An automated transaction machine (“ATM”) can include a note input/output port, an escrow unit, and an upper transport. The escrow unit can receive and hold currency notes. The upper transport can transport currency notes among the note input/output port and the escrow unit. The escrow unit can include a drum and first and second web-supply spool assemblies. The drum collects and releases currency notes relative to the upper transport, is rotatable about a first axis, and has a variable radius including minimum and maximum radii. Each web-supply spool assembly includes a spool and a web and can rotate about respective second and third axis parallel to and spaced from the first axis. A fourth axis can extend normal to and intersect both of the second and third axis and can be closer to the first axis than the maximum radius of the drum.
A method of interconnecting, within a bank branch, a teller-utilized computing device with peripherals includes placing the computing device and the peripherals in communication with a branch server. The branch server can operate a RESTful Services Interface to communicate with the computing device through a browser. The RESTful Services Interface can call a peripheral interface that defines an abstraction layer that is independent of a J/XFS implemented device layer in response to receiving a request for service. The peripheral interface can call a peripheral instance and a peripheral implementation that includes a command to perform the service. The method also includes communicating, from the peripheral interface, the peripheral implementation to the one of the plurality of peripherals. The method also includes performing, with the one of the plurality of peripherals, the requested service.
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
3.
AUTOMATED TRANSACTION MACHINE WITH ASSOCIATED BEACON
An Automated Transaction Machine (ATM) is associated with a beacon. The beacon may communicate with an electronic device running a software application that is configured to detect the beacon. The software application may have a reaction based upon the detection of the beacon. The ATM or related systems may respond to data directly or indirectly from the software application to make a customization or take other action based there on.
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
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
G07C 9/00 - Enregistrement de l’entrée ou de la sortie d'une entité isolée
09 - Appareils et instruments scientifiques et électriques
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Software for management, organization, operation, supervision and administration of customer loyalty, incentive, rewards, bonus, membership, and promotional programs, schemes and services Software as a service (SaaS) featuring software for management, organization, operation, supervision, and administration of customer loyalty, incentive, rewards, bonus, membership, and promotional programs, schemes and services
In example embodiments described herein are various features for a dual cassette. In one embodiment, a push plate catch and release mechanism is employed that can prevent movement of the push plate when movement of the push plate is not being caused by a motor. In another example embodiment, there is described herein an adjustable rail system for a cassette where the rails are configured so that the rails are installed in the correct bracket and in the correct orientation. In yet another example embodiment, there is disclosed herein a multi-compartment cassette with a transport access door. The transport access door provides access to an internal transport of the cassette without providing access to the contents of the cassette.
In example embodiments described herein are various features for a dual cassette. In one embodiment, a push plate catch and release mechanism is employed that can prevent movement of the push plate when movement of the push plate is not being caused by a motor. In another example embodiment, there is described herein an adjustable rail system for a cassette where the rails are configured so that the rails are installed in the correct bracket and in the correct orientation. In yet another example embodiment, there is disclosed herein a multi-compartment cassette with a transport access door. The transport access door provides access to an internal transport of the cassette without providing access to the contents of the cassette.
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
7.
EDGE SENSING APPARATUS IN AUTOMATED TRANSACTION MACHINE
A sensing apparatus can be configured to detect an edge of a paper that is received by an automated transaction machine (ATM). The paper can move along a path located inside the ATM, the path having opposite first and second sides. The sensing apparatus can include a light emitter and a light detector on the first side of the path, with the light emitter positioned so that it can emit light across the path to the second side. The light detector can be configured to detect light from the light emitter and can emit a signal corresponding to an amount of detected light. The sensing apparatus can also include a control circuit that can control a flow of power to the light emitter, and the control circuit can also receive the signal emitted by the sensor.
B65H 7/10 - Commande de l'alimentation en articles, de l'enlèvement des articles, de l'avance des piles ou d'appareils associés permettant de tenir compte d'une alimentation incorrecte, de la non présence d'articles ou de la présence d'articles défectueux par palpeurs ou détecteurs sensibles à la présence d'articles défectueux ou à l'enlèvement ou à une alimentation incorrecte comportant des détecteurs sensibles à un mauvais repérage latéral
G07D 11/237 - Moyens de mesure ou de détection pour détecter les dysfonctionnements pour détecter les dysfonctionnements de transport, p.ex. le bourrage ou le blocage
G07D 11/40 - Architecture des dispositifs, p.ex. construction modulaire
B65H 7/14 - Commande de l'alimentation en articles, de l'enlèvement des articles, de l'avance des piles ou d'appareils associés permettant de tenir compte d'une alimentation incorrecte, de la non présence d'articles ou de la présence d'articles défectueux par palpeurs ou détecteurs par palpeurs ou détecteurs photo-électriques
09 - Appareils et instruments scientifiques et électriques
37 - Services de construction; extraction minière; installation et réparation
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
night depositories for banks; safe deposit boxes; safes; metal vault doors; bank vaults; metal locks; metal deal drawers for bank teller window units; bank drive-up windows with metal frames self-service systems and terminals, including automated teller machines (ATMs), teller cash recyclers, banking kiosks, and credit and debit card operated terminals; downloaded and recorded software for self-service systems and terminals, namely, software for operating such systems and terminals; point of sale terminals and components therefor, comprised primarily of bar code readers, displays, keyboards, document printers, scanners, and software for operating such terminals and components; self-checkout?terminals, electronic cash registers, and software for operating such terminals and cash registers; and interactive computer kiosk systems comprised primarily of computers, computer hardware and software, computer peripherals, and computer touchscreens for use in ordering or paying for retail goods, food, tickets, cards, and in providing shopping information on-site and remote-controlled installation, maintenance, and repair of self-service systems and terminals, automated teller machines (ATMs), teller cash recyclers, banking kiosks, and credit and debit card operated terminals; on-site and remote-controlled installation, maintenance, and repair of point-of-sale terminals and components therefor, comprised primarily of bar code readers, displays, keyboards, document printers, and scanners; on-site and remote-controlled installation, maintenance, and repair of self-checkout?terminals, electronic cash registers, and interactive computer kiosk systems comprised primarily of computers, computer hardware and software, computer peripherals, and computer touchscreens for use in ordering or paying for retail goods, food, tickets, cards, and in providing shopping information; on-site and remote-controlled installation, maintenance, and repair of charging stations for electric vehicles and electric car charging piles diagnostic services in the nature of monitoring, reporting, and analytics services for self-service systems and terminals including automated teller machines (ATMs), teller cash recyclers, banking kiosks, credit and debit card operated terminals, point of sale terminals, self-checkout?terminals, charging stations for electric vehicles, charging piles for electric vehicles, and interactive computer kiosk systems comprised primarily of computers, computer hardware and software, computer peripherals, and computer touchscreens for use in ordering or paying for retail goods, food, tickets, cards, and in providing shopping information; software as a service (SaaS) services featuring software for monitoring and operating automated banking machines, self-checkout terminals, and point of sale terminals; software as a service (SaaS) services featuring software for incident management, software deployment, cash management, marketing content delivery and management, and security management for automated banking machines, self-checkout terminals, and point of sale terminals; providing a website featuring software that allows users to order repair and maintenance services
9.
SYSTEM AND METHOD FOR PROCESSING BANK TRANSACTIONS
A system for processing bank transactions and a method for operating the system are disclosed. The system can include a plurality of article exchanging units. Each of said plurality of article exchanging units can be configured to receive items from a bank customer and present items to the bank customer. The system can also include a communications controller configured to communicate according to the internet protocol with said plurality of article exchanging units.
G08B 21/22 - Alarmes de situation réagissant à la présence ou à l'absence de personnes
G06V 20/52 - Activités de surveillance ou de suivi, p.ex. pour la reconnaissance d’objets suspects
G08B 5/22 - Systèmes de signalisation optique, p.ex. systèmes d'appel de personnes, indication à distance de l'occupation de sièges utilisant une transmission électromécanique
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
H04L 67/12 - Protocoles spécialement adaptés aux environnements propriétaires ou de mise en réseau pour un usage spécial, p.ex. les réseaux médicaux, les réseaux de capteurs, les réseaux dans les véhicules ou les réseaux de mesure à distance
G08B 3/10 - Systèmes de signalisation audible; Systèmes d'appel sonore de personnes utilisant une transmission électromagnétique
37 - Services de construction; extraction minière; installation et réparation
Produits et services
Installation, maintenance, repair, and monitoring of charging stations for electric vehicles; installation, maintenance, repair, and monitoring of charging piles for electric vehicles
37 - Services de construction; extraction minière; installation et réparation
Produits et services
Installation, maintenance, repair, and monitoring of charging stations for electric vehicles; installation, maintenance, repair, and monitoring of charging piles for electric vehicles
A financial transaction method can include creating a token correlated to a financial account. The method can also include storing the correlation between the token and the financial account in a token database. The method can also include transmitting the token to a mobile computing device operating an application. The method can also include displaying the token on a display of the mobile computing device. The method can also include receiving, over a public network, the token and data associated with a first financial transaction. The method can also include confirming identity between the token transmitted to the mobile computing device and the token received from the secondary computing device. The method can also include transmitting over the public network, approval of the first financial transaction to the secondary computing device in response to the confirming.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
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 card reader can include a card insertion slot, a conveyor member, a card-reading head, and a pendulum sensor assembly. The card insertion slot can receive a card from a user. The conveyor member can be configured to move the card along a transport path extending at least partially within the card reader. The card-reading head can be positioned along the transport path, directed toward the transport path. The card-reading head can be configured to read data held on a magnetic strip or held on an embedded chip. The pendulum sensor assembly can include a pendulum and a first sensor. The pendulum can extend into the transport path and can be freely-pivotable about a pivot axis. The first sensor can be configured to detect an angular position of the pendulum about the pivot axis.
