Abstract: A system includes a customer authentication system and an automatic teller machine (ATM). The ATM includes a display, one or more memory devices storing software instructions, and one or more processors configured to: execute the software instructions to perform operations to display an item on display; store information regarding the item; receive from a customer device captured information regarding the item; receive from the customer device identifying information of a customer; send the identifying information to the customer authentication system; compare the captured information with the information stored in the one or more memory devices; authenticate the customer device based on the comparison; and allow access to the customer account via the ATM after the authentication.

Abstract: A method for flagging journal entries within a general ledger is described. A plurality of assessment routines are executed on transaction lines of the journal entries within the general ledger, each assessment routine of the plurality of assessment routines i) being configured to generate a base score for each transaction line, and ii) associated with a corresponding flagging threshold. A composite score is generated for each transaction line using the base scores generated by the plurality of assessment routines. For each journal entry within the general ledger: the journal entry is flagged when one or more base scores for the journal entry exceed the corresponding flagging thresholds of the assessment routines, or when none of the base scores for the journal entry exceed the corresponding flagging thresholds and the composite score exceeds a composite threshold. A report of flagged journal entries is generated.

Abstract: Systems and methods for identifying and providing unfulfilled services to a user of a provider institution mobile application are provided. A method includes: identifying an unfulfilled service of the user of the provider institution mobile application based on an indication that the user has a pending service that requires further action on behalf of the user; scanning a digital calendar of a mobile device of the user hosting the provider institution mobile application based on receiving a user input to access the digital calendar; determining an availability of the user based on scanning the digital calendar; identifying a current location of the user during the determined availability; determining a plurality of service locations near the identified current location of the user during the determined availability; and prompting the user to visit an identified service location from the plurality of service locations.

Abstract: In some examples, a system renders, in a user interface, data fields of an interface code, the interface code to input or output the data fields in a transaction, and receives a selection, made in the user interface, of a first data field from among the data fields of the interface code. The system modifies the interface code by adding an indicator associated with the first data field, the indicator specifying anonymization of the first data field during the transaction that uses the first data field, the modifying of the interface code producing a modified interface code.

Abstract: Embodiments of the present disclosure provided herein include methods, computer readable mediums, apparatus, and systems for facilitating diagnosis and repair of one or more performance states associated with a computing device.

Abstract: Payment card slot tampering at a transaction terminal is detected in real time. One or more images from one or more cameras are analyzed. The camera(s) is/are focused overhead of the terminal on an area adjacent to and in front of a card slot for a card reader of the terminal. The images are analyzed for determining whether hands of arms for an operator of the terminal are performing actions that indicate the operator may be attempting to install a card skimmer/shimmer into the card slot and/or attempting to remove an existing skimmer/shimmer from the card slot. When card slot tampering event is detected at the terminal a variety of automated actions are processed, such as shutting down the card reader, shutting down the terminal, confiscating any payment card inserted into the card slot, notifying a financial institution, and/or notifying legal authorities.

Abstract: An automated teller machine (ATM) allows a user with accounts at both a first institution and a second institution to use an ATM of the first institution to physically place cash or a check into the ATM of the first institution for deposit into an account at the second institution. In some cases, a failed attempt message may indicate a funds transfer failed due to a network connectivity issue, an inactive payee account, or an expired payee account number. In case of a network connectivity issue, the funds transfer may be reinitiated. In case of an inactive payee account or expired payee account number, funds may be transferred to the first account instead of the second account. The ATM may display an indication of the failed attempt and a confirmation of a transfer to the first account.

Abstract: Disclosed in the embodiments of the present disclosure are an icon updating method and apparatus, and an electronic device. A specific implementation of the method comprises: determining whether a user needs to be prompted to open a preset subpage, wherein the preset subpage has an initial page icon; in response to determining that the user needs to be prompted to open the preset subpage, acquiring a reference image for updating the initial page icon; on the basis of the reference image, generating a first page icon; and updating the initial page icon to the first page icon. In the implementation, by means of updating the initial page icon of the preset subpage to the generated first page icon, the user is prompted to open the preset subpage.

Abstract: A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.

Abstract: A system and method for locating electronic devices and establishing peer to peer communication with electronic devices, such as a currency exchange unit, using a beacon, is disclosed. The method may include determining a location of the currency exchange unit; generating a message indicating a location of the currency exchange unit and the availability of a variety of different currencies; and managing currency exchanges with various mobile devices.

