A pusher plate stacking bin apparatus is provided for a valuable media depository. The apparatus comprising a pusher plate driven by a rack and pinion apparatus to stack a media item that is in a final position within the apparatus onto a media stacking platform. The media item is urged into the final position such that a trailing edge of the media item overhangs and rests on a fixed media guide and such that a leading edge of the media item overhangs and rests on a hinged media guide with a bottom surface of the media item elevated above the media stacking platform. The rack and pinion apparatus drives the plate past the media guides causing the hinged media guide to drop and the media item to fold along the leading edge as the media item is stacked onto the platform.
B65H 29/46 - Members reciprocated in rectilinear path
B65H 31/10 - Pile receivers with movable end support arranged to recede as pile accumulates the articles being piled one above another and applied at the top of the pile
B65H 83/02 - Combinations of piling and depiling operations, e.g. performed simultaneously, of interest apart from the single operation of piling or depiling performed on the same pile
G07D 11/13 - Containers for valuable papers with internal means for handling valuable papers
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
A system and method of data extraction is disclosed. An image file of a scan of a printed information list is received at a server via a network connection. When not in portable document format, the received image file is processed with an optical character recognition (OCR) engine at the server to identify all text therein and then the processed image file is stored in a memory. When in portable document format, the image file is processed using metadata and positional data at the server to generate sentences; process the sentences to identify prices, descriptions, items, and categories; link each identified item to an associated price, description, and category; and extract and link all modifiers from identified description, and then all identified and extracted information is stored in memory. A user interface is provided to a user via the server for graphically visualizing and editing a stored processed file.
A method and apparatus are disclosed for removing one item of media at a time from an item of media container. The apparatus includes a movable element locatable in an abutting relationship with an elected item of media in a media container and disposed to vibrating against the elected item of media to permit the elected item of media to be subsequently be removed alone from the container.
Disclosed herein are systems and methods for interacting with a consumer ledger. The systems and methods include: receiving a copy of the consumer ledger from one of a plurality of miners; adding a transaction to the consumer ledger; and transmitting the consumer ledger to the plurality of miners for conformation.
Examples of a system and method for transacting media at a self-service terminal (SST), are generally described. A method may include receiving a PIN on a user interface component of a media interface aperture cover. The method may include causing the media interface aperture cover to retract to dispense or receive media through a media interface aperture.
G06Q 20/10 - Payment architectures specially adapted for home banking systems
G06K 7/10 - Methods or arrangements for sensing record carriers by corpuscular radiation
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G07F 7/10 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card together with a coded signal
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
Payment card slot tampering at a transaction terminal is detected in real time. One or more images from one or more cameras are analyzed. The camera(s) is/are focused overhead of the terminal on an area adjacent to and in front of a card slot for a card reader of the terminal. The images are analyzed for determining whether hands of arms for an operator of the terminal are performing actions that indicate the operator may be attempting to install a card skimmer/shimmer into the card slot and/or attempting to remove an existing skimmer/shimmer from the card slot. When card slot tampering event is detected at the terminal a variety of automated actions are processed, such as shutting down the card reader, shutting down the terminal, confiscating any payment card inserted into the card slot, notifying a financial institution, and/or notifying legal authorities.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G06V 20/52 - Surveillance or monitoring of activities, e.g. for recognising suspicious objects
G06V 40/10 - Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
G06V 40/20 - Movements or behaviour, e.g. gesture recognition
7.
MONITORING AND PREDICTING PHYSICAL FORCE ATTACKS ON TRANSACTION TERMINALS
Visual features of a vehicle, a vehicle's orientation with respect to a transaction terminal, and an individual associated with the vehicle are derived from video captured of the terminal and a surrounding area of the terminal. Additional information associated with brute force attacks in a location associated with the terminal are obtained as additional features. The visual features and the additional features are provided as input to a trained Machine-Learning Model (MLM) and the MLM provides as output a confidence value representing a prediction as to whether the current vehicle and the current individual are potentially about to engage in a brute force attack on the terminal. When the confidence value exceeds a threshold value, enhanced feature detection is enabled on the video, external systems are notified, and an incident packet of information is assembled.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G06V 10/75 - Image or video pattern matching; Proximity measures in feature spaces using context analysis; Selection of dictionaries
G06V 20/40 - Scenes; Scene-specific elements in video content
G06V 20/62 - Text, e.g. of license plates, overlay texts or captions on TV images
8.
ANTICIPATORY AND REMOTE-CONTROLLED MEDIA MANAGEMENT
A media level of each Self-Service Terminal (SST) within a customized group of SSTs are managed in real time based on a current media level and a predicted optimal media level for each SST over a given period of time. During management, depositors are proactively steered away from media heavy SSTs to media deficient SSTs within the group. Any given SST of the group may have deposits temporarily disabled based on real-time instruction. Depositors that are being redirected may be incentivized to encourage the depositors to deposit at the cash deficient SSTs of the group.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
9.
MEDIA APERTURE PROTECTION FOR MEDIA HANDLING DEVICES
A shutter module of a media handling device is provided. The module includes a shutter blade and a fan. The shutter blade includes a hollow interior compartment designed to house air pumped into the compartment by the fan and to expel the air out through a vent in the blade when the blade is in an open position. The expelled air creates an air shield with the air being directed away from an aperture to prevent debris from entering the aperture when the blade is opened. The blade, when a closed position, covers the aperture sealing and protecting a media deposit/dispense slot of the media handling device from access. In an embodiment, the fan is continuously pumping air into the compartment when the blade is in the open position to expel the air out the vent and when the blade is in the closed position to keel the compartment pressurized.
Current temperatures for an enclosure of a media handling device are monitored and managed using threshold temperature values. When a current temperature deviates below a threshold temperature value, commands are sent to modules of the device to start and idle their motors causing heat to be generated from current flowing to the motors. The heat radiates within the enclosure raising the current temperature. When the current temperature reaches a second threshold temperature value for the enclosure, second commands are sent to the modules of the device to stop idling their motors causing heat within the enclosure to dissipate and lowering the current temperature for the enclosure.
Interesting features of an object within a physical environment are identified from a video of the physical environment. A model of the object is obtained, the model includes dimensions of the object. A first array is maintained with the pixel coordinates of the identified features within the video. A second array is maintained with the dimensions of the features obtained from the model. A processing framework is provided for using the first and second arrays and estimating, updating, and tracking the anchor pose in the physical environment within the video along with any AR generated objects placed in the video. The framework provided to an Augmented Reality (AR) app to initiate an AR session and to maintain the session.
A fiat currency transaction is assured with cryptocurrency collateral. The fiat transaction workflow is modified to perform an out-of-band workflow during which one of the parties to the fiat transaction provides a verifiable blockchain (BC) wallet-to-wallet transfer command to move cryptocurrency in a collateralized amount from a wallet of the party to a wallet associated with the other party. The command is not submitted to the BC and is held in abeyance by a cloud service until there is assurance of no fraud at which time the command is deleted. If fraud is reported, the command is sent to the BC for execution and the defrauded party receives the collateralized amount in a wallet associated with the defrauded party.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Images captured for components of a device are monitored for changes by evaluating a first region of interest in the images. Periodically, a command is sent to the device to move one or more of the components to a known position or state. A certain component or set of components associated with being moved based on the command is evaluated in a second region of interest in the images to determine if the corresponding component or set of components is in the known position or state within the images. When the corresponding component or set of components is not identified from the images in the known position or state, a security alert is raised for the device and security operations are processed on the host device.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
Event streams of terminals for a given interval of time are preprocessed to label event types and label predefined time-based or sequence-based patterns associated with terminal power supply unit (PSU) failures. The labeled event streams are provided as input to a trained machine-learning model (MLM), which outputs a score for each terminal representing a likelihood that the corresponding terminal is or is not going to experience a PSU failure. In an embodiment, each score is compared against one or more threshold values and each terminal is classified as low risk, medium risk, or high risk of a PSU failure. In an embodiment, the scores and/or the classifications for the terminals are reported to an enterprise associated with the terminals at predefined intervals of time.
Disclosed are display systems for self-service terminals. The display systems may include a display panel, a first transparent material and a second transparent material. The second transparent material may be located in between the first transparent material and the display panel. The first transparent material may have a first thermal conductivity and the second transparent material may have a second thermal conductivity. The second thermal conductivity may be greater than the first thermal conductivity.
H05K 7/20 - Modifications to facilitate cooling, ventilating, or heating
G02B 1/02 - Optical elements characterised by the material of which they are made; Optical coatings for optical elements made of crystals, e.g. rock-salt, semiconductors
G02B 7/00 - Mountings, adjusting means, or light-tight connections, for optical elements
A card reader prevents a magnetic read head of the card reader from being able to read a magnetic strip of a card and forces the card reader to read card data from an embedded chip of the card instead of the magnetic strip. An electromagnetic noise interference signal is generated and is maintained within the card reader. The signal prevents a magnetic read head of the card reader and any skimmer present within the card reader from reading the magnetic strip of the card. In an embodiment, the signal is generated and maintained as long as the card reader is powered on. In an embodiment, the signal is generated when at least one sensor of the card reader detects a presence of the card proximate to a card slot of the card reader, within the card slot, or within the card reader adjacent to the magnetic read head.
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
A host device includes surface mount conductive pads on a printed circuit board (PCB) for external peripheral communications. Conductive ink is printed on the conductive pads with a base member is printed over the conductive ink. Three-dimensional (3D) conductive wires are printed on the base member and extend along a housing to a new external port. Conductive ink is printed with a second base member and terminating ends of the wires are printed on the front of the base member establishing the new peripheral port for the host device. A peripheral device includes its own surface mount conductive pads which when aligned and brought into contact with the external port of the host device permits the host device and the peripheral device to establish a wired connection with one another without cables, without cable harnesses, and without port connectors.
H05K 1/09 - Use of materials for the metallic pattern
H05K 1/11 - Printed elements for providing electric connections to or between printed circuits
H05K 1/14 - Structural association of two or more printed circuits
H05K 1/18 - Printed circuits structurally associated with non-printed electric components
H05K 3/12 - Apparatus or processes for manufacturing printed circuits in which conductive material is applied to the insulating support in such a manner as to form the desired conductive pattern using printing techniques to apply the conductive material
18.
CORRUGATING ROLLERS APPARATUS AND METHOD FOR A MEDIA STORAGE BIN IN A SELF-SERVICE TERMINAL
A self-service terminal, apparatus, and method for corrugating received media items is disclosed. A bin is provided for storing media items. A pathway selectively conveys a received media item to the bin. An apparatus that include as set of paired corrugating drive rollers is mounted in the pathway for creasing the received media item as it is conveyed to the bin. The set of paired corrugating drive rollers has a plurality of first corrugating rollers mounted in a spaced apart fashion on a common shaft, each of the first corrugating rollers having an outwardly facing rounded-V profile, and a plurality of second corrugating rollers mounted in a spaced apart fashion on a common shaft, each of the second corrugating rollers having an inwardly facing slot. Each of the plurality of first corrugating rollers is positioned adjacent to a corresponding one of the plurality of second corrugating rollers.