A card reader can include a card insertion slot, a conveyor member, a card-reading head, and a pendulum sensor assembly. The card insertion slot can receive a card from a user. The conveyor member can be configured to move the card along a transport path extending at least partially within the card reader. The card-reading head can be positioned along the transport path, directed toward the transport path. The card-reading head can be configured to read data held on a magnetic strip or held on an embedded chip. The pendulum sensor assembly can include a pendulum and a first sensor. The pendulum can extend into the transport path and can be freely-pivotable about a pivot axis. The first sensor can be configured to detect an angular position of the pendulum about the pivot axis.
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
G06K 7/04 - Méthodes ou dispositions pour la lecture de supports d'enregistrement avec des moyens mécaniques, p.ex. avec des aiguilles actionnant des contacts électriques
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
G07F 7/08 - 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
G06K 7/10 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire
15.
DYNAMIC SIZING OF SYSTEM AND METHOD FOR PROCESSING FINANCIAL TRANSACTIONS
A system for processing a financial transaction request and a method executed by the system can include receiving, at a first server, a request to execute the financial transaction request. The first server can determine transaction middleware (TM) super-modules that are stored on the first server and are required to execute the financial transaction. The first server can detect capacities of the TM super-modules and annex control over memory space of a second server if needed. The first server can replicate at least one of the TM super-modules on the memory of the second server and direct the financial transaction request to the TM super-module replicated on the second server. That TM super-module can generate a corresponding output received by the first server, which can then cede control over the memory space of the second server.
G06F 9/46 - Dispositions pour la multiprogrammation
G06F 9/50 - Allocation de ressources, p.ex. de l'unité centrale de traitement [UCT]
G06F 9/30 - Dispositions pour exécuter des instructions machines, p.ex. décodage d'instructions
G06F 9/455 - Dispositions pour exécuter des programmes spécifiques Émulation; Interprétation; Simulation de logiciel, p.ex. virtualisation ou émulation des moteurs d’exécution d’applications ou de systèmes d’exploitation
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
16.
SERVICE DRIVEN PROCESSING IN FINANCIAL TRANSACTIONS
A method of performing a financial transaction can include receiving, with a first computing device, a request to execute a financial transaction. The first or a second computing device can determine identities of the service applications required to complete the financial transaction. One of the first or second computing devices can then determine an order of executing each of the service applications. One of the first or second computing devices can direct respective second inputs to at least some of the service applications to thereby initiate respective operations of these service applications. Each of the service applications can then complete respective operations. One of the first or second computing device can receive respective outputs from the at least some of the service applications. The first computing device can then complete the financial transaction.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
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 stripper assembly can include a feed wheel, a stripping tire, a drag clutch, and first and second stripping elements. The feed wheel and stripping tire can be mounted for rotation in clockwise (CW) and counter-clockwise (CCW) directions and can contact one another to define a nip through which papers are directed. The drag clutch can be interposed between the stripping tire and the shaft it is mounted upon. The first and second stripping elements can be positioned on the shaft of the stripping tire on opposite sides of the nip. Each of the stripping elements can be configured and positioned to engage papers passing through the nip. The drag clutch is not interposed between either of the first and second stripping elements and the shaft of the stripping tire.
F16D 43/21 - Embrayages automatiques à commande interne actionnés entièrement mécaniquement commandés par le couple, p.ex. embrayages à déclenchement en cas de surcharge, embrayages à glissement avec dispositifs par lesquels le couple fait varier la pression d'embrayage avec organes à friction
An automated transaction machine includes a plurality of cassettes of at least two different configurations. A first cassette may include multiple cavities with an internal transport, while a second cassette includes a single cavity. A first cassette may include lid access from both a top and bottom, while a second cassette only includes lid access from a top.
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
Described herein are techniques that employ a data engine for providing service to endpoints such as automated banking machines. For example, when a maintenance task is to be performed, the appropriate skill and parts for completing the task are determined. A maintenance technician is selected to perform the maintenance task who is the closet technician to the endpoint that has the appropriate skill and part. The data engine is also operable to gather and correlate data for the various components of the endpoint and determine predictive and proactive actions for maintaining the components.
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
G06Q 10/08 - Logistique, p.ex. entreposage, chargement ou distribution; Gestion d’inventaires ou de stocks
An automated transaction machine includes upper and lower units. The lower unit has a chest with a main body. The main body of the lower unit forms a cavity and has interior and exterior walls, made of metal, metal alloys or composite metallic material. There is a non-metallic material layer disposed therebetween. There is opening for passage of documents or other items between the upper and lower units. The upper unit has a housing with a main body. The main body forms a cavity. The main body of the upper unit has an interior and an exterior wall. A transport system may be disposed in the housing to transport documents between the upper and lower units.
E05G 1/06 - Coffres-forts ou chambres fortes pour objets de valeur pouvant être divisés en compartiments multiples
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
21.
Automated Transaction Machine with Unitary Structure
An automated transaction machine includes upper and lower units. The lower unit has a chest with a main body. The main body of the lower unit forms a cavity and has interior and exterior walls, made of different metals, metal alloys or composite metallic material. There is a non-metallic material layer disposed therebetween. There is opening for passage of documents or other items between the upper and lower units. The upper unit has a housing with a main body. The main body forms a cavity. The main body of the upper unit has an interior and an exterior wall. A transport system may be disposed in the housing to transport documents between the upper and lower units.
E05G 1/06 - Coffres-forts ou chambres fortes pour objets de valeur pouvant être divisés en compartiments multiples
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
In an example embodiment, there is disclosed herein a technique that allows the capabilities of an automated banking machine, such as an ATM, to be upgraded remotely. For example, the banking machine may be sold or leased with an initial configuration. It the customer desires to add additional features, the customer can pay for the features and the manufacturer or dealer can send a signal from a remote host to the automated banking machine with data representative of the upgrade. The banking machine then operates with the upgraded configuration.
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
23.
Application interface and database structures to remotely manage bios settings of automated teller machines
A method for controlling at least one setting of a basic input output system (BIOS) of at least one automated transaction machine (ATM) can include provisioning features of an active management technology system of a first computing device associated with an ATM. The method can also include establishing an initial trust between the first computing device and a second computing device that is remote from the first computing device, over a serial-over-lan (SOL) connection that is a feature of the active management technology system. The method can also include configuring the setting of the BIOS of the first computing device and storing a schedule for changing the setting of the BIOS. The method can also include reconfiguring the setting of the BIOS in response to the schedule stored on the database over the SOL.
09 - Appareils et instruments scientifiques et électriques
19 - Matériaux de construction non métalliques
20 - Meubles et produits décoratifs
28 - Jeux, jouets, articles de sport
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
37 - Services de construction; extraction minière; installation et réparation
39 - Services de transport, emballage et entreposage; organisation de voyages
40 - Traitement de matériaux; recyclage, purification de l'air et traitement de l'eau
41 - Éducation, divertissements, activités sportives et culturelles
42 - Services scientifiques, technologiques et industriels, recherche et conception
45 - Services juridiques; services de sécurité; services personnels pour individus
Produits et services
(1) Night depositories for banks; safety deposit boxes; metal vault doors; metal fire resistant safes; metal bank vaults; metal locks; metal fire doors; metal deal drawers for bank teller window units; bank drive-up windows with metal frames; protective deal drawer-bank teller drawers, composed of metal; transportable buildings of metal; safes; automated teller safes; indoor bank counters of metal and drive-through bank counters of metal; windows for drive-through bank counters; indoor bank counters and drive-through bank counters
(2) Vending machines for postal goods; Automatic vending machines; Automatic machines for recycling empties; Reverse vending machines for containers; Reverse vending machines for containers, consisting of an input unit, an image recognition unit and transport devices; Reverse vending machines for bottles; Reverse vending machines for bottles consisting of an input unit, an image recognition unit and transport devices
(3) Cash dispensers and parts therefor; cash recycling machines; automated lottery machines; automated teller machines (ATM); software for automated teller machines, namely, software for operating automated teller machines; downloadable software that enables financial institutions to integrate the delivery of services to customers by mobile devices, branch financial institutions, worldwide web portals, call centers, tellers, kiosks, and automated teller machines; downloadable software for monitoring automated banking machines; downloadable software for operating branch teller systems for banking and financial transactions; electrically operated machines for the dispensing of cash, coupons, tickets, vouchers, coins, postage stamps and for receiving deposits and cashing checks and computer software for operating such machines; credit and debit card operated terminals; customer self-service electronic checkout terminals for point of sale service and software for operating such terminals; touch pads; software, namely, interfaces for computers; downloadable mobile phone applications for conducting financial transactions at an ATM machine; electronic cash registers, automatic cash registers; identification equipment for individuals, namely, iris scanner, retina scanner, hand scanner, fingerprint scanner, face and voice recognition equipment; remote controlled modules for determining price at merchandise shelves in the nature of electronic shelf labels
(4) Furniture, namely, sales and display counters in the nature of bank walk-up and drive-up metal counters; Walk-up bank counters, not of metal; bank drive-up counters, not of metal, for installation onto the exterior of a building (1) Business research services, namely, providing analysis of customer branch banking activities for business purposes; rental of office machines; Business management and organization consultancy; Marketing advice; Consultancy in the field of goods management systems; Organisation of trade fairs for commercial purposes; Compilation of files and computer databases; Consultancy relating to data processing; Negotiation and conclusion of commercial transactions for third parties, Consultancy in the field of product management; Compiling and professional business analysis of data and reports concerning said data obtained from safes, strong rooms, automated cash dispensers, financial transaction terminals operated by bank cards, money dispensing terminals, access control terminals, operating terminals, self-service terminals, stamp vending machines, post terminals, automated devices for sending mail, parcel receiving stations, parcel dispensing stations, cash register systems, electric cash registers, self-service cash register systems, automatic machines for returning empty containers and empties, and surveillance cameras; Office functions, namely creation of reports concerning the operation of safes, strong rooms, automated cash dispensers, financial transaction terminals operated by bank cards, money dispensing terminals, access control terminals, operating terminals, self-service terminals, stamp vending machines, post terminals, automated devices for sending mail, parcel receiving stations, parcel dispensing stations, cash register systems, electric cash registers, self-service cash register systems, automatic machines for returning empty containers and empties, and surveillance cameras; Economic research services, namely providing analyses of bank branch operations and retail branch operations.
