Abstract: The present disclosure provides systems and methods for implementing a self-service terminal (“SST”) monitoring, notification and maintenance system. Embodiments of the proposed invention may simplify a task of locating an operational SST having a specific operational status and/or capability within a geographic area. Embodiments may automatically determine and monitor an operational status and/or capabilities of a SST. The operational status may include an operational status indicative of a SST that need servicing or repair. A location of a device used to submit a request for SST information may be automatically determined. Location, operational status and directions on how to locate a specific SST within a distance of the determined location may be transmitted in response to a request for SST information. The operational status of multiple SSTs within a geographic area may be monitored.

Abstract: Systems and methods for permitting a specific individual to deposit monetary funds in an account are described. A first request to permit a specific individual to deposit monetary funds into an account associated with an entity may be received. The specific individual is not an account owner of the account. At least one account owner defined criterion identifying the specific individual is received, and data representing a permission for the specific individual to deposit monetary funds into the account associated with the entity is stored. The at least one criterion may include a name, an address, and/or some other identifier of the specific individual. One or more restrictions may be placed on the ability to deposit monetary funds in the account. Additional specific individuals with similar and/or different restrictions on the ability to deposit may be permitted to deposit monetary funds into the account.

Abstract: Methods, systems, and computer-readable media are provided for resilient document image production. During a document deposit transaction, such as a check deposit, a self-service device, such as an automated teller machine (ATM), may experience a fault. In some instances, an image of the document may have been scanned prior to experiencing the fault. The self-service device may retrieve one or more scanned images, for example, over a time window prior to the fault, such as 5 minutes, and allow access to the retrieved images. A processing entity may access the retrieved images, determine that one of the retrieved images is associated with the first document deposit transaction, and resolve a claim for the document deposit transaction.

Abstract: A method for predicting failure in an Automated Teller Machine (ATM) is provided. The method may include using a database to store information relating to the performance of a component function by an ATM component. The information may include normal performance information and fault information. The method may further include using a computational module to calculate a fault rate for the ATM component. The method may also include using a processor to compare the calculated fault rate to a threshold value associated with the component function. In the event that the fault rate exceeds the threshold value, the processor may initiate a request for service of the ATM component.

Abstract: Systems and methods for permitting a credit card payment are described. An individual associated with a credit card account of an entity may be identified. A request to permit the individual associated with the credit card account of the entity to deposit a credit card payment in a self-service financial transaction device associated with the entity may be received. An identifier of the individual associated with the credit card account may be read. A request from the individual to deposit monetary funds as the credit card payment into the self-service financial transaction device may be received, and a determination may be made as to whether the individual is authorized to make the deposit. Monetary funds from the individual for deposit as the credit card payment may be received. One or more restrictions may be placed on the ability to deposit monetary funds as the credit card payment.

Abstract: Apparatus and methods for adaptive network throttling are provided. Adaptive network throttling may allow a device to communicate information using a shared network link without negatively impacting other devices utilizing the shared link. Adaptive network throttling may regulate communication of each device independently of network link or device hardware specifications. Adaptive network throttling may ensure that each device utilizing the shared network link inserts a time delay following a communication of information. The time delay may represent bandwidth on the shared network link that is not being used by a device. The unused bandwidth may be available to other devices communicating over the shared network link.

Abstract: A method and apparatus for rebuilding an ATM computer image in an Automatic Teller Machine (ATM) is provided. The computer of the ATM is configured to depend on key system files. The key system file may be used to recreate a viable machine image in the event that the ATM “crashes” or some files become corrupted. If key system files are found cannot be verified upon a reboot, a copy of key system file is sought. The ATM first searches for the key system files in ATMs that are connected to a common switch. If the nearby ATMs do not have a copy of key system files than a succession of searches are made across local area networks and wide area networks. Key system files may reside on similar ATMs, dissimilar ATMs, servers, terminals and network drives. If key system files can be located then the ATM may automatically restore a viable machine image and reboot. Otherwise manual intervention is required.

Abstract: Apparatus and methods for adaptive network throttling are provided. Adaptive network throttling may allow a device to communicate information using a shared network link without negatively impacting other devices utilizing the shared link. Adaptive network throttling may regulate communication of each device independently of network link or device hardware specifications. Adaptive network throttling may ensure that each device utilizing the shared network link inserts a time delay following a communication of information. The time delay may represent bandwidth on the shared network link that is not being used by a device. The unused bandwidth may be available to other devices communicating over the shared network link.

