Abstract: A paper sheet processing device includes: an input unit into which paper sheets are input from the outside; an identification unit for identifying the paper sheets fed out from the input unit while allowing them to pass through in a first direction and identifying the paper sheets while allowing them to pass through in a second direction opposite to the first direction; a temporary storage unit for temporarily storing the paper sheets identified as being acceptable by the identification unit; a payout unit for accommodating the paper sheets identified as being unacceptable by the identification unit so as to be able to be taken out to the outside; and a storage unit for storing the paper sheets fed out from the temporary storage unit and identified by the identification unit while being allowed to pass through the identification unit in the second direction, wherein the paper sheets fed out from the temporary storage unit and identified by the identification unit while being allowed to pass through the identi

Abstract: Systems, methods, and apparatuses described herein relate to a method for delivering cash to a user. The method includes receiving a cash delivery request from a first user device of the user. The method includes generating a cash authentication code (CAC) for the cash delivery request to be verified by a cash dispenser machine. The method may include transmitting the cash delivery request and the CAC to a second user device of a driver. The method may include determining a route for the driver from a first location of the driver, to a second location of a cash dispenser machine, and to a third location of the customer to deliver the cash delivery request. The method may include instructing the cash dispenser machine to dispense cash in response to authenticating the second user device based on the CAC and determining that the first current location is at the second location.

Abstract: A system for detecting mounting of a card skimmer at an automated teller machine receives detection data from sensors. The system converts the detection data from the time domain to the frequency domain using a wavelet transform to generate a wavelet matrix of coefficients. The system includes a convolutional neural network model to identify features in the wavelet matrix. The system generates a rain alert signal based on the identified features. The system includes a long short-term memory recurrent neural network model to determine a sequence of (i) an idle state, (ii) a hand approach state, and (iii) a card skimmer mounting state based on the detection data. The system generates a tamper alert signal based on the sequence determination.

Abstract: A paper sheet stacking device includes: a conveyance mechanism that conveys paper sheets; a stacking mechanism including a stacking space in which the paper sheets, which are conveyed by the conveyance mechanism, are stacked, a first space regulating member that moves in a thickness direction of the paper sheets in the stacking space, a support member that extends in the moving direction of the first space regulating member and supports one side of the paper sheets in the stacking space, and a second space regulating member that is provided to face the support member and moves in a direction toward and away from the support member; and a controller that controls the stacking mechanism. The controller controls a position of the second space regulating member in accordance with an outer dimension of the paper sheets that are conveyed into the stacking space by the conveyance mechanism.

Abstract: Data is automatically collected; the data relevant to user attributes. That data is provided as factors for passive authenticating the user for access to a device and/or a resource. In an embodiment, the data is used to establish a profile or a pattern for the user.

Abstract: An accounting system according to the present invention include: an information display device including a first memory; and at least one first processor coupled to the first memory. The first processor performs first operations. The first operations includes: causing a first camera to image a person, and causes a display to display a code based on physical characteristics peculiar to the imaged person. An information processing device includes a second memory; and at least one second processor coupled to the second memory. The second processor performs second operations. The second operations includes: causing a second camera to image the code displayed by the information display device, acquiring accounting information of the person using the imaged code, and executing accounting processing using the accounting information.

Abstract: Systems and methods for fraud detection and prevention is disclosed. The system may receive a transaction request for a first customer including a transaction location, transaction time stamp, and merchant type code. The system may determine whether the transaction location is expected for the first customer. When the transaction location is unexpected, the system may identify a last-known video detection having a last-known time stamp and last-known location. The system may determine a travel time estimate between the last-known location and the transaction location and determine a buffer based on the merchant type code. The system may compare the travel time estimate to an allotted time that includes a difference between the transaction time stamp and last-known time stamp less the buffer. When the travel time estimate exceeds the allotted time, the system may execute one or more fraud prevention steps.