(2) Finance services; banking; consulting in the field of finance; consultancy in the field of the renal of automated teller machines (ATM) and self-service terminals for carrying out cash payments, cash deposits, for printing account statements and for banking and trade transfers; rental of automated teller machines (ATM), operating terminals and self-service terminals for carrying out cash payments, cash deposits, for printing account statements and for banking and trade transfers; optimization of cash holdings
(3) Installation, repair, and maintenance of automated banking machines, credit and debit card operated terminals, cash dispensing terminals, access control terminals, surveillance cameras, self-service point of sale terminals, postage dispensing terminals, vending machines, electronic cash registers, mail terminals, automatic mail shipping machines, parcel receiving stations, parcel dispensing stations; computer dispatched maintenance and repair services for automated banking machines, credit and debit card operated terminals, cash dispensing terminals, and access control terminals, for others; installation, repair and maintenance services for automated banking machines, credit and debit card operated terminals, cash dispensing terminals, access control terminals, surveillance cameras, self-service point of sale terminals, postage dispensing terminals, vending machines, and electronic cash registers dispatched by computer; installation, repair and maintenance of operating consoles and terminals, namely; customer terminals, check-out systems, electronic cash registers, self-service cash register systems, cash register safes, automatic machines for recycling empties, and automatic lottery machines; remote maintenance and on-site repair of safes, strong rooms, automated banking machines, terminals operated using credit and debit cards, money dispensing terminals and access control terminals
(4) Logistics company services, namely, storage and transport of materials and intermediate products; delivery of finished products; scheduled deliveries and distribution of goods
(5) Training courses for data processing and telecommunications installations, equipment and software programs
(6) Diagnostic services in the nature of monitoring, reporting, and analytics services, for safes, vaults, automated banking machines, financial card operated terminals, cash dispensing terminals, access control terminals, and surveillance cameras; Software as a service (SAAS) services featuring software that enables financial institutions to integrate the delivery of services to customers by mobile devices, branch financial institutions, worldwide web portals, call centers, tellers, kiosks, and automated teller machines; Software as a service (SAAS) services featuring software for monitoring automated banking machines; Software as a service (SAAS) services featuring software for operating branch teller systems for banking and financial transactions; providing a website featuring software that allows users to order repair and maintenance services; technical consultation in the field of data processing; Technical consultancy in the field of goods management systems; Rental of receipt printers; Architecture; Design of interior decor; Technical checking (supervision) and processing of ATM transactions (payment services); Preparation of technical project plans for replacing and setting up check-out systems in IT environments; Ensuring the availability of the IT systems of others, in particular banks, operational takeover of the IT portfolio; Development of computer hardware and software; Creation of computer software for self-service systems and terminals, namely, automatic cash dispensers, automatic cash acceptance machines, automatic cheque acceptance machines, container return systems, bottle return systems, mail terminals, automatic stamp machines, ticket terminals, automatic goods dispensing machines, automatic mail shipping machines, parcel acceptance stations, parcel dispensing stations, automatic terminals with a payment function, vending machines, check-out systems, electronic cash registers, self-service check-out systems, teller safes, and telecommunications installations and apparatus; Conducting of technical analyses in the field of data processing; Maintenance, servicing, repair of computer programs for data processing apparatus, self-service systems and terminals, namely, automatic cash dispensers, automatic cash acceptance machines, automatic cheque acceptance machines, container return systems, bottle return systems; Maintenance, servicing, repair of computer programs for mail terminals, automatic stamp machines, ticket terminals, automatic goods dispensing machines, automatic mail shipping machines, parcel acceptance stations, parcel dispensing stations, automatic terminals with a payment function, vending machines, check-out systems, electronic cash registers, self-service check-out systems, teller safes, and telecommunications installations
(7) Security services in the nature of monitoring, reporting, and analytics services, for safes, vaults, automated banking machines, financial card operated terminals, cash dispensing terminals, access control terminals, and surveillance cameras for security surveillance purposes; Remote monitoring, reporting, and analytics services for safes, vaults, automated banking machines, financial card operated terminals, cash dispensing terminals, access control terminals, and surveillance cameras for security purposes
25.
METHOD OF INTERCONNECTING TELLER COMPUTING DEVICE WITH PERIPHERALS IN A BANK BRANCH
A method of interconnecting, within a bank branch, a teller-utilized computing device with peripherals includes placing the computing device and the peripherals in communication with a branch server. The branch server can operate a RESTful Services Interface to communicate with the computing device through a browser. The RESTful Services Interface can call a peripheral interface that defines an abstraction layer that is independent of J/XFS in response to receiving a request for service. The peripheral interface can call a peripheral instance and a peripheral implementation that includes a command to perform the service. The method also includes communicating, from the peripheral interface, the peripheral implementation to the one of the plurality of peripherals. The method also includes performing, with the one of the plurality of peripherals, the requested service.
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
26.
Method of operating an automated transaction machine for enhanced security
A method of operating an automated transaction machine (ATM) can include at least partially disengaging a first component of the ATM from a remainder of the ATM. The method can also include altering the first component to a non-conforming condition after being at least partially disengaged. The method can also include re-engaging the first component with the ATM after being altered. The method can also include replacing a second component of the ATM after the re-engaging. Replacing the second component can include pairing the second component with a computing device of the ATM. The pairing can be responsive at least in part to the altering.
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
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 mechanism for actuating a boltwork sensing switch in an Automated Transaction Machine (ATM) includes linear actuators that are rigidly affixed to a bracket. The actuators are operable to linearly move the bracket in synchronized linear movement with the actuators. In operation, as the actuators move the bracket, a distal end of the bracket will come into contact with a switch, causing the switch to change its binary status from either open to closed or closed to open. The signal from the switch, which indicates whether the main bolt is open or closed, is detected by a main processor of an Automated Transaction Machine.
E05C 1/06 - Dispositifs d'immobilisation avec pênes se déplaçant de façon rectiligne sans action d'une clenche avec poignée de manœuvre ou organe équivalent se déplaçant autrement que rigidement
A document-collecting apparatus of an automated transaction can include a document-retaining spool, a document-retaining-spool shaft, a web-supply spool, a web-supply-spool shaft, a web, and a single motor. The document-retaining-spool shaft can extend through an orifice in a center of the document-retaining spool. The web-supply-spool shaft can extend through an orifice in a center of the web-supply spool. The web can have a first end wound around the document-retaining spool and a second end opposite to the first end and wound around the web-supply spool. The single motor can be operatively connected to and can selectively drive the document-retaining-spool shaft and the web-supply-spool shaft.
A sensing apparatus can be configured to detect an edge of a paper that is received by an automated transaction machine (ATM). The paper can move along a path located inside the ATM, the path having opposite first and second sides. The sensing apparatus can include a light emitter and a light detector on the first side of the path, with the light emitter positioned so that it can emit light across the path to the second side. The light detector can be configured to detect light from the light emitter and can emit a signal corresponding to an amount of detected light. The sensing apparatus can also include a control circuit that can control a flow of power to the light emitter, and the control circuit can also receive the signal emitted by the sensor.
B65H 7/10 - Commande de l'alimentation en articles, de l'enlèvement des articles, de l'avance des piles ou d'appareils associés permettant de tenir compte d'une alimentation incorrecte, de la non présence d'articles ou de la présence d'articles défectueux par palpeurs ou détecteurs sensibles à la présence d'articles défectueux ou à l'enlèvement ou à une alimentation incorrecte comportant des détecteurs sensibles à un mauvais repérage latéral
G07D 11/237 - Moyens de mesure ou de détection pour détecter les dysfonctionnements pour détecter les dysfonctionnements de transport, p.ex. le bourrage ou le blocage
G07D 11/40 - Architecture des dispositifs, p.ex. construction modulaire
B65H 7/14 - Commande de l'alimentation en articles, de l'enlèvement des articles, de l'avance des piles ou d'appareils associés permettant de tenir compte d'une alimentation incorrecte, de la non présence d'articles ou de la présence d'articles défectueux par palpeurs ou détecteurs par palpeurs ou détecteurs photo-électriques
Described in example embodiments herein are techniques for implementing an automated banking machine such as an ATM. An example embodiments, tracks the flow of a note through an ATM. Another emobidment corrects errors detected during a note flow. Some embodiments are in the form of security protocols for communications or other communication protocols, or techniques for monitoring devices operating in the ATM. Yet another example embodiment is directed to security of a currency cassette. Still yet another embodiment is directed to detecting tampering of the ATM's gate and/or shuttle. Yet still another embodiment determines if notes in a shuttle were delivered.
