Including Automatic Teller Machine (i.e., Atm) Patents (Class 705/43)
  • Patent number: 10957166
    Abstract: To achieve the above-mentioned objective, an automated teller machine service system according to one aspect of the present disclosure includes an automated teller machine (ATM) including a near-field communication (NFC) tag, a mobile terminal including a NFC chip and an input/output device for processing a deposit or withdrawal, and a server configured to receive transaction information for processing the deposit or withdrawal from the mobile terminal and, in a case in which the transaction information is identical to previously-saved information as a result of comparing the two pieces of information, transmit deposit/withdrawal authorization information to the ATM, wherein, when the NFC chip is brought into contact with the NFC tag, the ATM transmits a deposit/withdrawal application running command to the mobile terminal, and the mobile terminal receives the command and then runs the application to transmit the transaction information to the ATM or the server.
    Type: Grant
    Filed: September 23, 2016
    Date of Patent: March 23, 2021
    Assignee: HAREX INFOTECH INC.
    Inventor: Kyung Yang Park
  • Patent number: 10943424
    Abstract: Systems and methods for ATM fraud detection are presented. ATM fraud detection may be provided in the context of including a weight sensor in the ATM to weigh currency notes. ATM fraud detection may be obtained by using a weight sensor to weigh any currency notes that remain after being dispensed to a user, and determining if the weight is correct for the amount of currency notes dispensed. A weight discrepancy resulting from removal of some but not all dispensed currency notes may indicate attempted theft or fraud.
    Type: Grant
    Filed: December 11, 2019
    Date of Patent: March 9, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Vincent Pham, Reza Farivar, Kate Key, Mark Watson, Anh Truong, Fardin Abdi Taghi Abad, Jeremy Goodsitt, Austin Walters
  • Patent number: 10931460
    Abstract: Embodiments generally relate to securing a geophysical presence of a user. In some embodiments, a method includes receiving information associated with the user in a physical environment. The method further includes generating a unique pattern in response to receiving the information associated with the user. The method further includes sending encoded information containing the unique pattern to a landmark device in the physical environment, where the encoded information causes the landmark device to present the unique pattern. The method further includes receiving captured data from the physical environment. The method further includes verifying an identity and a physical presence of the user in the physical environment based on the captured data, where the captured data includes the landmark device.
    Type: Grant
    Filed: June 14, 2019
    Date of Patent: February 23, 2021
    Assignee: International Business Machines Corporation
    Inventors: Marc Dickenson, Igor Ramos
  • Patent number: 10915877
    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.
    Type: Grant
    Filed: June 29, 2018
    Date of Patent: February 9, 2021
    Assignee: Capital One Services, LLC
    Inventors: Adam R. Koeppel, Alex Leo Niderberg
  • Patent number: 10891819
    Abstract: The bezel assembly for data reception, for use with a bill validator in a financial transactional device, includes a bezel housing and a data reception assembly. The bezel housing includes a customer-facing front portion and a back plate connectable to the bill validator that is mounted within the transactional device cabinet. The front portion includes an insertion/dispensing slot for receiving currency and a projecting protrusion forward of the casing. The forward-extending protrusion accommodates at least a portion of the data reception assembly. The bezel assembly can include a wireless communication function that is communicably connectable with a mobile device via a wireless communication method, a manual entry function, a biometric reader, one or more cameras for scanning and decrypting 2D barcodes and the like, thus enhancing the overall functionality of the financial transactional device.
    Type: Grant
    Filed: July 16, 2018
    Date of Patent: January 12, 2021
    Assignee: JCM American Corporation
    Inventors: Steve Johnson, Bryan Allen Wilcutt, Omar Jorge Rivera, Connie R. Masters, Scott A. Toth, Sr., Daniel Petersen, Brian Anthony Montano, Dominic Mohrhardt
  • Patent number: 10853336
    Abstract: Apparatus, systems, and methods may operate to detect a plurality of changes to one of a database format and database content between a first version of a database and a second version of the database, and to transmit change information to a receiving entity, enabling display of the plurality of changes in at least one of a row-wise collective format, a column-wise collective format, a field-wise collective format, or a record-wise collective format. Additional apparatus, systems, and methods are disclosed.
    Type: Grant
    Filed: September 29, 2008
    Date of Patent: December 1, 2020
    Assignee: Adobe Inc.