Abstract: A transaction is detected on a transaction terminal. A first code is presented on a display of the transaction terminal that is encoded with an identifier and a passcode for a wireless connection between the transaction terminal and a mobile device operated by a customer. The mobile device processes the code to wirelessly connect to the transaction terminal using the identifier and the passcode. A second code is presented on a display of the transaction terminal. The second code when captured by the mobile device causes a transaction interface to be remoted from the transaction terminal to the mobile device over the wireless connection. The transaction continues with interactions provided on the mobile device and processed on the transaction terminal without any customer touching of the display of the transaction terminal and without any customer touching of any keys or keypad of the transaction terminal.

Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.

Abstract: The various embodiments herein each include at least one of systems, methods, and software for presence aware terminals. Some such embodiments enable a user carrying a mobile device, such as a smartphone, tablet, smartwatch, or a handheld computing device having a radio device (e.g., BLUETOOTH® or Near-Field Communication (NFC)) to be automatically recognized at a terminal. One such embodiment is in the form of a method that executes on a terminal. This method includes transmitting a first signal encoded with data identifying a device-type and receiving a second signal encoded with data including an account identifier. The method may then present a user interface to facilitate user interaction with an account of the account identifier.

Abstract: A ticket for managing cryptocurrency. The ticket incorporates a redeeming code in combination with a loading code for activating the redeeming code. At the same time, however, the loading code also prohibits access to the underlying redeeming code, thereby preventing use. Therefore, in order to access the redeeming code and redeem the ticket of cryptocurrency, the loading code is inherently destroyed by removal. Thus, the ticket is no longer practically able to be re-loaded and is thus, single-use, thereby aiding in user understanding and management of cryptocurrency.

Abstract: In an example embodiment, there is disclosed herein a technique that allows the capabilities of an automated banking machine, such as an ATM, to be upgraded remotely. For example, the banking machine may be sold or leased with an initial configuration. If the customer desires to add additional features, the customer can pay for the features and the manufacturer or dealer can send a signal from a remote host to the automated banking machine with data representative of the upgrade. The banking machine then operates with the upgraded configuration.

Abstract: Various embodiments are directed to systems and methods for remotely monitoring cash reserves within a plurality of cash handling devices, and for automatically initiating change orders to maintain optimal levels of cash reserves within those cash handling devices. Certain embodiments remotely monitor closing transaction data received from those cash handling devices. Based at least in part on portions of data reflected within the closing transaction data, retrieve historical usage data relating to a forecast period; generate a usage forecast for the forecast period, and based on the generated usage forecast and the closing transaction data, generate message data for transmission to external systems to facilitate the maintenance of optimal cash reserves within those cash handling devices.

Abstract: A banknote handling apparatus includes a plurality of storage mechanisms that are provided for each type of paper sheet and store a corresponding paper sheet, a distinguishing unit that distinguishes a first paper sheet input, a detection unit that detects that the first paper sheet is conveyed to a corresponding storage mechanism specified according to a result of distinguishing, and a drive control unit that controls driving of a gate portion that switches a conveyance pathway to the corresponding storage mechanism according to a positional relationship between the first paper sheet and a forward paper sheet conveyed earlier than the first paper sheet when conveyance of the first paper sheet is detected.

Abstract: A card processing device is structured to process a card having a plurality of information recording parts from which information is capable of being optically read. The card processing device includes a placing part which is formed with a placing face on which the card is placed, a reading part which is provided on an upper side with respect to the placing face and is capable of optically reading information from at least one information recording part of the plurality of information recording parts, and an attaching part for detachably attaching a cover member which covers the at least one information recording part of the plurality of information recording parts provided on the card which is placed on the placing face.

Abstract: This disclosure describes, in part, a payment service that associates customer profiles with an identifier of a payment instrument, and then uses the customer profiles to identify a customer that is using the payment instrument during a transaction with a merchant. For instance, in some examples, the payment service can identify preferences of customers using transaction information that includes an identifier for a payment instrument, and associate the preferences with respective customer profiles. The payment service can then receive transaction information associated with a transaction between a customer and a merchant, identify preferences of the customer using the transaction information, compare the preferences of the customer with preferences stored in the customer profiles, and identify the customer based on the comparing. The payment service can further generate a receipt for the transaction and send the receipt to contact information of the customer.