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
B65H 43/00 - Utilisation de dispositifs de commande de vérification ou de sécurité, p.ex. dispositifs automatiques comportant un élément pour détecter une variable
G07D 11/00 - Dispositifs acceptant des pièces de monnaie; Dispositifs acceptant, distribuant, triant ou comptant des papiers de valeur
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
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
A financial transaction method can include creating a token correlated to a financial account. The method can also include storing the correlation between the token and the financial account in a token database. The method can also include transmitting the token to a mobile computing device operating an application. The method can also include displaying the token on a display of the mobile computing device. The method can also include receiving, over a public network, the token and data associated with a first financial transaction. The method can also include confirming identity between the token transmitted to the mobile computing device and the token received from the secondary computing device. The method can also include transmitting over the public network, approval of the first financial transaction to the secondary computing device in response to the confirming.
In accordance with an example embodiment there is disclosed herein a method for authenticating a touch screen layout. A file containing the touch screen layout is signed by a key known to the device that is to deploy the touch screen layout, such as, for example an automated banking machine and/or a point of sale system. Before the touch screen is used by the device's user interface, the device validates the touch screen.
H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
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
H04W 4/80 - Services utilisant la communication de courte portée, p.ex. la communication en champ proche, l'identification par radiofréquence ou la communication à faible consommation d’énergie
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
G06F 3/04883 - 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 pour l’entrée de données par calligraphie, p.ex. sous forme de gestes ou de texte
An automated transaction machine (ATM) can include a housing, a display, a cash recycler, and a check receiver. The display can be mounted to the housing and directed toward an exterior of the housing. The cash recycler can be configured to receive a first note of currency from a first user of the ATM and dispense the first note of currency to a subsequent, second user of the ATM. The check receiver can be positioned in the housing, an intake portion with an inlet communicating with the exterior of the housing, and a check reader portion configured to receive a check from the intake portion, scan data displayed on the check, and store the check. The intake portion can be positioned below the display and the check reader portion is positioned behind the display.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
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
In an example embodiment, there is described in here a method for pre-staging transactions that permit a banking customer to either transfer money to a third party or to themselves. In particular embodiments, a token is generated that can be used multiple times by the recipient.
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
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 20/32 - 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 financial transaction computing system can include an ATM and a prestaging module. The ATM can have one or more processors, a first transceiver, one or more cash cassettes, a slot exposed on an exterior of the ATM and communicating with the one or more cash cassettes, and a banknote dispensing module at least configured to move banknotes from the one or more cash cassettes to the slot. The pre-staging module can have one or more processors, a first memory, and a second transceiver. The pre-staging module can also be configured to communicate with the ATM over a wireless public network to receive a token from the ATM over the wireless public network. The pre-staging module can be configured to retrieve a pre-staged transaction from the first memory in response to receiving the token from the ATM.
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 21/85 - Protection des dispositifs de saisie, d’affichage de données ou d’interconnexion dispositifs d’interconnexion, p.ex. les dispositifs connectés à un bus ou les dispositifs en ligne
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
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
A modular ATM is disclosed herein and can include a safe with a first port, at least one currency cassette and dispenser both positioned in the safe, a currency conveyor, and a plurality of linking transport assemblies. The dispenser can move banknotes between the cassette and the first port. The currency conveyor can be positioned on the safe, have second and third ports, and move banknotes between the second and third ports. The currency conveyor can be positionable in a plurality of different orientations and offsets relative to the safe. The plurality of linking transport assemblies can each be individually engageable with the currency conveyor. Each of the linking transport assembly moves banknotes between the first port of the safe and the second port of the currency conveyor. Each linking transport assembly is individually positionable between the safe and the currency conveyor.
G07D 11/18 - Dérivation vers des trajets ou récipients différents
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 11/237 - Moyens de mesure ou de détection pour détecter les dysfonctionnements pour détecter les dysfonctionnements de transport, p.ex. le bourrage ou le blocage
A modular ATM is disclosed herein and can include a safe with a first port, at least one currency cassette and dispenser both positioned in the safe, a recycler, and a plurality of linking transport assemblies. The dispenser can move banknotes between the cassette and the first port. The recycler can be positioned on the safe, have second and third ports, and move banknotes between the second and third ports. The recycler can be positionable in a plurality of different orientations and offsets relative to the safe. The plurality of linking transport assemblies can each be individually engageable with the recycler. Each of the linking transport assembly moves banknotes between the first port of the safe and the second port of the recycler. Each linking transport assembly is individually positionable between the safe and the recycler.
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
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 11/00 - Dispositifs acceptant des pièces de monnaie; Dispositifs acceptant, distribuant, triant ou comptant des papiers de valeur
G07D 11/40 - Architecture des dispositifs, p.ex. construction modulaire
G07D 11/13 - Récipients pour les papiers de valeur avec des moyens internes de manipulation des papiers de valeur
G07D 11/18 - Dérivation vers des trajets ou récipients différents
G07D 11/237 - Moyens de mesure ou de détection pour détecter les dysfonctionnements pour détecter les dysfonctionnements de transport, p.ex. le bourrage ou le blocage
A method of performing autonomous mobile services can include receiving, with a server, a first input corresponding to a request for mobile services, a payment account associated with a user, and an exchange location. The server can control an autonomous vehicle to move to the exchange location. An article holding unit of the vehicle can receive the user and can hold furniture or tools with radio frequency identification tags. The server can receive a second input from an authentication device positioned on the vehicle that corresponds to payment. A door to the holding unit can be opened in response to receipt of the second input. The user can then be received in the article holding unit. The autonomous vehicle can remain at the exchange location until the user has left the article holding unit.
A method of operating an automated transaction machine (ATM) can include receiving a token from a user. The method can also include confirming a personal identification number (PIN) of the user and dispensing banknotes in response to the confirming. The method can also include at least partially disengaging a first component of the ATM from a remainder of the ATM. The method can also include altering the first component to a non-conforming condition after being at least partially disengaged. The method can also include re-engaging the first component with the ATM after being altered. The method can also include replacing a second component of the ATM after the re-engaging. Replacing the second component can include pairing the second component with a computing device of the ATM. The pairing can be responsive at least in part to the altering.
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
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 card reader includes a user-card-insertion slot operatively connected to user-card path. A data-reader is located in an interior of the card reader. A plate is located in the interior of the card reader. The plate is adjacent to the data-reader and interior to the user-card-insertion slot. The plate is configured to block the insertion of a skimming or shimming device and to bend during an attempt to remove the plate from the interior of the card reader. The plate may be configured such that a power connection between the plate and a circuit supplying power to the card reader may be broken during an attempt to remove the plate from the interior of the card reader.
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
G07F 7/08 - 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
A method for inputting pin blocks to a network can include receiving a first pin from a key pad with an encryption module, which is then encrypted to a first pin block with a network encryption key and transmitted to a first computing device that inputs the first pin block to a secure network. The encryption module can also receive a second pin block from a second computing device that is physically separate from the key pad. Prior to receiving the second pin block, the encryption module can transmit a certificate and a second certificate to the second computing device. The encryption module can decrypt the second pin block to a second pin and encrypt the second pin to a third pin block with the network encryption key, for inputting the third pin block to the secure network.
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 20/18 - 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
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
09 - Appareils et instruments scientifiques et électriques
Produits et services
(1) Automated teller machines (ATM); software for automated teller machines, in particular software for operating automated teller machines; electrically-operated machines for the dispensing of cash, coupons, tickets, vouchers, coins, and for receiving deposits and cashing checks, and computer software for operating such machines; terminals for credit cards; terminals for debit cards; self-service point of sale apparatus and software for operating such apparatus; electronic cash registers; automatic cash registers; interactive computer kiosk systems comprised primarily of computers, computer hardware, computer peripherals, and computer touchscreens for use in ordering or paying for retail goods, food, tickets, cards, in providing shopping assistance and services relating to customer loyalty or discount programs.
09 - Appareils et instruments scientifiques et électriques
Produits et services
Automated teller machines (ATM); software for automated
teller machines, in particular software for operating
automated teller machines; electrically-operated machines
for the dispensing of cash, coupons, tickets, vouchers,
coins, and for receiving deposits and cashing checks, and
computer software for operating such machines; terminals for
credit cards; terminals for debit cards; self-service point
of sale apparatus and software for operating such apparatus;
electronic cash registers; automatic cash registers;
interactive computer kiosk systems comprised primarily of
computers, computer hardware, computer peripherals, and
computer touchscreens for use in ordering or paying for
retail goods, food, tickets, cards, in providing shopping
assistance and services relating to customer loyalty or
discount programs.
09 - Appareils et instruments scientifiques et électriques
Produits et services
Automated teller machines (ATM); software for automated
teller machines, in particular software for operating
automated teller machines; electrically-operated machines
for the dispensing of cash, coupons, tickets, vouchers,
coins, and for receiving deposits and cashing checks, and
computer software for operating such machines; terminals for
credit cards; terminals for debit cards; self-service point
of sale apparatus and software for operating such apparatus;
electronic cash registers; automatic cash registers;
interactive computer kiosk systems comprised primarily of
computers, computer hardware, computer peripherals, and
computer touchscreens for use in ordering or paying for
retail goods, food, tickets, cards, in providing shopping
assistance and services relating to customer loyalty or
discount programs.
48.
METHOD OF OPERATING AN AUTOMATED TRANSACTION MACHINE FOR ENHANCED SECURITY
A method performed by an automated transaction machine (ATM) can include maintaining, with the ATM, a count of disbursement commands received by the ATM that require the ATM to dispense a stack size of currency greater than or equal to a first predetermined amount. The method can also include comparing, with the ATM, the count to a second predetermined amount. The method can also include aborting, by the ATM, a first disbursement command that requires a stack size of currency to be dispensed by the ATM that is greater than or equal to the first predetermined amount in response to said comparing when the count is greater than or equal to the second predetermined amount.