    Inventors: Marissa Dulaney, Robert Shaver
  • Patent number: 10825005
    Abstract: An automated banking machine is operable responsive at least in part to read user data to cause financial transfers. The machine is associated with at least one wireless interface and at least one controller. The controller is operable to cause the wireless interface to receive at least one wireless communication from a nearby user mobile device, which communication indicates a sought transaction function (such as the provision of cash) and a sought transaction parameter associated with the sought transaction function (such as a transaction fee below a threshold). The at least one controller is operative to make a transaction availability determination concerning whether the sought transaction function is available in accordance with the sought transaction parameter. If the sought transaction function with the associated parameter is determined to be available, the at least one controller wirelessly communicates the availability to the mobile device.
    Type: Grant
    Filed: January 14, 2020
    Date of Patent: November 3, 2020
    Inventors: Patricia A. Walker, Ralph E. Jocke
  • Patent number: 10783502
    Abstract: Methods and systems are provided for performing a funds transfer. The method may include determining which of a plurality of different funds-transfer companies is able to complete the funds transfer in accordance with defined parameters. The method may also include determining a default service fee charged for the funds transfer by a funds-transfer company of a subset of the plurality of different funds-transfer companies. The method may additionally include transmitting to at least one funds-transfer company of the subset of the plurality of different funds-transfer companies details of the funds transfer, where the details of the funds-transfer comprises the default service fee. The method may furthermore include transmitting an identification of the subset of the plurality of different funds-transfer companies, each of which is capable of completing the funds transfer in accordance with the defined parameters, the subset including at least two of the plurality of different funds-transfer companies.
    Type: Grant
    Filed: August 4, 2014
    Date of Patent: September 22, 2020
    Assignee: The Western Union Company
    Inventors: Michael Michelsen, Kurt Hansen, Dean A. Seifert, Kenneth Algiene
  • Patent number: 10769601
    Abstract: Systems and methods are provided for processing network transactions. One exemplary method includes transmitting a network request, received from a first entity, to a second entity; intercepting a network reply from the second entity, when the network reply is associated with the first entity and the first entity is a registered entity; appending an indicator to the network reply when a rule associated with the first entity is satisfied by a parameter of the network reply; and appending a transaction associated with the network reply to a settlement process when the rule is satisfied by the parameter. The exemplary method further includes transmitting the network reply, with the appended indicator, to the first entity, whereby, upon identifying the indicator, the first entity is permitted to omit the transaction from further reporting related to clearing and/or settlement of the transaction.
    Type: Grant
    Filed: September 21, 2017
    Date of Patent: September 8, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Shankar Subramanian
  • Patent number: 10769896
    Abstract: An ATM device may receive a request to process an ATM transaction; dispense, via an instrument dispenser, a plurality of instruments based on the request; perform image segmentation of one or more images of an area surrounding the instrument dispenser, wherein the image segmentation is performed using a deep learning network trained using synthetic models of hands; detect, based on performing the image segmentation, that a user's hand approaches the instrument dispenser after dispensing the plurality of instruments; determine, after dispensing the plurality of instruments and after detecting that the user's hand approaches the instrument dispenser, that a portion of the plurality of instruments is present at the instrument dispenser; and perform one or more actions based on determining that the portion of the plurality of instruments is present at the instrument dispenser.
    Type: Grant
    Filed: May 1, 2019
    Date of Patent: September 8, 2020
    Assignee: Capital One Services, LLC
    Inventors: Reza Farivar, Kenneth Taylor, Austin Walters, Joseph Ford, III, Rittika Adhikari
  • Patent number: 10748095
    Abstract: Automatic teller machine network management control system executes a deterministic optimization process based on a deterministic forecasted withdrawal demand to determine a cash refill amount, and executes a stochastic simulation process to determine an overall automatic teller machine network management cost based on a stochastic forecasted withdrawal demand and the cash refill amount. The executing of the deterministic optimization process and the executing of the stochastic simulation process are iterated based on updated scaling parameter from the stochastic simulation process and the cash refill amount determined by the deterministic optimization process at current iteration until a termination threshold is met.
    Type: Grant
    Filed: April 22, 2016
    Date of Patent: August 18, 2020
    Assignee: International Business Machines Corporation
    Inventors: Yixin Diao, Ea-Ee Jan, Soumitra Sarkar
  • Patent number: 10719820
    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.