Abstract: A method of encoding a transaction flow is described. The method comprises: receiving information from a user about a transaction type to be executed; creating a transaction flow comprising a sequence of states, where at least some states include text to be displayed and inputs to be enabled for that state; and encoding the transaction flow into a machine-readable code.

Abstract: Systems and methods are disclosed for authenticating electronic payment transactions associated with a merchant. The systems and methods include collecting and storing user validation credentials associated with a consumer and a payment vehicle. When completing a payment transaction, a fraud detection engine compares payment transaction data against the stored user validation credentials for payment authorization.

Abstract: A valuable media sanitizing/cleansing cassette is provided for sanitizing/cleansing surfaces of valuable media dispensed to a consumer during a dispense transaction at a transaction terminal. Dispensed media is urged from one or more media cassettes within the terminal along a transport path. The transport path is altered to pass the media through the sanitizing/cleansing cassette where the top and bottom surfaces of the media are illuminated with Ultraviolet (UV) radiation to eradicate any bacteria or virus that may be adhered to the top or the bottom surfaces of the media. Once the media passes through the sanitizing/cleansing cassette, the now sanitized/cleansed media is urged along a remainder of the transport path and dispensed from a media interface of the terminal to the consumer. In an embodiment, media deposited at the terminal is also sanitized/cleansed by passing through the sanitizing/cleansing cassette before being stored in the appropriate media cassettes.

Abstract: Disclosed herein are system, method, and computer program product embodiments for using a third party dynamic QR code on a personal mobile device to complete a transaction at an ATM. The customer may stage a transaction using a mobile application on a mobile device. Upon the staged transaction being authenticated and approved, a machine-readable image may be transmitted to the mobile device. When the customer visits the ATM, the machine-readable image on the mobile device may be captured by the ATM and sent to an application server from the ATM. The application server may associate the ATM with the staged transaction that is staged using the mobile application, and send instructions to the ATM to dispense cash according to the staged transaction.

Abstract: A computer-implemented method for demonstrating a personalized automated teller machine (ATM) presentation to a user may include: obtaining transaction data of the user via a device associated with the user; obtaining, via the one or more processors, geographic data of the user based on the transaction data; generating, via the one or more processors, ATM data based on the geographic data of the user; obtaining, via the one or more processors, user feedback data based on the ATM data, wherein the user feedback data comprises a selection of an ATM of the list of the ATMs; transmitting, to the selected ATM of the list of the ATMs, presentation data based on the transaction data and the user feedback data; and demonstrating, via the selected ATM of the list of the ATMs, the personalized ATM presentation to the user based on the presentation data.

Abstract: A method is performed at an electronic payment module with one or more processors, memory, a slave interface that couples the module with an unattended machine via a multi-drop bus (MDB), and one or more host interfaces that couple the module with at least one payment peripheral of the unattended machine. The method also includes: receiving, from a refund center, a request to issue an approved refund of a predetermined amount and one or more criteria that must be satisfied before dispensing the predetermined amount. In accordance with a determination that the one or more criteria are met, the method includes issuing (i) a signal to the unattended machine, via the slave interface, that the at least one payment peripheral is unavailable and (ii) a signal to the at least one payment peripheral, via the one or more host interfaces, to dispense the predetermined amount.

Abstract: Described herein is a method comprising performing optical character recognition on at least one region of a display screen to determine at least one displayed character; identifying, from the determined at least one displayed character, a monetary value to be dispensed; and in response to identifying the monetary value to be dispensed, causing to be dispensed at least one money item corresponding to the identified monetary value. Further described is a method comprising determining, using at least one money item denominating apparatus, a monetary value of at least one received money item; in response to determining the monetary value, automatically providing at least one simulated user input to the interactive user interface indicative of the determined monetary value.