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
An Automated Transaction Machine (ATM) is associated with a beacon. The beacon may communicate with an electronic device running a software application that is configured to detect the beacon. The software application may have a reaction based upon the detection of the beacon. The ATM or related systems may respond to data directly or indirectly from the software application to make a customization or take other action based there on.
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
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
G07C 9/00 - Enregistrement de l’entrée ou de la sortie d'une entité isolée
In an example embodiment, there is described herein an automated banking machine with a user interface that enables a customer perform a financial transaction. The automated banking machine also comprises a first interface for communicating with a remote service provide and a second interface that can communicate with a customer service device. Upon receiving an input from the customer requesting assistance, the automated banking machine establishes a communication link between the remote service provider and the customer device. The communication link enables audio, video, or a combination of audio and video data to be sent between the customer device and the remote service provider.
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
H04W 76/14 - Gestion de la connexion Établissement de la connexion Établissement de la connexion en mode direct
H04W 4/80 - Services utilisant la communication de courte portée, p.ex. la communication en champ proche, l'identification par radiofréquence ou la communication à faible consommation d’énergie
G06Q 30/016 - Fourniture d’une assistance aux clients, p. ex pour assister un client dans un lieu commercial ou par un service d’assistance après-vente
G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
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
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
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
H04B 5/00 - Systèmes de transmission à induction directe, p.ex. du type à boucle inductive
H04W 84/12 - Réseaux locaux sans fil [WLAN Wireless Local Area Network]
51.
AFTER-HOURS DEPOSITORY INCLUDING METHOD AND SYSTEM
A method for intaking a bag containing currency or bank checks can include receiving, at a first computing device having one or more processors, a first input from a second computing device the defines a pre-staged transaction. The method can also include generating, with the first computing device, a scannable token correlated to the first input and communicated to the second computing device. The method can also include scanning, with a scanner at an after-hours depository (AHD), the scannable token from a display of the second computing device. The method can also include controlling, with a third computing device of the AHD, an actuator to unlock a door of the AHD and receiving the bag through an inlet of a chute of the AHD that extends between the door and a safe of the AHD.
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
G07C 9/00 - Enregistrement de l’entrée ou de la sortie d'une entité isolée
52.
Application interface and database structures to remotely manage bios settings of automated teller machines
A method for controlling at least one setting of a basic input output system (BIOS) of at least one automated transaction machine (ATM) can include provisioning features of an active management technology system of a first computing device associated with an ATM. The method can also include establishing an initial trust between the first computing device and a second computing device that is remote from the first computing device, over a serial-over-lan (SOL) connection that is a feature of the active management technology system. The method can also include configuring the setting of the BIOS of the first computing device and storing a schedule for changing the setting of the BIOS. The method can also include reconfiguring the setting of the BIOS in response to the schedule stored on the database over the SOL.
A self-service terminal can include a computing device, a display, a transceiver, a card module, an optical scanner, and a radiation source. The display can be in communication with the computing device and be controlled by the computing device. The computing device can be configured to transmit and receive data through the transceiver. The card module can have an intake and card reader configured to read a chip or a magnetic strip. At least part of a path of movement of the card through the self-service terminal can be defined by the card module. The scanner can be positioned on a first side of the path to capture an image of a first side of the card. The radiation source can emit radiation at an area of the card when the image is being captured.
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
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
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 7/00 - Méthodes ou dispositions pour la lecture de supports d'enregistrement
54.
Center de-skew subassembly to center align documents
A center-alignment apparatus for use in an ATM has a transport mechanism to transport a document into the ATM. One or more plates operable in tandem to move the document toward a centerline of a path the document is to travel. Edge-detection sensor(s) on the plate sense an edge of the document when the plate(s) is moved toward the centerline. A translate/rotate mechanism translates and rotates the document while the translate/rotate mechanism transversely moves the document toward the center until another edge-detection sensor detects an edge of the document to create a parallel-aligned document. The control logic controls the plate(s) to centers the parallel-aligned document about the centerline to create a centered document.
B65H 7/10 - Commande de l'alimentation en articles, de l'enlèvement des articles, de l'avance des piles ou d'appareils associés permettant de tenir compte d'une alimentation incorrecte, de la non présence d'articles ou de la présence d'articles défectueux par palpeurs ou détecteurs sensibles à la présence d'articles défectueux ou à l'enlèvement ou à une alimentation incorrecte comportant des détecteurs sensibles à un mauvais repérage latéral
B65H 9/10 - Poussoirs ou positionneurs mobiles analogues; Appareils poussoirs ou pinces déplaçant les articles en position de repère
B65H 9/00 - Positionnement des articles, p.ex. orientement; Dispositifs à cet effet
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 30/224 - Reconnaissance de caractères caractérisés par le type d’écriture de caractères imprimés pourvus de marques de codage additionnelles ou de marques de codage
55.
AUTOMATED TRANSACTION MACHINE WITH UNITARY STRUCTURE
An automated transaction machine includes upper and lower units. The lower unit has a chest with a main body. The main body of the lower unit forms a cavity and has interior and exterior walls, made of different metals, metal alloys or composite metallic material. There is a non-metallic material layer disposed therebetween. There is opening for passage of documents or other items between the upper and lower units. The upper unit has a housing with a main body. The main body forms a cavity. The main body of the upper unit has an interior and an exterior wall. A transport system may be disposed in the housing to transport documents between the upper and lower units
E05G 1/00 - Coffres-forts ou chambres fortes pour objets de valeur
E05G 1/02 - Coffres-forts ou chambres fortes pour objets de valeur - Détails
G07D 13/00 - Manipulation de pièces de monnaie ou de papiers de valeur, caractérisée par une combinaison de mécanismes non couverts par un seul des groupes
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
Described herein are techniques that employ a data engine for providing service to endpoints such as automated banking machines. For example, when a maintenance task is to be performed, the appropriate skill and parts for completing the task are determined. A maintenance technician is selected to perform the maintenance task who is the closet technician to the endpoint that has the appropriate skill and part. The data engine is also operable to gather and correlate data for the various components of the endpoint and determine predictive and proactive actions for maintaining the components.
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
An automated transaction machine (ATM) can include a housing, a display, a cash recycler, and a check receiver. The display can be mounted to the housing and directed toward an exterior of the housing. The cash recycler can be configured to receive a first note of currency from a first user of the ATM and dispense the first note of currency to a subsequent, second user of the ATM. The check receiver can be positioned in the housing, an intake portion with an inlet communicating with the exterior of the housing, and a check reader portion configured to receive a check from the intake portion, scan data displayed on the check, and store the check. The intake portion can be positioned below the display and the check reader portion is positioned behind the display.
An automated transaction machine includes a plurality of cassettes of at least two different configurations. A first cassette may include multiple cavities with an internal transport, while a second cassette includes a single cavity. A first cassette may include lid access from both a top and bottom, while a second cassette only includes lid access from a top.
G07D 11/18 - Dérivation vers des trajets ou récipients différents
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
An automated transaction machine (ATM) can include a housing, a display, a cash recycler, and a check receiver. The display can be mounted to the housing and directed toward an exterior of the housing. The cash recycler can be configured to receive a first note of currency from a first user of the ATM and dispense the first note of currency to a subsequent, second user of the ATM. The check receiver can be positioned in the housing, an intake portion with an inlet communicating with the exterior of the housing, and a check reader portion configured to receive a check from the intake portion, scan data displayed on the check, and store the check. The intake portion can be positioned below the display and the check reader portion is positioned behind the display.
Described herein are techniques that employ a data engine for providing service to endpoints such as automated banking machines. For example, when a maintenance task is to be performed, the appropriate skill and parts for completing the task are determined. A maintenance technician is selected to perform the maintenance task who is the closet technician to the endpoint that has the appropriate skill and part. The data engine is also operable to gather and correlate data for the various components of the endpoint and determine predictive and proactive actions for maintaining the components.
G06Q 10/20 - Administration de la réparation ou de la maintenance des produits
G06Q 10/063 - Recherche, analyse ou gestion opérationnelles
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 automated transaction machine includes upper and lower units. The lower unit has a chest with a main body. The main body of the lower unit forms a cavity and has interior and exterior walls, made of metal, metal alloys or composite metallic material. There is a non-metallic material layer disposed therebetween. There is opening for passage of documents or other items between the upper and lower units. The upper unit has a housing with a main body. The main body forms a cavity. The main body of the upper unit has an interior and an exterior wall. A transport system may be disposed in the housing to transport documents between the upper and lower units.
G07F 9/10 - Boîtiers de l'appareil, p.ex. comportant des moyens de chauffage ou de réfrigération
E04B 1/348 - Structures composées d'unités comportant au moins des parties importantes des deux côtés d'une pièce, c. à d. unités en forme de boîtes ou de cellules closes ou en forme de carcasses
G05D 23/19 - Commande de la température caractérisée par l'utilisation de moyens électriques
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
H05K 7/20 - Modifications en vue de faciliter la réfrigération, l'aération ou le chauffage
09 - Appareils et instruments scientifiques et électriques
Produits et services
Automated teller machines (ATM); downloaded and recorded software for automated teller machines, namely, software for operating automated teller machines; electrically-operated machines for the dispensing of cash, coupons, tickets, vouchers, and coins, and for receiving cash, coin, and check deposits, and for use in cashing checks, and downloaded and recorded computer software for operating such machines; credit and debit card operated terminals; customer self-service terminals for point of sale service, and downloaded and recorded software for operating such terminals; electronic cash registers; automatic cash registers; interactive computer kiosk systems comprised primarily of computers, computer hardware, computer peripherals, and computer touchscreens for use in ordering or paying for retail goods, food, tickets, cards, and in providing shopping information
36 - Services financiers, assurances et affaires immobilières
Produits et services
ATM banking services; ATM-as-a-service, namely, outsource service provider in the field of ATM banking services; providing ATM services to banks and other institutions, namely, cash management and rental of ATMs
64.