    Type: Grant
    Filed: April 10, 2019
    Date of Patent: July 21, 2020
    Assignee: Capital One Services, LLC
    Inventors: Adam R. Koeppel, Alex Leo Niderberg
  • Patent number: 10713526
    Abstract: A data extraction system for extracting a unique identifier from a plurality of different types of tokens, the data extraction system comprising a central processing system arranged to receive a data string representing an image of the token, the central processing system comprises: a data store of predetermined data records relating to the plurality of different types of token, each predetermined data record including a plurality of discrete features derived from an image of each type of token; a token type recognition module for identifying a type of token which the representation relates to, the recognition module comprising: a discrete feature identifier for iteratively identifying discrete features present in the representation; and a matching engine for iteratively comparing each of the identified features with each of the discrete features of the plurality of different types of token stored in the data store and registering each matched feature; wherein the recognition module is arranged to compare a c
    Type: Grant
    Filed: November 23, 2016
    Date of Patent: July 14, 2020
    Assignee: Loyalty Angels Ltd.
    Inventors: Lee David Clarke, Gregory Peter Gormley
  • Patent number: 10706400
    Abstract: An automated teller machine (“ATM”) is associated with a financial institution (FI). The ATM includes a network interface circuit (“NFC”) enabling the ATM to exchange information over a network, an input/output device configured to exchange data with a mobile wallet circuit on a mobile device associated with a customer, and a processing circuit communicably engaged to the network interface circuit and the input/output circuit. The processing circuit includes a processor and a memory, the memory structured to store instructions that are executable by the processor. The instructions cause the processing circuit to receive, by the input/output device; a payment token from the mobile wallet circuit; determine whether the payment token is associated with the FI; in response to determining that the payment token is associated with the FI, detokenize the payment token to identify an customer account; and process an ATM transaction using the customer account.
    Type: Grant
    Filed: November 20, 2017
    Date of Patent: July 7, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Steven E. Puffer, Jerome Rhodes, Michael R. Thomas, Hemesh Yadav
  • Patent number: 10698992
    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.
    Type: Grant
    Filed: February 19, 2018
    Date of Patent: June 30, 2020
    Assignee: Bank of America Corporation
    Inventors: Hitesh Shah, Michael Toth
  • Patent number: 10692320
    Abstract: A cash processing device according to the present invention includes plural banknote storage sections, a storage status manager, and a display controller. The plural banknote storage sections store banknotes. The storage status manager manages a storage status in each of the banknote storage sections. According to the storage status in each of the banknote storage sections, the display controller displays a display screen to suppress a specific transaction from out of plural transaction types and/or to encourage a transaction other than the specific transaction from out of the plural transaction types.
    Type: Grant
    Filed: October 14, 2016
    Date of Patent: June 23, 2020
    Assignee: Oki Electric Industry Co., Ltd.
    Inventors: Shuichi Yuasa, Kiyoshi Yamanaka
  • Patent number: 10685537
    Abstract: One embodiment of the disclosure relates to a method of servicing an automated teller machine (ATM). The method includes receiving, by a computing device, diagnostic data generated by diagnostic logic of an ATM, connecting, by the computing device, with a remote location computing system, and transmitting, by the computing device, the diagnostic data to the remote location computing system. The method further includes receiving, by the computing device, repair instructions from the remote location computing system, and displaying, by the computing device, the repair instructions on a display.
    Type: Grant
    Filed: December 8, 2017
    Date of Patent: June 16, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Alicia Y. Moore
  • Patent number: 10674059
    Abstract: A method for controlling a camera is provided. An image transmitted from a camera is received and detection is performed on the image, where if a target object is not detected, a search instruction for controlling the camera to rotate in a vertical direction is transmitted to the camera until the target object is detected in an image. Then posture parameters of the target object in the image are acquired, where if the posture parameters do not match a preset posture parameter criteria, a fine adjustment instruction for controlling the camera to rotate and move is transmitted to the camera, until the posture parameters of the target object match the preset posture parameter criteria. A device for controlling a camera and a financial device terminal are further provided.
    Type: Grant
    Filed: May 10, 2016
    Date of Patent: June 2, 2020
    Assignee: GRG Banking Equipment Co., Ltd.
    Inventors: Tiancai Liang, Yunyun Nie, Yong Zhang, Daoyu Liu, Wenchuan Gong
  • Patent number: 10643206
    Abstract: A system for initiating and authorizing a transaction including one or more memory devices storing instructions and one or more processors configured to execute the instructions to associate a detectable device with at least one financial account. The one or more processors may be further configured to receive a notification indicating that the detectable device is involved in a potential transaction initiated by a sensor device detecting the detectable device in an initiating action. The one or more processors may be further configured to receive transaction information associated with the potential transaction. The one or more processors may be further configured to identify a customer profile associated with the detectable device, and determine whether the potential transaction is authorized by a customer based on the transaction information and at least one profile customization parameter associated with the customer profile.
