATM then receives the user's profile and stores the user's profile in the ATM. The system and method also provides a cardless ATM in which a user logs on without a card. Additionally, system and method also provides ATM services via a personal device. | 06-07-2012 |
20120173421 | ELECTRONIC SETTLEMENT METHOD, SYSTEM, SERVER AND PROGRAM THEREOF - A secure electronic settlement by an easy operation is enabled even with any terminal device and any network in any country. Balance information of a user, predetermined voice information that can identify a user, an arbitrary keyword, and a voiceprint are stored in advance in a database of a server in association with a telephone number of the user, and when a remitter user carries out remittance to a recipient user, the server sends out voice guidance including predetermined voice information registered in the database corresponding to the telephone number of a recipient terminal sent from the recipient terminal requesting the remittance or a telephone number of the recipient terminal inputted by the remitter carrying out the remittance to the recipient using a voice response function to a remitter terminal, thereby enabling intuitive confirmation of a recipient by a remitter. | 07-05-2012 |
20120185388 | PERSONAL TELLER SYSTEM FOR REMOTE INTERACTIVE AND PERSONALIZED BANKING - Systems and methods for providing personalized services to remote customers using personal teller machines (PTM) from a centralized call center. The customer initiates the transaction providing identification at a PTM. The identification of the customer is verified and audio and/or video communication is established between the customer at the PTM and a teller at a teller station in the call center. Upon establishment of video and audio connection, the customer may request the performance of specific financial transactions that are controlled by a teller through the teller station that is connected with the PTM over a network. Upon completion of the transactions of the customer by the teller, a receipt is printed for the customer and the video and audio connections are closed. | 07-19-2012 |
20120197796 | CASH DISPENSING AT ATM - Methods and apparatus according to the invention are directed towards providing apparatus for generating an emergency one time use (EOTU) personal identification number (PIN) for use at one or more automated teller machines. The apparatus may include a receiver configured to receive (1) information corresponding to an account holder at a financial institution and (2) information corresponding to a request from the account holder to electronically generate an EOTU PIN. The apparatus may also include a processor configured to (1) determine a maximum amount of funds to be accessed using the EOTU PIN and (2) electronically generate the EOTU PIN. The apparatus may additionally include a transmitter configured to electronically transmit to the account holder information relating to the EOTU PIN. | 08-02-2012 |
20120197797 | PENDING ATM TRANSACTIONS - In general terms, embodiments of the present invention relate to methods and apparatuses for initiating pending ATM transactions on a mobile device and for completing those pending ATM transactions at an ATM. For example, in some embodiments, a method is provided that includes: (a) initiating a pending ATM transaction on a mobile device, where the initiating the pending ATM transaction is based at least partially on a user of the mobile device inputting one or more inputs into the mobile device, and where the initiating the pending ATM transaction occurs before the user arrives at an ATM for completing the pending ATM transaction; (b) storing, on the mobile device, transaction information associated with the pending ATM transaction; (c) transferring the transaction information from the mobile device directly to the ATM, where the transferring the transaction information occurs after the user arrives at the ATM for completing the pending ATM transaction; (d) receiving, at the ATM, the transaction information associated with the pending ATM transaction; and (e) completing, at the ATM, the pending ATM transaction based at least partially on the transaction information. | 08-02-2012 |
20120197798 | PENDING ATM AUTHENTICATIONS - In general terms, embodiments of the present invention relate to methods and apparatuses for initiating pending ATM authentications on a mobile device and for completing those pending ATM authentications at an ATM. For example, in some embodiments, a method is provided that includes: (a) initiating a pending ATM authentication on a mobile device, where the initiating the pending ATM authentication is based at least partially on a user of the mobile device inputting one or more inputs into the mobile device, and where the initiating the pending ATM authentication occurs before the user arrives at an ATM for completing the pending ATM authentication; (b) storing, on the mobile device, authentication information associated with the pending ATM authentication; (c) transferring the authentication information from the mobile device directly to the ATM, where the transferring the authentication information occurs after the user arrives at the ATM for completing the pending ATM authentication; (d) receiving, at the ATM, the authentication information associated with the pending ATM authentication; and (e) completing, at the ATM, the pending ATM authentication based at least partially on the authentication information. | 08-02-2012 |
20120226610 | CONTACTLESS AUTOMATED TELLER MACHINE - In general, apparatuses, methods and computer program products for receiving a contactless transmission from an external apparatus to an automated teller machine (ATM) are disclosed. An ATM machine is provided that has been equipped with a contactless interface for interacting with an external apparatus such as a debit/credit card, mobile device, and/or contactless transmission equipped stickers. | 09-06-2012 |
20120239570 | Systems and methods for performing ATM transactions using active authentication - A financial transaction method includes receiving a request to perform a financial transaction from a user having an account with a financial institution that receives the request, generating an active authentication transaction key in response to the request, and transmitting the active authentication transaction key to a mobile financial transaction instrument of the user. A request to authenticate a transaction, including at least a portion of the active authentication transaction key, is received from an automated teller machine. An authorization response is transmitted to the automated teller machine if is determined that the transaction is authorized, the account of the user is settled to complete the financial transaction. | 09-20-2012 |
20120259778 | VIRTUAL ATM - Embodiments of the present invention relate to systems, methods and computer program products for processing transaction information associated with a mobile banking transaction. In some embodiments, a method includes: (a) receiving transaction information associated with a mobile banking transaction, where the mobile banking transaction is performed using a mobile device; (b) determining, based at least partially on the transaction information, that the mobile device is positioned at a particular location during the transaction; (c) determining, using a processor, that the particular location is associated with a virtual ATM; (d) designating the transaction for processing in accordance with one or more rules associated with the virtual ATM; and/or (e) processing the transaction based at least partially on the transaction information and in accordance with one or more rules associated with the virtual ATM. In some of these embodiments, the mobile banking transaction is a mobile deposit transaction. | 10-11-2012 |
20120265679 | AUTOMATED TELLER MACHINE (ATM) TO MOBILE COMMUNICATION DEVICE SESSION INTEGRATION - Embodiments of the invention provide for seamless transferring of a user interaction session initiated at an ATM to a customer's mobile communication device. By transferring the user interaction session to the customer's mobile communication device, the customer limits their time interacting with the ATM and, thus, frees up the ATM for any other waiting customers. Additionally, the embodiments provide for a highly secure means of transferring the user interaction session from the ATM to the customer's mobile communication device. For example, Near Field Communication (NFC) or the like may be implemented as the communication mechanism, such that the customer is not required to re-authenticate when the interaction session is presented on the mobile communication device. | 10-18-2012 |
20120278234 | FAST CASH AT ATM - Apparatus and methods for an enhanced cash withdrawal transaction option are provided. The enhanced cash withdrawal transaction option may include using an ATM to display an initial ATM display. The initial ATM display may display multiple transaction options, the multiple transaction options including at least one cash withdrawal amount. Apparatus and methods for an additional enhanced cash withdrawal transaction are provided. The additional enhanced cash withdrawal transaction may enable a user to type an ATM PIN in an ATM keypad followed by a cash withdrawal amount. Apparatus and methods for an enhanced ATM customer display are also provided. The enhanced ATM customer display according to the systems and methods of the invention may customize an ordered ATM customer flow based on historical customer usage data. | 11-01-2012 |
20120284184 | METHOD OF OPERATING A SELF-SERVICE TERMINAL TO PROVIDE ON-DEMAND POSTAGE STAMP LABELS TO A POSTAGE STAMP BUYER AND A SELF-SERVICE TERMINAL THEREFOR - A publicly-accessible self-service terminal is provided for enabling a self-service terminal user to purchase on-demand postage stamp labels in advance. The publicly-accessible self-service terminal comprises a user interface arranged to receive a request from a postage stamp buyer to purchase on-demand postage stamp labels in advance, and a payment acceptor arranged to receive payment from the postage stamp buyer for purchase of on-demand postage stamp labels in advance. The terminal also comprises a roll paper printer including (i) a print head, (ii) a roll of pre-printed self-adhesive media, (iii) a first transport mechanism arranged to feed a panel portion of the roll of pre-printed self-adhesive media from the roll to the print head, (iv) a second transport mechanism arranged to dispense a panel portion of the roll of pre-printed self-adhesive media from the print head to the postage stamp buyer. The terminal further comprises a controller arranged to (i) control the first transport mechanism to feed a panel portion of the roll of pre-printed self-adhesive media from the roll to the print head when a request is received from the postage stamp buyer to purchase on-demand postage stamp labels in advance and payment is received from the postage stamp buyer for the purchase of on-demand postage stamp labels in advance, (ii) control the print head to print information onto the panel portion so as to provide at least one on-demand postage stamp label in advance, and (iii) control the second transport mechanism to dispense the at least one on-demand postage stamp label from the print head to the postage stamp buyer. | 11-08-2012 |
20120290477 | Methods and System for Utilizing Cash with Online Activities - Systems and methods for facilitating cash payments for online transactions are provided. In some embodiments, a transaction is initiated online with a retailer where a user indicates that payment will be made for the transaction using cash. The user may then complete payment of the transaction with a cash payment service establishment using transaction identification information given to the user. Systems and methods for retrieving funds from an online/virtual account are also provided. In some embodiments, a user is able to initiate a funds transfer from an online/virtual account which are to be received in the form of cash at a money transfer service location. | 11-15-2012 |
20120296820 | CAPACITY PLANNING FOR USER WAIT TIME - Systems and methods are disclosed for determining when installation of additional self-service financial transaction devices (SSFTDs) may be desired at a site to improve end-to-end user experience. The system may collect and store transaction-level data, session-level data, user wait time data, and/or other data, and use an enhanced SSFTD user wait time model to identify recommendations and other statistical outputs. The SSFTD may include hardware and software to assist in measuring and collecting various useful readings. | 11-22-2012 |
20120296821 | SYSTEMS AND METHODS FOR MAKING PAYMENTS FROM SELECTED FUNDING SOURCES - In an embodiment, a payment service provider includes a database storing a plurality of buyer-identity/buyer's-payment-source-account associations, each having a unique identifier assigned thereto, and a payment service provider transaction device configured to: 1) communicate with at least one of a transaction device of the buyer and/or a transaction device of a seller; 2) receive an authorization from the buyer to make a payment from a selected one of the buyer's payment source accounts to a designated one of the seller's payment depository accounts, the authorization including a specified payment amount and the unique identifier associated with the selected buyer's payment source account from which the buyer desires the payment to be made; and 3) effect a transfer of the specified payment amount from the selected buyer's payment source account to the designated seller's account. | 11-22-2012 |
20120323782 | System and Method for Remote Deposit System - Described is a method and system for a remote deposit system. The method comprises receiving facsimile data corresponding to facsimile of a plurality of checks, constructing digitized images of the checks as a function of the facsimile data, gathering check data from each of the digitized images, and processing the check data according to a check processing procedure to settle transactions referenced by each of the checks. | 12-20-2012 |
20130013503 | SYSTEMS AND METHODS FOR FACILITATING TRANSACTIONS - Systems and methods for facilitating transactions are disclosed. A system includes a hardware component, a software component adapted to run on at least in part on the hardware component, and an information component adapted to be accessed by the software component. The hardware component includes a biometric fingerprint reader, a user-operable button, indicator LEDs, a connector or a wireless communication device, and a Secure Access Module. A method for performing a face-to-face payment operation from a customer to a retailer includes presenting the system to the retailer, initiating reading of information from a retailer system, activating the system by entering fingerprint information using a fingerprint reader, transferring information to the retailer system, validating the transfer of information to the retailer system, and completing the face-to-face payment operation. | 01-10-2013 |
20130013504 | AUTOMATED TRANSACTION MACHINE - An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc. | 01-10-2013 |
20130018787 | ATM PROVIDED PAYMENT PROCESS - System, method, and computer program product are provided for a user to send and receive P | 01-17-2013 |
20130018788 | VIDEO-ASSISTED SELF-SERVICE TRANSACTION DEVICE - While performing or initiating a transaction with a self-service video transaction device, a user may interact with a video agent and a terminal associated therewith. An error may occur during the transaction. In response to detecting the error, video agent(s) having video or audio functionalities to service the error may be identified. Servicing the error may also be based on a length of a wait time to connect to an appropriate video agent. If the wait time exceeds a predetermined threshold, an error receipt identifying the error and other information may be printed by the self-service video transaction device. If the wait time does not exceed the predetermined threshold, a display device of the self-service video transaction device may display an option for the user to connect to the video agent terminal. | 01-17-2013 |
