Abstract: An object of the present invention is to provide a currency handling system which makes it possible to decrease a risk of dealing with foreign currency at the time of the occurrence of a communication error in a case in which a currency reading device capable of accepting a variety of currencies including a foreign currency is used while the currency handling system is connected to a management server through a communication line. A currency handling system 100 is connected to a casino management system 2 through a network 3, and includes a currency reading device 201 which is capable of accepting a variety of currencies and a PTS terminal 700. The PTS terminal 700 causes a process which limits usage of a foreign currency but allows usage of a local currency in the currency reading device 201 to be performed in a case (offline state) in which an error occurs in communication with the casino management system 2.

Abstract: A method includes receiving a notification of the gesture from a sensing device, receiving an input from a user to select a banking transaction, and determining an intent of the gesture from the sensing device. Additionally, the method includes altering the banking transaction based on the input of the user and the intent of the gesture from the sensing device. The method further includes transmitting a request separate from the banking transaction based on the intent of the gesture.

Abstract: An interaction account management method includes defining a financial network for an account holder, the financial network including at least the account holder and a financial advisor, wherein the financial advisor is associated with the financial institution. The method also includes storing financial account information associated with the account holder in a database, the account holder information including information input by the account holder relating to at least one financing plan. The method further includes accessing the stored account holder information, generating two or more payment options associated with the at least one financing plan based at least in part on the account holder information, receiving a recommendation over the network from the financial advisor, the recommendation relating to the at least one payment option, and displaying, on a user interface associated with a user device, the two or more payment options and recommendation.

Abstract: A mechanism and method are provided for attesting a platform entity. The method is performed by a verification entity. The method may include performing mutual authentication between a TEE of the verification entity and a TEE of the platform entity. The method may include sending, towards the TEE of the platform entity, a first piece of protected secret data. The method may include sending, towards the TEE of the platform entity, at least one protected nonce. The method may include receiving, from the TEE of the platform entity, a protected concatenation of the secret data and the at least one nonce. The method may include attesting the platform entity by, in the TEE of the verification entity, verifying that the secret data and the at least one nonce received from the platform entity are identical to the sent secret data and at least one nonce.

Abstract: A computer-implemented method for allowing purchase of virtual gift cards includes receiving a communication indicating a gift card type and specifying a value amount. Responsive to the communication, a purchase of a virtual gift card of that type and storing that value amount is processed. This processing includes processing a payment for the specified value amount. Further, a gift card merchant application programming interface (API) capable of processing a purchase of a virtual gift card of the indicated gift card type is identified from amongst a set of such APIs. That API is used to initiate purchase of the virtual gift card. After the purchase is processed, an indication of the purchased virtual gift card is sent to a mobile computing device. The mobile computing device uses the indication to configure itself to allow transactions using the purchased virtual gift card to be initiated. Fraud detection may also be performed.

Abstract: Various embodiments generally relate to generating and scheduling transactions in advance. More specifically, various embodiments relate to receiving a request for a transaction from a user device; processing the transaction, where the transaction requires some user interaction at a point of transaction to complete the transaction; identifying a location for completion of the transaction; determining possible points of transaction within a predetermined distance of the identified location; displaying the possible points of transaction; receiving a selection of one of the possible points of transaction; generating a unique identifier for the transaction based on the selected point of transaction; and sending the unique identifier for presentation at the selected point of transaction, where the unique identifier is used to complete the transaction.

Abstract: Disclosed embodiments may include a system for sharing data. The system may direct a first user device to establish a respective wireless connection with second user devices. The system may cause the first user device to display, via a GUI, icons respectively corresponding to the second user devices. The system may track respective locations of the second user devices relative to the first user device, and may modify the GUI by repositioning the icons in the GUI based on the respective locations of each second user device relative to the first user device. The system may receive a request, from the first user device, to transfer data to a second user device of the second user devices based on a current position of an icon associated with the second user device in the modified GUI. The system may then transfer the data to the second user device.

Abstract: Multifactor authentication techniques described herein may allow a user to submit a recent proof of purchase as a part of a multifactor authentication process to access an account associated with a financial institution. As part of the login process, the user may submit a proof of purchase associated with a transaction. The financial institution may determine information associated with the transaction, such as a merchant associated with the proof of purchase, a time of the transaction, the last four numbers of the transaction card used, a dollar amount, or any combination thereof. If the information matches one or more records in the transaction history of the user's account, the financial institution may authenticate the user and provide access to the account. In this way, the financial institution may leverage transaction history known to the financial institution and the user to authenticate the user.