    Type: Grant
    Filed: April 9, 2018
    Date of Patent: May 5, 2020
    Assignee: Capital One Services, LLC
    Inventors: Jesse N. Kendrick, Mohamed Lafeer, Jeremy Rephlo
  • Patent number: 10621833
    Abstract: An automated teller machine (ATM) system may include an instrument storage and dispensing device configured to store and provide instruments, and a plurality of ATM head units. Each ATM head unit may be configured to interact with users to facilitate ATM-based transactions. The ATM system may include a transfer device configured to interface the instrument storage and dispensing device with each ATM head unit. The ATM system may cause the transfer device to obtain one or more instruments from the instrument storage and dispensing device based on user inputs received at one or more ATM head units, and cause the transfer device to deliver the one or more instruments to the one or more ATM head units after obtaining the one or more instruments.
    Type: Grant
    Filed: May 7, 2019
    Date of Patent: April 14, 2020
    Assignee: Capital One Services, LLC
    Inventors: Janak Dadhaniya, Steve Faletti, David Kelly Wurmfeld, Robert Smith, Lisa Whitsitt
  • Patent number: 10621577
    Abstract: A system for controlling access to data includes: one or more interfaces operable to receive: an account identifier associated with a financial account and authentication criteria associated with the financial account, the authentication criteria identifying required authentication data based on a value of the transaction; one or more interfaces operable to receive a proposed transaction message, the proposed transaction message including a value of a proposed transaction, an account identifier, and a location of the proposed transaction; one or more processors communicatively coupled to the one or more interfaces, the one or more processors operable to: determine a financial account associated with the received account identifier and determine required authentication data for the proposed transaction based on the received account identifier and received value of the proposed transaction, the required form of authentication including one or more of: biometric authentication and location authentication.
    Type: Grant
    Filed: September 11, 2015
    Date of Patent: April 14, 2020
    Assignee: Bank of America Corporation
    Inventors: Joseph B. Castinado, Bonnie L. Dolan, Charles R. Kendall
  • Patent number: 10614517
    Abstract: An entity system comprises a network communication interface and a memory device storing an alert application. A processing device is operatively coupled to the memory device and is configured to execute computer-readable program code to: transmit alerts to a user device in response to alert conditions; monitor responses to the alert from the user device; and alter the visual appearance of the alerts at the user device based on the results of monitoring the responses. The processing device may be configured to execute computer-readable program code to select from at least two different types of alerts. The two different types of alerts may comprise different icons having different visual appearances. The two different types of alerts may be associated with different alert conditions.
    Type: Grant
    Filed: October 7, 2016
    Date of Patent: April 7, 2020
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Alicia C. Jones-McFadden, Matthew Hsieh, Scott R. Enscoe, Elizabeth Ann Miller, Alicia Anli Salvino, Daniel Shilov, Michael Anderson, Raghav Anand
  • Patent number: 10607455
    Abstract: An automated teller machine includes a processor, a wireless communications module, a cash dispenser, and a memory. The memory stores instructions that, when executed by the processor, cause the automated teller machine to detect, using the wireless communications module, that an authentication token capable of wireless communication has been brought into communications range of the module and communicate with the authentication token to cryptographically authenticate the token and to receive information identifying an account associated with the token. Then, without receiving user-input providing a second authentication factor the automated teller machine initiates processing of a withdrawal of a specified quantity of cash from the account. The processing of the withdrawal includes determining, based on an automated assessment of compliance with one or more policies, that the withdrawal is executable without further authentication.
    Type: Grant
    Filed: February 13, 2019
    Date of Patent: March 31, 2020
    Assignee: The Toronto-Dominion Bank
    Inventors: A Warren Pratten, Anthony Wayne Miles, Vikram Malhotra, Ratnadeep Bhadra, James Kenneth McCrae, Vincent Fazio
  • Patent number: 10607456
    Abstract: According to one aspect of the present disclosure, a method for improved reliability in a bank computer network can include: identifying an ATM proximate to a user device; determining whether the user device is communicably coupled to a server device over a secure link, the server device hosted by a financial institution and capable processing ATM transactions; establishing a secure link with the server device in response to determining the user device is not communicably coupled with the server device; prompting a user for permission to tether with the ATM in response to determining the user device is communicably coupled with the server device or determining the secure link has been established; receiving an indication of a response to the prompt for permission to tether with ATM; and establishing a P2P connection between the ATM and the user device.