DOCUMENT-COLLECTING APPARATUS OF AUTOMATED TRANSACTION MACHINE AND METHOD
A document-collecting apparatus of an automated transaction can include a document-retaining spool, a document-retaining-spool shaft, a web-supply spool, a web-supply-spool shaft, a web, and a single motor. The document-retaining-spool shaft can extend through an orifice in a center of the document-retaining spool. The web-supply-spool shaft can extend through an orifice in a center of the web-supply spool. The web can have a first end wound around the document-retaining spool and a second end opposite to the first end and wound around the web-supply spool. The single motor can be operatively connected to and can selectively drive the document-retaining-spool shaft and the web-supply-spool shaft.
A modular ATM can include a cabinet module and a head module. The cabinet module can include an outer housing, a chest positioned in the outer housing to store notes of value, a transport mechanism to move the notes of value out of the chest, a base receiving section, and a first electrical connector forming an electrical connection to the transport mechanism. The head module can be removably engageable with the cabinet module and include a computing device, at least one user-interface device controlled by the computing device, a main structure supporting the at least one user-interface device and the computing device, a rear shroud connected to the main structure, a base supporting the main structure and the rear shroud, and a second electrical connector mounted in the base and forming an electrical connection to the computing 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
G07F 17/12 - Appareils déclenchés par pièces de monnaie pour la location d'articles; Installations ou services déclenchés par pièces de monnaie pour moyens pour mettre en sûreté un bien momentanément abandonné, p.ex. en attachant ce bien comportant des récipients pouvant être verrouillés, p.ex. pour déposer des vêtements à nettoyer
Disclosed herein is a method where a consumer employs a device associated with the user to scans tags associated with items for purchase. The consumer can pay for the items using the device associated with the user. A point of sale ("POS") terminal or other such device associated with the merchant scans tags associated with items associated with the user and reconciles the items scanned by the device associated with the user with the items scanned by the device associated with the merchant.
G07G 1/12 - Caisses enregistreuses à commande électronique
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06K 19/08 - 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 utilisant des marquages de différentes sortes sur le même support d'enregistrement, p.ex. un marquage étant lu optiquement et l'autre par des moyens magnétiques
Disclosed herein is a method where a consumer employs a device associated with the user to scans tags associated with items for purchase. The consumer can pay for the items using the device associated with the user. A point of sale (“POS”) terminal or other such device associated with the merchant scans tags associated with items associated with the user and reconciles the items scanned by the device associated with the user with the items scanned by the device associated with the merchant.
An automatic transaction machine (ATM) prints on both sides of a document having a first side and a second side. A printer rotates about a printer axis allowing the printer to move between a first positon and a second position. A transport moves a document adjacent the printer in the first position. While in the first position the printer is configured to print on a first side of the document as the document passes the printer on the transport. A document spool with a spool axis receives the document from the transport and at least partially rotates the document so the first side of the document is facing toward the spool axis. The printer rotates about the printer axis to the second position to print on the second side of the document that is facing outward away from the spool axis.
B41J 3/60 - Machines à écrire ou mécanismes d'impression ou de marquage sélectif caractérisés par le but dans lequel ils sont construits pour l'impression recto-verso du matériau d'impression
B41J 25/316 - Mécanismes mobiles pour têtes d'impression ou chariots mobiles vers ou à partir de la surface du papier avec des mécanismes à mouvement de basculement par rapport à la surface du papier
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 managing computing device positioned in an ATM can receive a dispense request for an amount of currency and account information from a user. A controller of a currency dispenser can generate a first number. The first number, the dispense request, and the account information can be sent to a remote, host computing device that shares a secret key with the controller. The host device can generate a first message authentication code (MAC) based on at least one of the first number and the amount of currency and can send it to the controller. The controller can generate a second MAC based on at least one of the first number and the amount of currency, confirm identity between the first and second MACs, and control the currency dispenser to dispense the amount of currency to the user.
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 20/38 - 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
A managing computing device positioned in an ATM can receive a dispense request for an amount of currency and account information from a user. A controller of a currency dispenser can generate a first number. The first number, the dispense request, and the account information can be sent to a remote, host computing device that shares a secret key with the controller. The host device can generate a first message authentication code (MAC) based on at least one of the first number and the amount of currency and can send it to the controller. The controller can generate a second MAC based on at least one of the first number and the amount of currency, confirm identity between the first and second MACs, and control the currency dispenser to dispense the amount of currency to the user.
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
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
A mounting bracket comprising a first (top) surface with a slot, second (bottom) surface, and a shield (front) surface extending between the top and bottom surfaces, and two side (right and left) surfaces coupled with the top, bottom, and front surfaces. A cavity is formed by the top, bottom, front, left, and right surfaces. Mounts on the top surface enable a housing to be mounted on the top surface. Mounts coupled with the left and right edge surfaces enable the bracket to mounted on an external surface. Optionally, the top surface may further comprise a hidden mount on the distal edge of the top surface, the hidden mount is hidden when a housing is mounted on the top surface and/or a security pin. When the bracket is mounted to an external surface, the slot in the top surface allows a connector to extend from the cavity to the housing.
G06F 21/81 - Protection de composants spécifiques internes ou périphériques, où la protection d'un composant mène à la protection de tout le calculateur en agissant sur l’alimentation, p.ex. en branchant ou en débranchant l’alimentation, les fonctions de mise en veille ou de reprise
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
An automated transaction machine can include a user-interface device, a computing device, a battery, a head portion, a first socket-half, a first electrical rail, and a relay. The a user-interface device can be configured to receive an input from a user and transmit the input. The computing device can receive the input. The battery can selectively direct electric power to the user-interface device and the computing device, which can all be housed in the head portion. The first socket-half can be exposed on an outside surface of the head portion and direct power to the user-interface device, the computing device, and the battery. The relay can be arranged to connect the battery and the first electrical rail in a first configuration and be switched between the first configuration and the second configuration by an output signal of the first socket-half.
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
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
G07D 11/40 - Architecture des dispositifs, p.ex. construction modulaire
G06K 7/10 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire
H02J 7/00 - Circuits pour la charge ou la dépolarisation des batteries ou pour alimenter des charges par des batteries
G07F 17/12 - Appareils déclenchés par pièces de monnaie pour la location d'articles; Installations ou services déclenchés par pièces de monnaie pour moyens pour mettre en sûreté un bien momentanément abandonné, p.ex. en attachant ce bien comportant des récipients pouvant être verrouillés, p.ex. pour déposer des vêtements à nettoyer
G07D 11/60 - Aménagements des interfaces utilisateur
A system provides for a self-checkout terminal with various components. A receiver receives shopping data including prices of items that a customer has physically acquired or placed in a cart. A payment logic receives credential information associated with a monetary account for paying for the items. A message logic creates checkout data that includes data representing the collection of purchase items. A transmitter transmits the credential information to an account network for authentication and the receiver receives a response indicating if the monetary account is valid. The payment logic/self-checkout terminal indicates to the customer that a payment using the monetary account for the purchase items is authorized or not. When authorized, an authorization is received at the self-checkout terminal before the customer arrives at the terminal and the self-checkout terminal causes a payment transaction to be executed to provide for self-checkout using the monetary account without assistance by another person.
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 20/10 - 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 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
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
An Automated Teller Machine has a housing having an aperture through which documents may pass between the interior and the exterior of the housing. At least one escrow area is defined in the housing. A document transport system extends within the housing for the transport of documents between the aperture and the escrow area.