Abstract: An item return transaction for an item is identified at a transaction terminal. The item is authenticated using multiple factors at least some of which are independent of item code identification for the item. A fraud score is calculated based on the multiple factors, item code identification, and data that is specific to a customer associated with the transaction, specific to the item, specific to a store associated with the transaction terminal, and specific to a retailer associated with the store. The fraud score and a customer-return grade for the customer are processed to determine whether the transaction can complete at the terminal without assistance or whether the transaction is to be held in abeyance for an audit (onsite audit or remote network-based audit). In an embodiment, the t terminal is a Self-Service Terminal (SST) and the transaction is a self-item return transaction conducted by a customer at the terminal.

Abstract: Systems and methods are disclosed for the deposit, withdrawal, and reuse of currency for transactions. According to disclosed embodiments, an intelligent teller machine (ITM) is configured to receive currency as payment for a transaction, to calculate and dispense any change due, and to request that the net value of the transaction (e.g., the revenue) be deposited into the financial account of the business. The currency received by the ITM is also available to make change for future purchase transactions.

Abstract: A transaction processing system of the present disclosure includes processing circuitry configured to acquire image data of an image displayed on a display apparatus for displaying a content of a transaction; extract, from the image data, a character or graphic displayed on the display apparatus; analyze a content represented by the character or graphic; and generate instruction information, based on the analyzed content, for controlling a money processing apparatus to perform processing relating to the transaction.

Abstract: Systems and methods of providing multimodal ATM accessibility are disclosed. In one embodiment, an exemplary computer-implemented method may comprise detecting a presence of a wireless device of a user in proximity to the ATM; establishing a communication session between the ATM and the wireless device based on a session key; instructing an app to provide a first graphical user interface (GUI) to the user; authenticating the user for access to the user account at the wireless device based at least on the entered account login information; and commencing, in response to successful authentication of the user, an ATM transaction session for the user by instructing the app to provide a second GUI to the user at the wireless device, the second GUI comprising one or more GUI elements operable by the user to perform one or more ATM transactions with the user account at the wireless device.

Abstract: A computer-implemented method and a system for loading reloadable cards, the computer-implemented method including: receiving, from an automated teller machine (ATM), a loading transaction request, the loading transaction request including a reloadable card identifier associated with a reloadable card, a funding card identifier associated with a funding card, and loading amount information; executing a funding card authorisation process; executing a reloadable card crediting process; and sending loading transaction approval to the ATM.

Abstract: Systems and methods are disclosed for the deposit, withdrawal, and reuse of currency for transactions. According to disclosed embodiments, an intelligent teller machine (ITM) is configured to receive currency as payment for a transaction, to calculate and dispense any change due, and to request that the net value of the transaction (e.g., the revenue) be deposited into the financial account of the business. The currency received by the ITM is also available to make change for future purchase transactions.

Abstract: The present disclosure relates to a money handling apparatus including: a money storage unit configured to store money; a locking unit configured to limit access to the money storage unit; and a control unit configured to give unlock permission to unlock the locking unit to at least one of a plurality of qualified persons who are qualified to unlock the locking unit, and to perform a process involving change of the qualified person.

Abstract: A method performed by a processor of a financial institution computing system includes authorizing an account holder to execute transactions in an MBC from a financial account of the account holder that includes funds in a fiat currency. A transaction request is received, including a request to transfer a first amount of funds from the financial account to a recipient. The first amount is defined in MBC. The financial account is debited by a second amount, which is an amount of fiat currency equivalent to the first amount of MBC. A service call is transmitted to the MBC partner. The service call includes instructions to create a temporary account to hold the MBC, to exchange the second amount from fiat currency to MBC, to credit the temporary account with the funds exchanged to MBC, and to transfer the first amount in MBC from the temporary account to the recipient.

Abstract: Video features encourage and ensure that survey videos are viewed in full. The survey answer block and video rewind, forward fast and mute are disabled during the video presentation. With the user's permission, telephone calls, text messaging and browsing may also be disabled during the video. Interactive responses may be required at various points in the video to ensure that the viewer is paying attention. The viewer's image may be recorded or eye gaze may be tracked while viewing the video. Candidates may be qualified for viewing videos and selected in a priority order by meeting certain demographic conditions, having certain topics of interest identified in their social media profiles, agreeing to post-video direct contact, and having participated in prior video surveys. Potential candidates may be qualified by answering qualifying questions, viewing a teaser video, or responding to a prompt asking them to opt-in to the video survey.

Abstract: A method implemented on an electronic computing device includes receiving a request for an automated teller machine (ATM) transaction from an ATM. Authentication credentials are received of a customer of the ATM. The authentication credentials are associated with the request for the ATM transaction. A notification is received of a failure to execute the ATM transaction at the ATM. In response to the receiving a notification of the failure, a fee modification is issued to the customer of the ATM. The fee modification permits modification of a transaction fee associated with a subsequent ATM transaction at an alternative ATM.