    Type: Grant
    Filed: May 17, 2019
    Date of Patent: March 31, 2020
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Michael Mossoba, Joshua Edwards
  • Patent number: 10540861
    Abstract: A system for use in allowing a user to conduct one or more transactions at one or more touchpoints in a business facility includes an authentication component, a tracking component, and a control component. The authentication component is configured to authenticate the user as a person allowed to conduct the one or more transactions. The tracking component is configured to track the user's location within the facility as the user moves through the facility. The control component is configured (a) to receive authentication information from the authentication component, (b) to receive location information from the tracking component, (c) to use the location information to recognize that the user has moved into position to engage one of the touchpoints, and (d) to deliver a message to the touchpoint authorizing the touchpoint to engage in one or more transactions with the user.
    Type: Grant
    Filed: December 20, 2007
    Date of Patent: January 21, 2020
    Assignee: NCR Corporation
    Inventor: Michael R. McNamara
  • Patent number: 10489788
    Abstract: A device receives sensor data that provides an indication of a height of a user of a transaction device, receives camera data that includes one or more images of the user, and scale data that provides an indication of a weight of the user. The device identifies one or more features associated with the user based on the camera data and processes the sensor data, the scale data, and feature information describing the one or more features, with a machine learning model, to estimate a body mass index of the user. The device determines whether the user is verified for utilizing the transaction device to conduct a transaction based on the body mass index and one or more credentials associated with the user and performs one or more actions based on determining whether the user is verified for utilizing the transaction device to conduct the transaction.
    Type: Grant
    Filed: March 22, 2019
    Date of Patent: November 26, 2019
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Abdelkadar M'Hamed Benkreira, Michael Mossoba
  • Patent number: 10474332
    Abstract: Embodiments of the present invention provide a system for projecting an interaction machine interface used for performing interactions onto a user device. The system is typically configured for receiving a trigger from a user device to access an interaction machine via a projection application, in response to receiving the trigger, authenticate the user device via a customized authentication method, determine that the authentication is successful and establish a communication link between the interaction machine and the user device, transmit control signals, via the projection application, to the user device to project the interaction machine display onto the user device, receive an interaction request from the user device via the interaction machine display and the projection application, and process the interaction request received from the user device.
    Type: Grant
    Filed: January 2, 2018
    Date of Patent: November 12, 2019
    Assignee: Bank of America Corporation
    Inventors: Kerry Michelle Cantley, Shawn Cart Gunsolley
  • Patent number: 10445990
    Abstract: The present disclosure generally relates to an electronic system and method for management of cash in automated teller machines (ATMs). The system comprises a server operative within a financial network, the server including a processor and a memory configured to store computer-readable instructions. When the instructions are executed, the processor performs steps of the method, comprising: obtaining location data and historical data on cash withdrawals of each ATM of the financial network; identifying a group of ATMs within a predefined zone based on the location data; calculating an expected combined cash withdrawal amount of the group of ATMs for a subsequent time period based on the cash withdrawals historical data; and computing cash replenishment details for a subset of the group of ATMs based on the expected combined cash withdrawal amount, wherein the cash replenishment details aims to maintain a positive cash balance in the subset of ATMs during the subsequent time period.
    Type: Grant
    Filed: January 4, 2018
    Date of Patent: October 15, 2019
    Assignee: Mastercard International Incorporated
    Inventors: Teja Chebrole, Ankur Arora, Shweta Khattar, Jaipal Singh Kumawat, Sourabh Kumar Maheshwari
  • Patent number: 10410203
    Abstract: Apparatus and methods for supporting a mobile check deposit of a check into a bank account, the check having a first value, the first value being in a first currency, the bank account holding funds having a second currency. The system architecture may include one or more of a mobile phone platform, a shadow account creator module, a mobile check deposit host and/or a shadow account module. The mobile phone platform may provide a user with a selectable display including a plurality of bank accounts in which the check may be deposited, the plurality of bank accounts including the bank account. The shadow account creator may store funds having the first value or a second value, in the second currency, until the check has been cleared by a clearinghouse and/or honored by a drawing bank.
    Type: Grant
    Filed: August 3, 2018
    Date of Patent: September 10, 2019
    Assignee: Bank of America Corporation
    Inventors: John E. Scully, Robert S. Mumma, Patrick E. Burgess, Jr.
  • Patent number: 10395199
    Abstract: According to an embodiment of the present invention, a computer implemented method and system for determining an optimization schedule comprising: executing, via the computer processor, a volume forecast determination for at least one ATM device to generate forecast data, wherein the volume forecast comprises a withdrawal forecast and a deposit forecast; executing, via the computer processor, a simulation based on the forecast data to develop a set of possible schedules for the at least one ATM, wherein the simulation considers one or more identified uncertainties; automatically, via the computer processor, generating one or more fault risks based at least in part on the one or more identified uncertainties; and automatically, via the computer processor, determining an optimal schedule for the at least one ATM device based on the one or more fault risks.