Abstract: A system and method for secure permissioning of access to user accounts, including secure distribution of aggregated user account data can include generating a financial report based on account information associated with one or more user accounts; receiving a financial report request for the financial report of the user account, wherein the financial report request is identified as being received from a third-party system; generating an audit report token associated with the financial report; sharing the audit token with the first third-party system in response to the financial report request; and providing the first third-party system account access to the financial report through the report token, where the audit report token can be shared with a second third-party system and provided by the second third-party system in order to confirm authorization to the report and integrity of the report.

Abstract: Systems and methods associated with providing user interfaces and back-end processing features for transferring recurring charges from a first account to a second account are disclosed. In one embodiment, an exemplary method may comprise receiving a request from a user to transfer recurring charges from a first account to a second account, generating a first user interface that enables the user to provide account information comprised of a plurality of statements and/or account credentials associated with the first account, determining at least one recurring charge of the first account using the account information, generating a second user interface to display the at least one recurring charge and prompt the user to submit merchant-related credentials associated with the at least one recurring charge, transferring the merchant-related credentials, the at least one recurring charge from the first account to the second account.

Abstract: 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.

Abstract: Disclosed herein are devices, systems, and methods for automatic handling of bank notes, gambling tickets, bills, or other types of paper notes. The disclosed devices, systems, and methods are directed to, or include, various robot arms, which may be articulated, that are configured to open a bill storage container, remove a bundle of bills, load the bundle on a bill conveying device, and load the bundle of bills in a bill storage case. The systems include one or more control devices to control the operations of the components that move the bill bundle.

Abstract: Embodiments of the present invention provide a system for facilitating a secure way to allow primary users and secondary users to perform interactions remotely via an automated machine and one or more auxiliary devices on the same local network. In particular, the system may assign exclusive control over an automated device and one or more auxiliary devices to a primary user via a computing device connected to the same local network or virtual private network as the automated machine, and may allow the primary user to communicate via the automated machine with a secondary user who wishes to complete one or more resource interactions.

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. It the customer desires to add additional features, the customer can pay for the features and the manufacturer or dealer can send a signal from a remote host to the automated banking machine with data representative of the upgrade. The banking machine then operates with the upgraded configuration.

Abstract: Disclosed is a currency management application to facilitate customized transfer of value between two parties via a digital coin. The digital coin can be personalized and programmed. For example, the digital coin can be personalized with a set of attributes, such as a design, color, shape or theme, and can be programmed with a set of rules, such as where the digital coin can be redeemed and/or who the digital coin can be transferred to. The digital coin is associated with a value, which is determined in terms of a fiat currency or cryptocurrency. This digital coin can be used for peer to peer payments, merchant payments and redeemable/withdrawn through a financial institution, such as a bank account.

Abstract: In a method for activating account-variable transaction cards having private and public card encryption keys stored therein, private and public personal keys are associated with an account and transmitted to an account holder device. A request for activation of an account-variable transaction card is received by a central processor from the user device. The request includes information encrypted using at least the private personal key and the private card key. The central processor associates an account function with the account-variable transaction card and initiates via a first node in a distributed consensus network, an account blockchain associated with the account and the account-variable transaction card.

Abstract: Systems and methods are provided for managing sales tax information. The information may be generated, for example, in connection with transactions involving financial accounts, such as a credit card account. The sales tax information may be received electronically from, for example, a merchant or a point of sale device. A determination may be made whether there is any missing sales tax information. If there is missing information a request may be generated and sent to a source having the information. The source may receive the request, retrieve the desired information, and transmit it to the requesting entity. The sales tax information may be stored and later retrieved for presentation to a user, such as the account holder. The account holder may use the information in completing a tax return.

Abstract: An automated teller machine (ATM) includes a network interface, an input/output device configured to exchange data with a customer, and a processing circuit comprising a processor and memory.

Abstract: Apparatuses and methods concerning providing a data-communications virtual assistant are disclosed. As an example, one apparatus includes a data-communications server. The data-communications server is configured to process user-data-communications between a client station and another station participating in data-communications via the data-communications services where the client station is associated with one client entity. The server is also configured to identify a context for each respective user-data-communication between the client station and the participating station, where the context data corresponds to at least one communications-specific characteristic associated with the user-data-communications, and to retrieve structured and unstructured data relating to previous data-communications provided by the data-communications server.