Abstract: A method for predicting failure in an Automated Teller Machine (ATM) is provided. The method may include using a database to store information relating to the performance of a component function by an ATM component. The information may include normal performance information and fault information. The method may further include using a computational module to calculate a fault rate for the ATM component. The method may also include using a processor to compare the calculated fault rate to a threshold value associated with the component function. In the event that the fault rate exceeds the threshold value, the processor may initiate a request for service of the ATM component.

Abstract: Thus, methods and apparatus for providing adaptive diagnostics for ATM fault conditions are provided. Such methods and apparatus may include one or more computer-readable media storing computer-executable instructions which, when executed by a processor on a computer system, perform a method for diagnosing an electronic self-service device fault condition. The method may include receiving an input from a self-service device. The input may include information regarding a fault-related event. The method may also include assessing a plurality of system-level ramifications of the fault-related event. In response to the assessing, the method may further include determining continued viability of a plurality of ATM services. The method may also include electronically providing a notification of a list of remaining viable self-service device services.

Abstract: Thus, methods and apparatus for providing adaptive diagnostics for ATM fault conditions are provided. Such methods and apparatus may include one or more computer-readable media storing computer-executable instructions which, when executed by a processor on a computer system, perform a method for diagnosing an electronic self-service device fault condition. The method may include receiving an input from a self-service device. The input may include information regarding a fault-related event. The method may also include assessing a plurality of system-level ramifications of the fault-related event. In response to the assessing, the method may further include determining continued viability of a plurality of ATM services. The method may also include electronically providing a notification of a list of remaining viable self-service device services.

Abstract: Systems and methods for permitting a credit card payment are described. An individual associated with a credit card account of an entity may be identified. A request to permit the individual associated with the credit card account of the entity to deposit a credit card payment in a self-service financial transaction device associated with the entity may be received. An identifier of the individual associated with the credit card account may be read. A request from the individual to deposit monetary funds as the credit card payment into the self-service financial transaction device may be received, and a determination may be made as to whether the individual is authorized to make the deposit. Monetary funds from the individual for deposit as the credit card payment may be received. One or more restrictions may be placed on the ability to deposit monetary funds as the credit card payment.

Abstract: Systems and methods for generating an access code are described. A first request to generate an access code for permitting a first individual to deposit monetary funds into an account associated with an entity is received. The first individual is not an account owner of the account. The access code for permitting the first individual to deposit monetary funds into the account associated with the entity is generated. A second request to output the access code for permitting the first individual to deposit monetary funds into the account associated with the entity is received, and the access code for permitting the first individual to deposit monetary funds into the account associated with the entity is outputted. One or more restrictions may be placed on the ability to deposit monetary funds in the account.

Abstract: Systems and methods for depositing monetary funds into an account are described. A first request from a first individual to deposit monetary funds into an account associated with an entity may be received. The first individual is not an account owner of the account. Monetary funds from the first individual may be received for deposit in the account. The monetary funds may include cash, checks, credit card transfers, and/or debit card transfers. The receipt of the first request may be receipt of a paper ticket with an access code authorizing deposit of monetary funds into the account. One or more restrictions may be reviewed to authorize the deposit of monetary funds in the account.

Abstract: Systems and methods for permitting a specific individual to deposit monetary funds in an account are described. A first request to permit a specific individual to deposit monetary funds into an account associated with an entity may be received. The specific individual is not an account owner of the account. At least one account owner defined criterion identifying the specific individual is received, and data representing a permission for the specific individual to deposit monetary funds into the account associated with the entity is stored. The at least one criterion may include a name, an address, and/or some other identifier of the specific individual. One or more restrictions may be placed on the ability to deposit monetary funds in the account. Additional specific individuals with similar and/or different restrictions on the ability to deposit may be permitted to deposit monetary funds into the account.

Abstract: Thus, methods and apparatus for providing adaptive diagnostics for ATM fault conditions are provided. Such methods and apparatus may include one or more computer-readable media storing computer-executable instructions which, when executed by a processor on a computer system, perform a method for diagnosing an electronic self-service device fault condition. The method may include receiving an input from a self-service device. The input may include information regarding a fault-related event. The method may also include assessing a plurality of system-level ramifications of the fault-related event. In response to the assessing, the method may further include determining continued viability of a plurality of ATM services. The method may also include electronically providing a notification of a list of remaining viable self-service device services.