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.
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
3.
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
4.
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
5.
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
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.
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 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
12.
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.
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
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 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
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
22.
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
23.
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
25.
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
27.
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
An ATM can include a housing, a user-interface device, at least one computing device, an advanced function dispenser (AFD), and a broker. The user-interface device can be mounted in the housing and receive an input from a user. The computing device can be positioned in the housing and be running a terminal service. The AFD can be positioned in the housing and be configured to dispense banknotes. The user-interface device can transmit the input to the broker and the broker can publish the input as a first message to the terminal service. The terminal service can receive the first message from the broker and, at least partially in response to the first message, transmit a command to the broker. The broker can publish the command as a second message to the AFD.
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
A locker capable of containing an article that is coupled with a communications interface that communicates with a server. A user interface is coupled with the locker that is operable to receive access codes. A sensor is coupled with the locker wherein the sensor measures a characteristic of an article placed within the locker. A controller associated with the locker is coupled with the sensor, the communications interface, and the user interface. The controller is operable to receive via the communication interface access codes for allowing access to the locker and communicates sensor data with a remote device.
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
A modular automated transaction machine includes a cabinet and a removeable head module. The cabinet includes a chest for storing notes of value, a transport mechanism for transporting notes of value between the chest and an exterior of the cabinet, and a base receiving section formed in the cabinet and including a base connector. The removeable head module includes a main structure for supporting a user interface device, a shroud connected to the main structure to enclose the user interface device, and a base supporting the main structure and including a cabinet connector connectable to the base connector for transferring at least one of electrical communication signals and electrical power between the cabinet and the removable head unit.
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
A system and method provide for enhanced in-lobby-teller (ILT) machines. A banking system includes a local switch, a bank core, a teller terminal, and an ILT machine. The teller terminal allows a bank teller to approve customer requests entered at an ILT. The ILT receives requests and determines if teller approval is needed for the request. If so, the request is forwarded to a teller/teller terminal. When approved, an indication is set in the banking request and the now approved request is sent back to the ILT machine. The ILT machine detects the approval indication and transmits the request to the external- partner switch. This switch returns the transaction request to the local bank switch for forwarding to the bank core. The core is may update account information associated with the banking request and then route it back to the ILT where any remaining tasks of the transaction request are completed.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
A system for onboarding banking-account information for use in future transactions includes a banking-device terminal to read banking-account information from a banking card and input device(s) to receive a verification input associating the banking card with a banking customer. A secured-bank server receives an account number from the banking-account information and the verification input to verify the account number corresponds with the verification input to authorize the onboarding transaction, wherein when the onboarding transaction is authorized the banking-device terminal requests a customer device identification of a mobile-customer device, wherein when the onboarding transaction is authorized the banking-device terminal causes account credentials banking-account information to be stored in the mobile-customer device and not in the secured-bank server, and wherein when the onboarding transaction is authorized the banking-device terminal causes the account number of the banking-account infomration to be stored in the secured-bank server and not in the mobile-customer device.
An Automated Transaction Machine (ATM) includes a main housing defining an interior area. A removable cassette module may be disposed in the interior area. The ATM may include a base plate with a footprint larger than a cross-sectional area of the main housing in any plane parallel to the base plate.
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
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.
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
An escrow unit has an escrow wheel and a movable-continuous belt. The escrow wheel rotates about an axis. The movable-continuous belt is wrapped partially around the escrow wheel forming an open gap between the belt and escrow wheel. The open gap allows the belt to transport a document through the open gap and to store the document by holding the document between the belt and the escrow wheel.
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
In an example embodiment described herein, there is disclosed a method for using a distributed ledger (e.g., a blockchain) for tracking debt information. For example, debt data is created by a first financial institution responsive to a loan. The debt data is stored in a distributed ledger by the first financial institution with a first key that is associated with the first financial institution. Payment data is also stored in the distributed ledger encrypted by the first key. Upon transfer of the debt to a second financial institution, subsequent debt data is stored in the distributed ledger encrypted by a second key associated with the second financial institution.
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.
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.
G07D 11/00 - Dispositifs acceptant des pièces de monnaie; Dispositifs acceptant, distribuant, triant ou comptant des papiers de valeur
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
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 position 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
G07F 17/42 - Appareils déclenchés par pièces de monnaie pour la location d'articles; Installations ou services déclenchés par pièces de monnaie pour appareils pour imprimer des tickets ou analogues
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 13/16 - Manipulation de feuilles souples, p.ex. de chèques
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
A system having a payment-credential logic; a software application; wherein when an authorized person verifies an identity of a mobile customer using a government identification document, the payment-credential logic is then activated, the payment-credential logic is configured to create payment-credential information and to cause the payment-credential information to be stored for future access, wherein the payment-credential logic is configured to provide a way for the software application to be loaded into a mobile customer device, wherein the software application is configured to allow the mobile customer device to access the payment-credential information for one or more future monetary transactions.
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 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
42.
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.
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
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 40/02 - 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
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.
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
45.
MOVEABLE PLATEN IN DOCUMENT HANDLING SYSTEMS FOR AN AUTOMATED TELLER MACHINE
Systems and methods of the invention relate to reducing a number of jams that can occur in an automated teller machine with the employment of a moveable platen that increases a width of a channel for documents. A document analysis area can receive a document via a first transport path, wherein the document analysis area can include a channel in which the document travels to enable at least one scan component to capture an image of the document. The channel is created by one or more platen. The one or more platen can be movable to increase the width of the channel so as to allow documents to pass-through the document analysis area without causing a jam or error for the automated teller machine.
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
In an example embodiment, there is disclosed herein an apparatus comprising a first terminal that comprises a first display, a first wireless interface, and a first cash interface, and a second terminal that comprises a second display, a second wireless interface, and a second cash interface. Control logic is coupled with the first user interface and the second user interface and operable to control the operation of the first and second displays, first and second wireless interfaces, and first and second cash interfaces. A safe is coupled with the control logic, and the first and second cash interfaces. The control logic is operable to have cash selectively delivered from the safe to the first cash interfaces responsive to cash withdrawal transactions conducted at the first terminal and to the second cash interface responsive to cash withdrawal transactions conducted at the second terminal.
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
brevets