Disclosed are systems and methods for detecting a skimmer located proximate a card reader of a self-service terminal (SST). The systems and methods may include obtaining a baseline measurement for a plurality of sensors located proximate the card reader and activating a subset of the plurality of sensors. A signal may be received from each of the subset of the plurality of sensors that were activated. When the signal from each of the subset of the plurality of sensors deviate from the baseline measurement by a predetermined threshold, a determination may be made that the skimmer is proximate the card reader. In response to determining that the skimmer is located proximate the card reader, the self-service terminal may be disabled.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
A dual antiphase read-head arranged card reader is provided. The card reader includes a first read-head arrangement and a second read-head arrangement. Electromagnetic noise is applied to both the first and second arrangements. Waves associated with the electromagnetic noise on the second arrangement is transformed and applied to the first arrangement canceling the noise on a first read head of the first arrangement. The first read head reads magnetically encoded information on a magnetic strip of a card inserted into a card slot of the card reader free of noise. However, the noise remains present such that any skimmer read head of a skimmer inserted into the card slot is unable to read the magnetically encoded information off the magnetic strip of the card.
One embodiment is a safe including an outer wall formed of a metal, an inner wall formed of the metal, and a coarse aggregate and fill material filling a gap between the outer and inner walls. The fill material, such as a metal or thermoplastic with a melting point lower than the metal of the inner and outer walls.
A seller of blockchain-based media of value for fiat currency is matched to a buyer of the blockchain-based media of value. Terms or conditions of a transaction are agreed to between the parties. A transaction identifier for the transaction is created and blockchain-based media of value of the seller is obtained from the seller's wallet. Instructions for a smart contract are created; the smart contract controls release of the blockchain-based media of value based on its terms. The buyer visits a Self-Service Terminal (SST) deposits fiat currency in an amount dictated by the terms and the SST verifies the deposit and notifies the smart contract. The instructions of the smart contract cause the crypto currency to be transferred to the seller's wallet. The deposited fiat currency can be withdrawn at an SST by the seller or credited automatically to a financial account associated with the seller.
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
A system for detecting mounting of a card skimmer at an automated teller machine receives detection data from sensors. The system converts the detection data from the time domain to the frequency domain using a wavelet transform to generate a wavelet matrix of coefficients. The system includes a convolutional neural network model to identify features in the wavelet matrix. The system generates a rain alert signal based on the identified features. The system includes a long short-term memory recurrent neural network model to determine a sequence of (i) an idle state, (ii) a hand approach state, and (iii) a card skimmer mounting state based on the detection data. The system generates a tamper alert signal based on the sequence determination.
A terminal and associated method is provided for dispensing a non-volatile memory storage device for storing user private information to a user. A device dispenser securely stores private information on a removable non-volatile memory storage device and then dispenses the removable non-volatile memory storage device to the user. A processor provides a user interface to the user, provides the user with access to a source of user private information via the user interface, receives the user private information from the source, and transfers the received user private information to the device dispenser for storage on the removable non-volatile memory storage device. The source may be a remote website for a cryptocurrency exchange. The user private information may be information, such as public and private keys, representing cryptocurrency ownership. The non-volatile memory storage device may be a cold wallet storage device.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
25.
SYNTHETIC BANKNOTE DATA GENERATION USING A GENERATIVE ADVERSARIAL NETWORK WITH SPATIALLY COMPOSITED MULTISPECTRAL DATA
A method for generating synthetic banknotes requires that a multispectral image be generated from a sample banknote. The multispectral image is processed to create a training image in a two-dimensional space. A generative adversarial network is trained using the training image. Synthetic banknotes are generated by seeding the trained generative adversarial network with random data. The synthetic banknotes may then be used to generate a banknote template for a currency validator.
Systems, machines, methods, and computer-readable media are disclosed for detecting an event at a self-checkout (SCO) machine, determining that the event is an item-identifying event, triggering capture of image data of the item identified by the item-identifying event responsive to detecting the event and/or responsive to determining that the event is an item-identifying event, and generating enhanced item identification data that associates the captured image data with identifying information of the item. The enhanced item identification data may be stored in one or more datastores, which may include a local datastore in a retail environment in which a self-checkout machine is located or a remote datastore such as cloud-based data storage.
A bin for storing rejected media items at a self-service terminal such as an automated teller machine has an input channel for receiving a sequential series of media items such as checks or bank notes. Opposing driven rollers receive the sequential series of media items via the input channel and push out each of the sequential series of media items into an output channel. A storage receptacle receives each of the sequential series of media items pushed out by the opposing driven rollers via the output channel. The storage receptacle has an annular-shaped storage cavity formed by an inner cylindrical wall and an outer wall. The outer wall is at least partially cylindrical and optionally includes a plurality of ramp-like protrusions on an inner surface thereof which aid in preventing input jams at the storage receptacle.
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
35 - Advertising and business services
36 - Financial, insurance and real estate services
37 - Construction and mining; installation and repair services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer hardware, including, general purpose computers, servers, communications and networking systems, keyboards, display terminals, printers, proofing and encoding systems comprised of hardware and utility software; computer software, including, application development tools, drivers, utilities, cache optimization, inventory tracking, diagnostic, electronic messaging, process management, transaction management and multimedia for use therewith and related instructional manuals sold in connection therewith for self-service terminals, including automated teller machines and interactive teller machines; security devices for self-service terminals, including automated teller machines and interactive teller machines, namely, devices that detect electronic card reading devices, card-trapping devices, and cash-trapping devices inserted by fraudsters, devices which deposit ink on fraudulently obtained cash rendering the cash un-useable; electronic devices that inhibit removal of automated teller machines; electronic devices that inhibit breach of automated teller machine safes; GPS monitoring devices that report automated teller machine locations; Self-service terminals, including automated teller machines and interactive teller machines; downloadable mobile applications for banking services, including crypto-currency services; downloadable computer application software for mobile phones, including, software for banking services, including crypto-currency services; downloadable software for storing, sorting, and retrieving data and information and for preparing reports in the fields of banking and financial services, including crypto-currency services; computer software for use in banking, financial services, crypto-currency, including, downloadable software for accessing and conducting electronic banking services via global computer networks and telecommunication networks; downloadable software enabling banking customers to transmit payment and collection orders directly and automatically accept account reconciliation information from the bank; downloadable software for use in connection with electronic funds transfers. Printed matter, printed publications, instructional manual, books, manuals, magazines, brochures, leaflets, periodicals, instructional and teaching materials, and paper for printed and pre-printed receipts, all relating to computer hardware and software for financial transactions conducted at self-service terminals, including automated teller machines and interactive teller machines, and on mobile applications for banking services. Inventory and asset management for others in the field of financial transactions conducted at self-service terminals, including automated teller machines and interactive teller machines, including cash and business consumables, namely, replenishment, storage, ordering and reporting services for paper for receipts, toner cartridges, ink cartridges for computers for transactional self-service terminals, including automated teller machines and interactive teller machines. Financial services for self-service terminals, including automated teller machines and interactive teller machines for banking and cash management, namely processing electronic financial transactions, issuing prepaid debit cards, electronic funds transfer services and currency exchange services, cash advance transactions when a transaction is initiated at the self-service terminal and cash is withdrawn from the self-service terminals; balance inquiry transactions when a transaction is initiated at the self-service terminals, and bill payment services when a transaction is initiated at a self-service terminals to establish a fund transfer to a third party; electronic payments services, including, processing and transmission of bill payment data; cash management services; Financial services for self-service terminals, including automated teller machines and interactive teller machines; services including cash disbursement services and cash and check deposit services; debit card transaction authorization and settlement processing services, including, settlement of customer funds between financial institutions participating in an automated teller machine network; credit card and check authorization and processing services; processing balance inquiry transactions using a self-service terminal, including an automated teller machine and interactive teller machine, to provide requested bank account information; financial services, including, providing surcharge-free withdrawals of cash from self-service terminals including automated teller machines and interactive teller machines; providing self-service terminal, including automated teller machine and interactive teller machine, banking services and related banking consultation and advisory services; consulting services related to all the aforesaid services. Installation, repair and maintenance services for transactional self-service terminals, including automated teller machines and interactive teller machines. Educational services, including, conducting computer-based training courses and classes, seminars and workshops in the field of computer software, database and operating systems, programming, operation, and application development for conducting financial transactions at self-service terminals, including automated teller machines and interactive teller machines and on mobile applications for banking services. Consultation in the field of computers, including, application development, assessing and evaluating customer requirements including hardware and software for self-service terminals, including automated teller machines and interactive teller machines and on mobile applications for banking services; software as a service (SaaS) services, including cloud based services, featuring software for managing and processing financial and payment transactions at a self-service terminals, including automated teller machines and interactive teller machines, and on mobile applications for banking services; maintenance of computer software for self-service terminals, including automated teller machines and interactive teller machines, and for mobile applications for banking services.
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
35 - Advertising and business services
36 - Financial, insurance and real estate services
37 - Construction and mining; installation and repair services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Computer hardware, namely, general purpose computers, servers, communications and networking systems, keyboards, display terminals, printers, proofing and encoding systems comprised of hardware and utility software, computer software, namely, application development tools, networking, operating, database management, drivers, utilities, cache optimization, inventory tracking, diagnostic, electronic messaging, process management, transaction management and multimedia for use therewith and related instructional manuals sold in connection therewith for self-service terminals, including automated teller machines and interactive teller machines; security devices for self-service terminals, including automated teller machines and interactive teller machines, namely, devices that detect electronic card reading devices, card-trapping devices, and cash-trapping devices inserted by fraudsters, devices which deposit ink on fraudulently obtained cash rendering the cash un-useable, electronic devices that inhibit removal of automated teller machines, electronic devices that inhibit breach of automated teller machine safes, and GPS monitoring devices that report automated teller machine locations. Self-service terminals, including automated teller machines and interactive teller machines; downloadable mobile applications for banking services, including crypto-currency services; downloadable computer application software for mobile phones, namely, software for banking services, including crypto-currency services; downloadable software for storing, sorting, and retrieving data and information and for preparing reports in the fields of banking and financial services, including crypto-currency services; computer software for use in banking, financial, crypto-currency, namely, downloadable software for accessing and conducting electronic banking services via global computer networks and telecommunication networks; downloadable software enabling banking customers to transmit payment and collection orders directly and automatically accept account reconciliation information from the bank; downloadable software for use in connection with electronic funds transfers.