Abstract: In one embodiment, a method includes receiving a transaction authorization request associated with a transfer of resources to a receiving entity from a user, retrieving a transaction resource configuration of a virtual bank account (VBAN) associated with the receiving entity and the user, the transaction resource configuration being decoupled from an external resource account associated with the user and the VBAN, determining parameters of the transaction resource configuration are not satisfied, transmitting instructions for presenting a notification indicating a transaction authorization failure to a client device associated with the user, wherein the notification comprises an interactive prompt operable for receiving an input indicating whether the transaction authorization request should be authorized, and transmitting a transaction authorization response indicating whether the transaction is authorized, wherein the transaction being authorized causes a stored value balance of the external resource accoun

Abstract: Systems and methods for an account-linked piggy bank are described. The system includes a piggy bank comprising a compartment, a lid, a sensor, a lock, a network interface, and a processing circuit. The processing circuit is configured to associate the piggy bank with a first account of a user. The processing circuit is further configured to receive, decoded coin data from an encodable physical coin, wherein the decoded coin data includes a transaction request indicating a currency amount to be transferred to the first account from a second account. The processing circuit is configured to transmit the transaction request to a provider computing system. The processing circuit is further configured to receive a transaction request confirmation from the provider computing system and transmit a notification to a user device of the user indicating the currency amount has been deposited into the first account of the user.

Abstract: Systems and methods are disclosed for electronic transaction messaging conversion. One method comprises receiving an authorization request message from a point of sale (POS) device, the authorization request message comprising transaction data associated with a transaction. Upon validating the authorization request message, a provisional authorization response message may be generated and sent to the POS device. Subsequently, a capture message may be received from the POS device, requesting clearing and settlement of the transaction. The capture message may be validated and translated to a composite message that is single-message system (SMS)-compatible. The composite message may then be sent downstream for further processing.

Abstract: Aspects of the disclosure relate to ATM monitoring and enhancement. A computing platform may detect ATM performance information from an ATM. The computing platform may validate the ATM performance information against baseline ATM performance information. Based on validating the ATM performance information, the computing platform may generate a digital twin for the ATM, and may input the digital twin into a deep learning model for anomaly detection. Based on identifying that the digital twin includes an anomaly, the computing platform may update and simulate the updated digital twin. The computing platform may determine, using smart contracts stored on a distributed ledger, whether or not an update to the ATM based on the updated digital twin is approved. Based on determining that the update to the ATM is approved, the computing platform may direct the ATM to perform a configuration update based on the updated digital twin.

Abstract: Disclosed are a cash box and a cash recycling and handling device; the cash box includes a box body, a first cash storage cavity, a second cash storage cavity, a transfer passage, a first switching member and a linkage assembly; a first lifting platform is provided inside the first cash storage cavity, and the first lifting platform is capable of moving back and forth in the preset direction and can be located at a first dispensing position; when the first lifting platform is in the first dispensing position, it is engaged with the linkage assembly to rotate the first switching member to a first position, and when the first lifting platform moves to a first inlet, the linkage assembly rotates the first switching member to a second position.

Abstract: Systems and methods for alternative payment mechanism payments using ultra-wideband radio technology are disclosed. A method may include a payment terminal computer program executed by a payment terminal selecting a customer electronic device that is conducting the payment transaction with the payment terminal; communicating, via a payment terminal UWB radio to the selected customer electronic device, payment transaction details for the payment transaction comprising a merchant identifier and a transaction amount; receiving, from the selected customer electronic device via the payment terminal UWB radio, an APM payment message for an APM payment provider; communicating the APM payment message to the APM payment provider, wherein the APM payment provider is configured to decision the transaction based on the APM payment message; and receiving, from the APM payment provider, a payment confirmation for the payment transaction.

Abstract: A system to identify and update expired payment cards may include servers that can perform operations including determining that a transaction performed with first payment card is denied due to expiration of the first payment card, determining that the expired first payment card is replaced with a second payment card, and sending information associated with the second payment card to a merchant payment server for performing the transaction.

Abstract: Systems and methods discussed herein, based on a key-value data store including multiple-tiered sorted data structures in memory and storage, implement granularly timestamped concurrency control. The multiple-tiering of the key-value data store enables resolving the snapshot queries by returning data record(s) according to granularly timestamped snapshot lookup instead of singularly indexed snapshot lookup. Queries return a merged collection of records including updates from data structures in memory and in storage, such that a persistent storage transaction may refer to non-committed updates up to a timeframe defined by the snapshot read timestamp. This way, inconsistency is avoided that would result from merely reading data records committed in storage, without regard as to pending, non-committed updates thereto.

Abstract: Systems and methods are provided for processing credit token and debit token based transactions in a blockchain supported network.