Abstract: Systems and methods for contactless transactions are described. A method includes transmitting, by a mobile device having a provider institution mobile application, a first data payload to a user-interactive device via a first short-range wireless communication, and launching the provider institution mobile application on the mobile device based on the first short-range wireless communication. The method further includes transmitting authentication information to the user-interactive device via a second short-range wireless communication, receiving a request for transaction information from the user-interactive device via the second short-range wireless communication, and transmitting transaction information to the user-interactive device via a third short-range wireless communication as part of the transaction.

Abstract: A network outage and redundancy module which provides improved security, platform independence and continuity in information between financial hardware and enterprise applications.

Abstract: A system comprising a coordinate tracking engine and a video classification engine communicably coupled to a notification engine. The coordinate tracking engine detects that geographical coordinates of a mobile device indicate that an account holder is within a threshold distance of a physical branch of an institution. The notification engine retrieves account information for the account holder. The coordinate tracking engine further detects that the account holder has arrived at the physical branch. The video classification engine captures video frames of an entrance to the physical branch and identifies the account holder. The notification engine further presents account information for the account holder on a display.

Abstract: A computer-implemented for allocating resources is disclosed. The method includes: receiving, from a client device associated with an entity, input including a selection of a first operation; obtaining a threshold quantity of resources associated with the first operation; allocating a first quantity of resources associated with the entity to the first operation; detecting a trigger condition for obtaining resources associated with the first operation; and in response to detecting the trigger condition for obtaining resources associated with the first operation: determining a second quantity of resources associated with the entity for allocation to the first operation based on a difference between the threshold quantity of resources associated with the first operation and the first quantity of resources; and transmitting, to the client device, a signal representing a message indicating the second quantity of resources.

Abstract: Systems, computer program products, and methods are described herein for intelligent resource usage modification based on resource services.

Abstract: An ATM pre-registration tool allows a user to request an amount of cash from an ATM before traveling to that ATM. The pre-registration tool receivers a user's request and determines whether a specified ATM contains the requested cash. If the ATM does not contain the requested cash, the pre-registration tool informs the user that the ATM does not contain sufficient funds to fulfill the user's request. If the ATM contains the requested cash, the pre-registration tool instructs the ATM to reserve that cash for the user.

Abstract: Systems, methods, and apparatuses for implementing commerce rewards across tenants for commerce cloud customers utilizing blockchain technologies in conjunction with a cloud based computing environment are described herein.

Abstract: A method for operating a support system for preventing a motor vehicle from being left stranded due to a lack of drive energy is disclosed. The, wherein the motor vehicle has at least one driver assistance system and an internal combustion engine, which is operated with fuel as a first energy source of drive energy, and/or an electric motor, which is operated with electric energy of a battery as a second source of drive energy. The motor vehicle is autonomously driven to a charging and/or filling location using a vehicle system, which is designed to guide the motor vehicle in a fully automatic manner, when an emergency criterion is met which is constantly evaluated during an operational phase of the motor vehicle, and indicates to the driver that the motor vehicle will be left stranded if a charging and/or filling process is not carried out.

Abstract: Disclosed herein are system, method, and computer program product embodiments for allowing completion of cardless ATM transactions at an ATM using a barcode that encodes an identifier for that ATM. A user of a mobile banking app may begin a transaction on their mobile device and, upon reaching a stage of the transaction where ATM access is needed (e.g., to withdraw physical cash), requests that the user visit an ATM to scan the barcode. When the mobile app scans the barcode, the ATM displaying the barcode is associated with the transaction, and completes the transaction (e.g., by dispensing cash). This barcode, while usable to identify the ATM for this purpose, also provides additional information that can be obtained by any barcode reader. This additional information may, for example, be a link to a website that provides an explanation about this service.

Abstract: A system and method are provided for monitoring events in process management systems. The method is executed by a device having a communications module and includes receiving via the communications module first event data from at least one process management system, the first event data comprising a unique identifier associated with a corresponding process flow. The method also includes storing the first event data in an event repository of the memory. The method also includes, asynchronously from receiving the first event data, providing second event data to a monitoring tool via the communications module, by accessing the first event data stored in the event repository, to enable events associated with all of the at least one process management system to be viewed, to initiate feedback to the at least one process management system for updating or advancing process workflows, and to enable notifications to be sent to clients of the at least one process management system.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for conducting cardless payment transactions. One of the methods includes receiving from a first device of a first user a first message requesting a payment transaction with a second user. Using an identifier of the second user provided by the first device, sending a second message to a second device of the second user requesting approval of the transaction, wherein the second message includes an approval code. A third message is received from the second device. If the third message includes the provided approval code and is received within a threshold amount of time, the payment transaction is processed using account information received in the first message.