(2) Printed matter, printed publications, instructional manual, books, manuals, magazines, brochures, leaflets, periodicals, instructional and teaching materials, and paper for printed and pre-printed receipts, all relating to computer hardware and software for financial transactions conducted at self-service terminals, including automated teller machines and interactive teller machines, and on mobile applications for banking services (1) Inventory and asset management for others in the field of financial transactions conducted at self-service terminals, including automated teller machines and interactive teller machines, including cash and business consumables, namely, replenishment, storage, ordering and reporting services for paper for receipts, toner cartridges, ink cartridges for computers for transactional self-service terminals, including automated teller machines and interactive teller machines
(2) Financial services for self-service terminals, including automated teller machines and interactive teller machines for banking and cash management, namely processing electronic financial transactions, issuing prepaid debit cards, electronic funds transfer services and currency exchange services, cash advance transactions when a transaction is initiated at the self-service terminal and cash is withdrawn from the self-service terminals; balance inquiry transactions when a transaction is initiated at the self-service terminals, and bill payment services when a transaction is initiated at a self-service terminals to establish a fund transfer to a third party; electronic payments services, namely, processing and transmission of bill payment data; cash management services; self-service terminal, including automated teller machines and interactive teller machines; services including cash disbursement services and cash and check deposit services; debit card transaction authorization and settlement processing services, namely, settlement of customer funds between financial institutions participating in an automated teller machine network; credit card and check authorization and processing services; processing balance inquiry transactions using a self-service terminal, including an automated teller machine and interactive teller machine, to provide requested bank account information; financial services, namely, providing surcharge-free withdrawals of cash from self-service terminals including automated teller machines and interactive teller machines; providing self-service terminal, including automated teller machine and interactive teller machine, banking services and related banking consultation and advisory services; consulting services related to all the aforesaid services
(3) Installation, repair and maintenance services for transactional self-service terminals, including automated teller machines and interactive teller machines
(4) Educational services, namely, conducting computer-based training courses and classes, seminars and workshops in the field of computer software, database and operating systems, programming, operation, and application development for conducting financial transactions at self-service terminals, including automated teller machines and interactive teller machines and on mobile applications for banking services
(5) Consultation in the field of computers, namely, application development, assessing and evaluating customer requirements including hardware and software for self-service terminals, including automated teller machines and interactive teller machines and on mobile applications for banking services. Software as a service (SaaS) services, including cloud based services, featuring software for managing and processing financial and payment transactions at a self-service terminals, including automated teller machines and interactive teller machines, and on mobile applications for banking services. Maintenance of computer software for self-service terminals, including automated teller machines and interactive teller machines, and for mobile applications for banking services
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
35 - Advertising and business services
36 - Financial, insurance and real estate services
37 - Construction and mining; installation and repair services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Computer hardware, namely, general purpose computers, servers, self-service terminals, including point-of-sale terminals, communications and networking systems, keyboards, display terminals, printers, change dispensing machines, proofing and encoding systems comprised of hardware and utility software, document scanners, bar code scanners, product weight scales; computer software, namely, application development tools, networking, operating, database management, drivers, utilities, cache optimization, inventory tracking, diagnostic, electronic messaging, process management, transaction management and multimedia for use therewith and related instructional manuals sold in connection therewith; computer software for use in processing point-of-sale transactions, for use in management of retail operations, for integrating multiple sales channels, namely, retail stores, internet, mobile applications and mobile devices, for systems monitoring, diagnostics and configuration management. Self-service terminals, including point-of-sale terminals, for electronic transactions in a financial environment, including cash, credit, and debit transactions; cash registers
(2) Printed matter, printed publications, instructional manual, books, manuals, magazines, brochures, leaflets, periodicals, instructional and teaching materials, and paper for printed and pre-printed receipts, all relating to computer hardware and software for transactions conducted at point-of-sale terminals and on mobile applications for banking services (1) Inventory management for others in the field of office supplies and business consumables; asset management services, namely, analysis, design, implementation and administration of an asset management program; network and systems management services; the aforesaid services relating to management of retail operations, including retails store and hospitality providers, and point-of-sale transactions
(2) Financial services, namely, banking services, financial transaction processing services, including point-of-sale transaction processing, credit card and check authorization and processing services, electronic payments services, namely, processing and transmission of bill payment data; cash management services; point-of-sale electronic funds transfer services; consulting services related to all of the aforesaid services
(3) Installation, repair and maintenance services for point-of-sale terminals, including document scanners, bar code scanners, and product weight scales
(4) Educational services, namely, conducting computer-based training courses and classes, seminars and workshops in the field of computer software, database and operating systems, programming, operation, and application development for conducting financial transactions at point-of-sale terminals and on mobile applications for banking services
(5) Consultation in the field of computers, namely, application development, assessing and evaluating customer requirements including hardware and software for point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and on mobile applications for banking services. Software as a service (SaaS) services, including cloud based services, featuring software for managing and processing financial and payment transactions at a point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and on mobile applications for banking services. Maintenance of computer software for point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and for mobile applications for banking services
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
35 - Advertising and business services
36 - Financial, insurance and real estate services
37 - Construction and mining; installation and repair services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Computer hardware, namely, general purpose computers, servers, self-service terminals, including point-of-sale terminals, communications and networking systems, keyboards, display terminals, printers, change dispensing machines, proofing and encoding systems comprised of hardware and utility software, document scanners, bar code scanners, product weight scales; computer software, namely, application development tools, networking, operating, database management, drivers, utilities, cache optimization, inventory tracking, diagnostic, electronic messaging, process management, transaction management and multimedia for use therewith and related instructional manuals sold in connection therewith; computer software for use in processing point-of-sale transactions, for use in management of retail operations, for integrating multiple sales channels, namely, retail stores, internet, mobile applications and mobile devices, for systems monitoring, diagnostics and configuration management. Self-service terminals, including point-of-sale terminals, for electronic transactions in a financial environment, including cash, credit, and debit transactions; cash registers
(2) Printed matter, printed publications, instructional manual, books, manuals, magazines, brochures, leaflets, periodicals, instructional and teaching materials, and paper for printed and pre-printed receipts, all relating to computer hardware and software for transactions conducted at point-of-sale terminals and on mobile applications for banking services (1) Inventory management for others in the field of office supplies and business consumables; asset management services, namely, analysis, design, implementation and administration of an asset management program; network and systems management services; the aforesaid services relating to management of retail operations, including retails store and hospitality providers, and point-of-sale transactions
(2) Financial services, namely, banking services, financial transaction processing services, including point-of-sale transaction processing, credit card and check authorization and processing services, electronic payments services, namely, processing and transmission of bill payment data; cash management services; point-of-sale electronic funds transfer services; consulting services related to all of the aforesaid services
(3) Installation, repair and maintenance services for point-of-sale terminals, including document scanners, bar code scanners, and product weight scales
(4) Educational services, namely, conducting computer-based training courses and classes, seminars and workshops in the field of computer software, database and operating systems, programming, operation, and application development for conducting financial transactions at point-of-sale terminals and on mobile applications for banking services
(5) Consultation in the field of computers, namely, application development, assessing and evaluating customer requirements including hardware and software for point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and on mobile applications for banking services. Software as a service (SaaS) services, including cloud based services, featuring software for managing and processing financial and payment transactions at a point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and on mobile applications for banking services. Maintenance of computer software for point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and for mobile applications for banking services
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
35 - Advertising and business services
36 - Financial, insurance and real estate services
37 - Construction and mining; installation and repair services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer hardware, namely, general purpose computers, servers, self-service terminals, including point-of-sale terminals, communications and networking systems, keyboards, display terminals, printers, change dispensing machines, proofing and encoding systems comprised of hardware and utility software, document scanners, bar code scanners, product weight scales; computer software, namely, application development tools, networking, operating, database management, drivers, utilities, cache optimization, inventory tracking, diagnostic, electronic messaging, process management, transaction management and multimedia for use therewith and related instructional manuals sold in connection therewith; computer software for use in processing point-of-sale transactions, for use in management of retail operations, for integrating multiple sales channels, namely, retail stores, internet, mobile applications and mobile devices, for systems monitoring, diagnostics and configuration management, Self-service terminals, including point-of-sale terminals, for electronic transactions in a financial environment, including cash, credit, and debit transactions; cash registers. Printed matter, printed publications, instructional manual, books, manuals, magazines, brochures, leaflets, periodicals, instructional and teaching materials, and paper for printed and pre-printed receipts, all relating to computer hardware and software for transactions conducted at point-of-sale terminals and on mobile applications for banking services. Inventory management for others in the field of office supplies and business consumables; business network and systems management services; the aforesaid services relating to management of retail operations, including retails store and hospitality providers, and point-of-sale transactions. Financial services, namely, banking services, financial transaction processing services, including point-of-sale transaction processing, credit card and check authorization and processing services, electronic payments services, namely, processing and transmission of bill payment data; cash management services; point-of-sale electronic funds transfer services; asset management services, namely, analysis, design, implementation and administration of an asset management program; consulting services related to all of the aforesaid services. Installation, repair and maintenance services for point-of-sale terminals, including document scanners, bar code scanners, and product weight scales. Educational services, namely, conducting computer-based training courses and classes, seminars and workshops in the field of computer software, database and operating systems, programming, operation, and application development for conducting financial transactions at point-of-sale terminals and on mobile applications for banking services. Consultation in the field of computers, namely, application development, assessing and evaluating customer requirements including hardware and software for point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and on mobile applications for banking services; Software as a service (SaaS) services, including cloud based services, featuring software for managing and processing financial and payment transactions at a point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and on mobile applications for banking services; Maintenance of computer software for point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and for mobile applications for banking services.
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
35 - Advertising and business services
36 - Financial, insurance and real estate services
37 - Construction and mining; installation and repair services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer hardware, namely, general purpose computers, servers, self-service terminals, including point-of-sale terminals, communications and networking systems, keyboards, display terminals, printers, change dispensing machines, proofing and encoding systems comprised of hardware and utility software, document scanners, bar code scanners, product weight scales; computer software, namely, application development tools, networking, operating, database management, drivers, utilities, cache optimization, inventory tracking, diagnostic, electronic messaging, process management, transaction management and multimedia for use therewith and related instructional manuals sold in connection therewith; computer software for use in processing point-of-sale transactions, for use in management of retail operations, for integrating multiple sales channels, namely, retail stores, internet, mobile applications and mobile devices, for systems monitoring, diagnostics and configuration management, Self-service terminals, including point-of-sale terminals, for electronic transactions in a financial environment, including cash, credit, and debit transactions; cash registers. Printed matter, printed publications, instructional manual, books, manuals, magazines, brochures, leaflets, periodicals, instructional and teaching materials, and paper for printed and pre-printed receipts, all relating to computer hardware and software for transactions conducted at point-of-sale terminals and on mobile applications for banking services. Inventory management for others in the field of office supplies and business consumables; business network and systems management services; the aforesaid services relating to management of retail operations, including retails store and hospitality providers, and point-of-sale transactions. Financial services, namely, banking services, financial transaction processing services, including point-of-sale transaction processing, credit card and check authorization and processing services, electronic payments services, namely, processing and transmission of bill payment data; cash management services; point-of-sale electronic funds transfer services; asset management services, namely, analysis, design, implementation and administration of an asset management program; consulting services related to all of the aforesaid services. Installation, repair and maintenance services for point-of-sale terminals, including document scanners, bar code scanners, and product weight scales. Educational services, namely, conducting computer-based training courses and classes, seminars and workshops in the field of computer software, database and operating systems, programming, operation, and application development for conducting financial transactions at point-of-sale terminals and on mobile applications for banking services. Consultation in the field of computers, namely, application development, assessing and evaluating customer requirements including hardware and software for point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and on mobile applications for banking services; Software as a service (SaaS) services, including cloud based services, featuring software for managing and processing financial and payment transactions at a point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and on mobile applications for banking services; Maintenance of computer software for point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and for mobile applications for banking services.