20130030998 | SELF-SERVICE TERMINAL - A self-service terminal comprising: a terminal body defining a transaction fulfillment area, and a terminal head. The terminal head extends from the terminal body and defines a transaction request area transverse to the transaction fulfillment area. The transaction request area and transaction fulfillment area create a customer zone. | 01-31-2013 |
20130030999 | METHOD AND APPARATUS FOR SELECTING DENOMINATIONS IN AN AUTOMATED TELLER MACHINE - A method of selecting denominations in an automated teller machine (ATM) may be provided. The method may include receiving a request for withdrawal from a user, displaying, on a touch screen, symbols corresponding to a plurality of denominations including a first denomination and a second denomination that constitute a withdrawal amount of the user, and a number of banknotes of each of the plurality of denominations, in response to the reception of the request, sensing a touch-based movement gesture from the first denomination to the second denomination, updating a number of banknotes of the first denomination and a number of banknotes of the second denomination, in response to the sensing of the touch-based movement gesture, and displaying, on the touch screen, the updated number of banknotes of the first denomination and the updated number of banknotes of the second denomination along with the symbols corresponding to the plurality of denominations. | 01-31-2013 |
20130041820 | MULTI-DEPOSITORY FINANCIAL TRANSACTIONS - A system facilitates processing of funds between a transferor and a transferee, where at least the transferor has a transferor deposit sub-account administered via a depository administrator. The transferor can request a transfer or hold of funds in the transferor account to or for the benefit of the transferee. If the transferee does not have an account, the transferee is provided an opportunity to establish one. Subsequently, the depository administrator processes the funds between the transferor and transferee accounts. With the addition of automated teller machine access to respective customer deposit sub-accounts, users can more easily deposit or withdraw funds from their own account or effect a transfer of funds to another account via Internet access. The transfer of funds can also be linked to the occurrence of a particular event or the like. Transferees may be notified of the transfer or hold of funds for their benefit. | 02-14-2013 |
20130060690 | ELECTRONIC PAYMENT SYSTEMS AND SUPPORTING METHODS AND DEVICES - Electronic payment systems and supporting methods and devices are described. For instance, the disclosed subject matter describes aggregated transactional account functionality configured to receive electronic financial transactions associated with one or more of a set of electronic identifying information such as phone ID, email, instant message, etc. for a user and related functionality. The disclosed details enable various refinements and modifications according to system design and tradeoff considerations. | 03-07-2013 |
20130097077 | AUTOMATED TELLER MACHINE WITH VIRTUAL BANK SHARING - An automated teller machine (ATM) which includes a plurality of peripherals including a user interface for interacting with a user providing user information; a plurality of virtual automated teller machines (VATMs) resident in the ATM, the VATMs networked to a plurality of financial institutions, each VATM capable of using its own ATM software application and capable of providing its own menu of banking options to the user ; and an interface to communicate between the VATMs and the plurality of peripherals, receive the user information from the user interface, identify the user's financial institution, link the user with the user's financial institution through a selected VATM corresponding to the user's financial institution and provide the menu of banking options to the user as if the user were using an ATM dedicated to the user's financial institution. | 04-18-2013 |
20130103582 | Wireless electronic check deposit scanning and cashing machine with web-based online account cash management computer application system - Wireless Electronic Check Deposit Scanning and Cashing Machine (also known and referred to as WEDS) Web-based Online account cash Management computer application System (also known and referred to as OMS virtual/live teller)—collectively invented integrated as “WEDS.OMS” System. Method and Apparatus for Depositing and Cashing Ordinary paper and/or substitute checks and money orders online Wirelessly from home/office computer, laptop, Internet enabled mobile phone, pda (personal digital assistant) and/or any Internet enabled device. WEDS enables verification and transmittal of image, OMS is the navigation tool used to set commands and process requests, integrated with WEDS, working collectively as WEDS.OMS System. | 04-25-2013 |
20130110717 | TECHNIQUES FOR VISUALLY CONDUCTING TRANSACTIONS | 05-02-2013 |
20130110718 | VIRTUAL MONEY SYSTEM | 05-02-2013 |
20130124409 | RELOADABLE PREPAID PLATFORM - A reloadable prepaid platform configured to permit reloading of a general purpose prepaid card at an automated teller machine (ATM) is disclosed. Particularly, the prepaid platform interacts with an ATM of the financial institution associated with the prepaid card in order to receive funds from the user at the ATM and reload the prepaid card. The reload may generally be a cash reload; however, check reloads as well as transfer reloads from other accounts are contemplated herein. | 05-16-2013 |
20130124410 | SYSTEM AND METHOD FOR CONDUCTING A TRANSACTION AT A FINANCIAL TRANSACTION TERMINAL USING A MOBILE DEVICE - The systems and methods described herein allow greater access to a banking platform via a mobile device. The customer can initiate a financial transaction using a mobile device, a bank can inform the customer of the nearest financial transaction terminal to perform that service, and the customer can complete that financial transaction at the financial transaction terminal using the mobile device as a user interface. While conventional systems may use a mobile device to transmit payment information at a point of sale terminal of a brick-and-mortar merchant, the embodiments described herein can allow a customer to conduct a transaction at a financial transaction terminal using the mobile device to initiate a transaction at a location away from a financial transaction terminal, to locate the nearest financial transaction terminal providing the required services, and as a user interface while communicating with the financial transaction terminal. | 05-16-2013 |
20130124411 | TECHNIQUES FOR AUTOMATED TELLER MACHINE (ATM) TRANSACTIONS - Techniques for automated transactions are provided. A customer pre-stages a financial transaction with a financial service. Subsequently, the customer visits an ATM and automatically acquires a code from the ATM that is then sent to a mobile transaction service for verification and to identify the staged financial transaction. The ATM interacts with the customer via the mobile device and interacts with the financial service to complete the transaction for the customer at the ATM. | 05-16-2013 |
20130151407 | REMOTE CURRENCY DISPENSATION SYSTEMS AND METHODS - A currency dispense and control system (CDCS) for securely dispensing paper currency in multiple modes: (1) an ATM system and (2) a currency control system that allows a merchant or merchant-approved employee to withdraw cash from the CDCS independent of a standard ATM electronic fund transfer (EFT) network. The CDCS may be on-site and implemented using standard ATM hardware or may be located remotely. The CDCS may also include one or more of the following functionalities: a duress dispensation system that allows the CDCS to activate an alarm and/or otherwise communicate with local police or security services during a robbery, a time-release system that effects a time-delayed dispensation functionality, and a user identification and authentication system for authenticating a user identity and determining eligibility of the user to access the currency control system. | 06-13-2013 |
20130151408 | PAYMENT CARD BASED REMITTANCE SYSTEM WITH DELIVERY OF ANTI-MONEY LAUNDERING INFORMATION TO ORIGINATING FINANCIAL INSTITUTION - A payment system computer receives a request for a funds transfer from a sender to a recipient. The payment system computer routes a request to authorize funding of the funds transfer to a first financial institution. The payment system computer receives an authorization response that includes sender information that satisfies know your customer (KYC)/anti-money laundering (AML) requirements. A mobile telephone number of the recipient is translated into a recipient account number, wherein the recipient account number corresponds to a recipient account at a second financial institution different from the first financial institution. The payment system computer then transmits the sender information and the funds to the second financial institution to satisfy KYC/AML requirements and for crediting to the recipient account. | 06-13-2013 |
20130159183 | METHOD OF OPERATING AN IMAGE-BASED SELF-SERVICE CHECK DEPOSITING TERMINAL TO DETECT A DUPLICATE CHECK DEPOSIT - A method is provided of operating an image-based self-service check depositing terminal when a customer at the terminal is conducting a check deposit transaction. A check to be deposited is received from the customer. An image capture device electronically captures check image data which is representative of an image of the check. The check image data is electronically transmitted via a first communications network to a web service provider to allow the web service provider to determine if the check being deposited is a duplicate check. A verification message is received from the web-based service provider indicating that the check being deposited is either a duplicate check or not a duplicate check. The check image data is transmitted via a second communications network to a consolidation server when the verification message indicates that the check being deposited is not a duplicate check. | 06-20-2013 |
20130179343 | Method and Apparatus for Routing Data to and from an Automatic Teller Machine - A router in data communication with an Automated Teller Machine (ATM) is responsive to the state of the ATM. The router may connect the ATM system to a primary host or one or more alternative host systems. If a connection to the primary host cannot be made or an established connection to the primary host is lost, the router automatically establishes a connection to an alternative host. In one particular preferred embodiment, the router waits to switch the connection from an alternative host back to the primary host until the ATM has completed any pending transactions. | 07-11-2013 |
20130198072 | PORTABLE SYSTEM PERFORMING BUSINESS CENTER OPERATIONS - The present disclosure discloses a portable business operations system having a multi-function device, a network interface and a user interface. Broadly, the multi-function device parses the content of one or more filled in application forms and verifies the completeness or accuracy of the forms. The network interface provides connectivity and communication between the portable system and one or more remotely located systems. Moreover, the user interface sends or receives electronic documents to and from one or more remotely located systems. | 08-01-2013 |
20130198073 | SYSTEM AND METHOD FOR EXECUTING CASH PAYMENTS VIA A COMPUTER NETWORK - The invention presented comprises a system and method for executing a cash payment via a computer network. A payor computing device communicates over a computer network with payee computing devices via a P2P server. The P2P server is operative to receive a payment request from the payor computing device and process the payment by debiting a financial instrument specified by a payor utilizing the payor computing device. The payment request is transmitted from the P2P server to a cash payment server operative to receive the payment request and translate the request into the native format of an ATM control server, the native format of the P2P server and ATM control server not being interoperable. The ATM control server is operative to generate a PIN code, which is transmitted along with the received payment instructions to an ATM. | 08-01-2013 |
20130218767 | Web Enabled Bank Teller Machine - A system and method is provided for an ATM having a display, a logic server coupled to the display, and a memory coupled to the logic server. The logic server dynamically controls the content of screens to be displayed on the display. The memory, which is accessible to the logic server, contains a profile of at least one user. | 08-22-2013 |
20130226794 | SYSTEM AND METHOD FOR FACILITATING CASH-BASED ECOMMERCE TRANSACTIONS - Systems and methods are provided for facilitating alternative payment submissions. According to a one aspect, responsive to a selection by a purchaser that enables receipt of an alternative payment submission in furtherance of a transaction between the purchaser and a vendor, a transaction notification is received, the transaction notification including a payment amount and corresponding to the transaction, a unique identifier is generated, the unique identifier corresponding to the transaction notification, and the unique identifier is provided to a paying party in order to facilitate receipt of the alternative payment submission in furtherance of the transaction. An input of the unique identifier is received at an automated teller machine (ATM), the alternative payment submission is elicited at the ATM, and the vendor is notified of receipt of the alternative payment submission. | 08-29-2013 |
20130232064 | CASH HANDLING DEVICES - A currency receiving device (CRD) includes a currency recycler configured to accept, count, deposit, and withdraw merchant currency inserted into the CRD, a network interface, and a processor in communication with the currency recycler and the network interface. The processor is configured to transmit to a financial institution or a home office, via the network interface, an indication of an amount of merchant currency inserted into the CRD over a predetermined period of time. In some embodiments, the processor determines whether a second predetermined period of time passes during which no merchant currency is inserted into the CRD. In some embodiments, the processor determines an amount of deposited merchant currency does not meet a predetermined minimum deposit corresponding to the predetermined period of time. Alert messages, based on insufficient or untimely deposits, duress, or tampering, are optionally produced. | 09-05-2013 |
20130232065 | CHECK CASHING BANKING SYSTEM THAT OPERATES RESPONSIVE TO DATA READ FROM DATA BEARING RECORDS - A card actuated automated banking machine ( | 09-05-2013 |
20130238498 | FINANCIAL SERVICES CENTER - A financial services center for use with a remote teller station. The financial services center comprises: a video interface for connecting to the remote teller station; and an ATM operable to dispense funds in response to commands received from (i) the remote teller station, and (ii) a transaction host. The ATM is operable to transmit a transaction update to the transaction host, where the transaction update provides information about funds dispensed in response to authorization from the remote teller station. This ensures that the transaction host receives information about funds dispensed in response to authorization received from each of the transaction host and the remote teller station. | 09-12-2013 |
20130246264 | IMAGE AUTHENTICATION AND SECURITY SYSTEM AND METHOD - Embodiments of the invention are related to a computer-implemented authentication method and system for authenticating a customer using an electronic device for engaging in a transaction involving a financial institution over a network. Embodiments of the method include capturing an image of the customer engaging in the transaction using an image capturing device integrated with the electronic device and retrieving a stored image of the customer from an authentication database. Embodiments of the invention additionally include comparing, using a comparison algorithm executed by computer processing components, the stored image with the captured image to authenticate the customer and upon authentication, monitoring the captured image during the transaction for an interruption using the computer processing components. The method further includes terminating the transaction if an interruption is detected. | 09-19-2013 |