Abstract: Embodiments of the inventive technology may relate to a robotic pill dispensing system, whether puck-based or puck-free, configured to avoid delay during the filling of orders and achieve high, perhaps even maximal, order fill rates and associated processing efficiency. Additional embodiments of the inventive technology may relate to, inter alia, a bottle placement site that is different from a bottle pick-up site, a device configured to apply lodged pill clearance forces to counted pill reserve containers; counted pill reserve containers that are large enough to contain pills required by substantially all orders to be handled by a robotic dispensary; a method of dynamically repositioning medication-dedicated pill counters to increase processing speed and a system configured to facilitate the same; a robotic dispensary configured to allow manual operation when a robot is off-line; and a robotic dispensary configured to cover open, filled vials during transport thereof to prevent pill spillage.

Abstract: The application relates to a computer-implemented method and system for providing interaction between a user device used by a user and an interactive environment generated by a server. The method may comprise connecting the user device to the server to receive a presentation from a humanoid presenter within the interactive environment; displaying, on a display screen of the user device, the received presentation; capturing, using a camera connected to the user device, at least one image of the user while the presentation is being displayed and processing the at least one image to detect a gesture from the user. When a gesture is detected, the method may further comprise receiving an input from the user; identifying an answer corresponding to the received input; presenting, by the humanoid presenter displayed on the display screen, the received answer to the user; and updating the display of the received presentation.

Abstract: 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.

Abstract: A system for communicating with removable components may include an electronic controller and a removable component having an identifier and configured to communicate with the electronic controller. The removable component may be configured to transmit the identifier to the electronic controller via a first communication channel. The electronic controller may be configured to transmit a confirmation to the removable component after receipt of the identifier. The removable component may be configured to transmit information to the electronic controller via at least one of the first communication channel and/or a second communication channel, after receipt of the confirmation.

Abstract: A method and system for authorizing card account transactions by geographic region by providing data for a user interface displaying geographic regions and merchant locations each corresponding to the location of a merchant where a transaction using a card account may be initiated, receiving a user interface selection representing a request to authorize or restrict card account transactions, receiving authorization requests for desired transactions, and authorizing or restricting the transactions in accordance with the request.

Abstract: At least one server enables a mobile device user to request delivery of cash or cash and goods at a user location. The at least one server operates to receive a transaction request message that includes data corresponding to a user financial account and an amount of value corresponding to the items to be delivered. Responsive to determining that the amount can be charged to the account, a message is sent to the mobile device. The user may use their mobile device to communicate with a delivery service to request delivery of the items. The at least one server operates to communicate with a terminal of the delivery service and the user mobile device to achieve delivery of the user requested items at a user location.

Abstract: Techniques related to an electronic device, comprising one or more processors, a user interface, a bill dispensing mechanism in a dispensing area, the bill dispensing area having a first sensor, and a non-transitory program storage device comprising instructions stored thereon to cause the one or more processors to receive, from the user interface, a request to dispense a bill, receive, from the first sensor, a first signal indicating a first touch on the first sensor in the bill dispensing area, and dispense the bill based on the received first signal indicating the first touch.

Abstract: Embodiments of the present invention provide a system for facilitating a secure way to allow primary users and secondary users to perform interactions remotely via an automated machine, such as an automated teller machine (ATM). In particular, the system may assign exclusive control over an automated device to a primary user via a computing device connected to the same local network or virtual private network as the automated machine, and may allow the primary user to communicate via the automated machine with a secondary user who wishes to complete one or more resource interactions. In some embodiments, the system may invoke one or more auxiliary devices on the same network to complete the interaction.

Abstract: A transformation-as-a-service apparatus, system and method are described, where the transformation converts financial messages from one format to another (such as SWIFT format to ISO 20022 format, etc), storing the original and transformed messages for future access by a token. The transformation service also includes a permissions and access control mechanism for allowing access to the financial messages based on requestor permissions when requested via the token.

Abstract: A system, method and computer-readable medium are provided to enable digital bank endorsement. A digital image of a back side of a check may be placed in a computer memory. Appropriate coordinates for a bank endorsement may be determined. A bank endorsement may be automatically generated. The digital image may then be electronically altered by overlaying, merging, or rendering text of the generated bank endorsement. A modified digital image may be combined with an image of the front side of the check and stored and/or exported to check clearing operations.

Abstract: Embodiments relate to aggregation operations. More specifically, embodiments relate to enforcing an aggregation constraint across a distributed network of compute nodes responding asynchronously. Each compute node individually processes the local partial aggregate value in parallel and asynchronously communicates with a conflict resolution node (CRN).