    Type: Grant
    Filed: October 17, 2014
    Date of Patent: August 27, 2019
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Donovan Gibson, James Gearheart, Matthew Bates, Jacob Andrew Naylor
  • Patent number: 10387850
    Abstract: Systems and methods are disclosed for least cost acquirer routing based on pricing models. One method comprises: receiving transaction-related information from a merchant, the transaction-related information including a payment network identifier of the payment network used in the initiated payment transaction; identifying the payment network used based on the payment network identifier determining the primary qualification criteria pertaining to the payment network used; determining an interchange rate and an interchange category based on the primary qualification criteria and the received transaction related information; determining a pricing model of an acquirer that yields the lowest fees applicable to the merchant based on one or more of, the transaction related information, the primary qualification criteria, and the interchange category; and transmitting the transaction-related information to the acquirer.
    Type: Grant
    Filed: September 23, 2016
    Date of Patent: August 20, 2019
    Assignee: Worldpay, LLC
    Inventor: Thiru Srinivasan
  • Patent number: 10339510
    Abstract: In one embodiment, a two-portion cash-dispensing machine has a first secure portion that receives paper currency during bill-breaking operations and vouchers during voucher-redemption operations and a second secure portion that dispenses paper currency. Physical access to the first secure portion is restricted to authorized first agents, and physical access to the second secure portion is restricted to authorized second agents. Physical access to the first secure portion by an authorized first agent does not inherently provide physical access to the second secure portion by the authorized first agent, and vice versa. In one application, two different business entities are respectively responsible for maintaining the two different secure portions, and the machine communicates information associated with requests for transfers of funds from a bank account of the first entity to a bank account of the second entity to reimburse the second entity for bill-breaking and voucher-redemption operations.
    Type: Grant
    Filed: January 25, 2017
    Date of Patent: July 2, 2019
    Assignee: Global Payments Gaming Services, Inc.
    Inventor: Andrew J. Schwartz
  • Patent number: 10339507
    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.
    Type: Grant
    Filed: August 18, 2015
    Date of Patent: July 2, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Adam R. Koeppel, Alex Leo Niderberg
  • Patent number: 10319172
    Abstract: A banknote crack detection method and a banknote crack detection apparatus are provided. The banknote crack detection apparatus includes an image collection unit, configured to collect an optical transmission image of an inputted banknote, a pre-processing unit, configured to receive a banknote image signal collected by the image collection unit, and perform foreground region positioning and cutting on the banknote image signal; a crack detection unit, configured to detect whether a crack exists; and a determining unit, configured to determine whether the banknote is qualified according to a detection result of the crack detection unit; and a control unit, configured to control operation of each of the above units.
    Type: Grant
    Filed: July 13, 2015
    Date of Patent: June 11, 2019
    Assignee: GRG Banking Equipment Co., Ltd.
    Inventors: Yuanchao Yu, Rongqiu Wang, Zhanfeng Huang
  • Patent number: 10306737
    Abstract: A configuration system (100) for configuring a first device (130) in a lighting system is disclosed. The configuration system (100) comprises a memory (102) arranged for storing one or more light settings (110), which light settings (110) are defined by one or more light setting rules (112). The configuration system (100) further comprises a communication unit (104) arranged for communicating with the first device (130). The configuration system (100) further comprises a processor (106) arranged for identifying a device property (132) of the first device (130) based on information received from the first device (130) via the communication unit (104).
    Type: Grant
    Filed: July 8, 2016
    Date of Patent: May 28, 2019
    Assignee: SIGNIFY HOLDING B.V.
    Inventors: Dzmitry Viktorovich Aliakseyeu, Antonie Leonardus Johannes Kamp, Philip Steven Newton, Leendert Teunis Rozendaal, Sanae Chraibi, Bartel Marinus Van De Sluis, Dirk Valentinus Rene Engelen
  • Patent number: 10275826
    Abstract: A computer-assisted method for segregating funds within an existing financial account by a user of the account. The method includes creating at least one separate folder that is hidden from the user and allocating a user-specified amount of funds to the separate folder from the existing financial account. The method also includes transferring an amount of funds from the separate folder to the existing financial account upon occurrence of a user-specified goal.