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
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
37 - Services de construction; extraction minière; installation et réparation
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Vending machines; reverse vending machines; container return
systems consisting of a collecting unit and transport
devices with incorporated image recognition unit; bottle
return systems consisting of a collecting unit and transport
devices with incorporated image recognition unit; automatic
parcel receiving machines and systems consisting thereof,
automatic parcel distributing machines and systems
consisting thereof. Automated teller machines (ATM) and automated teller machine
components; self-service terminals; automated teller cash
dispensers; automatic paying-in and deposit machines;
electrically operated machines for the dispensing of cash,
coupons, tickets, vouchers, coins, postal stamps and for
receiving deposits and cashing checks, electronic terminals
for generating lottery tickets and computer software for
operating such machines and for operating reverse vending
machines; software for operating automated teller machines
for cash transactions and non-cash transactions; computer
software for controlling and operating various user
equipment such as computer terminals, automatic cash
dispensers, automatic cash collection machines, automatic
cheque collection machines, postal terminals, automatic
stamp machines, automatic vending machines, electronic cash
registers, self-service cash register systems, container
return systems, bottle return systems, printers,
multi-functional terminals with payment functions; software
for financial institutions and commercial companies to
provide services to customers on mobile devices, in branch
offices, on worldwide web portals, in call centers, at bank
counters, in bank kiosks and by automated teller machines,
point of sale systems, self checkout systems; software for
monitoring branch banks, automated teller machines, cash
transactions, non-cash transactions, commercial companies,
software for monitoring transactions against fraud for banks
and commercial companies, software for operating bank
counters in branch offices for banking and financial
transactions; computer programmes; downloadable applications
for mobile terminals especially for conducting financial
transactions; computer peripheral devices; magnetic and
optical data carriers; scanners and camera systems for
capturing goods and labels, especially barcode scanners,
QR-code scanners, RFID-scanners; card reading equipment;
identification equipment for individuals, especially iris
scanners, retina scanners, hand-scanners, fingerprint
scanners, face and voice recognition equipment, signing
capture devices; customer and operating display screens,
multifunctional operating terminals and computer software
for operating such terminals; tablets for controlling
financial transactions for banks and commerce; cash register
systems for tablet operated financial transactions;
self-service terminals for checking stamping mail, image
capturing, weighing, verification of data, electronic
payment processing and data processing in the field of
postal services for letters, post cards, parcels and
packages; electronic terminals for generating and dispensing
stamps; monitors; receipt printers; remote-controlled
modules for displaying prices at goods shelves; chip cards,
security tokens and electronic key tokens, in particular
electronic key cards, electronic key CD, electronic key USB
flash drives; networks for data processing systems; picture
and sound recording and reproduction devices; data
processing apparatus; cash registers, especially electronic
cash registers, self-checkout cash registers, automatic
scanner checkouts and software related thereto; electronic
security apparatus for ATM machines with marking (colouring)
function for invalidation or devaluation of banknotes;
software for operating electronic inking apparatus for
invalidation or devaluation of banknotes. Financial services; banking; consultancy in the area of
financial services; consultancy in the area of rental of
automated teller machines and self-service terminals for
banks; rental of automated teller machines [ATM], automatic
receipt issuing machines, operating terminals and
self-service terminals for banks; rental of automated teller
machines in the commercial field. Installation, repair, and maintenance of self-service
systems and user terminals such as automated teller
machines, credit and debit card operated terminals, cash
dispensing terminals, access control terminals, surveillance
cameras, automatic stamp machines, postal terminals, postal
parcel drop-boxes, postal parcel pick-up boxes, vending
machines, data processing apparatus, cash register systems,
electronic cash registers, self-service point of sale
systems, cash safes, container return and reverse vending
machines, lottery machines and telecommunication equipment;
in situ repair services for safes and vaults. Engineering consultancy in the area of data processing;
engineering consultancy in the area of merchandise
management systems; technical electronic monitoring of cash
on hand optimization; technical monitoring of automated
teller machine transactions, in particular in connection
with payment transaction processing, for data security
purposes; technical project planning in the field of
engineering of point of sale systems in IT environment; IT
security services in the nature of protection and recovery
of computer data, especially for banks; IT project
management; development of computer hardware and computer
software; development of computer software for self-service
systems and user terminals such as automatic cash
dispensers, automatic cash collection machines, automatic
cheque collection machines, container return systems, bottle
return systems, postal terminals, automatic stamp machines,
ticket validation terminals, automatic dispensing machines,
postal parcel drop- boxes, postal parcel pick-up boxes,
terminals with payment functions, vending machines, cash
register systems, electronic cash registers, self-service
cash register systems, cash safes, and telecommunication
equipment; technical data analysis in the area of data
processing software; maintenance, recovery and repair of
computer software for data processing equipment, for
self-service systems and user terminals such as automatic
cash dispensers, automatic cash collection machines,
automatic cheque collection machines, container return
systems, bottle return systems, postal terminals, automatic
stamp machines, ticket validation terminals, automatic
dispensing machines, postal parcel drop-boxes, postal parcel
pick-up boxes, terminals with payment functions, vending
machines, cash register systems, electronic cash registers,
self-service cash register systems, cash safes and
telecommunication equipment; rental of data processing
equipment; remote monitoring services of safes and vaults
[quality control]; remote-controlled maintenance and repair
of software for automated teller machines, credit and debit
card operated terminals, cash dispensing terminals, and
access control terminals for others.
A mounting bracket comprising a first (top) surface with a slot, second (bottom) surface, and a shield (front) surface extending between the top and bottom surfaces, and two side (right and left) surfaces coupled with the top, bottom, and front surfaces. A cavity is formed by the top, bottom, front, left, and right surfaces. Mounts on the top surface enable a housing to be mounted on the top surface. Mounts coupled with the left and right edge surfaces enable the bracket to mounted on an external surface. Optionally, the top surface may further comprise a hidden mount on the distal edge of the top surface, the hidden mount is hidden when a housing is mounted on the top surface and/or a security pin. When the bracket is mounted to an external surface, the slot in the top surface allows a connector to extend from the cavity to the housing.
An embodiment includes an apparatus in an ATM to transport a document. The apparatus includes a feed wheel, a stripping tire, a clutch outer-hub and a clutch inner-hub. The feed wheel may be rotated by a first-rotational driver to move the document in a forward direction while the stripping tire is rotated by movable contact with the feed wheel. The clutch inner-hub prevents the stripping tire from rotating in a direction to cause the document to move in a reverse direction when the first-rotational driver rotates the feed wheel. Alternatively, the stripping tire is rotated by a second-rotational driver to move the document in the reverse direction when the feed wheel is not rotated by a first-rotational driver while the clutch outer-hub prevents the stripping tire from rotating in a direction to cause the document to move in the forward direction.
B65H 3/52 - Dispositifs de retenue à friction agissant sur les côtés inférieur ou arrière des articles à enlever
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 center-alignment apparatus for use in an ATM has a transport mechanism to transport a document into the ATM. One or more plates operable in tandem to move the document toward a centerline of a path the document is to travel. Edge-detection sensor(s) on the plate sense an edge of the document when the plate(s) is moved toward the centerline. A translate/rotate mechanism translates and rotates the document while the translate/rotate mechanism transversely moves the document toward the center until another edge-detection sensor detects an edge of the document to create a parallel-aligned document. The control logic controls the plate(s) to centers the parallel-aligned document about the centerline to create a centered document.
B65H 7/10 - Commande de l'alimentation en articles, de l'enlèvement des articles, de l'avance des piles ou d'appareils associés permettant de tenir compte d'une alimentation incorrecte, de la non présence d'articles ou de la présence d'articles défectueux par palpeurs ou détecteurs sensibles à la présence d'articles défectueux ou à l'enlèvement ou à une alimentation incorrecte comportant des détecteurs sensibles à un mauvais repérage latéral
B65H 9/10 - Poussoirs ou positionneurs mobiles analogues; Appareils poussoirs ou pinces déplaçant les articles en position de repère
G06K 9/18 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales utilisant des caractères imprimés pourvus de marques de codage additionnelles ou comportant des marques de codage, p.ex. le caractère étant composé de barres distinctes de formes différentes, chacune représentant une valeur de code différente
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 9/00 - Positionnement des articles, p.ex. orientement; Dispositifs à cet effet
An automated transaction machine can include at least one currency cassette, a currency recycler, a user interface, a transceiver, a shell, a door, a slot, and a cart. The currency recycler can extract banknotes held by the currency cassette. The user interface can receive an input from a user corresponding to a request for currency dispensing. The transceiver can transmit the input remotely for approval. The shell can have an interior at least partially enclosing the currency cassette and the door can close the interior. The cart can have a holding portion and a plurality of wheels. The currency cassette can be carried by the holding portion and rest on the wheels. Lowermost edges of the wheels can be lower than lowermost edges of the holding portion and the currency cassette when the currency cassette is in the interior.
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 modular ATM is disclosed herein and can include a safe with a first port, at least one currency cassette and dispenser both positioned in the safe, a recycler, and a plurality of linking transport assemblies. The dispenser can move banknotes between the cassette and the first port. The recycler can be positioned on the safe, have second and third ports, and move banknotes between the second and third ports. The recycler can be positionable in a plurality of different orientations and offsets relative to the safe. The plurality of linking transport assemblies can each be individually engageable with the recycler. Each of the linking transport assembly moves banknotes between the first port of the safe and the second port of the recycler. Each linking transport assembly is individually positionable between the safe and the recycler.
A modular ATM is disclosed herein and can include a safe with a first port, at least one currency cassette and dispenser both positioned in the safe, a currency conveyor, and a plurality of linking transport assemblies. The dispenser can move banknotes between the cassette and the first port. The currency conveyor can be positioned on the safe, have second and third ports, and move banknotes between the second and third ports. The currency conveyor can be positionable in a plurality of different orientations and offsets relative to the safe. The plurality of linking transport assemblies can each be individually engageable with the currency conveyor. Each of the linking transport assembly moves banknotes between the first port of the safe and the second port of the currency conveyor. Each linking transport assembly is individually positionable between the safe and the currency conveyor.
A method of operating an automated transaction machine (ATM) can include receiving a token from a user. The method can also include confirming a personal identification number (PIN) of the user and dispensing banknotes in response to the confirming. The method can also include at least partially disengaging a first component of the ATM from a remainder of the ATM. The method can also include altering the first component to a non-conforming condition after being at least partially disengaged. The method can also include re-engaging the first component with the ATM after being altered. The method can also include replacing a second component of the ATM after the re-engaging. Replacing the second component can include pairing the second component with a computing device of the ATM. The pairing can be responsive at least in part to the altering.
G07F 7/02 - 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 des clés ou d'autres dispositifs enregistrant un crédit
G07F 7/04 - 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 du papier-monnaie
G07F 7/06 - 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 des récipients consignés, p.ex. des bouteilles
G07F 7/08 - 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
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
A method for inputting pin blocks to a network can include placing a key pad in communication with an encryption module. The method can include receiving a first pin from the key pad at the encryption module and encrypting the first pin to a first pin block at the encryption module with a network encryption key. The method can include placing the encryption module in communication with a first computing device having one or more processors. The method can include transmitting, with the encryption module, the first pin block to the first computing device. The method can include inputting, with the first computing device, the first pin block to a secure network. The method can include receiving, at the encryption module, over a wireless link, a second pin block from a second computing device physically separate from the key pad..
