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 31/06 - Récepteurs de piles avec support d'extrémité mobile disposé pour reculer au fur et à mesure que la pile se forme les articles étant empilés de chant
B65H 29/46 - Eléments animés d'un mouvement alternatif selon une course rectiligne
B65H 31/10 - Récepteurs de piles avec support d'extrémité mobile disposé pour reculer au fur et à mesure que la pile se forme les articles étant empilés les uns sur les autres et par le sommet de la pile
B65H 83/02 - Combinaisons d'opérations d'empilage et d'enlèvement d'articles, p.ex. simultanées, présentant un intérêt autre que l'opération individuelle d'empilage ou d'enlèvement des articles dans la même pile
G07D 11/13 - Récipients pour les papiers de valeur avec des moyens internes de manipulation des papiers de valeur
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
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.
G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
G06F 40/103 - Mise en forme, c. à d. modification de l’apparence des documents
G06F 40/166 - Traitement de texte Édition, p.ex. insertion ou suppression
G06V 30/414 - Extraction de la structure géométrique, p.ex. arborescence; Découpage en blocs, p.ex. boîtes englobantes pour les éléments graphiques ou textuels
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 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06K 7/10 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G07D 11/60 - Aménagements des interfaces utilisateur
G07F 7/10 - Mécanismes actionnés par des objets autres que des pièces de monnaie pour déclencher ou actionner des appareils de vente, de location, de distribution de pièces de monnaie ou de papier-monnaie, ou de remboursement par carte d'identité codée ou carte de crédit codée utilisée simultanément avec un signal codé
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
G06V 20/52 - Activités de surveillance ou de suivi, p.ex. pour la reconnaissance d’objets suspects
G06V 40/10 - Corps d’êtres humains ou d’animaux, p.ex. occupants de véhicules automobiles ou piétons; Parties du corps, p.ex. mains
G06V 40/20 - Mouvements ou comportement, p.ex. reconnaissance des gestes
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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
G06V 10/75 - Appariement de motifs d’image ou de vidéo; Mesures de proximité dans les espaces de caractéristiques utilisant l’analyse de contexte; Sélection des dictionnaires
G06V 20/40 - RECONNAISSANCE OU COMPRÉHENSION D’IMAGES OU DE VIDÉOS Éléments spécifiques à la scène dans le contenu vidéo
G06V 20/62 - Texte, p.ex. plaques d’immatriculation, textes superposés ou légendes des images de télévision
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.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
G06Q 30/0226 - Systèmes d’incitation à un usage fréquent, p.ex. programmes de miles pour voyageurs fréquents ou systèmes de points
G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
G06Q 50/26 - Services gouvernementaux ou services publics
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
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 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
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 en vue de faciliter la réfrigération, l'aération ou le chauffage
G02B 1/02 - OPTIQUE ÉLÉMENTS, SYSTÈMES OU APPAREILS OPTIQUES Éléments optiques caractérisés par la substance dont ils sont faits; Revêtements optiques pour éléments optiques faits de cristaux, p.ex. sel gemme, semi-conducteurs
G02B 7/00 - Montures, moyens de réglage ou raccords étanches à la lumière pour éléments optiques
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 - Méthodes ou dispositions pour la lecture de supports d'enregistrement avec des moyens de perception des modifications d'un champ électrostatique ou magnétique, p.ex. par perception des modifications de la capacité entre des électrodes
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 - Emploi de matériaux pour réaliser le parcours métallique
H05K 1/11 - Eléments imprimés pour réaliser des connexions électriques avec ou entre des circuits imprimés
H05K 1/14 - Association structurale de plusieurs circuits imprimés
H05K 1/18 - Circuits imprimés associés structurellement à des composants électriques non imprimés
H05K 3/12 - Appareils ou procédés pour la fabrication de circuits imprimés dans lesquels le matériau conducteur est appliqué au support isolant de manière à former le parcours conducteur recherché utilisant la technique de l'impression pour appliquer le matériau conducteur
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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
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 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
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 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
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.
G06V 10/774 - Dispositions pour la reconnaissance ou la compréhension d’images ou de vidéos utilisant la reconnaissance de formes ou l’apprentissage automatique utilisant l’intégration et la réduction de données, p.ex. analyse en composantes principales [PCA] ou analyse en composantes indépendantes [ ICA] ou cartes auto-organisatrices [SOM]; Séparation aveugle de source méthodes de Bootstrap, p.ex. "bagging” ou “boosting”
G06V 10/82 - Dispositions pour la reconnaissance ou la compréhension d’images ou de vidéos utilisant la reconnaissance de formes ou l’apprentissage automatique utilisant les réseaux neuronaux
26.