Abstract: A method may include receiving, via a processor, a request for payment of a payment amount from a first computing system. The method may also involve receiving a location of the first computing system, identifying one or more automatic teller machines (ATMs) based on the location of the first computing system, generating an image configured to cause the one or more ATMs to dispense funds that correspond to the payment amount, and sending the image to the first computing system.

Abstract: An information processing apparatus includes a processor configured to receive a device ID for identifying a processing request transmission device and a processing request from the processing request transmission device, and specify a related user related to the processing request based on the device ID and then execute processing according to the processing request.

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: In certain embodiments, a current amount of an item available from a network resource may be monitored. Based on the monitoring indicating that the current amount fails to satisfy a first threshold, one or more sources may be identified. The one or more sources may be within a threshold proximity of the network resource, and distances between the one or more sources and the network resource may be determined. One or more requests for the amounts of the item to be transferred from the one or more sources to the network resource within time frames may be generated. For example, the time frames may be based on the distances. The one or more requests may be transmitted to the one or more sources.

Abstract: A system for customer defined limited use authorization. The system may receive an identification credential from at least one of an issuer native app or an issuer web app and receive a customer data. The system may determine a valid customer identity in response to the receiving the identification credentials and the customer data The system may receive a request to generate a token from at least one of the issuer web app or the issuer native app, wherein the request comprises at least one of the identification credential or a parent transaction account, and wherein the request comprises at least one of a customer defined authorization control or a customer defined generation control.

Abstract: Disclosed is a technology for collecting item-level transaction information for interactive payment experience. According to one embodiment, a merchant server can maintain a database including the information of financial accounts having a particular classification. The classification indicates that these financial accounts are associated with a payment service system. When the merchant server determines a requested financial transaction involves a financial account classified in the database, the merchant server transmits the item-level transaction information to the payment service system. The payment service system receives the item-level transaction information in real-time or near real-time and generates an interactive digital transaction receipt for a consumer.

Abstract: A computer system and method having a user interface including a touch-sensitive display screen. The system and method enables entry of a password which includes displaying a first array of a plurality of images on the touch-sensitive display prompting a user to select with a finger one of the plurality of images displayed. Subsequently at least another array of a plurality of images successive to the first array is displayed on the touch sensitive display prompting a user to select with a finger one of the plurality of images displayed in the another array of images. A computer processor then determines if a user selected a predetermined image from the first array of the plurality of images and a predetermined image from each at least another array of plurality of images displayed after the first array. If determined, the user is permitted access to an application executable on the computer system.

Abstract: An automatic-transaction-machine (ATM) has a processor that controls at least portions of some financial transactions conducted by the ATM. A banking computer system associated with the ATM is receives a pre-created transaction request from a customer using a mobile device. When the customer later brings the mobile device to the ATM, the ATM presents transaction-verification data to be received by the mobile device. The ATM is configured to receive mobile-verification data back from the mobile device that is responsive to the transaction-verification data. When the mobile-verification data is authenticated by the banking computer system the ATM is configured to execute the pre-created transaction request.

Abstract: Computer implemented systems and methods are provided for an automatic teller machine. In some embodiments, an automatic teller machine may comprise a display, a physical barrier configured to intersect a line of sight from a location adjacent the automatic teller machine to the display, one or more memory devices storing instructions, and one or more processors. The one or more processors may be configured to determine that a user is operating the automatic teller machine. The one or more processors may be further configured to alter a degree of opacity of the physical barrier, based on the determining.

Abstract: Methods, apparatuses, and computer program products are disclosed for currency control. An example point-of-sale (POS) device for use with physical currency notes includes a scanning system configured to generate physical currency data associated with one or more physical currency notes and a controller operably coupled with the scanning system. The controller is configured to generate digital currency data based upon the physical currency data. The digital currency data includes a digital representation of the physical currency notes. The controller further determines one or more selected physical currency notes for destruction based upon the digital currency data and may query a currency attribute database that includes one or more currency attributes associated with the physical currency notes. The POS device also includes a currency destruction mechanism that causes destruction of the selected physical currency notes.

Abstract: Disclosed herein are embodiments of systems, methods, and products comprising a data power server for secure storage and retrieval of trade data. The server receives a request from a user to review or confirm one or more trade documents via a webserver. The server communicates with a connector grid server to retrieve the user's accessible documents. The connector grid server determines the electronic file IDs that are accessible to the user based on the accessibility policy. The server instructs a digital library server to download the electronic files containing the requested trade data. The digital library server retrieves and downloads the electronic files based on the file IDs. The webserver renders a GUI displaying the electronic files on an electronic client device operated by the user. Upon receiving the confirmation response from the user, the server instructs the digital library server to update the trade status.