Abstract: A method of enabling an employee to utilize earned and unpaid earnings includes receiving, with a with a central office processor, a record of an employee's accrued and unpaid earnings for a predetermined time period and storing the record in a database. The method further includes receiving, with the central office processor, an electronic request from an employee to access the employee's record of accrued and unpaid earnings for the predetermined time period. Upon receipt of the request, the central office processor accesses the database including the record of the employee's accrued and unpaid earnings for the predetermined time period and determines an amount of the employee's accrued and unpaid earnings for the predetermined time period available to the employee and transmits the amount for display to the employee.

Abstract: Methods and apparatus consistent with the present disclosure allow a customer or payor to select from a plurality of nearby vendors or payees when a computing device of the payor is physically close to electronic devices of the payees. Payee devices and locations of those payee devices may be identified and displayed on a display of a payor device. Once displayed, a specific payee device may be selected by the customer and an order for a product or service may be sent to the selected payee device from the payor device. After the product or service has been provided to the customer, information that confirms that purchase may be sent to any of the selected payee device, the payor device, or a payment processing computer and funds to pay for the product or service may be deposited into an account of the payee based on the confirmation.

Abstract: A method for associating perception data with a first content, which is implemented by a processor includes: triggering at least one capture using a capturing device in the direction of at least one individual, referred to as an observer, consulting the first content, the result of the capture being designated as second content; analyzing distinctive elements of the second content and transposing the distinctive elements into perception data; and associating the perception data with the first content.

Abstract: A method is for processing sheet material, in particular value papers, such as banknotes, checks, etc., in which different groups of sheet material are processed one after the other. The different groups of sheet material are separated for processing. In the processing of different groups of sheets materials, which are separated from one another by separation cards arranged respectively at the beginning of the different groups of sheet material, a first processing, in which separation cards and unrecognized sheet material are sorted out, should be followed by a second processing of the sorted-out separation cards and of the unrecognized sheet material, in which separation cards to which no unrecognized sheet material is assigned are sorted out.

Abstract: Systems and techniques for operating system integrated image capture guidance are described herein. An indication may be received of an object to be captured for completing a transaction. Configuration data may be obtained for an image of the object. The configuration data may indicate an orientation of the object in the image. An image of the object may be obtained from an imaging sensor of a device. A discrepancy may be determined between the orientation of the object in the image using the configuration data. Orientation guidance may be generated that indicates repositioning of the object in the image. It may be determined that the discrepancy between the orientation of the object in the image has been eliminated. Capture guidance may be generated for output via the device based on a set of commands determined based on detection of an operating system executing on the device.

Abstract: In certain embodiments, the use of re-usable cold storage keys to sign messages may be facilitated. In some embodiments, an offline computer system (operating within an offline computing environment) may obtain, from a removable computer-readable storage medium, signing key shards corresponding to a signing private key and a blockchain transaction to be signed, where the signing key shards satisfy a key shard threshold that is (i) a number of key shards required for reconstructing the signing private key and (ii) less than a number of key shards derived from the signing private key using a ceremony key. The offline computer system may form a ciphertext of the signing private key using the signing key shards and reconstruct the signing private key by decrypting the ciphertext using the ceremony key. The offline computer system may sign the blockchain transaction using the signing private key.

Abstract: A cash depositing system for a user to deposit cash into a user's account via a store, is provided with: a cash handling apparatus that recognizes and counts cash deposited by the user at the store, and obtains an amount of the cash; and a management server that acquires the amount of the cash and account information of the user, and determines whether or not a fund equivalent to an account deposit amount to be deposited into the user's account can be obtained from the store to a management company. In case where the management company can obtain the fund from the store, the management server instruct an external device, which performs account handling for moving the fund between an account of the management company and the user's account, to perform the account handling.

Abstract: Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.

Abstract: The virtual code-based financial transaction providing method according to an embodiment of the inventive concept includes a step S200 for receiving a virtual code provided by a virtual code generation means, by a virtual code verification means, a step S400 for extracting multiple detailed codes included in the virtual code by the virtual code verification means, a step S1000 for searching for a storage location of an actual card number on the basis of the multiple detailed codes by the virtual code verification means, and a step S1200 for performing a financial transaction or for making a request for performing a financial transaction with the actual card number extracted from the storage location.