EVENT-TRIGGERED CAPTURE OF ITEM IMAGE DATA AND GENERATION AND STORAGE OF ENHANCED ITEM IDENTIFICATION DATA
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.
G06V 10/70 - Dispositions pour la reconnaissance ou la compréhension d’images ou de vidéos utilisant la reconnaissance de formes ou l’apprentissage automatique
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.
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 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
30.
SYSTEM AND METHOD FOR PROVIDING A SECURE LOCALLY-BASED BOOT DISK ENCRYPTION KEY
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 - Certification ou préservation de plates-formes informatiques fiables, p.ex. démarrages ou arrêts sécurisés, suivis de version, contrôles de logiciel système, mises à jour sécurisées ou évaluation de vulnérabilité
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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
G06V 20/52 - Activités de surveillance ou de suivi, p.ex. pour la reconnaissance d’objets suspects
G06V 40/20 - Mouvements ou comportement, p.ex. reconnaissance des gestes
G06V 40/10 - Corps d’êtres humains ou d’animaux, p.ex. occupants de véhicules automobiles ou piétons; Parties du corps, p.ex. mains
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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
33.
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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
G06V 20/62 - Texte, p.ex. plaques d’immatriculation, textes superposés ou légendes des images de télévision
G06V 20/40 - RECONNAISSANCE OU COMPRÉHENSION D’IMAGES OU DE VIDÉOS Éléments spécifiques à la scène dans le contenu vidéo
G06V 10/75 - Appariement de motifs d’image ou de vidéo; Mesures de proximité dans les espaces de caractéristiques utilisant l’analyse de contexte; Sélection des dictionnaires
34.
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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
35.
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 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
H04L 51/046 - Interopérabilité avec d'autres applications ou services réseau
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
A61L 2/10 - Procédés ou appareils de désinfection ou de stérilisation de matériaux ou d'objets autres que les denrées alimentaires ou les lentilles de contact; Accessoires à cet effet utilisant des phénomènes physiques des radiations des ultraviolets
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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
F16D 48/06 - Commande par des moyens électriques ou électroniques, p.ex. de la pression du fluide
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 31/06 - Récepteurs de piles avec support d'extrémité mobile disposé pour reculer au fur et à mesure que la pile se forme les articles étant empilés de chant
B65H 29/46 - Eléments animés d'un mouvement alternatif selon une course rectiligne
B65H 31/10 - Récepteurs de piles avec support d'extrémité mobile disposé pour reculer au fur et à mesure que la pile se forme les articles étant empilés les uns sur les autres et par le sommet de la pile
B65H 83/02 - Combinaisons d'opérations d'empilage et d'enlèvement d'articles, p.ex. simultanées, présentant un intérêt autre que l'opération individuelle d'empilage ou d'enlèvement des articles dans la même pile
G07D 11/13 - Récipients pour les papiers de valeur avec des moyens internes de manipulation des papiers de valeur
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
G07D 11/40 - Architecture des dispositifs, p.ex. construction modulaire
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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
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.
A61L 2/10 - Procédés ou appareils de désinfection ou de stérilisation de matériaux ou d'objets autres que les denrées alimentaires ou les lentilles de contact; Accessoires à cet effet utilisant des phénomènes physiques des radiations des ultraviolets
G07D 11/13 - Récipients pour les papiers de valeur avec des moyens internes de manipulation des papiers de valeur
A61L 2/04 - Procédés ou appareils de désinfection ou de stérilisation de matériaux ou d'objets autres que les denrées alimentaires ou les lentilles de contact; Accessoires à cet effet utilisant des phénomènes physiques de la chaleur
A61L 2/20 - Procédés ou appareils de désinfection ou de stérilisation de matériaux ou d'objets autres que les denrées alimentaires ou les lentilles de contact; Accessoires à cet effet utilisant des substances chimiques des substances gazeuses, p.ex. des vapeurs
43.
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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
E01F 9/658 - Aménagement des panneaux de signalisation routière ou des signaux de trafic routier; Dispositions pour imposer la prudence Éléments dressés, p.ex. poteaux indicateurs ou balises de signalisation; Supports pour les panneaux de signalisation routière caractérisés par des moyens de fixation
E01F 13/12 - Dispositions pour interdire ou limiter la circulation, p.ex. portes, barrières pour arrêter de force les véhicules ou les rendre inutilisables, p.ex. tapis cloutés
45.