20130246265 | SYSTEM AND METHOD FOR CONDUCTING FINANCIAL TRANSACTIONS USING A MOBILE DEVICE - A Subscriber Identity Module (SIM) Chip Bank system and method for enabling users registered in the system to control their financial and telecommunications resources from their mobile device over a mobile communications network. The system combines mobile network providers and financial services through the use of SIM chips without the need for modifying the users' mobile devices or SIM chip installed thereon. A SIM Chip Bank System Operator (SCB-O) regulates data flow between users, banks, mobile communications service providers, SIM Chip Automated teller Machines and SIM Chip Service Providing Machines through a plurality of communications channels. Upon a user connecting to the SCB-O to request a transaction, the SCB-O connects to the appropriate bank to authorize the requested transaction. Upon successful completion, reports are sent back and forth to users confirming the event. | 09-19-2013 |
20130262303 | SECURE TRANSACTIONS WITH A MOBILE DEVICE - A method for making financial transactions at an ATM are described. The method includes receiving indentifying information regarding a user, generating a security code, transmitting the code to a user's mobile device, receiving a code entered into the ATM by the user, comparing the code received to the code transmitted, and granting access to an account associated with the user if the codes match. | 10-03-2013 |
20130262304 | OPTION SELECTION - A self-service terminal (SST) and a method of operating an SST are disclosed. The method comprises the steps of selecting a default characteristic for a service offered at the SST responsive to a normal press of a user button element associated with the service, indicating a plurality of selectable characteristics responsive to a long press of the user button element and selecting a chosen characteristic for the service responsive to a press of a user button element associated with one of said selectable characteristics. | 10-03-2013 |
20130282576 | Banking Security Feature - A bank terminal may include a security feature adapted to access a set of primary accounts if a first set of authentication data is received and a set of alternative accounts if a second set of authentication data is received, and an alert feature adapted to generate alert signals to an external entity. A method of performing secure banking procedures may determine whether an input signal matches a set of authentication and/or security criteria, and provide access to a set of primary accounts, or provide access to a set of alternative accounts, as appropriate. A system adapted to perform secure banking procedures may include an input/output module adapted to receive data from a user and provide data to the user, an authentication module adapted to determine whether authentication data matches security criteria associated with the user, and a control module adapted to control functionality of a banking terminal. | 10-24-2013 |
20130290183 | AUTOMATED BANKING SYSTEM FOR DISPENSING MONEY ORDERS, WIRE TRANSFER AND BILL PAYMENT - A method and apparatus are provided for conducting transactions through a financial network using a ticket at an unattended automated machine. For security purposes a signature detector can be utilized to detect the signature and the user uses a ticket or a card to operate the machine. A card writer can write an amount on the ticket or the card related to the amount of the transaction being done and a calculator can calculate the amount to be written on the ticket or the card and can subtract a user's service charge. A cash acceptor in the machine can accept cash and a cash dispenser can dispense cash. | 10-31-2013 |
20130311365 | BANKING SYSTEM CONTROLLED RESPONSIVE TO DATA BEARING RECORDS AND USER INPUT OF A PHONE RECIEVED SECURITY CODE - A banking system operates to cause financial transfers responsive to card data read from data bearing records by a card reader. The system includes at least one automated banking machine comprising a cash dispenser. The system is operative during a cash dispense transaction request to receive through an automated banking machine, machine user input of data corresponding to a mobile phone number. The system is operative to generate a security code for the requested cash dispense transaction. The system uses the phone number to send the generated security code to the mobile phone. The cash dispense transaction is allowed to proceed only if the system receives machine user input of the sent security code. | 11-21-2013 |
20130311366 | Medium Sensing Apparatus, Medium Handling Apparatus and Financial Device - Provided is a medium sensing apparatus. The medium sensing apparatus comprises a first frame having a hole in a side surface thereof, a second frame coupled to the first frame, a first sensor mounted on the first frame, a bracket connected to the first sensor, the bracket contacting the second frame, and a shaft disposed on the first sensor or the bracket to pass through the hole, the shaft being movable within the hole. | 11-21-2013 |
20130311367 | BIOMETRIC IDENTIFICATION AND AUTHENTICATION SYSTEM - Disclosed are methods, apparatus, and systems of biometric identification and authentication. In one embodiment, a method to authenticate a user at an automated teller machine is disclosed. In this embodiment, the method comprises: retrieving, by a processor of the automated teller machine, a numeric identification data inputted by the user; comparing, by the processor or by a processor of a remote sever, the numeric identification data against a stored set of numeric identification data in a user database stored in a memory communicatively coupled to the automated teller machine; and narrowing, by the processor or by the processor of the remote server, a user population to a first narrowed set of the user population based on the comparison of the numeric identification data against the stored set of numeric identification data. Multiple biometric identification techniques may then be used to authenticate the user at the automated teller machine. | 11-21-2013 |
20130317986 | DIGITAL SAFE DEPOSIT BOXES - Systems, methods, and computer program products are provided for a digital safe deposit box. The digital safe deposit box provides for a user to configure safe deposit box categories for receiving uploads and storing safe deposit box items, such as essential documents, image files, video files or the like. The digital safe deposit box, may be accessible by third parties by providing third parties a secondary login and, more specifically only designated items or categories within the safe deposit box may be accessible or visible to the third party based on user pre-configuration of visibility settings. | 11-28-2013 |
20130325716 | TRIGGER FEATURE FOR INCREASING TRANSACTION DEPTH AND ACCOUNT BREADTH - Systems and methods for increasing transaction depth and account breadth are provided herein. In the systems and methods, account data associated with one or more account are received and the account data is stored in a storage device; a first trigger group comprising a number of transactions occurring during a first period of time and a second trigger group comprising a number of transactions occurring during a second period of time based on the account data are identified based on the account data; the first trigger group and the second trigger group are compared; and an increase in account activity for each of the one or more accounts is determined in response to the comparison of the first trigger group and second trigger group. | 12-05-2013 |
20130325717 | AUTOMATED TELLER MACHINE WITH VIRTUAL BANK SHARING - An automated teller machine (ATM) which includes a plurality of peripherals including a user interface for interacting with a user providing user information; a plurality of virtual automated teller machines (VATMs) resident in the ATM, the VATMs networked to a plurality of financial institutions, each VATM capable of using its own ATM software application and capable of providing its own menu of banking options to the user; and an interface to communicate between the VATMs and the plurality of peripherals, receive the user information from the user interface, identify the user's financial institution, link the user with the user's financial institution through a selected VATM corresponding to the user's financial institution and provide the menu of banking options to the user as if the user were using an ATM dedicated to the user's financial institution. | 12-05-2013 |
20130339235 | INTERNET FUNDS TRANSFER SYSTEM USING ATM PICKUP - One method for transferring funds includes receiving at a web server computer a request to transfer funds from a sender to a receiver. The request includes information identifying the sender and a payment vehicle for providing funds to transfer. The payment vehicle is validated and a transaction identifier is generated or assigned. The transaction identifier may be transmitted from the web server computer to the sender. When ready to receive the funds, the transaction identifier is entered into an ATM. If the transaction identifier is validated, the funds are dispensed from the ATM. | 12-19-2013 |
20130339236 | PROVIDING SERVICE TO A CUSTOMER SERVICE CENTER - A system includes automated banking machines that operate responsive to data read from data bearing records. Transactions can be carried out through communication with local and remote service providers. An automated banking machine is operable to conduct transactions for machine users responsive to data read from user cards and communication with a transaction host. The machine is operable to provide output signals which drive external displays. The machine is operable to receive visual and/or audio content from remote content sources, store data corresponding to the content, and then output the content through the external displays. | 12-19-2013 |
20130346309 | SYSTEM AND METHOD FOR PROVIDING AND TRANSFERRING FUNGIBLE ELECTRONIC MONEY - A system and method for transferring fungible electronic money is disclosed. The system and method include two or more Central Banks that guarantee the electronic money within an electronic communications network, the electronic money being an authenticated and fungible currency capable of electronic transfer. The system and method further include registering a first user within the electronic services network, registering a second user within the electronic services network, receiving a request from the first user to transfer at least a portion of the electronic money to the second user, and electronically transferring the at least a portion of the electronic money to a mobile device belonging to the second user in response to the request received from the first user, wherein the electronic transfer occurs within the electronic communications network. | 12-26-2013 |
20140012753 | Incident Management for Automated Teller Machines - A computer system monitors a financial transaction system that contains a plurality of remote transaction machines, e.g., automated teller machines (ATMs). The computer system detects and analyzes whether any of the automated teller machines has an outage, whereby customers may be experiencing failed financial transactions. When an outage occurs, a severity level is selected by processing outage data. For example, the computer system determines a measure of the number of failed transactions and then selects a severity level of the outage from which the appropriate recovery procedure can then be initiated. When the transaction system comprises a plurality of networks, the severity level of an outage may be determined by aggregating or separately processing outage data for the networks. Outage ATMs may be prioritized from the number of corresponding failed transactions, so that the prioritization can be included in an indicator that initiates resolution of the outage. | 01-09-2014 |
20140019357 | USER ALERTS FOR MONITORED TRANSACTIONS AT AUTOMATIC TELLER MACHINES - An improved method, apparatus, and computer implemented instructions for processing a check in an automatic teller machine in a data processing system. A check is received from a user at the automatic teller machine. The check is scanned to generate an image. A transaction is performed involving the check. The image is transmitted to a mobile device associated with the user, wherein the image is in a format for use with a financial program. | 01-16-2014 |
20140046841 | DISTRIBUTED PROCESSING OF A CHECK IMAGE - Apparatus and methods for distributed processing of a check image are provided. A payee may submit a request to deposit a negotiable instrument. The request may be received at a first financial institution. The negotiable instrument may be a check. A transaction record may be generated at the time of the request. The transaction record may be based on information handwritten or printed on the negotiable instrument. The transaction record may be transmitted to a second financial institution. The second financial institution may conduct a fraud analysis based on the transaction record. The second financial institution may transmit a fraud indicator to the first financial institution. Based on the fraud indicator, the first institution may accept or deny the request of the payee. Apparatus and methods may distribute computing resources associated with detection of fraudulent negotiable instrument. The resources may be distributed among the first and second financial institutions. | 02-13-2014 |
20140046842 | ACCEPTING A CHECK DEPOSIT FROM A MOBILE DEVICE IN COMMUNICATION WITH AN AUTOMATED TELLER MACHINE - An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data corresponding to financial accounts from user cards. The card data is linked in at least one data store to data indicating that the card data corresponds to a financial account that is authorized to be used to conduct at least one transaction through use of the automated banking machine. The automated banking machine may be used to carry out financial transfers involving financial accounts by users who are determined to be authorized users of such accounts. Data corresponding to a financial account can also be linked to a mobile wireless device so as to enable financial transfers by authorized users of such accounts. | 02-13-2014 |
20140052632 | FINANCIAL CARD FOR ONLINE FUND TRANSFER AND METHOD THEREFOR - A financial card comprising at least a user identification means including but not limited to a fingerprint recognition scanner and at least a data transfer protocol, and optionally an iris pattern scanner. Also disclosed is a method for transferring funds from a first financial card to a second financial card comprising (a) activating at least one of said first and second financial cards by a user identification means including but not limited to a provided finger print recognition scanner, and upon successful verification of the user's identity; (b) engaging the data transfer protocol. | 02-20-2014 |
20140058943 | TRANSACTION FLOW - A method of encoding a transaction flow is described. The method comprises: receiving information from a user about a transaction type to be executed; creating a transaction flow comprising a sequence of states, where at least some states include text to be displayed and inputs to be enabled for that state; and encoding the transaction flow into a machine-readable code. | 02-27-2014 |
20140058944 | KIT, SYSTEM AND ASSOCIATED METHOD AND SERVICE FOR PROVIDING A PLATFORM TO PREVENT FRAUDULANT FINANCIAL TRANSACTIONS - A system and associated method and service for providing a platform that prevents fraudulent transactions by allowing for the deposit, withdrawal, transfer, and exchange of denomination, including cash, international currencies, digital currency, hard and soft commodities, and coupons to and from members and non-members, in a mobile telecommunications environment, without tendering a financial instrument, such as a credit card or a check. | 02-27-2014 |