Abstract: Computer implemented systems and methods are provided for an automatic teller machine. In some embodiments, an automatic teller machine may comprise a touch-sensitive display, one or more memory devices storing instructions, and one or more processors. The one or more processors may be configured to receive authentication data associated with a user, retrieve user profile information based on the authentication data, determine user interface attributes based on the user profile information; and generate an automatic teller machine interface based on the user profile information.

Abstract: An automated system and method of payroll processing for charitable contributions. A self-service user interface prompts an operator to identify preferences for charitable projects. A charitable giving profile for the operator is generated from the preferences for charitable projects identified by the operator. Suggested charitable projects for the operator are identified using the charitable giving profile for the operator. Project information for the suggested charitable projects is displayed on the self-service user interface. Pay for the operator, including a donation of funds from the pay for the operator to the suggested charitable projects, is automatically processed. Funds from the pay for the operator are automatically distributed to the suggested charitable projects.

Abstract: Systems and methods are disclosed for the deposit, withdrawal, and reuse of currency for transactions. According to disclosed embodiments, an intelligent teller machine (ITM) is configured to receive currency as payment for a transaction, to calculate and dispense any change due, and to request that the net value of the transaction (e.g., the revenue) be deposited into the financial account of the business. The currency received by the ITM is also available to make change for future purchase transactions.

Abstract: A system and method for locating electronic devices and establishing peer to peer communication with electronic devices, such as a currency exchange unit, using a beacon, is disclosed. The method may include determining a location of the currency exchange unit; generating a message indicating a location of the currency exchange unit and the availability of a variety of different currencies; and managing currency exchanges with various mobile devices.

Abstract: A charger system comprising a charging station including a plurality of nests for chargers is described. Each of the plurality of nests is designed to partially eject the charger when instructed to do so, and further comprises a nest lock to lock in the charger into the nest when not ejecting. The charger system interacting with a user account, enabling a user to request the charger, wherein the charger is ejected from the nest for a valid request.

Abstract: Systems, methods, and apparatuses for maintaining a balance or level of cash stored within a plurality of terminals at a point of sale location are described herein. A provider computing system receives a pre-staging request and transaction information from a customer device. The provider computing system receives terminal information about a plurality of terminals from a point of sale computing system. The provider computing system then determines an appropriate terminal of the plurality of terminals for the customer to complete their intended transaction based on the transaction information and the terminal information, and transmits a notification indicating the appropriate terminal to the customer device.

Abstract: A system includes a customer authentication system, and an automatic teller machine (ATM). The ATM includes a display, one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to perform operations to: display an item on the display; store information regarding the item; receive from a customer device captured information regarding the item; receive from the customer device identifying information of a customer; send the identifying information to the customer authentication system; compare the captured information with the information stored in the one or more memory devices; authenticate the customer device based on the comparison; and allow access to the customer account via the ATM after the authentication.

Abstract: A computer-implemented method is disclosed. The method includes: determining a current configuration of at least one cassette loaded into an automated teller machine; and automatically configuring one or more user interface settings of the automated teller machine based on the current configuration of the at least one cassette.

Abstract: A system includes a network interface circuit and a processing circuit configured to receive a physical currency transaction request from a first user device, the physical currency transaction request including a currency exchange transaction parameter, match the physical currency transaction request to another physical currency transaction request based at least in part on the currency exchange transaction parameter, provide the physical currency transaction request to a second user device associated with the another physical currency transaction request, geo-fence an area based on at least one of the currency exchange transaction parameters or a current location of the first user device, determine an exchange location based on the geo-fenced area and the matched physical currency transaction request and another physical currency exchange request, and provide instructions to the first user device and the second user device for an exchange based on the determined exchange location.

Abstract: Aspects of the disclosure relate to enhanced check processing systems with improved check validation features and enhanced information security. A computing platform may determine whether a correlation between source data and metadata associated with a check exceeds a predetermined correlation threshold. Based on determining that the correlation does not exceed the predetermined correlation threshold, the computing platform may direct an OCR computing system to perform character recognition on the check. Then, the computing platform may determine whether a discrepancy between the metadata and an OCR output from the OCR computing system exceeds a predetermined resolution threshold. In response to determining that the discrepancy between the OCR output and the metadata does not exceed the predetermined resolution threshold, the computing platform may update stored records associated with the check.