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.
A47F 9/04 - Comptoirs de vérification, p.ex. pour magasins à libre-service
G06F 3/041 - Numériseurs, p.ex. pour des écrans ou des pavés tactiles, caractérisés par les moyens de transduction
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
H04N 23/45 - Caméras ou modules de caméras comprenant des capteurs d'images électroniques; Leur commande pour générer des signaux d'image à partir de plusieurs capteurs d'image de type différent ou fonctionnant dans des modes différents, p. ex. avec un capteur CMOS pour les images en mouvement en combinaison avec un dispositif à couplage de charge [CCD]
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 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
49.
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 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
50.
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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
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 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire
G06K 7/14 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire utilisant la lumière sans sélection des longueurs d'onde, p.ex. lecture de la lumière blanche réfléchie
G06K 19/06 - Supports d'enregistrement pour utilisation avec des machines et avec au moins une partie prévue pour supporter des marques numériques caractérisés par le genre de marque numérique, p.ex. forme, nature, code
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
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 - Interfaces utilisateur spécialement adaptées aux téléphones sans fil ou mobiles avec des moyens de soutien local des applications accroissant la fonctionnalité par interfaçage avec des accessoires externes
H04L 29/08 - Procédure de commande de la transmission, p.ex. procédure de commande du niveau de la liaison
G06F 3/0488 - Techniques d’interaction fondées sur les interfaces utilisateur graphiques [GUI] utilisant des caractéristiques spécifiques fournies par le périphérique d’entrée, p.ex. des fonctions commandées par la rotation d’une souris à deux capteurs, ou par la nature du périphérique d’entrée, p.ex. des gestes en fonction de la pression exer utilisant un écran tactile ou une tablette numérique, p.ex. entrée de commandes par des tracés gestuels
59.
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 - Mise en forme, c. à d. modification de l’apparence des documents
H04L 51/046 - Interopérabilité avec d'autres applications ou services réseau
G06F 16/2457 - Traitement des requêtes avec adaptation aux besoins de l’utilisateur
G06F 7/08 - Tri, c. à d. rangement des supports d'enregistrement dans un ordre de succession numérique ou autre, selon la classification d'au moins certaines informations portées sur les supports
H04L 12/18 - Dispositions pour la fourniture de services particuliers aux abonnés pour la diffusion ou les conférences
H04L 51/02 - Messagerie d'utilisateur à utilisateur dans des réseaux à commutation de paquets, transmise selon des protocoles de stockage et de retransmission ou en temps réel, p.ex. courriel en utilisant des réactions automatiques ou la délégation par l’utilisateur, p.ex. des réponses automatiques ou des messages générés par un agent conversationnel
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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
E01F 9/658 - Aménagement des panneaux de signalisation routière ou des signaux de trafic routier; Dispositions pour imposer la prudence Éléments dressés, p.ex. poteaux indicateurs ou balises de signalisation; Supports pour les panneaux de signalisation routière caractérisés par des moyens de fixation
E01F 13/12 - Dispositions pour interdire ou limiter la circulation, p.ex. portes, barrières pour arrêter de force les véhicules ou les rendre inutilisables, p.ex. tapis cloutés
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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
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.
G07D 11/00 - Dispositifs acceptant des pièces de monnaie; Dispositifs acceptant, distribuant, triant ou comptant des papiers de valeur
B65H 31/18 - Dispositifs mécaniques à action directe
B65H 31/26 - Dispositifs auxiliaires pour retenir les articles dans la pile
B65H 43/06 - Utilisation de dispositifs de commande de vérification ou de sécurité, p.ex. dispositifs automatiques comportant un élément pour détecter une variable détectant ou réagissant à l'achèvement de la pile
G07D 11/175 - Aplanissement, p.ex. redressage de plis
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 - Déclenchement influencé par la chaleur, la lumière, ou les radiations de longueur d'onde plus courte; Déclenchement par introduction de sources de chaleur, de lumière, ou de radiations de longueur d'onde plus courte utilisant des systèmes détecteurs de radiations passifs utilisant des systèmes de balayage et de comparaison d'image utilisant des caméras de télévision
G06T 7/50 - Récupération de la profondeur ou de la forme
G06T 7/246 - Analyse du mouvement utilisant des procédés basés sur les caractéristiques, p.ex. le suivi des coins ou des segments
H04W 4/029 - Services de gestion ou de suivi basés sur la localisation
G06V 40/10 - Corps d’êtres humains ou d’animaux, p.ex. occupants de véhicules automobiles ou piétons; Parties du corps, p.ex. mains
G06V 40/20 - Mouvements ou comportement, p.ex. reconnaissance des gestes
G08B 13/14 - Déclenchement mécanique par l'enlèvement ou les essais de déplacement d'articles portatifs
G08B 13/12 - Déclenchement mécanique par la rupture ou le dérangement de cordes ou de fils tendus
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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
A61L 2/10 - Procédés ou appareils de désinfection ou de stérilisation de matériaux ou d'objets autres que les denrées alimentaires ou les lentilles de contact; Accessoires à cet effet utilisant des phénomènes physiques des radiations des ultraviolets
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.