A system and method is described for detecting a foreign object inserted into a card reader. The card reader has a housing having an internal portion and a card entry slot formed therein. A reader device for reading information from a card is mounted within the internal portion of the housing. A transport mechanism is within the internal portion of the housing and includes a structure having one or more distinctive patterns on an upper surface thereof. A camera is mounted within the housing above the transport mechanism in a position to allow an image to be taken of the upper surface of the structure of the transport mechanism. A controller is coupled to the camera to receive images therefrom and configured to compare each image received from the camera to a reference image to determine when a foreign object has been inserted into the internal portion of the housing.
A cloud-based service creates and maintains custodial digital wallets for parties to value transfers. Each wallet funded by the corresponding party with cryptocurrency and/or a fiat currency. The cloud-based service provides value transfers between two parties having custodial wallets without any on-chain blockchain operations making such transfers nearly instantaneous. The cloud-based service also provides transfers between one party with a custodial wallet and another party without a custodial wallet by using a liquidity wallet and/or a liquidity account to perform the transfers nearly instantaneously and by initiating any needed blockchain operations on the blockchain to properly reflect any debit or redemption made from the liquidity wallet on the blockchain.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
A system and method for operating a terminal such as an automated teller machine or other type of self-service terminal having a primary partition of a hard disk encrypted with a disk encryption key (DEK). At the initial installation and after every boot, a pre-boot manager encrypts the DEK with a new key encryption key (KEK) and then splits the encrypted DEK into a plurality of encrypted DEK parts. The pre-boot manager next stores the plurality of encrypted DEK parts in randomized storage locations on an unallocated portion of a hard disk and encrypts a list of the randomized storage locations of the plurality of encrypted DEK parts with the KEK and storing the encrypted list in a location on the unallocated portion of the hard disk. Finally, the pre-boot manager stores the KEK, optionally in an obfuscated format, in a location on the unallocated portion of the hard disk.
G06F 21/57 - Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities
Payment card slot tampering at a transaction terminal is detected in real time. One or more images from one or more cameras are analyzed. The camera(s) is/are focused overhead of the terminal on an area adjacent to and in front of a card slot for a card reader of the terminal. The images are analyzed for determining whether hands of arms for an operator of the terminal are performing actions that indicate the operator may be attempting to install a card skimmer/shimmer into the card slot and/or attempting to remove an existing skimmer/shimmer from the card slot. When card slot tampering event is detected at the terminal a variety of automated actions are processed, such as shutting down the card reader, shutting down the terminal, confiscating any payment card inserted into the card slot, notifying a financial institution, and/or notifying legal authorities.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G06V 20/52 - Surveillance or monitoring of activities, e.g. for recognising suspicious objects
G06V 40/20 - Movements or behaviour, e.g. gesture recognition
G06V 40/10 - Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
Cash trapping at an Automated Teller Machine (ATM) is detected in real time. One or more images from one or more cameras are analyzed. The camera(s) is/are focused overhead of the ATM or on a cash slot of a dispense module for the ATM. The images are analyzed for determining one or more of whether the dispenser module is authentic, whether the cash slot opened or did not open when it should have opened for a cash withdraw, whether visual features of the dispense module have changed over a configurable period of time, and whether hands, gestures, and actions of a person present at the ATM indicate that cash trapping is taking place at the ATM. When cash trapping is detected at the ATM a variety of automated actions are processed, such as shutting down the dispense module, shutting down the ATM, notifying a financial institution, and/or notifying legal authorities.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
39.
Monitoring and predicting physical force attacks on transaction terminals
Visual features of a vehicle, a vehicle's orientation with respect to a transaction terminal, and an individual associated with the vehicle are derived from video captured of the terminal and a surrounding area of the terminal. Additional information associated with brute force attacks in a location associated with the terminal are obtained as additional features. The visual features and the additional features are provided as input to a trained Machine-Learning Model (MLM) and the MLM provides as output a confidence value representing a prediction as to whether the current vehicle and the current individual are potentially about to engage in a brute force attack on the terminal. When the confidence value exceeds a threshold value, enhanced feature detection is enabled on the video, external systems are notified, and an incident packet of information is assembled.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G06V 20/62 - Text, e.g. of license plates, overlay texts or captions on TV images
G06V 20/40 - Scenes; Scene-specific elements in video content
G06V 10/75 - Image or video pattern matching; Proximity measures in feature spaces using context analysis; Selection of dictionaries
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
35 - Advertising and business services
36 - Financial, insurance and real estate services
37 - Construction and mining; installation and repair services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Computer hardware, namely, general purpose computers, servers, communications and networking systems, keyboards, display terminals, printers, proofing and encoding systems comprised of hardware and utility software, computer software, namely, application development tools, networking, operating, database management, drivers, utilities, cache optimization, inventory tracking, diagnostic, electronic messaging, process management, transaction management and multimedia for use therewith and related instructional manuals sold in connection therewith for self-service terminals, including automated teller machines and interactive teller machines; security devices for self-service terminals, including automated teller machines and interactive teller machines, namely, devices that detect electronic card reading devices, card-trapping devices, and cash-trapping devices inserted by fraudsters, devices which deposit ink on fraudulently obtained cash rendering the cash un-useable, electronic devices that inhibit removal of automated teller machines, electronic devices that inhibit breach of automated teller machine safes, and GPS monitoring devices that report automated teller machine locations. Self-service terminals, including automated teller machines and interactive teller machines; downloadable mobile applications for banking services, including crypto-currency services; downloadable computer application software for mobile phones, namely, software for banking services, including crypto-currency services; downloadable software for storing, sorting, and retrieving data and information and for preparing reports in the fields of banking and financial services, including crypto-currency services; computer software for use in banking, financial, crypto-currency, namely, downloadable software for accessing and conducting electronic banking services via global computer networks and telecommunication networks; downloadable software enabling banking customers to transmit payment and collection orders directly and automatically accept account reconciliation information from the bank; downloadable software for use in connection with electronic funds transfers.
(2) Printed matter, printed publications, instructional manual, books, manuals, magazines, brochures, leaflets, periodicals, instructional and teaching materials, and paper for printed and pre-printed receipts, all relating to computer hardware and software for financial transactions conducted at self-service terminals, including automated teller machines and interactive teller machines, and on mobile applications for banking services (1) Inventory and asset management for others in the field of financial transactions conducted at self-service terminals, including automated teller machines and interactive teller machines, including cash and business consumables, namely, replenishment, storage, ordering and reporting services for paper for receipts, toner cartridges, ink cartridges for computers for transactional self-service terminals, including automated teller machines and interactive teller machines
(2) Financial services for self-service terminals, including automated teller machines and interactive teller machines for banking and cash management, namely processing electronic financial transactions, issuing prepaid debit cards, electronic funds transfer services and currency exchange services, cash advance transactions when a transaction is initiated at the self-service terminal and cash is withdrawn from the self-service terminals; balance inquiry transactions when a transaction is initiated at the self-service terminals, and bill payment services when a transaction is initiated at a self-service terminals to establish a fund transfer to a third party; electronic payments services, namely, processing and transmission of bill payment data; cash management services; self-service terminal, including automated teller machines and interactive teller machines; services including cash disbursement services and cash and check deposit services; debit card transaction authorization and settlement processing services, namely, settlement of customer funds between financial institutions participating in an automated teller machine network; credit card and check authorization and processing services; processing balance inquiry transactions using a self-service terminal, including an automated teller machine and interactive teller machine, to provide requested bank account information; financial services, namely, providing surcharge-free withdrawals of cash from self-service terminals including automated teller machines and interactive teller machines; providing self-service terminal, including automated teller machine and interactive teller machine, banking services and related banking consultation and advisory services; consulting services related to all the aforesaid services
(3) Installation, repair and maintenance services for transactional self-service terminals, including automated teller machines and interactive teller machines
(4) Educational services, namely, conducting computer-based training courses and classes, seminars and workshops in the field of computer software, database and operating systems, programming, operation, and application development for conducting financial transactions at self-service terminals, including automated teller machines and interactive teller machines and on mobile applications for banking services
(5) Consultation in the field of computers, namely, application development, assessing and evaluating customer requirements including hardware and software for self-service terminals, including automated teller machines and interactive teller machines and on mobile applications for banking services. Software as a service (SaaS) services, including cloud based services, featuring software for managing and processing financial and payment transactions at a self-service terminals, including automated teller machines and interactive teller machines, and on mobile applications for banking services. Maintenance of computer software for self-service terminals, including automated teller machines and interactive teller machines, and for mobile applications for banking services
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
35 - Advertising and business services
36 - Financial, insurance and real estate services
37 - Construction and mining; installation and repair services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Computer hardware, namely, general purpose computers, servers, self-service terminals, including point-of-sale terminals, communications and networking systems, keyboards, display terminals, printers, change dispensing machines, proofing and encoding systems comprised of hardware and utility software, document scanners, bar code scanners, product weight scales; computer software, namely, application development tools, networking, operating, database management, drivers, utilities, cache optimization, inventory tracking, diagnostic, electronic messaging, process management, transaction management and multimedia for use therewith and related instructional manuals sold in connection therewith; computer software for use in processing point-of-sale transactions, for use in management of retail operations, for integrating multiple sales channels, namely, retail stores, internet, mobile applications and mobile devices, for systems monitoring, diagnostics and configuration management. Self-service terminals, including point-of-sale terminals, for electronic transactions in a financial environment, including cash, credit, and debit transactions; cash registers
(2) Printed matter, printed publications, instructional manual, books, manuals, magazines, brochures, leaflets, periodicals, instructional and teaching materials, and paper for printed and pre-printed receipts, all relating to computer hardware and software for transactions conducted at point-of-sale terminals and on mobile applications for banking services (1) Inventory management for others in the field of office supplies and business consumables; asset management services, namely, analysis, design, implementation and administration of an asset management program; network and systems management services; the aforesaid services relating to management of retail operations, including retails store and hospitality providers, and point-of-sale transactions
(2) Financial services, namely, banking services, financial transaction processing services, including point-of-sale transaction processing, credit card and check authorization and processing services, electronic payments services, namely, processing and transmission of bill payment data; cash management services; point-of-sale electronic funds transfer services; consulting services related to all of the aforesaid services
(3) Installation, repair and maintenance services for point-of-sale terminals, including document scanners, bar code scanners, and product weight scales
(4) Educational services, namely, conducting computer-based training courses and classes, seminars and workshops in the field of computer software, database and operating systems, programming, operation, and application development for conducting financial transactions at point-of-sale terminals and on mobile applications for banking services