Abstract: A provider institution computing system includes a customer database storing customer information, a network interface circuit structured to enable an exchange of information over a network, and a transaction circuit generating trackable transaction requests.

Abstract: The present disclosure relates to a medium processing apparatus, including: a banknote device configured to process a banknote, including a banknote device door arranged at an opening of a safe box and being movable between an open position and a closed position; a banknote device lock configured to switch the banknote device door between a locked state and an unlocked state, a loose coin device configured to process a loose coin, including a loose coin device door arranged at an opening of a safe box and being movable between an open position and a closed position; a loose coin device lock configured to switch the loose coin device door between a locked state and an unlocked state, wherein the banknote device lock and the loose coin device lock perform a switching between the locked state and the unlocked state independently from each other.

Abstract: A service uses a system of servers and specialized interfaces to facilitate transfer of value from a gift card to an open loop card of a user. The service may support user-facing interfaces that interact with customers. The service may also support an API-based interface with a gift card processor to obtain gift card value, effect the value transfer, and confirm that the gift card value has been depleted. The service may also include a programmatic interface to various transaction processor services such as associating the transferred value with a personal account number of the user, a merchant associated with the original gift card, transaction monitoring, and messaging services that provide status information to the user.

Abstract: A method for offering at least one credit product by at least one credit issuer to a consumer at a point-of-sale between a merchant and the consumer. The method includes the steps of: providing a credit issuer data set including a plurality of data fields to a central database; initiating a transaction between the consumer and the merchant at the point-of-sale; offering, to the consumer at the point-of-sale, the at least one credit product; and presenting, to the consumer at the point-of-sale, at least one data field in the credit issuer data set. The at least one data field presented to the consumer is populated with data directed to the credit product, the credit issuer, or any combination thereof. An apparatus and system are also disclosed.

Abstract: A control unit performs a reconciliation process in a case where an error occurs while a transport unit is transporting media to a temporary storage unit or a storage unit and the number of media stored in a memory becomes uncertain, the reconciliation process being a process in which the control unit checks the number of media stored in the memory using the temporary storage unit while at least a part of the media remain in the temporary storage unit.

Abstract: A system and method for committing preauthorized database transactions generates a preauthorized database transactions based on a received parameter and a parameter value. The method further includes storing the generated preauthorized database transaction in a temporary storage; accessing a reference database to determine a current value of the received parameter; determining that a current value of the received parameter matches the received parameter value; and committing the preauthorized database transaction to a database.

Abstract: A validation terminal located at a registered location comprises a barcode reader, a memory, and a processor. The memory stores a public key that is paired with a private key linked with the registered location of the validation terminal. The processor is operably coupled to the barcode reader and the memory, and is configured to detect an encrypted barcode that was scanned by the barcode reader from a mobile device that is located at the registered location of the validation terminal. The encrypted barcode is based at least in part upon transaction information associated with products in a digital cart, and the encrypted barcode is encrypted using the private key. The processor is further configured to decrypt the encrypted barcode using the stored public key, and to indicate the transaction is valid in response to decrypting the encrypted barcode using the public key.

Abstract: A hyperlink message for machine-to-machine (M2M) or machine-to-human (M2H) communication has a semantic metadata tag, a content field, an executable specification field. Executable specification instructs a machine to perform a task associated with the machine related data, and post to a machine social media platform results of the task as content for the hyperlink message. The hyperlink message posting is visible and available to other participating machines on the machine social media platform to read and contribute related content as a hyperlink discussion of M2M or M2H communication.

Abstract: a system for authenticating the presence of an emergency vehicle and notifying the driver of a vehicle equipped with the disclosed system of the presence of the presence of the emergency vehicle and the type of emergency vehicle that is near or approaching. The system uses the mirror or other signaling device of the vehicle equipped with the disclosed system to notify the driver that the approaching vehicle is an official vehicle, and the identification of the governmental agency that controls the approaching vehicle.