20140067668 | Remote Safe Locking and Control - A system, method, and/or software for receiving by at least one computing device, over a network, an indication of an event at a first monetary deposit device; and determining by the at least one computing device, responsive to the event, whether to send a locking state command to a second monetary deposit device, and if so, sending the locking state command over the network to the second monetary deposit device. | 03-06-2014 |
20140074708 | Forecasting of Deposits for a Money Handling Machine - A computer system obtains deposit information from a money handling device and projects a number of deposited checks at the money handling device at a subsequent time. The transaction computer determines whether the projected number of deposited checks exceeds a check threshold and generates an indicator whether deposits should be removed from the money handling device based on the determination. The number of deposited checks may be tracked at the money handling device and, if the tracked deposits are trending differently from the projected number of deposited checks, the generated indicator may be adjusted. The projected number of deposited checks at a money handling device may be compensated based on an event such as a special event or holiday. Also, the projected number of deposited checks at the money handling device may be modified when a natural disaster such as a hurricane occurs. | 03-13-2014 |
20140081858 | BANKING SYSTEM CONTROLLED RESPONSIVE TO DATA READ FROM DATA BEARING RECORDS - A banking system includes a teller station and customer stations located in a bank. The teller station can communicate with each customer station. At least one customer station includes a self-service cash-dispensing automated banking machine which can carry out a financial transaction for an authorized machine user responsive to user data read from a data bearing record. The user data comprises card data and/or biometric data which correspond to a financial account. The banking system causes funds to be transferred between accounts involved in the transaction. The system allows a bank teller at the teller station to assist a bank customer at a customer station. Information can be communicated between the teller and the customer through touch input to a teller touch screen and a customer touch screen. | 03-20-2014 |
20140089187 | BANKING SYSTEM OPERATED RESPONSIVE TO DATA BEARING RECORDS - A system includes a plurality of machines that operate responsive to data bearing records such as user cards ( | 03-27-2014 |
20140089188 | SYSTEM FOR FUNDS TRANSFER USING SOURCE ATM AND DELIVERING ATM - A system for conducting funds transfer using a source ATM and a delivering ATM. In one embodiment, a sender can use the source ATM to initiate a funds transfer, deliver cash into it, or a check, or select a bank account with sufficient funds available, to be the source of funds. The sender can even use his ATM card to login to the source ATM and provide a passcode or PINcode (such as a 4 digit PINcode) if challenged to be able to use the source ATM. Similarly, the recipient uses the delivering ATM to receive funds, providing a transaction id and security information (such as a security token, for example) when prompted by the user interaction screen and keyboard circuitry. The sender and the recipient need not have any bank accounts to conduct funds transfer. | 03-27-2014 |
20140095383 | SYSTEM FOR ANONYMOUS FUNDS TRANSFER USING ADHOC STAGING ACCOUNTS - A system for conducting funds transfer using a sender mobile device and a recipient mobile device and using adhoc staging accounts that only exist for one-time use during the funds transfer. In one embodiment, a sender can use the source ATM or his mobile device to initiate a funds transfer, or select a bank account online for funds transfer. Similarly, the recipient uses the recipient mobile device to receive funds into a bank account or to receive digital currency into a digital wallet. The recipient provides a transaction id and security information (such as a security token, for example) when prompted by the user interaction screens on the recipient mobile device, for example. The sender and the recipient need not have any bank accounts to conduct funds transfer. | 04-03-2014 |
20140108244 | MEDIA HANDLING DEVICE REJECT RATE - A system and method of providing reject rate data and monitoring media handling device performance related to the reject rate data is disclosed, wherein the media handling device may be an automated teller machine. The system and methods may include determining a reject rate; analyzing a set of reject rate data for trending and statistical comparative analysis; transferring the set of reject rate data from one or more ATMs; and loading the set of rejection rate data into a data warehouse. The method may further include analyzing the set of reject rate data for trending and statistical comparative analysis to gain insight and make improvements to the customer experience at the ATM. The method may further include providing predictive fault tracing to predict in advance when the ATM needs maintenance. | 04-17-2014 |
20140108245 | AUTOMATED BANKING MACHINE THAT OPERATES RESPONSIVE TO DATA BEARING RECORDS - A banking system controlled responsive to data bearing records includes a card reader that can read identifying data from user cards. The system can authorize operation of an automated banking machine responsive to the read data. The system can provide an electronic transaction receipt to the machine user. A bank computer is operable to submit the receipt to a system address on record with the bank. The address can correspond to an e-mail address, phone number, or other address associated with an account involved in the transaction. The receipt can also include an image associated with the transaction. The system cal also operate to image a check deposited at the machine, and then electronically send the image to the check maker, the payee, and/or a clearinghouse. | 04-17-2014 |
20140129440 | DETERMINING AN AUTOMATED BANKING MACHINE FOR CHECK CASHING - A banking system comprises automated banking machines which include a card reader, check imaging device, and cash dispenser. Each system machine can cash a code-correlated check in exchange for receiving both the check and the code assigned to the check, without requiring any user identifying input through the machine's user input devices as a condition for cashing the check. The system allows a potential recipient of a personal check to call in a given code to a system computer, which can verify whether the check is backed by funds reserved for the check amount and whether the check can be anonymously cashed. From the call the system computer can obtain the mobile phone's GPS location to determine the system machine nearest to the phone. When informing the phone user that a check is as good as cash, the system computer can also provide directions to that nearest system machine. | 05-08-2014 |
20140136409 | METHOD FOR PROCESSING SERVICE OF AUTOMATIC TELLER MACHINE AND SYSTEM THEREFOR - A method and a system for processing a service of an automatic teller machine. The method comprises steps: (1) judging the type of a customer service, and according to requirements of a user, and combining services, which are logically associated and are in a certain processing order, into service sequences; (2) generating corresponding service sequence messages according to the service sequences, and submitting the messages to a bank foreground system and a bank background service system at one time for centralized batch processing; (3) packaging each service operation result in the service sequences in order into a service sequence processing result response message, and returning the service sequence processing result response messages to an automatic teller machine at one time; (4) the automatic teller machine analyzing the response messages, and sequentially displaying transaction results on a screen according to the service sequences. | 05-15-2014 |
20140149286 | Transaction Execution - A method and apparatus are disclosed for storing data. The method includes the steps of, when a transaction executing terminal is in a non-communicative state with respect to a primary authorizing node, storing data associated with at least one transaction carried out at the terminal, and authorized by a further authorizing node, under fault tolerant conditions. | 05-29-2014 |
20140156526 | CARD ACTIVATED CASH DISPENSING AUTOMATED BANKING MACHINE SYSTEM AND METHOD - An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is able to perform at least one banking operation with an automated banking machine responsive to account indicia read by the card reader from the card. The banking operations include dispensing cash and accessing financial accounts. A user is also able to perform at least one banking operation with an automated banking machine responsive to financial account data received by the system from a mobile phone. | 06-05-2014 |
20140172703 | CUSTOMER VERIFICATION - A method and apparatus are disclosed for identifying a user. The method includes the steps of determining at least one biometric parameter associated with a user at a terminal, determining a plurality of active users associated with the terminal and comparing the determined biometric parameter with corresponding biometric parameters of the active users. | 06-19-2014 |
20140188723 | METHODS AND SYSTEMS FOR MITIGATING FRAUD LOSSES DURING A PAYMENT CARD TRANSACTION - Computer systems and methods for identifying a potentially fraudulent payment card transaction in progress, and mitigating losses arising from completion of a fraudulent payment card transaction are provided. The computer system is programmed to receive an authorization request message for authorization of a payment card-initiated transaction, when the transaction is initiated using a payment card that includes a first security device operable for transactions initiated within a predefined geographic region and a second security device operable for transactions initiated both within the predefined geographic region and outside of the predefined geographic region. When the transaction is initiated outside the predefined geographic region, the computer system compares data on the payment card to stored data corresponding to a plurality of payment cards previously-approved for transactions outside of the predefined geographic region approval, and applies one or more sets of rules to the transaction as appropriate. | 07-03-2014 |
20140188724 | USER ALERTS FOR MONITORED TRANSACTIONS AT AUTOMATIC TELLER MACHINES - An improved method, apparatus, and computer implemented instructions for processing a check in an automatic teller machine in a data processing system. A check is received from a user at the automatic teller machine. The check is scanned to generate an image. A transaction is performed involving the check. The image is transmitted to a mobile device associated with the user, wherein the image is in a format for use with a financial program. | 07-03-2014 |
20140201075 | TRANSACTION SYSTEM AND METHOD - A method and device of performing a person-to-person payment from a wireless personal communications device of an originator to a wireless communications device of a recipient is provided. The method include transferring a respective blind payment identifier, which is associated with a payment having a monetary value, from a wireless personal communications device of the originator to a wireless personal communications device of the recipient by using a direct device-to-device communications protocol. The personal communications device includes means arranged to communicate wirelessly with a remote payment system to set up a payment therewith including by obtaining and storing a blind payment identifier; and means arranged to communicate directly with a proximal, second personal communications device and impart the blind payment identifier thereto. | 07-17-2014 |
20140207673 | AUTOMATED TELLER MACHINE TRANSACTION BLOCKING - A system, method, and computer-readable storage medium configured to pre-emptively reject an Automated Teller Machine transaction without consulting an issuer. | 07-24-2014 |
20140207674 | AUTOMATED TELLER MACHINE TRANSACTION PREMIUM LISTING TO PREVENT TRANSACTION BLOCKING - A system, method, and computer-readable storage medium configured to store a premium list of accounts of ATM cardholders, wherein the list includes primary account numbers (PANs) associated with the accounts of the ATM cardholders, and to allow the ATM transaction to proceed unblocked if the PAN of the transaction appears on the premium list even if the transaction would otherwise be blocked by the controller based on one or more fraud prevention rules. | 07-24-2014 |
20140222672 | System And Method For Validating A Controller For An Automated Banking Machine Using A Displayed Indicia - A computer implemented method for validating the identity of a controller for an automated banking machine based on displayed indicia. The method includes detecting access to a secure compartment of an automated banking machine, displaying a security indicia visible from the secure compartment, receiving the security indicia at an input device and a first controller accessible from outside of the secure compartment, and validating the identity of the controller based on the received security indicia. | 08-07-2014 |
20140222673 | System and Method for Communicating Financial Transactions Using a Tagless Data Interchange Format - An automated banking a machine such as a teller cash recycler uses a system and method for receiving operating instructions from a remote system in the form of JavaScript object notation (JSON) documents. The system and method uses a computer implemented method for transmitting information between automated banking machines over a communication network. The method includes receiving a message for network communication from a first automated banking machine to a second automated banking machine, formatting the message in a tagless data interchange format independent of the size of the message based on instructions stored on a computer readable medium within the first automated banking machine, and transmitting the formatted message to the second automated banking machine. | 08-07-2014 |
20140222674 | CHECK CASHING BANKING SYSTEM - A card actuated automated banking machine ( | 08-07-2014 |
20140244500 | Intermodal money transport system and method for real-time cash or cash equivalent transfers on electronic devices with an intermodal money application interface that functions as an automated teller machine over one or more open loop financial networks by utilizing a virtual account management system and an intermodal money transport protocol - Disclosed is an intermodal money transportation system and method to send and receive money in real-time on a computer programmable electronic device with an ATM application interface over open loop financial networks during a single financial transaction acquiring session, utilizing an intermodal money transportation protocol data set that is compatible with financial network message protocols, and a virtual account management system that enables financial instrument holders to convert a plurality of financial instruments into virtual cash tokens in a manner that is independent of the modality of payment method used to process said financial instruments, where said financial instruments are readily convertible into cash or a cash equivalent on a transaction terminal and the transaction is irreversible by the originator of said transaction. | 08-28-2014 |
20140244501 | Payer-Based Account Porting To Portable Value Distribution Systems And Methods - A value distribution method includes enrolling a payee into a source program through which the payee receives funds from a payer. The source program includes a stored value account into which the payer deposits the payee's funds. The stored value account has account information associated therewith. The method also includes receiving a porting trigger, and, in response to the porting trigger, establishing a target program for the payee. The target program includes a target account into which entities in addition to the payer may deposit funds. The method also includes porting at least a portion of the account information from the source program to the target program. | 08-28-2014 |