(5) Consultation in the field of computers, namely, application development, assessing and evaluating customer requirements including hardware and software for point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and on mobile applications for banking services. Software as a service (SaaS) services, including cloud based services, featuring software for managing and processing financial and payment transactions at a point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and on mobile applications for banking services. Maintenance of computer software for point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and for mobile applications for banking services
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
35 - Advertising and business services
36 - Financial, insurance and real estate services
37 - Construction and mining; installation and repair services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer hardware, namely, general purpose computers, servers, communications and networking systems, keyboards, display terminals, printers, proofing and encoding systems comprised of hardware and utility software; computer software, namely, application development tools, networking, operating, database management, drivers, utilities, cache optimization, inventory tracking, diagnostic, electronic messaging, process management, transaction management and multimedia for use therewith, related instructional manuals sold in connection therewith for self-service terminals, including automated teller machines; interactive teller machines; security devices for self-service terminals, including automated teller machines and interactive teller machines, namely, devices that detect electronic card reading devices, card-trapping devices, and cash-trapping devices inserted by fraudsters, devices which deposit ink on fraudulently obtained cash rendering the cash un-useable; electronic devices that inhibit removal of automated teller machines, electronic devices that inhibit breach of automated teller machine safes, and GPS monitoring devices that report automated teller machine locations; Self-service terminals, including automated teller machines; downloadable mobile applications for banking services, including crypto-currency services; downloadable computer application software for mobile phones, namely, software for banking services, including crypto-currency services; downloadable software for storing, sorting, and retrieving data and information and for preparing reports in the fields of banking and financial services, including crypto-currency services; computer software for use in banking, financial, crypto-currency, namely, downloadable software for accessing and conducting electronic banking services via global computer networks and telecommunication networks; downloadable software enabling banking customers to transmit payment and collection orders directly and automatically accept account reconciliation information from the bank; downloadable software for use in connection with electronic funds transfers. Printed matter, printed publications, instructional manual, books, manuals, magazines, brochures, leaflets, periodicals, instructional and teaching materials, and paper for printed and pre-printed receipts, all relating to computer hardware and software for financial transactions conducted at self-service terminals, including automated teller machines and interactive teller machines, and on mobile applications for banking services. Inventory management for others in the field of financial transactions conducted at self-service terminals, including automated teller machines and interactive teller machines, including cash and business consumables, namely, replenishment, storage, ordering and reporting services for paper for receipts, toner cartridges, ink cartridges for computers for transactional self-service terminals, including automated teller machines and interactive teller machines. Financial services for self-service terminals, including automated teller machines and interactive teller machines for banking and cash management, namely processing electronic financial transactions, issuing prepaid debit cards, electronic funds transfer services and currency exchange services, cash advance transactions when a transaction is initiated at the self-service terminal and cash is withdrawn from the self-service terminals; balance inquiry transactions when a transaction is initiated at the self-service terminals, and bill payment services when a transaction is initiated at a self-service terminals to establish a fund transfer to a third party; electronic payments services, namely, processing and transmission of bill payment data; cash management services; self-service terminal, including automated teller machines and interactive teller machines; services including cash disbursement services and cash and check deposit services; debit card transaction authorization and settlement processing services, namely, settlement of customer funds between financial institutions participating in an automated teller machine network; credit card and check authorization and processing services; processing balance inquiry transactions using a self-service terminal, including an automated teller machine and interactive teller machine, to provide requested bank account information; financial services, namely, providing surcharge-free withdrawals of cash from self-service terminals including automated teller machines and interactive teller machines; providing self-service terminal, including automated teller machine and interactive teller machine, banking services and related banking consultation and advisory services; asset management for others in the field of financial transactions conducted at self-service terminals, including automated teller machines and interactive teller machines, including cash and business consumables, namely, replenishment, storage, ordering and reporting services for paper for receipts, toner cartridges, ink cartridges for computers for transactional self-service terminals, including automated teller machines and interactive teller machines; consulting services related to all the aforesaid services. Installation, repair and maintenance services for transactional self-service terminals, including automated teller machines and interactive teller machines. Educational services, namely, conducting computer-based training courses and classes, seminars and workshops in the field of computer software, database and operating systems, programming, operation, and application development for conducting financial transactions at self-service terminals, including automated teller machines and interactive teller machines and on mobile applications for banking services. Consultation in the field of computers, namely, application development, assessing and evaluating customer requirements including hardware and software for self-service terminals, including automated teller machines and interactive teller machines and on mobile applications for banking services; Software as a service (SaaS) services, including cloud based services, featuring software for managing and processing financial and payment transactions at a self-service terminals, including automated teller machines and interactive teller machines, and on mobile applications for banking services; Maintenance of computer software for self-service terminals, including automated teller machines and interactive teller machines, and for mobile applications for banking services.
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
35 - Advertising and business services
36 - Financial, insurance and real estate services
37 - Construction and mining; installation and repair services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer hardware, namely, general purpose computers, servers, self-service terminals, including point-of-sale terminals, communications and networking systems, keyboards, display terminals, printers, change dispensing machines, proofing and encoding systems comprised of hardware and utility software, document scanners, bar code scanners, product weight scales; computer software, namely, application development tools, networking, operating, database management, drivers, utilities, cache optimization, inventory tracking, diagnostic, electronic messaging, process management, transaction management and multimedia for use therewith and related instructional manuals sold in connection therewith; computer software for use in processing point-of-sale transactions, for use in management of retail operations, for integrating multiple sales channels, namely, retail stores, internet, mobile applications and mobile devices, for systems monitoring, diagnostics and configuration management, Self-service terminals, including point-of-sale terminals, for electronic transactions in a financial environment, including cash, credit, and debit transactions; cash registers. Printed matter, printed publications, instructional manual, books, manuals, magazines, brochures, leaflets, periodicals, instructional and teaching materials, and paper for printed and pre-printed receipts, all relating to computer hardware and software for transactions conducted at point-of-sale terminals and on mobile applications for banking services. Inventory management for others in the field of office supplies and business consumables; business network and systems management services; the aforesaid services relating to management of retail operations, including retails store and hospitality providers, and point-of-sale transactions. Financial services, namely, banking services, financial transaction processing services, including point-of-sale transaction processing, credit card and check authorization and processing services, electronic payments services, namely, processing and transmission of bill payment data; cash management services; point-of-sale electronic funds transfer services; asset management services, namely, analysis, design, implementation and administration of an asset management program; consulting services related to all of the aforesaid services. Installation, repair and maintenance services for point-of-sale terminals, including document scanners, bar code scanners, and product weight scales. Educational services, namely, conducting computer-based training courses and classes, seminars and workshops in the field of computer software, database and operating systems, programming, operation, and application development for conducting financial transactions at point-of-sale terminals and on mobile applications for banking services. Consultation in the field of computers, namely, application development, assessing and evaluating customer requirements including hardware and software for point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and on mobile applications for banking services; Software as a service (SaaS) services, including cloud based services, featuring software for managing and processing financial and payment transactions at a point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and on mobile applications for banking services; Maintenance of computer software for point-of-sale terminals, including document scanners, bar code scanners, product weight scales, and for mobile applications for banking services.
44.
APPARATUS, SYSTEM, AND METHOD FOR BULK CURRENCY NOTE DEPOSITS
A Self-Service Terminal (SST) that provides valuable media deposit features is enhanced with an apparatus fastened to an outside surface of the SST. The apparatus is adapted to receive an externally provided valuable media cassette and connect/interface a port of the cassette to an unload infeed port. A transaction interface is enhanced to identify the cassette as a source device for obtaining valuable media during a deposit transaction. The SST feeds the valuable media from the externally connected cassette through media validation and transport modules of the SST into cassettes of a safe and the SST returns rejected media for the deposit transaction back through the modules to return rejected media to the externally interfaced cassette.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
45.
Methods and System for Securely Capturing and Providing Transaction Information
An option is set on a payment card of a card issuer. A request for payment for a transaction is received by a payment server of the card issuer from a merchant device/server. The payment server requests and receives a one-time token based on the option. An authorization indicating payment was successful is sent from the payment server to the merchant device/server with a flag set, the token, and a network address. Merchant device/server identifies the flag obtains the token and sends an e-receipt for the transaction along with the token to the network address. The e-receipt accessible from the network address by a consumer associated with the transaction. Furthermore, the e-receipt is obtained by the consumer without registering personal information or contact information with the merchant, which preserves the anonymity of the consumer with respect to the merchant.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
H04L 51/046 - Interoperability with other network applications or services
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/10 - Payment architectures specially adapted for home banking systems
A valuable media sanitizing/cleansing cassette is provided for sanitizing/cleansing surfaces of valuable media dispensed to a consumer during a dispense transaction at a transaction terminal. Dispensed media is urged from one or more media cassettes within the terminal along a transport path. The transport path is altered to pass the media through the sanitizing/cleansing cassette where the top and bottom surfaces of the media are illuminated with Ultraviolet (UV) radiation to eradicate any bacteria or virus that may be adhered to the top or the bottom surfaces of the media. Once the media passes through the sanitizing/cleansing cassette, the now sanitized/cleansed media is urged along a remainder of the transport path and dispensed from a media interface of the terminal to the consumer. In an embodiment, media deposited at the terminal is also sanitized/cleansed by passing through the sanitizing/cleansing cassette before being stored in the appropriate media cassettes.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
Disclosed are systems and methods for protecting an escrow clutch of a self-service terminal. The systems and methods may include actuating a motor of the self-service terminal to cause an escrow clutch of the self-service terminal to spin at a rate. As the clutch spins, a determination as to when a clutch slippage exceeds a preset slippage rate may be made. When the clutch slippage exceeds the preset slippage rate, the motor may be actuated to cause the escrow clutch to spin at a second rate. The second rate may less than the first rate.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
F16D 48/06 - Control by electric or electronic means, e.g. of fluid pressure
A pusher plate stacking bin apparatus is provided for a valuable media depository. The apparatus comprising a pusher plate driven by a rack and pinion apparatus to stack a media item that is in a final position within the apparatus onto a media stacking platform. The media item is urged into the final position such that a trailing edge of the media item overhangs and rests on a fixed media guide and such that a leading edge of the media item overhangs and rests on a hinged media guide with a bottom surface of the media item elevated above the media stacking platform. The rack and pinion apparatus drives the plate past the media guides causing the hinged media guide to drop and the media item to fold along the leading edge as the media item is stacked onto the platform.