    Type: Grant
    Filed: May 16, 2008
    Date of Patent: April 30, 2019
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Michael Ley, Christopher Michael Bajgier
  • Patent number: 10275827
    Abstract: According to one embodiment, a method for performing a money withdrawal transaction includes transmitting a transaction identifier for use by an ATM. The method also includes receiving the transaction identifier from a mobile device of a user, where the mobile device obtains the transaction identifier by capturing machine readable code from the ATM. The method further includes receiving a withdrawal amount from the mobile device along with an identification of an account for use in the withdrawal transaction. The method additionally includes transmitting withdrawal information to a payment service provider to effectuate authorization of a withdrawal of funds from the ATM in an amount equal to the withdrawal amount. The withdrawal information is transmitted from the payment service provider to the ATM and subsequently received therefrom along with a PIN that is input by the user into the ATM. This process mimics existing withdrawal transaction processes of the ATM.
    Type: Grant
    Filed: March 14, 2013
    Date of Patent: April 30, 2019
    Assignees: FEXCO, First Data Corporation
    Inventors: John F. McCarthy, Brian Frey
  • Patent number: 10269016
    Abstract: Systems and methods for authenticating a user's identity at an ATM are provided. One method may include capturing at least a portion of user's facial information using a facial recognition camera. The method may also include receiving information using an additional biometric scanner. The method may further include using one or more device handlers to receive information related to the captured portion of the user's facial information from the facial recognition camera and to receive information related to the additional biometric scanner. The one or more device handlers may also be used for determining one or more routing destinations for said information related to the captured portion of the user's facial information, for said information and for said information received from the additional biometric scanner.
    Type: Grant
    Filed: August 20, 2015
    Date of Patent: April 23, 2019
    Assignee: Bank of America Corporation
    Inventors: Elizabeth Votaw, Xianhong Zhang, Wenhui Meng
  • Patent number: 10264438
    Abstract: A server performs a method for modifying behavior of an Internet-of-things device based on proximal presence of a mobile device. The method includes receiving a first presence code that indicates proximal presence of a first mobile device without identifying a user of the first mobile device, providing the first presence code to a first network that manages user profiles, and receiving, from the first network, a first profile for the user of the first mobile device. The method further includes determining, based on the first profile, first adaptation data for an Internet-of-things device in proximity to the first mobile device. The first adaptation data is used to modify behavior of the Internet-of-things device based on the proximal presence of the first mobile device.
    Type: Grant
    Filed: February 4, 2016
    Date of Patent: April 16, 2019
    Assignee: MOTOROLA MOBILITY LLC
    Inventor: Apostolis Salkintzis
  • Patent number: 10255588
    Abstract: A financial transaction system between a customer and a financial institution that facilitates use of a mobile wireless device at an ATM in lieu of an ATM card provides for a central system, a portable wireless device of the customer, an automated teller machine (ATM), an ATM identification on an ATM identification tag. The portable wireless device has an interface that is able to read the ATM identification. The central system, the portable wireless device, and the ATM communicate on a global computer network and the portable wireless device is used to conduct a financial transaction with the ATM in lieu of a bankcard of the financial institution.
    Type: Grant
    Filed: December 17, 2010
    Date of Patent: April 9, 2019
    Inventor: Tara Chand Singhal
  • Patent number: 10248936
    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.
    Type: Grant
    Filed: February 15, 2018
    Date of Patent: April 2, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Adam R. Koeppel, Alex Leo Niderberg
  • Patent number: 10169947
    Abstract: A method and device for managing currency item replenishment in a transaction device configured to accept a plurality m of currency item denominations, wherein the method comprises analyzing transaction history data to produce statistics from which an optimum currency item replenishment period and currency item replenishment levels are determined.
    Type: Grant
    Filed: October 10, 2017
    Date of Patent: January 1, 2019
    Assignee: Innovative Technology Limited
    Inventor: Dylan Sumner
  • Patent number: 10147251
    Abstract: A device may obtain a first image depicting contents included in a secure storage container at a first point in time and first user account data associated with the secure storage container. The device may store the first image in a data structure associated with the first user account data. In addition, the device may receive data indicating that an individual associated with a second user account accessed the secure storage container, and receive a second image depicting contents included in the secure storage container at a second point in time. The second image may be stored in the data structure. The device may further receive, from a user device associated with the first user account data, a request to access the data structure, and the device may provide, to the user device, data that causes display of the second image.
    Type: Grant
    Filed: March 29, 2018
    Date of Patent: December 4, 2018
    Assignee: Capital One Services, LLC
    Inventors: Jeremy Phillips, Hannah Volfson, Zhe Liu, Edward Abbott
  • Patent number: 10134020
    Abstract: A data signal enhancement device for adding supplemental location data to a data signal to enhance location determination is described. Additionally, a method and a computer-readable storage medium for adding supplemental location data to a data signal to enhance location determination is described.