Abstract: A card accessory device including, among other things, one or more processors and memory storing instructions that, when executed by the one or more processors, are configured to cause the card accessory device to receive, from a terminal in communication with the card, one or more messages comprising a complete message indicative of successfully reading the card and a read error message indicative that there was an error in reading the card, identify one or more predetermined sequences based on the one or more messages, and perform via a rumble pack, one or more predetermined vibration sequences comprising a first vibration sequence associated with the complete message and a second vibration sequence associated with the read error message in a predetermined pattern.

Abstract: A method comprises receiving, by a computing device from a customer device, a request to provision a financial account for the customer, associating, by the computing device, a mobile device with the requested financial account, and sending, by the computing device to the mobile device, authentication information for the requested financial account. The method further includes receiving the authentication information by the computing device from a financial terminal that received the authentication information from the mobile device, receiving, by the computing device, first location information of the mobile device, and provisioning, by the computing device and based on the first location information of the mobile device being within a predetermined distance of a location of the financial terminal, the requested financial account for the customer.

Abstract: A payment device for conducting a transaction is provided. The payment device includes a device substrate, a payment device identifier visibly located on the device substrate, and a data storage region contained on or within the payment device. The payment device identifier does not include information identifying an issuer for the payment device. The data storage region comprises a first data storage sub region containing data corresponding to the payment device identifier, and a second data storage sub region electronically isolated from the first data storage sub region and containing data identifying the issuer of the payment device.

Abstract: Disclosed embodiments provide systems, methods, and apparatuses for facilitating transfers between user commerce accounts associated with a merchant of a commerce platform within a computing environment supported by a processor and a memory to execute such functionality. An exemplary system may include a means for creating a merchant account platform at the payment system; creating a single charge from a customer at the merchant account platform; creating multiple transfers from the merchant account platform to different connected accounts, wherein the multiple transfers are to each transfer a sub-portion of proceeds associated with the single charge from the customer to each of the different connected accounts; performing the single charge from the customer to the merchant account platform; and performing each of the multiple transfers from the merchant account platform to the different connected accounts. Other embodiments are also disclosed.

Abstract: Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct transactions with value dispensing devices.

Abstract: A computer vision card reader and/or point of sale device is described. The device is configured to sense when a user inserts a card into a card reader and to determine when a user departs or is about to depart from the device without retrieving the card. The device may issue an audible or visible alert to the user, reminding the user to retrieve the card. The device may additionally send a notification to a mobile device associated with the user that reminds the user that he has left a card at the point of sale. In some embodiments, message sent to the user contains a code and, upon entry of the code, the point of sale or card reader device returns the card to the user.

Abstract: A method for conducting monetary and financial transactions in an economy by treating amounts as collections of distinct individual, minimal, and indivisible units of account, each of which has a persistent identity and history throughout its lifecycle. A method is disclosed for conducting monetary transactions on the basis of appending the record of relationship between each individual unit of account and its respective owners throughout the lifecycle of the unit. Further, a method is disclosed for identifying the units in binary computer notation and assigning specific informational content to each unit by designating various sub-sections within the binary identifier of each unit to hold specific information and values relevant to the unit.

Abstract: A computer-implemented method performed by at least one processor includes actions of: receiving information indicating a change to an entity of an application; and in response to receiving the information: providing, in real-time, the information indicating the change to the entity as one or more items of application metadata to one or more active sessions of the application; storing the information indicating the change to the entity as one or more items of application metadata in read-optimized storage; and storing one or more timestamps corresponding to the one or more items of application metadata in a timestamp cache.

Abstract: Systems and methods are disclosed for associating a player loyalty account of a player with a stored value account. The player can accumulate loyalty points over time. The accumulated loyalty points can be converted to value, such as cash or coupons, associated with the stored value account. The value can be accessed by the player through the use of a stored value payment vehicle associated with the stored value account. The value added to the stored value account can be restricted such that the use of the value is limited to particular merchants or particular types of transactions.