B65H 29/46 - Members reciprocated in rectilinear path
B65H 31/10 - Pile receivers with movable end support arranged to recede as pile accumulates the articles being piled one above another and applied at the top of the pile
B65H 83/02 - Combinations of piling and depiling operations, e.g. performed simultaneously, of interest apart from the single operation of piling or depiling performed on the same pile
G07D 11/13 - Containers for valuable papers with internal means for handling valuable papers
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
A method and apparatus for determining at least a portion of a media item pathway are disclosed. The apparatus includes a transfer module comprising shafts that are rotatable and spaced apart in a substantially parallel relationship. A removable module is located with respect to the transfer module to selectively locate spaced apart rows of protruding guide elements with respect to the arm elements. At least one arm element comprises an abutment member that moves with the arm element and abuts with an abutment region of at least one guide element when a respective shaft element is rotated. A portion of a media item pathway is at least partially determined via opposed guide surfaces of the guide elements and the arm elements.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G07D 11/40 - Device architecture, e.g. modular construction
Cash trapping at an Automated Teller Machine (ATM) is detected in real time. One or more images from one or more cameras are analyzed. The camera(s) is/are focused overhead of the ATM or on a cash slot of a dispense module for the ATM. The images are analyzed for determining one or more of whether the dispenser module is authentic, whether the cash slot opened or did not open when it should have opened for a cash withdraw, whether visual features of the dispense module have changed over a configurable period of time, and whether hands, gestures, and actions of a person present at the ATM indicate that cash trapping is taking place at the ATM. When cash trapping is detected at the ATM a variety of automated actions are processed, such as shutting down the dispense module, shutting down the ATM, notifying a financial institution, and/or notifying legal authorities.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
Various embodiments herein each include at least one of systems, methods, and software for value transfer between disparate systems. One such embodiment includes receiving a transfer request to transfer a value from a first account provider to an account maintained with a second account provider and including data identifying an individual or entity that initiated the transfer request. This method also includes identifying the second account provider based on data included in the transfer request and generating a request to transfer the value of the transfer request to the account in a format compatible with the second account provider. The method may then transmit the generated request to the second account provider.
A sterilizing media cassette is described for docking with a self-service terminal or a docking terminal. The sterilizing media cassette has a body having a lower portion and four sides. The body is adapted to hold a stack of media items such as banknotes on support members positioned above the lower portion of the body. A lid is provided that couples to the body. The lid forms an enclosed inner space when coupled to the body. An ozone gas source and/or a heat source is mounted on an inner surface of the body or the inner surface of the lid. A controller activates the ozone gas source and/or a heat source to sterilize the stack of media items. This may be done for a predetermined fixed period of time after the sterilizing media cassette is docked with a self-service terminal or a docking terminal.
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable computer application software for mobile phones, portable media players, tablets, and handheld computers, namely, software banking management and analytics, namely, customizing and measuring marketing campaigns; Downloadable computer software for banking management and analytics, namely, customizing and measuring marketing campaigns, and instructional user guides sold as a unit; Downloadable computer software for banking management and analytics, namely, customizing and measuring marketing campaigns, all by means of electronic mail and electronic communications network, including through the use of mobile phones, computers, and web based platforms Financial advice and consultancy services, namely, providing banking management services, all by means of electronic mail and electronic communications network, including through the use of mobile phones, computers, and web-based platforms Providing a website featuring temporary use of non-downloadable software for banking management and analytics, namely, for customizing and measuring marketing campaigns; Providing a website featuring online non-downloadable software that enables users to access banking management and analytics, namely, customizing and measuring marketing campaigns; Providing temporary use of a web-based software application for banking management and analytics, namely, customizing and measuring marketing campaigns; Providing temporary use of online non-downloadable software and applications for banking management and analytics, namely, customizing and measuring marketing campaigns
54.
BLOCKCHAIN-BASED SUPPLY CHAIN AND INVENTORY MANAGEMENT SYSTEM AND METHOD
A system and method for maintaining information about a product over the lifetime of a product. The system includes a network interface device, a database, a processing unit, and a memory device. The database stores product data in the form of a plurality of blockchains. Each of the plurality of blockchains corresponds to a separate product produced by the vendor. Each separate product has an assigned identification code. The memory device stores instructions executable by the processing unit to perform data processing activities. Information about a product to be assembled and sold by the vendor is received via the network interface device. A new blockchain is generated for that product and an identification code for the new product is associated with the new blockchain. The new blockchain is updated include information about an as-built hardware configuration for the new product and the new blockchain is stored in the database.
In an embodiment, a secure safe apparatus is provided. The apparatus comprises a base and a bollard. The bollard comprises a first portion and a second portion manufactured as a single vertical member. The first portion is of sufficient length to extend below a bottom surface of the base into ground at a site where the secure safe apparatus is set. The second portion is of sufficient length to extend through a thickness of the base and above a top surface of the base. The second portion is adapted to be inserted through an aperture in a floor of a safe and affixed to an interior beam manufactured within an inside of the safe to affix the second portion to the beam.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
E01F 9/658 - Upright bodies, e.g. marker posts or bollards; Supports for road signs characterised by means for fixing
E01F 13/12 - Arrangements for obstructing or restricting traffic, e.g. gates, barricades for forcibly arresting or disabling vehicles, e.g. spiked mats
56.
DEVICE, SYSTEM, AND METHOD FOR CARD SKIMMING PROTECTION
A card reader's motorized transport is controlled by firmware of the reader so as to control a distance that any card can be pulled into the reader during a transaction on a host device. The distance is sufficient enough to allow an embedded chip on the card to be read by a chip read interface but is insufficient to be read by a magnetic read interface. Furthermore, the entire length of the card is prevented from completely passing over the magnetic read interface during the transaction such that any skimmer placed within the reader is physically unable to read the magnetic card information from the magnetic strip of the card. In an embodiment, the firmware is configured to permit only chips from the cards to be read for transactions or configured to turn off chip only reading by permitting both chip reads and magnetic strip reads for each transaction.
A display includes two-integrated cameras. A first camera is situated in a top right corner of a front display surface of the display and a second camera is situated in a top left corner of the front display surface. The display is connected to a transaction terminal with the first camera focused on a bagging area associated with the transaction terminal and with the second camera focused on a staging area associated with the transaction terminal. Each camera captures images of items and the item images are streamed over a high-speed display port directly to the transaction terminal. The transaction terminal performs item recognition, item tracking, and auditing on the items based the item images during transaction processing at the transaction terminal.
H04N 23/45 - Cameras or camera modules comprising electronic image sensors; Control thereof for generating image signals from two or more image sensors being of different type or operating in different modes, e.g. with a CMOS sensor for moving images in combination with a charge-coupled device [CCD] for still images
Multiple portions of information for a product are hashed to produce unique hash values during a journey of the product from production to purchase by a consumer. The hash values and information are stored in a cryptographic cooperatively shared product data structure. The hash values are subsequently submitted as product or portions of product searches to the cryptographic cooperatively shared product data structures and results are obtained for products associated with the portions of the information. The results are provided to services to drive proactive actions with respect to the product or other products related to any of the portions of information.
A card reader of a terminal is cryptographically verified upon initialization, power up, connection, or start of day processing of the terminal. A cryptographic and signed token is provided from and verified by an Encrypted Personal Identification Number (PIN) pad (EPP) of the terminal. Each time the reader initializes, the token is verified by the EPP and a new token is generated and provided to the reader for use during a next initialization cycle of the reader. If the reader lacks a token when the EPP has record that is should have the token, the reader is not authorized to perform card transactions for the terminal. If a token provided by the reader during an initialization cycle is not verified, the reader is not authorized to perform card transactions for the terminal.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
60.
Anticipatory and remote-controlled media management
A media level of each Self-Service Terminal (SST) within a customized group of SSTs are managed in real time based on a current media level and a predicted optimal media level for each SST over a given period of time. During management, depositors are proactively steered away from media heavy SSTs to media deficient SSTs within the group. Any given SST of the group may have deposits temporarily disabled based on real-time instruction. Depositors that are being redirected may be incentivized to encourage the depositors to deposit at the cash deficient SSTs of the group.
G06Q 20/10 - Payment architectures specially adapted for home banking systems
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
61.
Device, system, and method for card skimming protection
A card reader's motorized transport is controlled by firmware of the reader so as to control a distance that any card can be pulled into the reader during a transaction on a host device. The distance is sufficient enough to allow an embedded chip on the card to be read by a chip read interface but is insufficient to be read by a magnetic read interface. Furthermore, the entire length of the card is prevented from completely passing over the magnetic read interface during the transaction such that any skimmer placed within the reader is physically unable to read the magnetic card information from the magnetic strip of the card. In an embodiment, the firmware is configured to permit only chips from the cards to be read for transactions or configured to turn off chip only reading by permitting both chip reads and magnetic strip reads for each transaction.
A Self-Service Terminal (SST) that provides valuable media deposit features is enhanced with an apparatus fastened to an outside surface of the SST. The apparatus is adapted to receive an externally provided valuable media cassette and connect/interface a port of the cassette to an unload infeed port. A transaction interface is enhanced to identify the cassette as a source device for obtaining valuable media during a deposit transaction. The SST feeds the valuable media from the externally connected cassette through media validation and transport modules of the SST into cassettes of a safe and the SST returns rejected media for the deposit transaction back through the modules to return rejected media to the externally interfaced cassette.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
16 - Paper, cardboard and goods made from these materials
Goods & Services
Printed matter and printed publications, namely, instructional manuals, books, magazines, brochures, leaflets, labels, photographs, posters, stickers, stationery, and instructional and teaching materials, all of the foregoing being in the field of banking and commerce
A system and method for detecting a foreign object is disclosed. A transmit assembly has a transmit electrode, a ground plane, and a shield electrode positioned between the transmit electrode and the ground plane. Drive circuitry applies a predetermined fixed signal to the transmit electrode and to the shield electrode. A receive assembly is positioned adjacent to the transmit assembly and has a receive electrode. Detection circuitry is coupled to the receive electrode and generates a receive signal based the predetermined fixed signal applied to the transmit electrode. A controller monitors the receive signal to determine when a foreign object has been placed in proximity to the transmit assembly and/or the receive assembly.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
A system and method for identifying a foreign object in a stack of media items is disclosed. An upper clamping plate and an opposing lower clamping plate are positioned to hold a received stack of media items. Each clamping plate has an array of capacitive electrodes positioned on an inner surface thereof. Each of the capacitive electrodes in the one array positioned directly across from a corresponding one in the first array to form a capacitive electrode pair. A controller measures the capacitance of each capacitive electrode pair when the received stack of media items is positioned between the clamping plates, determine if a foreign object is present within the received stack of media items based on the capacitance measurements from each capacitive electrode pair, and generate a signal indicating that a foreign object has been detected when a foreign object is determined to be present.
In an embodiment, a safe door apparatus is provided. The apparatus comprises a locking apparatus affixed to an inside portion of a safe door for a safe and at least one vertically oriented bolt fastened to the inside portion of the safe door with the locking apparatus. The bolt is adapted to move with the locking apparatus during locking and unlocking of the safe door from a safe body of the safe. The bolt is further adapted to fasten and unfasten to a horizontal plate, which is affixed to an inside of the safe body during locking and unlocking of the safe door by the locking apparatus.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
A fraud detection system for a self-service terminal which has a card reader includes an optical proximity sensor and an electrode for a capacitive proximity sensor mounted adjacent to a slot in the card reader. A controller is coupled to the optical proximity sensor and the capacitive proximity sensor. The controller compares a proximity signal from the optical proximity sensor with a first predetermined proximity threshold that is adjusted based on a level of ambient infrared light at that sensor, and sets an alarm signal when an object is closer than the adjusted first predetermined proximity threshold. The controller also compares a proximity signal from the capacitive proximity sensor with a second predetermined proximity threshold that is adjusted based on a level of luminosity light at the optical proximity sensor, and sets an alarm signal when an object is closer than the adjusted second predetermined proximity threshold.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
An initial small group of customers are randomly selected for participation in a campaign associated with a promotion. Transactions of the group are monitored for a redemption of the promotion. A redeeming member's transaction is modeled and mapped into a multidimensional space and transactions for customers not included in the group are modeled and mapped into the space. A neighborhood of the redeeming member and select ones of the customers not included in the group are detected as emerging from the space. Most similar customers to the redeeming member are determined from the neighborhood and a preconfigured number of the most similar customers are selected for inclusion within the group for the campaign. This process continues until a goal of the campaign is reached or the campaign is ended.