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 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
A system for performing autonomous mobile services can include a Level 5 autonomous vehicle, an authentication device on the vehicle, at least one article holding unit having at least one door on the vehicle, a transceiver on the autonomous vehicle, and at least one remote server computing device. The server computing device can receive a first input from a remote user computing device that is indicative of a request for autonomous mobile services and includes an exchange location and an account of the user. The server computing device can then control the vehicle to move to the exchange location. The server computing device can also receive at least part of the second input from the authentication device that corresponds to payment for opening the door. The server computing device can then control the authentication device or the control system to open the door.
A method for operating an automated transaction machine can include maintaining a count of disbursement commands requiring a stack size greater than or equal to a first predetermined amount. The method can also include comparing the count to a second predetermined amount. The method can also include aborting a first disbursement command requiring a stack size greater than or equal to the first predetermined amount in response to the comparing when the count is greater than or equal to the second predetermined amount.
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 20/40 - 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
88.
AFTER-HOURS DEPOSITORY INCLUDING METHOD AND SYSTEM
An after-hours depository (AHD), method and system are disclosed herein. The AHD is configured to be controlled by a remote computing device. The remote computing device can be a bank server. The AHD includes a housing with an inlet and an outlet, a chamber between the inlet and the outlet for holding deposits, a door to selectively close the inlet, a lock to selectively lock the door and including a keyhole configured to receive a key, and a mobile interface unit configured to communicate with computing devices. In various embodiments, the AHD can communicate with a remote banking server and/or a mobile computing device possessed by a user of the AHD. A system can be defined by the AHD and the banking server and the computing device operating a program controlled at least in part by the banking server.
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
G07F 17/10 - Appareils déclenchés par pièces de monnaie pour la location d'articles; Installations ou services déclenchés par pièces de monnaie pour moyens pour mettre en sûreté un bien momentanément abandonné, p.ex. en attachant ce bien
A financial transaction computing system can include an ATM and a prestaging module. The ATM can have one or more processors, a first transceiver, one or more cash cassettes, a slot exposed on an exterior of the ATM and communicating with the one or more cash cassettes, and a banknote dispensing module at least configured to move banknotes from the one or more cash cassettes to the slot. The pre-staging module can have one or more processors, a first memory, and a second transceiver. The pre-staging module can also be configured to communicate with the ATM over a wireless public network to receive a token from the ATM over the wireless public network. The pre-staging module can be configured to retrieve a pre-staged transaction from the first memory in response to receiving the token from the ATM.
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 21/85 - Protection des dispositifs de saisie, d’affichage de données ou d’interconnexion dispositifs d’interconnexion, p.ex. les dispositifs connectés à un bus ou les dispositifs en ligne
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
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
90.
SELF SERVICE TERMINAL WITH MAGNETIC CARD READER AND OPTICAL SCANNER
The self-service terminal includes a computing device having one or more processors. The self-service terminal also includes a display in communication with the computing device. Indicia displayed by the display is controlled by the computing device. The self-service terminal also includes a transceiver in communication with the computing device. The computing device can transmit data remotely through the transceiver and can receive data through the transceiver. The self-service terminal also includes a card module having an intake configured to receive a card. The card module defines a path of movement for the card. The card module includes first and second optical scanners positioned on opposite sides of the path to respectively capture images from opposite sides of the card. The card module also includes at least one card reader configured to read one of a chip embedded in the card and a magnetic strip of the card.
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 financial transaction computing system can include an ATM and a prestaging module. The ATM can have one or more processors, a first transceiver, one or more cash cassettes, a slot exposed on an exterior of the ATM and communicating with the one or more cash cassettes, and a banknote dispensing module at least configured to move banknotes from the one or more cash cassettes to the slot. The pre-staging module can have one or more processors, a first memory, and a second transceiver. The pre-staging module can also be configured to communicate with the ATM over a wireless public network to receive a token from the ATM over the wireless public network. The pre-staging module can be configured to retrieve a pre-staged transaction from the first memory in response to receiving the token from the ATM.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
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
92.
APPLICATION INTERFACE AND DATABASE STRUCTURES TO REMOTELY MANAGE BIOS SETTINGS OF AUTOMATED TELLER MACHINES
A method for controlling at least one setting of a basic input output system (BIOS) of at least one automated transaction machine (ATM) can include provisioning features of an active management technology system of a first computing device associated with an ATM. The method can also include establishing an initial trust between the first computing device and a second computing device that is remote from the first computing device, over a serial-over-lan (SOL) connection that is a feature of the active management technology system. The method can also include configuring the setting of the BIOS of the first computing device and storing a schedule for changing the setting of the BIOS. The method can also include reconfiguring the setting of the BIOS in response to the schedule stored on the database over the SOL.
A commercial paper configured to facilitate the transfer of funds can include a paper blank and a computer readable medium. The paper blank can display, on an upper face, indicia corresponding to an account maintained by a financial institution and an amount to be transferred. The computer-readable medium is adherable to the paper blank with adhesive. The commercial paper is part of a system further including a writing device configured to write data to the computer-readable medium and a computing device configured to store and correlate the data written to the computer-readable medium with the account and the amount. A method for processing the commercial paper includes determining the data to be written to the computer-readable medium, writing the data, receiving the commercial paper from a payee, and reading the data from the computer-readable medium before transferring the amount.
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
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 7/004 - Vérification spécialement adaptée à la détermination de l’identité ou de l’authenticité de papiers de valeur ou pour discriminer ceux qui sont inacceptables, p.ex. qui ne correspondent pas à une monnaie en utilisant des éléments de sécurité numériques, p.ex. des informations codées sur un filet ou une bande magnétique
G07D 7/01 - Test des circuits électroniques intégrés
94.
Automated teller machine with an encrypting card reader and an encrypting pin pad
A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The machine also includes a PIN keypad. The card reader can send encrypted card data to the keypad. The keypad can decipher the encrypted card data. The keypad can encrypt both deciphered card data and a received user PIN. The card data and the PIN are usable by the machine to authorize a user to carry out a financial transfer involving the account.
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G07D 11/00 - Dispositifs acceptant des pièces de monnaie; Dispositifs acceptant, distribuant, triant ou comptant 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
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
G07F 7/08 - 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
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
In accordance with an example embodiment, there is disclosed herein an example of using a distributed ledger to track a chain of custody. In accordance with another example embodiment, there is disclosed herein an example of using a distributed ledger that can allow for aggregation of data from multiple sources while maintaining without disclosing the source of individual data records. In yet another example embodiment, there is disclosed herein an example of using a distributed ledger for smart financial institution products such as loan origination. In still yet another example embodiment, there is described herein an example of using a distributed ledger to track debt information.
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
H04L 29/08 - Procédure de commande de la transmission, p.ex. procédure de commande du niveau de la liaison
H04L 9/06 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité l'appareil de chiffrement utilisant des registres à décalage ou des mémoires pour le codage par blocs, p.ex. système DES
Described in example embodiments herein are techniques for implementing an automated banking machine such as an ATM. An example embodiments, tracks the flow of a note through an ATM. Another embodiment corrects errors detected during a note flow. Some embodiments are in the form of security protocols for communications or other communication protocols, or techniques for monitoring devices operating in the ATM. Yet another example embodiment is directed to security of a currency cassette. Still yet another embodiment is directed to detecting tampering of the ATM's gate and/or shuttle. Yet still another embodiment determines if notes in a shuttle were delivered.
B65H 43/00 - Utilisation de dispositifs de commande de vérification ou de sécurité, p.ex. dispositifs automatiques comportant un élément pour détecter une variable
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
G07D 11/00 - Dispositifs acceptant des pièces de monnaie; Dispositifs acceptant, distribuant, triant ou comptant des papiers de valeur
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
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
A method, such as for executing electronic financial transactions, is disclosed herein. The method can include arranging an automated bank terminal and a bank core in communication with one another over a secured internal bank network. The method can also include receiving, at the automated bank terminal, a banking transaction request from a user wherein the banking transaction request is defined by a plurality of transaction details. The method can also include directing, with the automated bank terminal, the banking transaction request to a partner switch outside of the secured internal bank network in response to receiving the banking transaction request.
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 20/10 - 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
99.
TRANSACTIONS FOR TRANSFERRING GOODS EMPLOYING LOCKERS
In an example embodiment, there is disclosed herein a method for selling goods that employs lockers so that the purchaser and seller do not have to meet in person. In particular embodiments, a cryptocurrency associated with a distributed database such as a blockchain may be employed so that the buyer and seller may remain anonymous.
G06Q 10/08 - Logistique, p.ex. entreposage, chargement ou distribution; Gestion d’inventaires ou de stocks
G07F 17/12 - Appareils déclenchés par pièces de monnaie pour la location d'articles; Installations ou services déclenchés par pièces de monnaie pour moyens pour mettre en sûreté un bien momentanément abandonné, p.ex. en attachant ce bien comportant des récipients pouvant être verrouillés, p.ex. pour déposer des vêtements à nettoyer
An ATM can include a user-interface device, at least one computing device, a battery, a head portion, and a socket-half. The user-interface device can be configured to receive an input from a user corresponding, at least in part, to an account maintained by a financial institution. The computing device can be in data communication with the user-interface device to receive the input. The battery can be connectable to the user-interface device and the computing device to direct electric power. The head portion can house the user-interface device, the computing device and the battery. The socket-half can be mounted to the head portion and be exposed on an outside surface of the head portion. The socket-half can be selectively connectable to the user-interface device, the computing device and the battery, to direct electric power when connected.
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