20140279490 | AUTOMATED TELLER MACHINE (ATM) USER LOCATION VERIFICATION - Embodiments of the invention provide unauthorized-transaction protection with user location verification. It is determined whether out-of-network transaction costs and/or an out-of-area transaction costs are associated with an ATM transaction associated with an authorized user. It is also determined whether a geographic location associated with the ATM transaction is geographically proximate to a geographic location associated with a mobile device that is associated with the authorized user. If out-of-network transaction costs and/or an out-of-area transaction costs are associated with the ATM transaction, it is determined whether to reduce the out-of-network transaction costs and/or an out-of-area transaction costs associated with the ATM transaction based at least partially on whether the geographic location associated with the ATM transaction is geographically proximate to the geographic location associated with the mobile device. | 09-18-2014 |
20140279491 | METHOD AND APPARATUS FOR VEHICLE ACCESSIBLE ATM TRANSACTIONS - A system includes an ATM-related processor configured to detect a vehicle approach. The processor is also configured to wirelessly connect to a vehicle computing system (VCS). The processor is additionally configured to validate a vehicle as a present-vehicle. Also, the processor is configured to receive account and vehicle identifying information. The processor is also configured to validate an account as authorized for a transaction in conjunction with the vehicle. The processor is further configured to provide transaction services to the vehicle over the wireless connection, such that the user can interact with an ATM through use of an in-vehicle display. | 09-18-2014 |
20140279492 | REMOTE IMAGE RECOVERY - Methods, systems, and computer-readable media are provided for resilient document image production. During a document deposit transaction, such as a check deposit, a self-service device, such as an automated teller machine (ATM), may experience a fault. In some instances, an image of the document may have been scanned prior to experiencing the fault. The self-service device may retrieve one or more scanned images, for example, over a time window prior to the fault, such as 5 minutes, and allow access to the retrieved images. A processing entity may access the retrieved images, determine that one of the retrieved images is associated with the first document deposit transaction, and resolve a claim for the document deposit transaction. | 09-18-2014 |
20140279493 | MOBILE DEVICES AS SECURITY TOKENS - A person's smartphone serves as a security token—used variously to establish the user's authorization, and to test the bona fides of the counter-party system. In one illustrative ATM arrangement, a bank's computer system and the user's smartphone share secret information across a network. The smartphone employs this shared secret to generate a corresponding image, which is displayed on its screen. The displayed image is sensed by a camera in the ATM, which sends corresponding data back to the bank computer system. The bank computer system analyzes the received data and responds by sending information to the ATM authorizing a transaction. By such arrangement, authentication of the transaction involves one-way optical communication of visual information between the ATM and the smartphone, and two-way network communication of information between the ATM and the bank computer system. A great number of other features and arrangements are also detailed. | 09-18-2014 |
20140304156 | Gold and Precious Metal Buying Machine and Method - The gold and precious metal buying machine and method has a housing, a vault and inboard processing stations for: weighing, detecting constituent elements with x-rays and measuring volume based upon gas or fluid displacement. Weight, elemental data and volume is used to calculate gold weight and discounted market value based upon exchange rate, gold weight and a discount factor. Market value is displayed and if accepted, the system generates payment instruction and vault storage command. A rejection negates the acceptance upon request or error signal and generates rejection command. Machine transports item to various stations and, upon the storage command to the vault, and upon rejection to the item return port in the housing. An air displacement test uses a processor measuring a differential volume and a chambered item at a different pressure by a differential position of a piston movable in the chamber. | 10-09-2014 |
20140310170 | System and Method for Back Office Processing of Banking Transactions Using Electronic Files - As banking transactions are processed by a bank teller, all of the relevant information with respect to the transaction (e.g., dollar amount) is captured in an electronic file. Each of the electronic files from the various branches of the bank are forwarded to a central back office processing center where the electronic files are combined into a single Transaction Repository. At the end of the branch day, all of the paper associated with the transactions is forwarded from the branches to the back office processing center. The paper transactions are imaged in the conventional manner and the Magnetic Ink Character Recognition (MICR) data is read from the paper. The present invention then automatically correlates the images and MICR data captured from the paper with the complete transaction record contained in the Transaction Repository. Most of the conventional back office processing can now be performed without the need to perform character recognition and without the need for excess human intervention. | 10-16-2014 |
20140316983 | SELECTIVELY ROUTING A TRANSACTION FROM AN AUTOMATED BANKING MACHINE BASED ON TRANSACTION PROCESSING FEES - In an example embodiment, a routing computer is operable to communicate with an automated banking machine and with a plurality of remote financial transaction authorization systems. The routing computer is operable to receive data representative of a requested transaction associated with a financial account associated with a user operating the automated banking machine. The routing computer is operable to determine for the plurality of remote financial transaction authorization system a transaction processing fee for the requested transaction. The routing computer is operable to select a selected one of the plurality of remote financial transaction authorization systems for the transaction, wherein the selected one of the plurality of remote financial transaction systems is selected based on having the lowest transaction processing fee for the requested transaction. | 10-23-2014 |
20140330719 | CURRENCY RECYCLER - A cash recycler that is configured to allow deposited money to be dispensed (recycled) in a withdrawal transaction. In one embodiment, multiple currency recyclers could be used at multiple stores of a retail establishment and collectively work from one pending balance. Embodiments are also contemplated in which multiple accounts at one recycler location. In some cases, the currency recycler provides provisional credit for deposits of coinage and checks. In some cases, transactions made on the currency recycler could be settled to any financial institution. | 11-06-2014 |
20140337211 | AUTOMATED TELLER MACHINE ("ATM") CURRENCY STAMPER - Apparatus and methods for an automated teller machine (“ATM”) currency stamper are provided. The currency stamper may be configured to mark currency retracted by the ATM. The mark may include one or more attributes of the currency. The mark may include transaction information associated with a dispensing and/or retraction of the currency. Marked currency may be stored in the ATM. Marked currency may be scanned. A scanning of marked currency may read the attributes of the currency and the transaction information included in the mark. The scanning of the marked currency may erase the mark. A value of the marked currency may be calculated. The value may be determined based on the currency attributes and transaction information included in the mark applied to the currency. | 11-13-2014 |
20140337212 | SENSOR SYSTEM FOR DETECTION OF A PARTIAL RETRIEVAL OF DISPENSED CURRENCY AT AN AUTOMATED TELLER MACHINE - Apparatus and methods for a sensor system are provided. The system may be configured to detect a dispensing of cash from an automated teller machine (“ATM”). The system may be configured to orient one or more sensors to capture a first information stream that includes the dispensing of cash. The system may be configured to detect a retraction of cash by the ATM. The system may orient one or more sensors to capture a second information stream that includes the retraction. The system may be configured to determine an estimate of cash collected by an ATM customer. The estimate may be based on a comparison of the first information stream and the second information stream. | 11-13-2014 |
20140337213 | AUTOMATED TELLER MACHINE ENABLING VIDEO CONSULTATION WITH CONSULTANT DURING FINANCIAL TRANSACTIONS AND TRANSACTION METHOD USING THE SAME - Disclosed is an automated teller machine (ATM) which includes a financial transaction input unit to receive input of a financial transaction request, a first communication unit to communicate with a first server to process at least part of a plurality of steps corresponding to the financial transaction request, a consulting service input unit to receive input of a request for a consulting service associated with the financial transaction request in the plurality of steps, an identification unit to identify a step in which the request for the consulting service is input in response to the consulting service request among the steps, a generation unit to generate financial transaction information corresponding to the identified step, and a second communication unit to request a consulting service associated with the identified step to a second server based on the financial transaction information. | 11-13-2014 |
20140337214 | METHOD AND APPARATUS FOR MONEY TRANSFER - A staged bill payment transaction method comprises receiving transaction information from a user terminal at a kiosk, building a staging record at a data center in communication with the kiosk, and providing a retrieval key to the sender. The transaction information includes sender and biller information, for example where the sender has an account with the biller. The staging record comprises the transaction information and the retrieval key, which identifies the staging record for finalizing the transaction. If the retrieval key leads to the staging record at the data center, the staged bill payment transaction proceeds to credit a send amount to biller. If not, the transaction is rejected. | 11-13-2014 |
20140351124 | SELF-SERVICE BANKING SYSTEM - The present invention relates to a self-service banking system, comprising: one or more means for depositing or withdrawing sums ( | 11-27-2014 |
20140351125 | BANKING SYSTEM CONTROLLED RESPONSIVE TO DATA BEARING RECORDS AND USER INPUT OF A PHONE RECEIVED SECURITY CODE - A banking system operates to cause financial transfers responsive to card data read from data bearing records by a card reader. The system includes at least one automated banking machine comprising a cash dispenser. The system is operative during a cash dispense transaction request to receive through an automated banking machine, machine user input of data corresponding to a mobile phone number. The system is operative to generate a security code for the requested cash dispense transaction. The system uses the phone number to send the generated security code to the mobile phone. The cash dispense transaction is allowed to proceed only if the system receives machine user input of the sent security code. | 11-27-2014 |
20140358777 | METHOD FOR SECURE ATM TRANSACTIONS USING A PORTABLE DEVICE - The application provides a transaction-processing system for performing multi-factor verification of transactions between a plurality of users and a verification processor. The processor is in operational communication with a database storing a plurality of verification records, wherein each record comprises a unique ID and said record containing at least one MSISDN value. Each record comprises at least one reference device serial number value, and each verification record logically and uniquely associated with each of the said plurality of users. The system comprises a routine for reading from a first memory space a verification request message and routine associating said request message to an associated verification record stored on database. | 12-04-2014 |
20140365365 | CARD ACTIVATED CASH DISPENSING AUTOMATED BANKING MACHINE SYSTEM AND METHOD - An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. A user is also enabled to perform at least one banking operation responsive to financial account data communicated to the automated banking machine from a mobile phone. | 12-11-2014 |
20140379573 | COMPUTER SYSTEM FOR CONTROLLING MACHINE BASED TRANSACTIONS - According to one aspect the disclosure relates to a terminal for providing at least one machine based transaction facility for a customer. The terminal comprises: a user interface configured to receive input from a user for conducting transactions and to present to the user a request help option; a first communication interface operable to transmit a user request from the terminal when the request help option is selected to cause an alert to be activated at a separate device; and a second communications interface configured to detect a connection request from a controlling computer and to establish a communications link with the controlling computer by means of which the controlling computer can control operations of the terminal to assist the customer in effecting a transaction. According to another aspect the disclosure relates to a computer system for delivering transactions to a customer. | 12-25-2014 |
20150019424 | DATA SECURITY SYSTEM USING MOBILE COMMUNICATIONS DEVICE - Embodiments of the invention provide systems and methods to unlock an account associated with a user for a limited period of time to enable the user conduct a transaction using funds from that account. In one embodiment of the invention, the user may select options relating to the transaction using a payment menu provided at a mobile communications device associated with the user. A notification message is received at the mobile communications device informing the user that the account is unlocked for a certain period of time and for a certain amount. After the transaction is complete, the user is notified and the account is locked again. | 01-15-2015 |
20150046325 | VIRTUALIZED ATM - A method and apparatus are disclosed for operating an Automated Teller Machine (ATM). The method includes the steps of receiving access to a virtualized operating system and ATM application at an ATM and performing a customer transaction at the ATM using the access to the virtualized operating system and ATM application. A recovery program may be provided to control the ATM if a communication link fails between the ATM and a server providing the access. | 02-12-2015 |
20150052051 | BUSINESS PROCESSING METHOD AND SYSTEM OF FINANCIAL SELF-SERVICE EQUIPMENT - Disclosed are a business processing method and system of financial self-service equipment; the processing method comprises the following steps: (1) an automatic teller terminal judging a business type of a client, carrying out one-time centralized processing on multiple businesses submitted by a certain user, combining businesses, which are logically associated and are in a certain processing order, into business sequences and sending the business sequences to a bank front-end system for processing; (2) the bank front-end system splitting a composite business sequence and submitting the businesses to a bank background business system for centralized processing one by one; (3) the bank front-end system collecting processing results of the businesses from the bank background business system one by one, returning the processing results to the automatic teller terminal through a format of a composite business sequence message, and displaying transaction results on a screen for the user. | 02-19-2015 |