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
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 - Certification ou préservation de plates-formes informatiques fiables, p.ex. démarrages ou arrêts sécurisés, suivis de version, contrôles de logiciel système, mises à jour sécurisées ou évaluation de vulnérabilité
G06F 21/33 - Authentification de l’utilisateur par certificats
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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
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 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
B65H 31/06 - Récepteurs de piles avec support d'extrémité mobile disposé pour reculer au fur et à mesure que la pile se forme les articles étant empilés de chant
G07D 11/13 - Récipients pour les papiers de valeur avec des moyens internes de manipulation des papiers de valeur
B65H 83/02 - Combinaisons d'opérations d'empilage et d'enlèvement d'articles, p.ex. simultanées, présentant un intérêt autre que l'opération individuelle d'empilage ou d'enlèvement des articles dans la même pile
B65H 29/46 - Eléments animés d'un mouvement alternatif selon une course rectiligne
B65H 31/10 - Récepteurs de piles avec support d'extrémité mobile disposé pour reculer au fur et à mesure que la pile se forme les articles étant empilés les uns sur les autres et par le sommet de la 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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
72.
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 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
G06Q 10/107 - Gestion informatisée du courrier électronique
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
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.
A61L 2/10 - Procédés ou appareils de désinfection ou de stérilisation de matériaux ou d'objets autres que les denrées alimentaires ou les lentilles de contact; Accessoires à cet effet utilisant des phénomènes physiques des radiations des ultraviolets
A61L 2/04 - Procédés ou appareils de désinfection ou de stérilisation de matériaux ou d'objets autres que les denrées alimentaires ou les lentilles de contact; Accessoires à cet effet utilisant des phénomènes physiques de la chaleur
A61L 2/20 - Procédés ou appareils de désinfection ou de stérilisation de matériaux ou d'objets autres que les denrées alimentaires ou les lentilles de contact; Accessoires à cet effet utilisant des substances chimiques des substances gazeuses, p.ex. des vapeurs
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 - Moyens mécaniques pour le transfert de la grandeur de sortie d'un organe sensible; Moyens pour convertir la grandeur de sortie d'un organe sensible en une autre variable, lorsque la forme ou la nature de l'organe sensible n'imposent pas un moyen de conversion déterminé; Transducteurs non spécialement adaptés à une variable particulière utilisant des moyens électriques ou magnétiques influençant la valeur d'un courant ou d'une tension en faisant varier la capacité
G06K 7/08 - Méthodes ou dispositions pour la lecture de supports d'enregistrement avec des moyens de perception des modifications d'un champ électrostatique ou magnétique, p.ex. par perception des modifications de la capacité entre des électrodes
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 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
77.
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.
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
H04W 12/04 - Gestion des clés, p.ex. par architecture d’amorçage générique [GBA]
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G10L 15/22 - Procédures utilisées pendant le processus de reconnaissance de la parole, p.ex. dialogue homme-machine
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G10L 13/00 - Synthèse de la parole; Systèmes de synthèse de la parole à partir de texte
G10L 15/26 - Systèmes de synthèse de texte à partir de la parole
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 - Architectures, schémas ou protocoles de paiement
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06F 21/83 - Protection des dispositifs de saisie, d’affichage de données ou d’interconnexion dispositifs de saisie de données, p.ex. claviers, souris ou commandes desdits claviers ou souris
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
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 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
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 - Délivrance ou progression des articles à la sortie des machines; Progression des articles vers ou dans les piles au moyen du resserrement entre deux rubans ou courroies mobiles, ou entre deux jeux de rubans ou courroies
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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
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 - Moyens mécaniques pour le transfert de la grandeur de sortie d'un organe sensible; Moyens pour convertir la grandeur de sortie d'un organe sensible en une autre variable, lorsque la forme ou la nature de l'organe sensible n'imposent pas un moyen de conversion déterminé; Transducteurs non spécialement adaptés à une variable particulière utilisant des moyens électriques ou magnétiques influençant la valeur d'un courant ou d'une tension en faisant varier la capacité
G06K 7/08 - Méthodes ou dispositions pour la lecture de supports d'enregistrement avec des moyens de perception des modifications d'un champ électrostatique ou magnétique, p.ex. par perception des modifications de la capacité entre des électrodes
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 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
A61L 2/10 - Procédés ou appareils de désinfection ou de stérilisation de matériaux ou d'objets autres que les denrées alimentaires ou les lentilles de contact; Accessoires à cet effet utilisant des phénomènes physiques des radiations des ultraviolets
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 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
87.