A terminal selectively and passively monitors for predefined wireless network discovery advertisements/requests. Requests that match what are expected by the terminal or requests that are in a predefined format are verified. The requests lack any connection pairing passcode; rather, the passcodes are separately provided from connecting devices only after the discovery requests are verified. The terminal independently authenticates the passcodes before authorizing wireless sessions between the devices and the terminal. Wireless discovery settings are continuously changed by the terminal and are valid for only a preset time window, each setting corresponds to a Time-based One Time Password (TOTP) representing a passcode; the TOTP is dependent on and valid only for the corresponding setting and the corresponding time window. In an embodiment, the connection requests are preauthorized by a server for a time window in the future, and the terminal authenticates the requests without interaction with the server.
G06K 7/10 - Methods or arrangements for sensing record carriers by corpuscular radiation
G06K 7/14 - Methods or arrangements for sensing record carriers by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/10 - Payment architectures specially adapted for home banking systems
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
A mobile device establishes a direct or an indirect network connection to a terminal for purposes of remotely controlling a transaction UI of the terminal. During the connection, the mobile device is operated by the user to control transaction UI element navigation, UI element selection, and UI element entry of information, which are provided from the mobile device utilizing one or more of spoken speech feedback, speech of the user, audible feedback, haptic feedback, touch selections, computer vision, and/or touch-based gestures.
H04M 1/72409 - User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality by interfacing with external accessories
H04L 29/08 - Transmission control procedure, e.g. data link level control procedure
G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
71.
Natural language and messaging system integrated group assistant
A natural language and messaging system integrated group assistant (assistant) is provided. The assistant is designated as an active participant within a group chat session on a given messaging platform. The assistant actively engages the group discussion around a decision on a given subject to define the subject's context. Once the context is defined, the assistant performs out-of-band searches to satisfy group criteria for a decision on the subject and provides results back to the group within a natural language written response. Group members vote on alternatives provided in the results and the assistant tabulates the votes to identify a specific decision and the assistant provides detailed information to the group on the specific decision within a natural language summary message.
G06F 40/103 - Formatting, i.e. changing of presentation of documents
H04L 51/046 - Interoperability with other network applications or services
G06F 16/2457 - Query processing with adaptation to user needs
G06F 7/08 - Sorting, i.e. grouping record carriers in numerical or other ordered sequence according to the classification of at least some of the information they carry
H04L 12/18 - Arrangements for providing special services to substations for broadcast or conference
H04L 51/02 - User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail using automatic reactions or user delegation, e.g. automatic replies or chatbot-generated messages
In an embodiment, a secure safe apparatus is provided. The apparatus comprises a base and a bollard. The bollard comprises a first portion and a second portion manufactured as a single vertical member. The first portion is of sufficient length to extend below a bottom surface of the base into ground at a site where the secure safe apparatus is set. The second portion is of sufficient length to extend through a thickness of the base and above a top surface of the base. The second portion is adapted to be inserted through an aperture in a floor of a safe and affixed to an interior beam manufactured within an inside of the safe to affix the second portion to the beam.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
E01F 9/658 - Upright bodies, e.g. marker posts or bollards; Supports for road signs characterised by means for fixing
E01F 13/12 - Arrangements for obstructing or restricting traffic, e.g. gates, barricades for forcibly arresting or disabling vehicles, e.g. spiked mats
A self-service terminal has a bin for storing media items. A mechanism is coupled to the bin that has a pathway for selectively conveying a media item from the bin to a dispenser. A heater device is mounted in the pathway for sanitizing the media item as it is conveyed to the dispenser. The heater device has a heating element set to a predetermined temperature and a roller driven by a motor set to move the media item past the heating element at a predetermined rate of speed. By selecting the predetermined temperature to 116° C. and the predetermined rate of speed to 181 mm/sec, 99.9999% of the viral load of a known type pathogen, i.e., SARS-CoV-2, is eliminated from the media item by the sanitization process.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
A media storage bin has a guide member mounted via a hinge adjacent to a wall of an enclosure and a second free end. The guide member directs inserted media items downward and pivots around an axis of the hinge. A base plate is mounted below the guide member in the enclosure and is arranged to hold a stack of inserted media items on a top surface thereof. A motor is coupled to move the base plate up and down within the enclosure. A controller is coupled to control movement of the motor and is configured to provide signals to the motor to move the base plate to a predetermined home position adjacent to the guide member upon startup and move the base plate upward to compress any deformed inserted media items on the base plate until an input feedback signal reaches a predetermined level.
B65H 31/26 - Auxiliary devices for retaining articles in the pile
B65H 43/06 - Use of control, checking, or safety devices, e.g. automatic devices comprising an element for sensing a variable detecting, or responding to, completion of pile
G07D 11/175 - Flattening, e.g. straightening out folds
An asset is identified in a predefined area. The type of asset is identified through video or wireless tag identification. A security policy associated with the type of asset is obtained. Entries in an asset log are recorded based on a location of the asset, an individual handling the asset, and/or actions taken by an individual with respect to the asset based on the security policy. A real-time notification is sent when the location, the handling, and/or any of the actions warrant a notification based on the security policy.
G08B 13/196 - Actuation by interference with heat, light, or radiation of shorter wavelength; Actuation by intruding sources of heat, light, or radiation of shorter wavelength using passive radiation detection systems using image scanning and comparing systems using television cameras
A valuable media sanitizing/cleansing cassette is provided for sanitizing/cleansing surfaces of valuable media dispensed to a consumer during a dispense transaction at a transaction terminal. Dispensed media is urged from one or more media cassettes within the terminal along a transport path. The transport path is altered to pass the media through the sanitizing/cleansing cassette where the top and bottom surfaces of the media are illuminated with Ultraviolet (UV) radiation to eradicate any bacteria or virus that may be adhered to the top or the bottom surfaces of the media. Once the media passes through the sanitizing/cleansing cassette, the now sanitized/cleansed media is urged along a remainder of the transport path and dispensed from a media interface of the terminal to the consumer. In an embodiment, media deposited at the terminal is also sanitized/cleansed by passing through the sanitizing/cleansing cassette before being stored in the appropriate media cassettes.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
A media terminal includes two integrated currency devices, each device providing at least one feature/operation that is similar to or is the same as the other device. Two independent sessions to each device are made and presented to a transaction application of the terminal as a single aggregated session. When the transaction application issues a command through the single aggregated session, a decision is made that is transparent to the application as to which device should process the command on behalf of the application and the command is issued to the selected device over the corresponding independent session. Results or notifications provided by the selected device are aggregated and provided to the application over the single aggregated session. In an embodiment, the two integrated currency devices are different types of devices from one another.
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable cryptocurrency computer software for connecting intelligent devices, including automated teller machines and point of sale devices, to enterprise computing applications which allows remote access for controlling, servicing, managing and monitoring the intelligent devices via a computer network and the exchange of information between such intelligent devices and enterprise computing applications Providing online non-downloadable cryptocurrency computer software for connecting intelligent devices, including automated teller machines and point of sale devices, to enterprise computing applications which allows remote access for controlling, servicing, managing and monitoring the intelligent devices via a computer network and the exchange of information between such intelligent devices and enterprise computing applications
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable cryptocurrency computer software for connecting intelligent devices, including automated teller machines and point of sale devices, to enterprise computing applications which allows remote access for controlling, servicing, managing and monitoring the intelligent devices via a computer network and the exchange of information between such intelligent devices and enterprise computing applications Providing online non-downloadable cryptocurrency computer software for connecting intelligent devices, including automated teller machines and point of sale devices, to enterprise computing applications which allows remote access for controlling, servicing, managing and monitoring the intelligent devices via a computer network and the exchange of information between such intelligent devices and enterprise computing applications
A computing system and method has a pre-boot operating system stored in an encrypted form according to a first key on a first portion of a non-volatile data storage drive and a main operating system stored in an encrypted form according to a second key on a second portion of the non-volatile data storage drive. A system built in operating system (BIOS) chip is configured to initiate a first authentication process, obtain the first key after successful completion of the first authentication process, load and decrypt the pre-boot operating system into dynamic memory, and cause the pre-boot operating system to run. The pre-boot operating system is configured to initiate a second authentication process, obtain the second key after successful completion of the second authentication process, load and decrypt the main operating system into dynamic memory, and cause the main operating system to run.
G06F 21/57 - Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities
G06F 21/33 - User authentication using certificates
A collector is configured to obtain management data associated with a managed device. The collector formats the management data in a platform independent message and sends to a hardware/Operating System (OS) broker. The broker forwards the message to a hardware/OS agnostic agent, who is subscribed to receive the management data. The agent adds identifying information associated with the managed device to the management data of the message, packages the management data, and forwards the management data to a data collection server or an endpoint device where the management data with the identifying information may be processed by a remote management workflow for managing the managed device.
A valuable media cassette comprises a cover and a valuable media storage base. The cover comprises two ink bags filled with indelible ink. Each ink bag situated on opposing sides of an inside portion of the cover and encased by a blast energy collection plate such that portions of the bag extends partially through serrated teeth of the blast energy collection plate. The blast energy collection plates harness energy associated with a blast force causing the serrated teeth to displace and puncture the ink bags when a blast occurs. The indelible ink is dispersed throughout an inside of the cassette coating the valuable media stored in the cassette with the indelible ink and rendering the valuable media unusable or damaged.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
A system and method for routing ATM transactions. A transaction request is received at an external application programming interface (API) associated with an account holder. The external API runs on a first processor. The transaction request is validated and authorized at the external API. Information about the transaction is forwarded from the external API to an internal API associated with an automated teller machine (ATM). The internal API runs on a second processor. A unique identifier is generated for the transaction request and provided to a user. The unique identifier is received from the user at the ATM without the user presenting any card and without connecting a mobile device of the user to the ATM. The unique identifier is provided from the ATM to the internal API to confirm a validity of the transaction. The transaction is implemented at the ATM by either dispensing cash or accepting a deposit.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
A pusher plate stacking bin apparatus is provided for a valuable media depository. The apparatus comprising a pusher plate driven by a rack and pinion apparatus to stack a media item that is in a final position within the apparatus onto a media stacking platform. The media item is urged into the final position such that a trailing edge of the media item overhangs and rests on a fixed media guide and such that a leading edge of the media item overhangs and rests on a hinged media guide with a bottom surface of the media item elevated above the media stacking platform. The rack and pinion apparatus drives the plate past the media guides causing the hinged media guide to drop and the media item to fold along the leading edge as the media item is stacked onto the platform.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
B65H 31/06 - Pile receivers with movable end support arranged to recede as pile accumulates the articles being piled on edge
G07D 11/13 - Containers for valuable papers with internal means for handling valuable papers
B65H 83/02 - Combinations of piling and depiling operations, e.g. performed simultaneously, of interest apart from the single operation of piling or depiling performed on the same pile
B65H 29/46 - Members reciprocated in rectilinear path
B65H 31/10 - Pile receivers with movable end support arranged to recede as pile accumulates the articles being piled one above another and applied at the top of the pile
A Self-Service Terminal (SST) that provides valuable media deposit features is enhanced with an apparatus fastened to an outside surface of the SST. The apparatus is adapted to receive an externally provided valuable media cassette and connect/interface a port of the cassette to an unload infeed port. A transaction interface is enhanced to identify the cassette as a source device for obtaining valuable media during a deposit transaction. The SST feeds the valuable media from the externally connected cassette through media validation and transport modules of the SST into cassettes of a safe and the SST returns rejected media for the deposit transaction back through the modules to return rejected media to the externally interfaced cassette.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
86.