20150052052 | SYSTEM AND METHOD FOR MAKING FUNDS AVAILABLE FOR GAMING - A system for making funds available for gaming which includes a terminal which is configured to read customer information from a card. The terminal includes an input/output unit configured to allow the customer to select a quasi-cash transaction and to generate an order authorizing the quasi-cash transaction. The system also includes a station which is configured to retrieve the order and information verifying the identity of the customer and, when the identity of the customer is verified, is configured to, at the customer's option (1) obtain an electronic endorsement from the customer and place the electronic endorsement in an electronic image or (2) print out a hard copy of a check for endorsement by the customer. | 02-19-2015 |
20150058215 | Assisted Self-Service Transaction Device - While performing or initiating a transaction with a self-service video transaction device, a user may interact with a video agent and a terminal associated therewith. Video and/or audio functionalities may be enabled or disabled based on a length of a wait time to connect to a video agent. If the wait time exceeds a predetermined threshold, video and/or audio functionalities may be disabled, and the self-service device may generate a display indicating that video and/or audio functionalities are unavailable. If the wait time does not exceed the predetermined threshold, video and/or audio functionalities may be enabled, and the self-service device may generate a display indicating that video and/or audio functionalities are available. Also, on-site assistance features are provided that may allow for additional functionality to be provided to a user of the self-service video transaction device or other type of transaction device. | 02-26-2015 |
20150058216 | ATM Enabling Interface with Mobile Technology - A user having a mobile device with optical recognition capabilities and a mobile payment software solution is able to scan a matrix QR code that, upon being scanned by the user's mobile device, links the user's mobile payment software to an ATM back-end administrative software allowing the user to complete banking transactions on the mobile device as if a traditional magnetic card has been swiped in the ATM. The user can also transfer funds to other mobile payment application users. The mobile software solution and ATM back-end generate unique identifiers and passwords that are compared by the software, confirming the identity of the user and providing a secure transaction environment. | 02-26-2015 |
20150058217 | Automated Document Cashing System - Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies the user. Validation of the document involves one or more of: validating the presence of a signature; validating the amount of the monetary transaction document including a manual entry of the amount by the user; validating CAR against the LAR; and validating the banking system parameters and rules for the customer and/or the transaction. To assist in the automatic analysis of data on monetary transactional documents or on remittance documents, the user is prompted to provide a bounding box about the data. An image touch screen may be touched by the user to locate the bounding box and the user may magnify the data to fill the boundary box to exclude other data from analysis. After document and person validation, the system will dispense money or transfer monies to a savings account, a checking account, a smart card, or the like. The system will also write money orders or wire transfer money. | 02-26-2015 |
20150066761 | SELF-SERVICE MACHINE AND OPERATING METHOD OF SELF-SERVICE MACHINE - Provided is a self-service machine and operating method of the self-service machine, the self-service machine including a communication unit to receive, from a video communication server, video information on an agent terminal to be connected, in response to a video advice request, and a display unit to provide an interface including a video area in a first area divided on a screen, and display the video information executed by video communication software through the video area. | 03-05-2015 |
20150073984 | ATM PROVIDED PAYMENT PROCESS - System, method, and computer program product are provided for a user to send and receive P2P payments using an ATM machine. Through the use of an ATM, a user may access accounts the user has at a financial institution and direct payments to other individuals or entities from the ATM using those accounts. In this way, the user may ensure a secure payment to a third-party through the network associated with the financial institution and ATM. The payments may be directed to individuals the user may input into the system or to pre-established entities. This invention allows a user to receive and provide payments for any type of transaction utilizing the security, accuracy, and convenience provided to the user by an ATM. | 03-12-2015 |
20150100489 | BANKING APPARATUS WITH DEPOSIT ACCEPTING DEVICE - An automated banking machine that includes a check acceptor that is operative to receive checks from authorized machine users. The check acceptor is operable to continuously move a received check along its transport path while simultaneously rotationally orienting the check into alignment with the transport path. A check determined not to have at least one property of an acceptable check is returned to the machine user. Acceptable checks are processed and stored in the machine. | 04-09-2015 |
20150120541 | Contribution Destination Identification and Processing - Systems, methods and apparatuses for identifying a plurality of contribution destinations and a geographic location associated with each contribution destination. In some examples, a plurality of transaction devices or systems (e.g., automated teller machines (ATMs), online banking systems, mobile banking applications, and the like) may also be associated with a geographic location. In some arrangements, the contribution destination(s) associated with a geographic location will be transmitted to any transaction devices associated with the same geographic location. The contribution destinations may then be presented to a user or customer with a request for a gift or donation to one or more of the contribution destinations via the transaction device or system (e.g., during the course of another transaction initiated by the user). | 04-30-2015 |
20150120542 | SYSTEM AND METHOD FOR OVERRIDING RULE DRIVEN AUTOMATED DECISIONS - A system and method for overriding rule-driven automated decisions that result from the use of an automated consumer device associated with rule-driven automated systems. In an aspect, the automated rules-driven override system comprises an automated consumer device, an interactive server, core decision systems, and an override device. In an aspect, the automated consumer device, the interactive server and the override device are configured to work in concert with one another to override certain decisions performed by the core decision systems. | 04-30-2015 |
20150120543 | EyeWatch ATM and Wire Transfer Fraud Prevention System - A method of iris scanning and proximity sensing, which includes receiving and photographing an iris in the iris scanning mode of the subject computer, laptop, mobile device or tablet, smartphone or i-phone; sensing for the available amount of necessary light and whether the iris is within the desired range to ensure proper acquisition of the sample. The iris is then photographed. The method provides for recognizing the iris utilizing the previously photographed iris image and converting the photographed iris image to an encrypted mathematical value, which will then be stored within the acquiring electronic device such as computer, laptop, smartphone; i-phone; mobile device or tablet, to be compared for future reference against any subject photographed iris. If any subsequently photographed iris matches the encrypted mathematical stored image, access to the device is granted. If the subsequently photographed iris does not match the encrypted mathematical stored image, access is denied. | 04-30-2015 |
20150127533 | AUTHORIZATION OF CHECK DEPOSITS - A method for authorizing check deposits includes digitally recording a check; using digital image recognition methods to determine digital check data which describe the issuer, the recipient and the sum of the check; and authorizing the further processing of the check if one or more of the following steps are successful: a) checking, in a database protected from external access, whether the issuer of the check has cleared the recipient by comparing the digital check data with data from the database; and b) loading digital communication addresses of the issuer from a database protected from external access, transmitting the digital check data to the communication address with the request to digitally clear the check, and receiving digital clearance of the check from the issuer. | 05-07-2015 |
20150294283 | PERSONAL IDENTIFICATION VALIDATOR AND METHOD - A banknote validator integrated into an automated machine having a personal identification data collection apparatus and method integrated therein. The system utilizes the banknote image acquisition device, a separate image acquisition device, a computer readable data storage reader and/or an external personal identification data acquisition member for obtaining information from a personal identification reference, such as a state identification card. The system can utilize the personal identification data to determine if the individual is authorized to or restriction from use of the automated machine, provide security to operation of the machine, and create and utilize a relationship between the individual associated with the personal identification and other cards (such as financial cards, facility related cards, etc.) for use in a transaction. | 10-15-2015 |
20150310418 | CHECK CASHING WITH A MOBILE PHONE - A card actuated automated banking machine ( | 10-29-2015 |
20150317617 | METHOD OF OPERATING AUTOMATED TELLER MACHINE IN MULTI-SHEET WITHDRAWALS - A method of operating a device ( | 11-05-2015 |
20150317624 | RF TRANSACTION SYSTEM AND METHOD FOR STORING USER PERSONAL DATA - A system and method for a RF transaction device for storing user personal data is disclosed. The invention includes a system and method for facilitating a healthcare transaction using a transponder system configured to store different healthcare information in different storage areas on a database. The invention includes providing account information in ISO/IEC 7816 magnetic stripe Track 1/Track 2 format. The invention also includes an RFID reader for transmitting account and database information. In one embodiment the invention provides an RFID reader as a free standing or a computer implemented device. In another embodiment, biometric security measures are used in conjunction with the transponder system. In another embodiment, the transponder system communicates with one or more third-party healthcare providers to facilitate the transfer of healthcare and personal information. | 11-05-2015 |
20150317628 | Assisted Approval of Denied Self-Service Transactions - A Self-Service Terminal (SST) transaction is denied over an SST network. Transaction details for the transaction are sent over a second network to an assistant. The transaction details are evaluated to determine whether to override the transaction on the second network or whether to provide assistance to a customer associated with the transaction to successfully reprocess the transaction at the SST. | 11-05-2015 |
20150317637 | MULTIBANK BIOMETRIC AUTHENTICATION SYSTEM APPLIED IN AUTOMATIC TELLER MACHINES EQUIPPED WITH BIOMETRIC SENSORS - “MULTIBANK BIOMETRIC AUTHENTICATION SYSTEM APPLIED IN AUTOMATIC TELLER MACHINES EQUIPPED WITH BIOMETRIC SENSORS”, the “MULTIBANK BIOMETRIC AUTHENTICATION SYSTEM APPLIED IN AUTOMATIC TELLER MACHINES WITH BIOMETRIC SENSORS” refers, more specifically, to the use of automatic teller machines to perform transactions with multibank biometric authentication with one, two or three biometric sensors; the system proposed enables transactions to be performed requiring only the biometric authentication or requiring contingency devices, i.e., positive identification, TAN CODE, TOKEN, or further, that it is realized requesting the combination of devices, being the referred solution developed to reduce costs and increase accuracy in the user (U) authentication, providing full security in financial transactions, on a configurable customized manner to attend the needs of the financial institutions ( | 11-05-2015 |
20150324774 | SYSTEM AND METHOD FOR FACILITATING THE CONCLUSION OF AN ECOMMERCE PURCHASE TRANSACTION THROUGH A NETWORK CONNECTED AUTOMATED TELLER MACHINE - Systems and methods are provided for facilitating alternative payment submissions. According to a one aspect, responsive to a selection by a purchaser that enables receipt of an alternative payment submission in furtherance of a transaction between the purchaser and a vendor, a transaction notification is received, the transaction notification including a payment amount and corresponding to the transaction, a unique identifier is generated, the unique identifier corresponding to the transaction notification, and the unique identifier is provided to a paying party in order to facilitate receipt of the alternative payment submission in furtherance of the transaction. An input of the unique identifier is received at an automated teller machine (ATM), the alternative payment submission is elicited at the ATM, and the vendor is notified of receipt of the alternative payment submission. | 11-12-2015 |
20150339643 | AUTOMATED TRANSACTION SYSTEM - This invention relates to an automated transaction system, a method of operating the same, and to a method and system for vending a token for a prepaid service. The system essentially comprises a database storing rules to be applied by the system to financial transactions and a processor to direct operation of the system. In particular, the processor is operable to receive, in a real-time or near real-time, deposit data indicative of a deposit of a financial value made into a bank account held at a bank for a financial transaction for the purchase of goods and/or services. The processor is further configured to process the financial transaction requested and apply one or more stored rules to the processing of the determined requested transaction. The financial transaction may be for the purchase of tokens for a pre-paid service such as the provision of a commodity, e.g., electricity. | 11-26-2015 |
20150348183 | DEPOSIT VISUALIZATION - A multiple banknote and/or check deposit transaction at a Self-Service Terminal (SST) permits visual customer feedback during the transaction for depicting categories and denominations associated with the transaction. Moreover, an interface rendered with the visual customer feedback permits the customer to review, edit, accept, or abort the transaction. | 12-03-2015 |
20150356526 | Intuitive Interactive Automated Video Teller Machine - Disclosed is an inventive concept in the field of automated teller machines, frequently referred to as ATM's. The concept, referred to as a “micro-branch,” comprises a method of presenting a sequence of automated, interactive video presentations to a user who then performs desired financial transactions. In particular, the disclosed concept relates to a free-standing kiosk that can perform a plurality of financial transactions which, up to now, were only available at the main office or a branch office of the financial institution. The preferred embodiment of this concept is the design of a system specifically applicable to a credit union and its members, although similar transactions may be engaged in by customers of banks and other financial institutions. The functional characteristics of the concept include the user's selection of varied video “concierges” to provide intuitive-type assistance to the user of the system. | 12-10-2015 |
20150356527 | APPARATUS AND METHODS FOR CONDUCTING ATM TRANSACTIONS - Apparatus and methods | 12-10-2015 |
20150363755 | METHOD AND SYSTEM FOR RESOLUTION OF DEPOSIT TRANSACTION EXCEPTIONS - A method includes receiving a request to fulfill a self-service deposit transaction on an ATM including an image scanner, the ATM connected over a network to a host device, scanning a deposit media to generate an image of the deposit media, detecting an exception in relation to the deposit transaction, generating a deposit transaction data record comprising the image and a transaction summary, and transmitting the deposit transaction data record for access by the host device enabling resolution of the exception and reconciliation of the deposit transaction. | 12-17-2015 |