Abstract: Aspects of the disclosure relate to preventing unauthorized access to secured information systems using advanced biometric authentication techniques. A computing device may receive input requesting to login to a user account associated with a mobile banking application installed on the computing device. The computing device may send, to a client authentication computing platform, a first authentication request and receive, from the client authentication computing platform, one or more authentication prompt commands. The computing device then may present one or more authentication prompts and collect, from one or more linked wearable devices, one or more advanced biometrics. After validating the one or more advanced biometrics, the computing device may send, to the client authentication computing platform, authentication response data. Thereafter, the computing device may receive mobile banking user interface information and present one or more mobile banking user interfaces.

Abstract: A system may retrieve a pattern from a pattern database with the pattern identifying a type of sensitive data. The system may also retrieve data identified by a variable from a big data management system. The system may then match the data to the pattern to detect the type of sensitive data in the data. An output may be generated in response to the data matching the pattern. A variable access permission may be retrieved for the variable from a permissions repository, a sensitive data permission may be retrieved for the type of sensitive data from the permissions repository, and the variable access permission may be compared to the sensitive data permission to detect a discrepancy.

Abstract: A system and method for locating mobile communication devices in a peer to peer communication using a beacon. The system and method include determining a first location of a first mobile communication device and transmitting the beacon from the first mobile communication device, which may be received by a second mobile computing device. In response to the beacon, the first mobile communication device may receive a message from a second mobile communication device. A peer to peer communication between the first mobile communication device and the second mobile communication device based on the message may be established. The first mobile communication device may receive a second location of the second mobile communication device from the second mobile communication device, and display both the first location and the second location on a map of the first mobile communication device.

Abstract: The present disclosure relates to systems and methods for using transparent surfaces at an automated teller machine. In one implementation, a method of visualizing a deposit at an automated teller machine includes receiving a command to deposit at least one depository element; determining an amount associated with the command; displaying, on a transparent surface of the automated teller machine configured to allow a user of the automated teller machine to view the at least one depository element, a visual representation of the determined amount; and receiving, concurrent with or after displaying, a verification of the amount.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of funds transfer authentication. The authentication can include receiving a transfer request to transfer funds from a payer to a payee, the transfer request identifies the payer, the payee, and an amount to transfer. Customer information associated respectively with the payer and the payee is identified. The payer and the payee are authenticated. A communication session is opened between the payer and payee. A time-limited payee OTP is generated and sent to the payee. The payee OTP is received within a first time limit. The funds are transferred from the payer to the payee based on receiving a matching payee OTP.

Abstract: Systems and methods for contactless ATM transactions are described. A method includes: transmitting a first data payload to the ATM via a first short-range wireless communication; receiving a request for authentication information regarding a user of the mobile device via the first short-range wireless communication; launching a provider institution mobile application on the mobile device based on the request for authentication information; receiving authentication information based on the request; transmitting the received authentication information to the ATM via a second short-range wireless communication; receiving a request for transaction information from the ATM via the second short-range wireless communication; and transmitting desired transaction information to the ATM as part of the ATM transaction.

Abstract: There are disclosed devices, system and methods for automatic exchange of change for cash using a smart safe. The safe has a computing device for receiving a selection from a merchant to exchange cash for change having a total value, and an identification of the denominations of the coins and cash of the change desired. The safe has a secure chamber for receiving cash deposits from the merchant and a sensor for counting the secured cash. The computing device sends an exchange agent the selection from the merchant to exchange the cash with the change, and the identification of the denominations of the change desired. A courier is contacted, retrieves the cash deposited, and exchanges the change for the equal value of cash.

Abstract: The present application provides a service processing method, apparatus and server, and the method includes: when a first user logs on a client device based on a first account, receiving an operation request for requesting a service operation from the first user; according to the first account, searching account binding relationship which has been stored; if a second account of a second user bound with the first account is found, permitting the first user to accomplish the service operation using the second account authority of the second account; after the first user accomplishes the service operation using the second account authority of the second account, updating the second account information of the second account according to the operation result of the service operation.

Abstract: Systems and methods for secure and efficient transaction resolution and execution are provided. A method may include capturing, via a camera embedded in a smart card, an image of an object. The object may be associated with one of a plurality of service categories. The method may include processing the image and determining the service category, from the plurality of service categories, which is associated with the object. The method may also include determining a service provider that provides the service of the service category for a user associated with the smart card, and determining a monetary balance owed by the user to the service provider for the service. The method may also include executing a payment, via a wireless communication element that is embedded in the smart card, in the amount of the monetary balance, from an account associated with the user to the service provider.