Aggregated session management for terminal devices
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.
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
A wireless device is provided for retrofitting ATMs. The wireless device including a memory; at least one hardware processor coupled to the memory; a hardware interface coupled to the least one hardware processor; and, at least one antenna coupled to the at least one hardware processor, where the at least one hardware processor is configured to: (i) receive over the at least one antenna an instruction to retrieve state data; (ii) receive the state data over the hardware interface from an ATM; and, (iii) transmit over a virtual private network (VPN) using the at least one antenna the state data, where the VPN is separate from a financial institution network the ATM communicates with to perform transactions.
G06Q 20/00 - Architectures, schémas ou protocoles de paiement
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
A secure token defines use-based access restrictions to a first user resource. The secure token is delegated to a second user. The second user redeems the secure token for access to the first user's resource. The access during redemption is constrained by the use-based access restrictions defined by the first user.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
A method of encoding a transaction flow is described. The method comprises: receiving information from a user about a transaction type to be executed; creating a transaction flow comprising a sequence of states, where at least some states include text to be displayed and inputs to be enabled for that state; and encoding the transaction flow into a machine-readable code.
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
Cloud-based methods and systems are presented for aggregating custom groupings of Self-Service Terminals (SSTs) and managing the SSTs through a network. Real-time information for the SSTs are gathered and interfaces are used to direct selective usage of particular SSTs within a grouping. The groupings optimized for reducing media replenishment and service of any particular SST within the grouping.
G06Q 20/00 - Architectures, schémas ou protocoles de paiement
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 10/087 - Gestion d’inventaires ou de stocks, p.ex. exécution des commandes, approvisionnement ou régularisation par rapport aux commandes
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
Software executing on a mobile device collects custom metadata for an image taken by a camera of a mobile device. The image with the custom metadata is sent from the software to an external network service. The external network service processes the custom metadata to at least determine a physical location of the image. In an embodiment, the physical location is used to uniquely identify the image and perform an automated transaction on behalf of a user that operates the mobile device.
H04N 7/18 - Systèmes de télévision en circuit fermé [CCTV], c. à d. systèmes dans lesquels le signal vidéo n'est pas diffusé
H04W 4/18 - Conversion de format ou de contenu d'informations, p.ex. adaptation, par le réseau, des informations reçues ou transmises pour une distribution sans fil aux utilisateurs ou aux terminaux
H04W 4/02 - Services utilisant des informations de localisation
G06T 7/70 - Détermination de la position ou de l'orientation des objets ou des caméras
A request for access to a user's account is made to an authenticator. The authenticator sends a request for access to the user associated with the user's account. In response to user authorization, the authenticator sends an access link to a service engineer. The service engineer access the link to access the user's account with limited and restricted access. When a remote service session associated with the activated access link is terminated, the authenticator sends a termination of session notice to the user.
G06F 21/00 - Dispositions de sécurité pour protéger les calculateurs, leurs composants, les programmes ou les données contre une activité non autorisée
A system can visually track which items in a store are selected for purchase by a shopper. The system can form a virtual shopping cart by analyzing multiple images, over time, to determine which purchasable items are located with the shopper, such as in a physical shopping cart, in a basket, or held by the shopper. By analyzing multiple images, over time, the system can account for items misidentified in one or more images, or fully or partially obscured in one or more images as the shopper traverses the store. Alternatively, the system can form a virtual shopping cart by analyzing instances in which a purchasable item is removed from a shelf or placed on a shelf. Items removed from, but not returned to, a shelf can be considered to be selected for purchase. The system can include a frictionless checkout that charges the shopper for the selected items.