20150379489 | DEVICE INFORMATION ON A SELF-SERVICE TERMINAL - A method and terminal are provided for maintaining media and operational information for devices connected to a self service terminal. Self service terminals such as automatic teller machines (ATM) support multiple applications that use the devices attached to the ATM. During the ATM reconciliation process, operation device information is needed for each device and for application. The application specific device information is gathered by software extensions to the XFS components which operate the devices of the ATM. | 12-31-2015 |
20160019510 | SPLIT ATM BOOTH AND METHOD OF PERFORMING BANKING TRANSACTIONS THEREIN - The present invention discloses a split ATM booth and method of providing instant banking transactions. The split ATM booth includes teller kiosks for receiving a transaction request, sending a pre-stage transaction authorization request to an ATM network server, printing a transaction receipt containing a unique transaction encryption code. Cash dispenser terminals are provided for scanning the unique transaction encryption code, sending a transaction authorization request to the ATM network server, receiving a transaction approval from the ATM network server upon verification of the user account details and transaction details, executing the transaction and printing a transaction receipt. A transaction network switch controls the banking transactions at the split ATM booth. | 01-21-2016 |
20160019537 | SECURE CARDLESS CASH WITHDRAWAL - Methods, systems, and computer program products for secure cardless cash withdrawal are provided. A computer-implemented method may include identifying one or more cash machines near a computing device of a user, receiving a cash request from the computing device, generating a one-time authorization code on a secure server for the cash request when the computing device is detected by a sensor of a selected cash machine, providing the one-time authorization code to the computing device for display to the user when the computing device is detected within a distance allowing the user to operate the cash machine, validating a user-provided code received from the selected cash machine in view of the one-time authorization code, instructing the selected cash machine to distribute the requested cash when the user-provided code is validated, and invalidating the one-time authorization code when the cash request is completed. | 01-21-2016 |
20160034868 | DISPLAY SYSTEM WITH SECURITY FEATURES - The present disclosure provides a display system which includes an electronic device and a user-side auxiliary viewing module. The electronic device may include a device-side display module, which includes an array substrate, a color filter substrate, a liquid crystal layer arranged between the array substrate and the color filter substrate, and a first polarizer adhered onto a surface of the array substrate away from the liquid crystal layer. A second polarizer may be arranged on the user-side auxiliary viewing module, and have a polarization axis in a direction substantially perpendicular to a polarization axis of the first polarizer. | 02-04-2016 |
20160034871 | MOBILE KIOSK FOR ENHANCED FINANCIAL PRODUCT OFFERINGS - In some embodiments, a mobile kiosk includes a vehicle and a kiosk portion coupled to the vehicle. The mobile kiosk provisions financial products. The mobile kiosk receives information for a first configuration customized according to a first customer location, applies the first configuration, and provisions a first set of the financial products using the first configuration. The mobile kiosk then receives information for a second configuration customized according to a second customer location, applies the second configuration, and provisions a second set of the financial products using the second configuration. The second configuration differs from the first configuration and the second location differs from the first location. | 02-04-2016 |
20160048816 | Method and System for Processing Payment Transactions at an Automated Teller Machine - A method for processing payment transactions at an automated teller machine (ATM) includes: storing a plurality of account profiles, each profile including data related to a payment account associated with a consumer including a payment account number associated with the related payment account and one or more alternative account numbers, each associated with a different payment account associated with the consumer; reading payment details encoded on a payment card inserted in a receiving device of an ATM, the details including a specific payment account number; identifying a specific account profile where the included payment account number corresponds to the specific payment account number; and displaying a plurality of account selection items, each item corresponding to a payment account associated with one of: the payment account number and one of the one or more alternative account numbers included in the identified specific account profile. | 02-18-2016 |
20160048817 | SYSTEMS AND COMPUTER-IMPLEMENTED PROCESSES FOR DEPOSITING, WITHDRAWING, AND REUSING CURRENCY FOR PURCHASE TRANSACTIONS USING AN INTELLIGENT TELLER MACHINE - Systems and methods are disclosed for the deposit, withdrawal, and reuse of currency for transactions. According to disclosed embodiments, an intelligent teller machine (ITM) is configured to receive currency as payment for a transaction, to calculate and dispense any change due, and to request that the net value of the transaction (e.g., the revenue) be deposited into the financial account of the business. The currency received by the ITM is also available to make change for future purchase transactions. | 02-18-2016 |
20160048818 | CASH PAYMENT FOR REMOTE TRANSACTIONS - One method for transferring funds includes receiving at a web server computer a request to transfer funds from a sender to a receiver. The request includes information identifying the sender and a payment vehicle for providing funds to transfer. The payment vehicle is validated and a transaction identifier is generated or assigned. The transaction identifier may be transmitted from the web server computer to the sender. When ready to receive the funds, the transaction identifier is entered into an ATM. If the transaction identifier is validated, the funds are dispensed from the ATM. | 02-18-2016 |
20160055464 | MONITORING CASH HANDLING MACHINES - A banking system comprising a network, one or more cash handling machines connected to the network, the cash handling machine generating a status report on detection of a status update event, at least one monitoring device connected to the network to which the status report is addressed, and one or more user devices connected to the network. The monitoring device(s) allow at least one operative of each user device to subscribe to particular cash handling machine(s) and/or particular event type(s). The at least one monitoring device receives the status reports and filters them based on one or more report identifiers in each report identifying the cash handling machine generating the report and/or an event type, and transmits to each of the user devices only the filtered status reports which contain report identifiers identifying the one or more cash handling machines and/or event types to which an operative has subscribed. | 02-25-2016 |
20160071076 | DELIVERY OF INFORMATION SERVICES TO PERSONAL DEVICES - A transaction processing system for sending user information data to a personal device, and an associated method are provided. The system comprises: a personal device, such as a balance display card; an interface device, such as a card reader for transmitting data to and from the card; a communications network connecting to the interface device; an issuer processor connected to the communications network; and a trusted network processor (TNP) processor connected to the communications network, interposed between the interface device and the issuer processor. The TNP processor is arranged to receive a transaction request message from a card user and to transmit a response message back to the personal device, the response message typically being a transaction authorization together with information for display on the card. The TNP processor is arranged to identify, dependent on properties of the transaction request message, whether the associated response message will require data to be sent to the user information device, and if so identified, to: route the transaction request message to the issuer processor using a standard message; receive the required data from the issuer processor using another standard message; match the received required data to the original request; generate an appropriate response message and script containing the required data; and transmit the response message back to the personal device thereby making the required information known to the user. | 03-10-2016 |
20160078416 | SYSTEM AND METHOD FOR PROVIDING A PORTABLE ATM - Embodiments include a database that maintains a respective status of mobile ATMs that indicates the location and cash available for withdrawal, a communication interface that receives a request for a mobile ATM from a user device, the request including user device location data, a location processor that compares the user device location data to location data of the mobile ATMs, and determines a first mobile ATM that is closest to the user device based on the user device location data, and a backend transaction processor that processes the transaction when confirmed. The communication interface transmits an alert that includes the request to the first mobile ATM, receives a response, transmits another alert that includes the location of the first mobile ATM and an estimated time that the first mobile ATM will arrive at the location associated to the user device, and receives confirmation from the first mobile ATM. | 03-17-2016 |
20160078430 | SYSTEM AND METHOD FOR DIGITAL AUTHENTICATION - A system and method for push notification authentication includes a communication interface that communicates with a mobile device via a network, a digital security delivery database that stores information about a user that is enrolled in push notification authentication, the information about a user that is enrolled in push notification authentication hardware includes characteristics of the mobile device and login information for the user, and an application programming interface (API) framework coupled to the communication interface that receives information indicating that a transaction requiring push notification authentication has been approved by a user of the mobile device, updates the digital security delivery database to indicate that the transaction requiring push notification authentication has been approved by the user, and transmits a transaction status to the mobile device. | 03-17-2016 |
20160078527 | Device and method for conducting financial services business via remote video conference - A device and method for integrating the functions of ATMs, online banking, and other financial services into a single user-friendly video conferencing station at which a customer and representative of a financial institution may converse face to face in real time and conduct any and all of the business they would otherwise be able to conduct in person in an office on the premises of the financial institution. The station consists of: a unit roughly the size and shape of a standard office desk and containing a monitor for videoconferencing, a scanner and printer for exchanging documents, a smaller scanner for verification of identification cards, and an electronic signature pad; and an ATM or similar kiosk capable of remote operation for dispensing cash and teller checks. | 03-17-2016 |
20160086143 | AUTOMATED FINANCIAL TRANSACTIONS - Arrangements relate to processing financial transactions on an automated teller machine (ATM). An ATM identifier can be presented on a display of the ATM. An ATM identifier confirmation can be received from a mobile computing device. Responsive to determining that the ATM identifier confirmation matches the identifier presented on the display of the ATM, a customer authentication or a transaction request can be received from the mobile computing device. Responsive to verifying the customer authentication or the transaction request, the transaction request can be processed. | 03-24-2016 |
20160098692 | METHOD FOR PROCESSING TRANSACTION STATEMENT INQUIRIES VIA AN ATM - Disclosed is an automated teller machine (ATM) configured for processing transaction statement inquiries. The ATM also typically includes a processor, a memory, and a module stored in the memory. The module is typically configured to: receive a first request from a user to view a transaction statement; present the transaction statement on a display associated with the automated teller machine, wherein the transaction statement comprises one or more line items corresponding to one or more transaction associated with the user account; receive a second request from the user to select at least one line item within the transaction statement for inquiry processing; and process at least one action for the at least one line item based at least partially on the second request from the user to select the at least one line item within the transaction statement for inquiry processing. | 04-07-2016 |
20160098700 | METHOD FOR PROVIDING PRIVACY THROUGH ATM COMMUNICATION TO CONSUMER DEVICES - Disclosed is an automated teller machine (ATM) that directly communicates with consumer devices to provide privacy. The ATM typically includes a processor, a memory, and a module stored in the memory. The module is typically configured to: initiate an ATM session with a user; associate at least one user mobile computing device with the ATM session; process a first transaction request on behalf of the user during the ATM session; and, in response to processing the first transaction request, initiate an interactive session between the ATM and the user mobile computing device, wherein information associated with the first transaction request is communicated to the user mobile computing device during the interactive session. | 04-07-2016 |
20160098709 | ATM WITH DUAL DISPLAY HAVING PRIVACY FILTER - Disclosed is an automated teller machine (ATM) having a display. The ATM also typically includes a processor, a memory, and an ATM application stored in the memory. The ATM application is typically configured for: displaying public information on the display; initiating an ATM session with a user; based on initiating the ATM session with the user, initiating a privacy protocol, the privacy protocol reducing the viewability of at least a portion of the display; receiving user-specific information; and, during the ATM session with the user and based on receiving the user-specific information, displaying the user-specific information on the portion of the display having reduced viewability. | 04-07-2016 |
20160098904 | DISTRIBUTED CURRENCY DISPENSING ACROSS AUTOMATED TELLER MACHINE NETWORKS - Apparatus and methods for distributed currency dispensing across automated teller machine (“ATM”) networks are provided. In response to a malfunction component of an ATM, a customer may be directed to continue a banking transaction at another location. The other location may include a neighboring ATM. The other location may include a shared resource located within a banking center. The shared resource may perform a function of the malfunctioning ATM component. A shared resource may be accessible by a teller workstation, a platform area workstation or any suitable transaction station within a banking center. | 04-07-2016 |
20160104139 | DYNAMIC REPLACEMENT OF SELF-SERVICE TERMINAL (SST) STATES FLOW AND SCREENS HANDLING - A state-drive Self-Service Terminal (SST) has its existing state table dynamically and transparently replaced. The states flow, the screens rendered during the flows, and the state transitions are handled by an enhanced module processing on the SST. The enhanced module references existing state code on the SST so that the SST continues to operate in a manner expected, but enhanced functionality and features are provided to the SST through the enhanced module and the replaced state table. | 04-14-2016 |