Methods and system for securely capturing and providing transaction information
An option is set on a payment card of a card issuer. A request for payment for a transaction is received by a payment server of the card issuer from a merchant device/server. The payment server requests and receives a one-time token based on the option. An authorization indicating payment was successful is sent from the payment server to the merchant device/server with a flag set, the token, and a network address. Merchant device/server identifies the flag obtains the token and sends an e-receipt for the transaction along with the token to the network address. The e-receipt accessible from the network address by a consumer associated with the transaction. Furthermore, the e-receipt is obtained by the consumer without registering personal information or contact information with the merchant, which preserves the anonymity of the consumer with respect to the merchant.
H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 10/107 - Computer-aided management of electronic mailing [e-mailing]
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Cryptographic techniques are provided for generating, distributing, validation, and processing secure commands on different devices and/or peripherals. A control device generates and encrypts a key corresponding to a secure command using a private key of control device to produce a key envelope. Control device further encrypts the key envelope with a recipient's public key producing a recipient envelope. The recipient envelope is delivered to a recipient's device. The recipient's device decrypts the recipient envelope with a private key of the recipient's device producing the key envelope. The key envelope is delivered back to the control device. The control device decrypts the key envelope producing the key, validates the key, and processes a secure command on behalf of a secure resource or delivers the secure command to the secure resource for processing. In an embodiment, control device maintains audit records/audit trail, which is maintained on the control device.
A sterilizing media cassette is described for docking with a self-service terminal or a docking terminal. The sterilizing media cassette has a body having a lower portion and four sides. The body is adapted to hold a stack of media items such as banknotes on support members positioned above the lower portion of the body. A lid is provided that couples to the body. The lid forms an enclosed inner space when coupled to the body. UV light sources are mounted on each an inner surface of the body and the inner surface of the lid. A controller activates the UV light source to sterilize the stack of media items. This may be done for a predetermined fixed period of time after the sterilizing media cassette is docked with a self-service terminal or a docking terminal. Ozone and/or heat may also be used for sterilization of the media items.
A system and method is described for detecting a foreign object such as a skimmer placed adjacent to a bezel for a magnetic card reader device, as used in automatic teller machines and gas pumps. At least two sensors are mounted adjacent to the bezel. Each sensor provides a signal that varies when a skimmer is mounted adjacent to the bezel. A controller receive measurement signals from the sensors, and generates an alarm signal when the measurement signals differ from associated predetermined baseline signals by at least associated predetermined thresholds. The alarm signal indicates that a foreign object has been detected adjacent he bezel. The sensors may be capacitive, time of flight, spectral, radar, and/or inductive. The capacitive sensors may include three or more plates, forming multiple capacitive pairs, each capacitive pair effectively forming a separate sensor.
G01D 5/24 - Mechanical means for transferring the output of a sensing member; Means for converting the output of a sensing member to another variable where the form or nature of the sensing member does not constrain the means for converting; Transducers not specially adapted for a specific variable using electric or magnetic means influencing the magnitude of a current or voltage by varying capacitance
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
A transaction is detected on a transaction terminal. A first code is presented on a display of the transaction terminal that is encoded with an identifier and a passcode for a wireless connection between the transaction terminal and a mobile device operated by a customer. The mobile device processes the code to wirelessly connect to the transaction terminal using the identifier and the passcode. A second code is presented on a display of the transaction terminal. The second code when captured by the mobile device causes a transaction interface to be remoted from the transaction terminal to the mobile device over the wireless connection. The transaction continues with interactions provided on the mobile device and processed on the transaction terminal without any customer touching of the display of the transaction terminal and without any customer touching of any keys or keypad of the transaction terminal.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
91.
SECURE WIRELESS AUDIO AND SPEECH AT A TRANSACTION TERMINAL
Audio/speech-based and text-based interactions between a transaction terminal and a user conducting a transaction are provided. In an embodiment, the terminal may establish a direct wireless connection to a user-operated device or an indirection wireless connection to the user-operated device through a proxy device. In an embodiment, the wireless connection is automatically established through a different out-of-band wireless communication between the terminal and the user-operated device. In an embodiment, text-based data for the transaction are provided over a second simultaneous wireless connection that is different from the wireless connection associated with providing the audio/speech data. In an embodiment, audio/speech data provided from the user during the transaction are enhanced for security and are filtered for accuracy using audio-based processing and/or image-based processing. In an embodiment, a speech-to-text and text-to-speech interface for a transaction at the terminal is provided.
An initial multi-digit contact (multi-touch) is detected on a surface of a touchscreen display during initiation of a key entry session on a transaction terminal. A reference row for a logically maintained keypad is set for the key entry session based on the multi-touch. Active rows for the key entry session are changed by swipes up or down. A given key within an active row is selected based on pressure applied by or removed from one of the digits relative to other digits in the multi-touch or based on one of the digits swiped up or down while other digits remain stationary. The key entry session terminates when the multi-digit contact is lifted off the surface without further touching for a preconfigured period of elapsed time. In an embodiment, the session terminates when a multi-touch swipe to the left and then the right is detected (or right and then left).
G06Q 20/00 - Payment architectures, schemes or protocols
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06F 21/83 - Protecting input, output or interconnection devices input devices, e.g. keyboards, mice or controllers thereof
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
A method and apparatus are disclosed for removing one item of media at a time from an item of media container. The apparatus includes a movable element locatable in an abutting relationship with an elected item of media in a media container and disposed to vibrating against the elected item of media to permit the elected item of media to be subsequently be removed alone from the container.
A Point-Of-Sale (POS) terminal is equipped to process crypto currencies for transactions. The POS terminal generates a transaction-based digital wallet for a given transaction to receive a crypto currency payment for that given transaction. The transaction-based digital wallet, funded with the crypto currency for the given transaction, is transferred to a retailer's server where the crypto currency is transferred from the transaction-based digital wallet to a retailer's digital wallet for eventual exchange to a government issued currency.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
Disclosed is an escrow module. The escrow module may include a drum, a first belt and a tape. The drum may have a first end, a second end, and an intermediate portion. The first belt may partially encircle the drum. The tape may have a first end attached to the drum and a second end attached to a spool. Upon rotation of the drum in a first direction, a first side of a media object may contact the tape and a second side of the media object may contact the first belt.
B65H 29/12 - Delivering or advancing articles from machines; Advancing articles to or into piles by means of the nip between two, or between two sets of, moving tapes or bands
Disclosed herein are systems and methods for re-configuring a recycling unit of a self-service terminal that includes a plurality of cassettes. The systems and methods can include receiving an indication that a first cassette of the plurality of cassettes has reached a storage capacity. A second cassette can be selected from the plurality of cassettes after the first cassette has reached the storage capacity. The second cassette can initially be one of a plurality of recycling cassettes. A parameter associated with the second cassette can be changed to indicate the second cassette is no longer a recycling cassette.
A slim-profile safe has a safe body that defines an interior space, and a safe door that is moveable between a closed position for securing the interior space and an open position for accessing the interior space. The safe door includes a fore portion and a recess portion that is offset from the fore portion by a recess angle. The fore portion defines a maximum depth of the safe, and the recess portion provides a reduced depth portion of the safe for the presentation of external hardware for operating a lock that releasably locks the safe door in the closed position, the recess portion being sufficiently offset from the fore portion such that the external hardware is positioned entirely sub-flush to a plane that extends parallel to the fore portion.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
A system and method is described for detecting a foreign object such as a skimmer placed adjacent to a bezel for a magnetic card reader device, as used in automatic teller machines and gas pumps. At least two sensors are mounted adjacent to the bezel. Each sensor provides a signal that varies when a skimmer is mounted adjacent to the bezel. A controller receive measurement signals from the sensors, and generates an alarm signal when the measurement signals differ from associated predetermined baseline signals by at least associated predetermined thresholds. The alarm signal indicates that a foreign object has been detected adjacent the bezel. The sensors may be capacitive, time of flight, spectral, radar, and/or inductive. The capacitive sensors may include three or more plates, forming multiple capacitive pairs, each capacitive pair effectively forming a separate sensor.
G01D 5/24 - Mechanical means for transferring the output of a sensing member; Means for converting the output of a sensing member to another variable where the form or nature of the sensing member does not constrain the means for converting; Transducers not specially adapted for a specific variable using electric or magnetic means influencing the magnitude of a current or voltage by varying capacitance
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
A valuable media sanitizing/cleansing cassette is provided for sanitizing/cleansing surfaces of valuable media dispensed to a consumer during a dispense transaction at a transaction terminal. Dispensed media is urged from one or more media cassettes within the terminal along a transport path. The transport path is altered to pass the media through the sanitizing/cleansing cassette where the top and bottom surfaces of the media are illuminated with Ultraviolet (UV) radiation to eradicate any bacteria or virus that may be adhered to the top or the bottom surfaces of the media. Once the media passes through the sanitizing/cleansing cassette, the now sanitized/cleansed media is urged along a remainder of the transport path and dispensed from a media interface of the terminal to the consumer. In an embodiment, media deposited at the terminal is also sanitized/cleansed by passing through the sanitizing/cleansing cassette before being stored in the appropriate media cassettes.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
A transaction is detected on a transaction terminal. A first code is presented on a display of the transaction terminal that is encoded with an identifier and a passcode for a wireless connection between the transaction terminal and a mobile device operated by a customer. The mobile device processes the code to wirelessly connect to the transaction terminal using the identifier and the passcode. A second code is presented on a display of the transaction terminal. The second code when captured by the mobile device causes a transaction interface to be remoted from the transaction terminal to the mobile device over the wireless connection. The transaction continues with interactions provided on the mobile device and processed on the transaction terminal without any customer touching of the display of the transaction terminal and without any customer touching of any keys or keypad of the transaction terminal.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