    Type: Grant
    Filed: August 20, 2015
    Date of Patent: November 20, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Aarti Sharma
  • Patent number: 10108952
    Abstract: Systems, methods, apparatuses, and computer-readable media configured to determine a location of a user, identify the user and provide additional services based on the determined location and/or identity are provided. In some examples, the identity of a customer may be determined based on detection of a signal by a personal computing device of the customer. One or more associate users associated with that customer may be identified and a location of the associate user may be transmitted to the customer user. In other examples, a category of an identified customer may be determined and an associate user equipped to work with that determined category of customer may be identified.
    Type: Grant
    Filed: July 10, 2014
    Date of Patent: October 23, 2018
    Assignee: Bank of America Corporation
    Inventors: Carrie Anne Hanson, Sharon Scanlon, Davindar Gill, David M. Grigg
  • Patent number: 10007906
    Abstract: Among other things, a mobile wireless device can be used for communication of data via an optical representation. The data may represent an instrument of payment and be provided using a display. The optical representation is read by an optical receiver of a second device, and can be translated back into the data. Consequently, a device such as a mobile phone may be used to make or receive payments using optical representations of data.
    Type: Grant
    Filed: March 9, 2012
    Date of Patent: June 26, 2018
    Inventor: Abdolreza Behjat
  • Patent number: 9965758
    Abstract: In one embodiment, a system for troubleshooting transactions in a network environment includes an interface that may receive a transaction report from each of a number of network devices used to process a transaction. Each transaction report may include a status code field indicating a status of the transaction at each of the plurality of network devices. The system may also include a processor communicatively coupled to the interface. The processor may generate a transaction flow report that links each of the received transaction reports associated with the transaction. The processor may determine that the status code field associated with a first one of the plurality of network devices indicates a failed status. The processor may then communicate a status alert message to a network administrator associated with a first one of the plurality of network devices.
    Type: Grant
    Filed: July 6, 2015
    Date of Patent: May 8, 2018
    Assignee: Bank of America Corporation
    Inventors: Farrukh Zaidi, Husam Abu-Zaydeh, Brian E. Doyle, Jason A. Alizzi, Sunil R. Bangad, Sridhar M. Seetharaman, Benjamin N. Wu, Robert Bosi, Morgan S. Allen
  • Patent number: 9934497
    Abstract: Apparatus and methods for an automated teller machine (“ATM”) currency stamper are provided. The currency stamper may be configured to mark currency retracted by the ATM. The mark may include one or more attributes of the currency. The mark may include transaction information associated with a dispensing and/or retraction of the currency. Marked currency may be stored in the ATM. Marked currency may be scanned. A scanning of marked currency may read the attributes of the currency and the transaction information included in the mark. The scanning of the marked currency may erase the mark. A value of the marked currency may be calculated. The value may be determined based on the currency attributes and transaction information included in the mark applied to the currency.
    Type: Grant
    Filed: January 20, 2016
    Date of Patent: April 3, 2018
    Assignee: Bank of America Corporation
    Inventors: Kristy M. Crist, Terrelle Carswell, Eric McConnell, Rahul Puri, Devin D. Rhodes, James D. Goodwin
  • Patent number: 9875611
    Abstract: Electronic fund transfer (EFT) systems and methods are disclosed for managing and transferring electronic funds from a patron's financial account for use in a gaming or amusement environment. The systems comprise a secured electronic transaction terminal and a secured first computing device in communication with a financial network. The terminal is configured to communicate with the patron's financial account via the secured first computing device and the financial network to electronically transfer funds at the patron's request.
    Type: Grant
    Filed: January 3, 2015
    Date of Patent: January 23, 2018
    Assignee: AUTOMATED CASHLESS SYSTEMS, INC.
    Inventor: Stephen L. Warner
  • Patent number: 9852286
    Abstract: An identity management system detects the occurrence of a trigger event, such as a time period expiration, or an action on the identity management system. The identity management system accordingly generates a new password for an account of a user on a third-party service and causes the account of the user on the third-party service to use the new password. The identity management system may also a mobile device management system to configure a client of the user with the new password.
    Type: Grant
    Filed: May 27, 2015
    Date of Patent: December 26, 2017
    Assignee: Okta, Inc.
    Inventors: Hector Aguilar-Macias, Reman P. Child, Xin Gu, Jonathan R. Todd, Thomas M. Belote