20160117655 | STACKING PURGE-BIN - Apparatus and methods for a stacking purge-bin (“SPB”) are provided. The SPB may be configured to rotate. The SPB may include a plurality of receiving sections. One or more tangible items retracted by the SSK may be stored in each receiving section. Rotating the SPB between each retraction may prevent tangible items from two consecutive retractions from being stored in a single receiving section. Preventing tangible items from two consecutive retractions from being stored in a single receiving section may allow each tangible item to be associated with transaction information corresponding to a retraction. The SPB may store separators. A separator may be inserted between tangible items received from two consecutive retractions. Separating between tangible items received from two consecutive retractions may allow each tangible item to be associated with transaction information corresponding to a retraction. Transaction information associated with a retraction may be marked on the separator. | 04-28-2016 |
20160117766 | MOBILE KIOSK FOR ENHANCED FINANCIAL PRODUCT OFFERINGS - A mobile kiosk comprising a vehicle and a kiosk portion coupled to the vehicle. The mobile kiosk receives information for a first configuration of financial products and applies the first configuration to the mobile kiosk at a first time. It provisions a first set of the financial products while the mobile kiosk is configured according to the first configuration. The mobile kiosk receives information for a second configuration of the financial products, wherein the second configuration differs from the first configuration. It applies the second configuration to the mobile kiosk at a second time, and provisions a second set of the financial products while the mobile kiosk is configured according to the second configuration. | 04-28-2016 |
20160125374 | Note Verify - A validator having multiple modes of operation is contemplated. The validator may be operable in a standard mode where notes are escrowed and subsequently directed to a secure storage area depending on validity and a note-verify mode where notes are escrowed and subsequently returned to a user regardless of validity. | 05-05-2016 |
20160125375 | BANKING SYSTEM CONTROLLED RESPONSIVE TO DATA BEARING RECORDS - An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and a display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. Machine instructions are output and user transaction inputs can be received through either a primary or an auxiliary touch screen display. | 05-05-2016 |
20160132887 | SYSTEMS AND METHODS FOR DETECTING COMPROMISED AUTOMATED TELLER MACHINES - A computer-implemented method for detecting compromised automated teller machines is provided. The method includes receiving activity data from an ATM, activity data including user input data and machine data, wherein user input data includes instructions input by a user at the ATM during a transaction, and wherein machine data is associated with processes performed by the ATM; storing operating parameter rules in the memory, the operating parameter rules configured to indicate whether the received activity data is within a normal activity range for the ATM; applying the received activity data to the operating parameter rules; generating an activity score for the ATM based on the applying, wherein the activity score is configured to indicate a likelihood that the ATM is compromised; and initiating a response based on the activity score. | 05-12-2016 |
20160133102 | AUTOMATED TELLER MACHINE ("ATM") CURRENCY STAMPER - Apparatus and methods for an automated teller machine (“ATM”) currency stamper are provided. The currency stamper may be configured to mark currency retracted by the ATM. The mark may include one or more attributes of the currency. The mark may include transaction information associated with a dispensing and/or retraction of the currency. Marked currency may be stored in the ATM. Marked currency may be scanned. A scanning of marked currency may read the attributes of the currency and the transaction information included in the mark. The scanning of the marked currency may erase the mark. A value of the marked currency may be calculated. The value may be determined based on the currency attributes and transaction information included in the mark applied to the currency. | 05-12-2016 |
20160140523 | POSITION ADAPTIVE ATM FOR CUSTOMER PRIVACY - Embodiments of the invention are directed to a system, method, or computer program product for providing a position adaptive Automated Teller Machine (ATM) for customer privacy. In this way, the system senses, via a sensor, characteristics associated with the customer's portion relative to the ATM screen. The characteristics may include the stature of the customer, the relative proximity the customer is to the ATM, eye tracking or the like. Once the characteristics associated with the customer are determined the system may make adjustments via software and/or hardware to the ATM in order to present display information from the ATM in a private manner. | 05-19-2016 |
20160140524 | DECOY SENSOR SYSTEM FOR AUTOMATED TELLER MACHINES - Apparatus and methods for a sensor system are provided. The system may be configured to detect a dispensing of cash from an automated teller machine (“ATM”). The system may be configured to orient one or more sensors to capture a first information stream that includes the dispensing of cash. The system may be configured to detect a retraction of cash by the ATM. The system may orient one or more sensors to capture a second information stream that includes the retraction. The system may be configured to determine an estimate of cash collected by an ATM customer. The estimate may be based on a comparison of the first information stream and the second information stream. | 05-19-2016 |
20160140525 | STORING TRANSACTION DETAILS FOR MOBILE TELEPHONE TOP UPS VIA AUTOMATIC TELLER MACHINES - Methods and apparatus for operating an automatic teller machine (ATM) to perform a mobile telephone top up. In an embodiment, a card reader associated with an ATM processor reads a card account number and receives, via an input device, an indication from the cardholder to perform a mobile telephone top up transaction. The ATM processor then transmits a request for prior top up transaction data to a service provider computer, receives the requested data, displays it on a display screen, receives a selection by the cardholder of a mobile telephone carrier and a mobile telephone number, and receives an amount of money indication to apply. The ATM processor then transmits a second request to the service provider including the amount of money indication and the selection from the displayed prior top up transaction data. | 05-19-2016 |
20160140555 | SYSTEMS AND METHODS FOR GENERATING SUGGESTIONS AND ENFORCING TRANSACTION RESTRICTIONS - A user traveling abroad may decide to make a purchase transaction from a merchant, or exchange cash to foreign currency, or withdraw foreign currency from a funding source of the user. A service provider server may determine exchange rates and transaction fees for different funding sources of the user and/or at different currency exchange locations. The service provider server may further suggest a particular funding source and/or a currency exchange location. The user may conveniently make an informed decision regarding which currency exchange location to go to and which funding source to use. After the trip, the user may have leftover foreign currency. The user may exchange the foreign currency for credit in a restricted account that can be used to make purchases but cannot be cashed out. The credit may be converted to domestic currency and may conveniently be used to make purchases. | 05-19-2016 |
20160140563 | DUAL SENSOR CONTROLLERS FOR AUTOMATED TELLER MACHINES - Apparatus and methods for a sensor system are provided. The system may be configured to detect a dispensing of cash from an automated teller machine (“ATM”). The system may be configured to orient one or more sensors to capture a first information stream that includes the dispensing of cash. The system may be configured to detect a retraction of cash by the ATM. The system may orient one or more sensors to capture a second information stream that includes the retraction. The system may be configured to determine an estimate of cash collected by an ATM customer. The estimate may be based on a comparison of the first information stream and the second information stream. | 05-19-2016 |
20160148179 | APPARATUS AND METHOD FOR MONITORING TRANSACTIONS INVOLVING A CONSERVED RESOURCE - A computer-implemented method and apparatus are provided for monitoring transactions involving a conserved resource, for example to monitor operation of a network of cash dispensing machines. The method comprises receiving into a computer monitoring system a plurality of data feeds relating to the transactions to be monitored, each data feed comprising successive rows of data, each data row in a given data feed comprising multiple data elements in accordance with a predetermined pattern. The method further comprises performing, within the computer monitoring system, a grouping analysis, on the received data feeds. The grouping analysis determines at least one data element in a first data feed from said plurality of data feeds corresponding to provision of said conserved resource, and at least one data element in a second data feed from said plurality of data feeds corresponding to consumption of said conserved resource. The method further comprises reconciling the at least one data element corresponding to provision of said conserved resource against the at least one data element corresponding to consumption of said conserved resource in order to monitor said transactions. | 05-26-2016 |
20160155104 | AUTOMATED TELLER MACHINE ("ATM") CURRENCY STAMPER | 06-02-2016 |
20160155105 | DUAL-SLOT, QUICK SERVICE TERMINAL FOR IDENTIFYING CUSTOMERS USING LEGACY CUSTOMER IDENTIFICATION INSTRUMENTS | 06-02-2016 |
20160162855 | PRE-CONFIGURE AND CUSTOMIZE ATM INTERACTION USING MOBILE DEVICE - Embodiments of the invention are directed to a system, method, or computer program product for communicating customer preferences to an automated teller machine (ATM). In this way, the system receives at least one customer preference for conducting transactions at an ATM and input from the customer indicating the customer's desire to conduct an ATM transaction. In response to receiving the customer input, the system may generate a customer preference communication for receipt by the ATM, wherein the customer preference communication comprises at least of the at least one customer preferences for conducting transactions at an ATM. | 06-09-2016 |
20160162856 | ATM CUSTOMER DEFINED USER INTERFACE FOR SECURITY PURPOSES - Embodiments of the invention are directed to a system, method, or computer program product for receiving a customization that will be displayed on the screen of an ATM based on a customer initiating a session with the ATM. The customization is associated with a function to perform a financial transaction. The function is performed as a result of the customer interacting with the customization on the screen of the ATM. The customization may be altered based on a handicap impairment of the customer. The displaying of the customization may be restricted for security purposes or as a request of the customer. | 06-09-2016 |
20160162869 | SYSTEM AND METHOD OF FACILITATING CASH TRANSACTIONS AT AN ATM SYSTEM WITHOUT AN ATM CARD USING MOBILE - A system, method, and computer-readable storage medium configured to facilitate cash transactions at an Automated Teller Machine when an ATM card is not present. The system allows a customer of a first bank to use an ATM of a different bank and still facilitate the ATM transaction without an ATM card present. | 06-09-2016 |
20160171461 | AUTOMATED TRANSACTION MACHINE WITH DUAL CUSTOMER INTERFACE DISPLAYS | 06-16-2016 |
20160171462 | ATM CUSTOMER DEFINED USER INTERFACE FOR SECURITY PURPOSES | 06-16-2016 |
20160171463 | ATM CUSTOMER DEFINED USER INTERFACE FOR SECURITY PURPOSES | 06-16-2016 |
20160171464 | ATM CUSTOMER DEFINED USER INTERFACE FOR SECURITY PURPOSES | 06-16-2016 |
20160171465 | ATM CUSTOMER DEFINED USER INTERFACE FOR SECURITY PURPOSES | 06-16-2016 |
20160171466 | ATM CUSTOMER DEFINED USER INTERFACE FOR SECURITY PURPOSES | 06-16-2016 |
20160171467 | ATM CUSTOMER DEFINED USER INTERFACE FOR SECURITY PURPOSES | 06-16-2016 |
20160180307 | MOBILE PHONE ATM PROCESSING METHODS AND SYSTEMS | 06-23-2016 |
20160189123 | CARD ACCOUNT IDENTIFIERS ASSOCIATED WITH CONDITIONS FOR TEMPORARY USE - Systems, methods and computer-readable media are disclosed for providing a cardholder with a token corresponding to a card account identifier for temporary use in emergency situations in which an existing card account identifier has potentially been compromised, as a result of theft or loss of a transaction card or other potential misappropriation of the existing identifier, or situations in which the existing identifier is otherwise unavailable for use. The card account identifier for temporary use may be associated with conditions that restrict the manner and scope according to which the identifier may be used to gain access to funds. The token is provided to a funds dispensing system that is configured to construct the corresponding card account identifier from the token and initiate a financial transaction using the card account identifier. | 06-30-2016 |
20160203465 | CHECK CASHING WITH A MOBILE PHONE | 07-14-2016 |
20180025336 | CHECK CASHING AUTOMATED BANKING MACHINE | 01-25-2018 |
20190147418 | MULTIBANK BIOMETRIC AUTHENTICATION SYSTEM APPLIED IN AUTOMATIC TELLER MACHINES EQUIPPED WITH BIOMETRIC SENSORS | 05-16-2019 |
20190147421 | AGGREGATION OF AUTOMATED TELLER MACHINE (ATM) DEVICE-RELATED INFORMATION AND/OR FACTOR-BASED SELECTION OF AN ATM DEVICE | 05-16-2019 |
20190147422 | AUTOMATED TRANSACTION MACHINE, COMMUNICATION TERMINAL, AUTOMATED TRANSACTION SYSTEM, AND PROGRAM | 05-16-2019 |
20190147423 | MONEY HANDLING SYSTEM | 05-16-2019 |
20220138746 | COMPUTER-BASED SYSTEMS CONFIGURED TO PROVIDE MULTIMODAL ATM ACCESS VIA MOBILE DEVICES AND METHODS OF USE THEREOF - Systems and methods of providing multimodal ATM accessibility are disclosed. In one embodiment, an exemplary computer-implemented method may comprise detecting a presence of a wireless device of a user in proximity to the ATM; establishing a communication session between the ATM and the wireless device based on a session key; instructing an app to provide a first graphical user interface (GUI) to the user; authenticating the user for access to the user account at the wireless device based at least on the entered account login information; and commencing, in response to successful authentication of the user, an ATM transaction session for the user by instructing the app to provide a second GUI to the user at the wireless device, the second GUI comprising one or more GUI elements operable by the user to perform one or more ATM transactions with the user account at the wireless device. | 05-05-2022 |
20220141218 | SYSTEMS AND METHODS FOR SMARTCARD BIOMETRIC ENROLLMENT - Systems, methods, and non-transitory computer readable media relate to smartcard biometric enrollment. In an embodiment that does not require a user to visit a central location to provide fingerprint images, an activation code corresponding to a unique ID that uniquely identifies a user of a service is generated and sent to the user. In response, at least one finger image is received from a user device. The image is processed to isolate a fingerprint image, which is used to generate a biometric template that is sent to a smartcard manufacturer and used to configure a smartcard for biometric authentication of the user. In another embodiment, a kiosk/ATM provides smartcard biometric enrollment by detecting a smartcard in the smartcard reader, verifying an ID of a user associated with the smartcard, capturing a biometric image from the user, processing the biometric image to generate a biometric template, and storing the biometric template on the smartcard. | 05-05-2022 |