G06K 7/10 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire
G06K 7/14 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire utilisant la lumière sans sélection des longueurs d'onde, p.ex. lecture de la lumière blanche réfléchie
G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
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 - Déclenchement influencé par la chaleur, la lumière, ou les radiations de longueur d'onde plus courte; Déclenchement par introduction de sources de chaleur, de lumière, ou de radiations de longueur d'onde plus courte utilisant des systèmes détecteurs de radiations passifs utilisant des systèmes de balayage et de comparaison d'image utilisant des caméras de télévision
G06T 7/50 - Récupération de la profondeur ou de la forme
G06T 7/246 - Analyse du mouvement utilisant des procédés basés sur les caractéristiques, p.ex. le suivi des coins ou des segments
H04W 4/029 - Services de gestion ou de suivi basés sur la localisation
G06V 40/10 - Corps d’êtres humains ou d’animaux, p.ex. occupants de véhicules automobiles ou piétons; Parties du corps, p.ex. mains
G06V 40/20 - Mouvements ou comportement, p.ex. reconnaissance des gestes
G08B 13/14 - Déclenchement mécanique par l'enlèvement ou les essais de déplacement d'articles portatifs
G08B 13/12 - Déclenchement mécanique par la rupture ou le dérangement de cordes ou de fils tendus
96.
Frictionless and autonomous activity and behavioral monitoring
Individuals, business transactions, and business activities are monitored for actions and behaviors of the individuals during performance of establishment processes through video feeds captured by cameras, sensor data captured by sensors, and information captured by transaction systems. Transaction/activity information associated with transactions/activities being processed by a transaction system of the establishment or performed by individuals within the establishment are monitored. The actions, behaviors, transaction information, activity information, and establishment processes are correlated to process controls, policies, and procedures of the establishment and logged. Non-compliant actions, behaviors, transaction information, activity information, and/or transaction/activity thresholds generate real-time remedial actions, such as audits, training, and notifications. In an embodiment, an interface is provided for mining, correlating, searching, and reporting the logged data with respect to specific types of transactions/actions. In an embodiment, the logged data is automatically formatted in a target format and provided to an automated system for consumption.
G06F 16/74 - Navigation; Visualisation à cet effet
G06F 16/783 - Recherche de données caractérisée par l’utilisation de métadonnées, p.ex. de métadonnées ne provenant pas du contenu ou de métadonnées générées manuellement utilisant des métadonnées provenant automatiquement du contenu
G06V 20/00 - RECONNAISSANCE OU COMPRÉHENSION D’IMAGES OU DE VIDÉOS Éléments spécifiques à la scène
G06V 20/40 - RECONNAISSANCE OU COMPRÉHENSION D’IMAGES OU DE VIDÉOS Éléments spécifiques à la scène dans le contenu vidéo
G06V 40/20 - Mouvements ou comportement, p.ex. reconnaissance des gestes
A unique session is obtained and an anonymous session is generated that maps to the session. The anonymous session is passed to a selected advertisement service, and the selected advertisement service provides, in response thereto, an interface, which is proxied together with an existing interface of a device (associated with the unique session) during the unique session for a consumer to interact with the proxied interface on the device.
G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
Various embodiments herein each include at least one of systems, methods, software, and data structures that facilitate inter-entity non-monetary transactions. Some such embodiments include a single account identifier per consumer that is utilized across multiple entities to identify a single award account which is credited and debited in the consumer's transactions with all participating entities. One method embodiment includes receiving a unique account identifier within a transaction involving an account of the unique account identifier and calculating a value based on the transaction for transfer to the account of the account identifier. The method then generates a data structure in memory to transfer the calculated value to the account of the account identifier and signing the data structure in the memory with a private key of a private/public key-pair. The method then transmits the data structure to a computing system storing a replicated trusted ledger used to maintain value balances.
A delivery is scheduled for orders. A delivery route for the delivery is planned. A determination is made that a delivery vehicle associated with the delivery is below a threshold capacity level with the orders. Potential customers along the delivery route are identified and contacted for placing new orders. Any received new orders are added to the orders as a modified delivery for the delivery truck along the delivery route.
Various embodiments herein each include at least one of systems, methods, software, and data structures of an authentication network for transaction data. One method embodiment includes electronically receiving an account identifier associated with a purchase transaction and, for each item in the purchase transaction, an item identifier and price data. The method proceeds by generating a data structure in memory for each item included in the purchase transaction. The data structure of each item includes an item identifier and respective price data. Each data structure is then signed in memory with a private key of a private/public key-pair of a merchant of the purchase transaction. The method further proceeds by transmitting each data structure generated for the purchase transaction to a location associated with the account identifier.
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
brevets
