Including Automatic Teller Machine (i.e., Atm) Patents (Class 705/43)
  • 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: 9852415
    Abstract: Mobile apparatus with transaction information is disclosed. The mobile apparatus receives, from an electronic service, with the wireless transceiver, a plurality of packets relating to transactions of an account linked with a payment card, transforms the received plurality of packets into transaction information, and displays, with the user interface, the transaction information such that transactions in relation to each other are represented by geometric objects.
    Type: Grant
    Filed: March 14, 2014
    Date of Patent: December 26, 2017
    Assignee: OP-PALVELUT OY
    Inventors: Kristian Luoma, Jussi Juntunen, Tuomas Jomppanen
  • 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
  • Patent number: 9842323
    Abstract: Embodiments of the disclosure relate to systems and methods for communicating transaction-related data to a recipient device. In at least one embodiment, a computer-implemented method can be provided. The method can include directing storage of transaction-related information comprising payment data and value added services data. The method can further include communicating the transaction-related information to a recipient device during a card emulation communication initiated by the recipient device, wherein the recipient device utilizes the transaction-related information to complete a payment transaction and provide one or more value added services associated with the payment transaction.
    Type: Grant
    Filed: March 13, 2013
    Date of Patent: December 12, 2017
    Assignee: First Data Corporation
    Inventor: Vijay Kumar Royyuru
  • Patent number: 9836187
    Abstract: Architecture that enables a card interaction model that can present cards in different ways. When a user performs tasks, new stacked cards (one card on top of another card) corresponding to those tasks open in a left pane over the top of a background canvas (a card overlay of the underlying canvas). Users can scroll through the card stack of the card overlay to retrieve previous cards. Additionally, in an alternative viewing mode, a user can interact with the card overlay via an interactive affordance (an interactive object made available to facilitate a potential action) to enable viewing (e.g., an overview) of the cards in a side-by-side card overlay manner to further enable the opening and quick navigation to one of the previous cards. The architecture has applicability to mapping systems where searches range over many different geographical sites.
    Type: Grant
    Filed: April 12, 2016
    Date of Patent: December 5, 2017
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Hae Jin Lee, Daniel Dole
  • Patent number: 9824344
    Abstract: Techniques for automated transactions are provided. A customer uses a mobile device to interact with a self-service checkout device (SSCO) to perform a transaction. Initially, a unique barcode for the transaction is generated and displayed to the customer, via an attract screen of the SSCO. The mobile device scans the barcode (can be a QR code); this causes the mobile device to communicate with a remote server that identifies the customer. Preferences for the customer are retrieved and the transaction and features of the SSCO are configured based on the preferences. The transaction proceeds with the configured preferences.
    Type: Grant
    Filed: May 6, 2015
    Date of Patent: November 21, 2017
    Assignee: NCR Corporation
    Inventor: Erick Kobres
  • Patent number: 9785925
    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: October 10, 2017
    Assignee: Bank of America Corporation
    Inventors: Kristy M. Crist, Terrelle Carswell, Eric McConnell, Rahul Puri, Devin D. Rhodes, James D. Goodwin
  • Patent number: 9779589
    Abstract: According to one embodiment, a receipt data processing device includes an obtaining section, a data generating section, and an output section. The obtaining section is configured to obtain customer code of a customer who purchased an item. The data generating section configured to generate receipt data including information about the purchased item, and include the customer code in the receipt data when the customer code is obtained. The output section is configured to output the receipt data to a certain destination based on whether or not the receipt data includes the customer code.
    Type: Grant
    Filed: April 9, 2014
    Date of Patent: October 3, 2017
    Assignee: TOSHIBA TEC KABUSHIKI KAISHA
    Inventor: Hiromasa Suzuki
  • Patent number: 9779397
    Abstract: A transactional system and method for a table game is described. The transactional system includes a controller, a printer, a wireless device and a payment gateway. The controller is communicatively coupled to the printer and the combination is associated with the table game. The wireless device is communicatively coupled to the controller and receives at least one transactional input that initiates a transaction from the wireless device. The controller communicates the transactional data to payment gateway and then receives an authorization response from the payment gateway for an approved transaction. The controller communicates the authorization response to the wireless device, which presents a receipt for the approved transaction at the wireless device. The controller also communicates the authorization response to the printer, which generates an indicia of value. The indicia of value is converted to at least one casino chip at the table game.
    Type: Grant
    Filed: May 12, 2015
    Date of Patent: October 3, 2017
    Assignee: AUTOMATED CASHLESS SYSTEMS, INC.
    Inventors: Stephen L. Warner, Shawn Quick
  • Patent number: 9781105
    Abstract: The presently disclosed subject matter includes a system, a method and a non-transitory program storage device configured for authorizing access of a user device to a service provider server. Responsive to a request to authenticate the identity of a user attempting to access an SP server via a user device (UD), an authentication server is configured to initiate at least one authentication operation using a second UD; in the event of a failure to receive a response to the at least one authentication operation from the second UD, the authentication server is configured to proceed according to an alternative authentication method which does not involve the second UD.
    Type: Grant
    Filed: May 4, 2015
    Date of Patent: October 3, 2017
    Assignee: Ping Identity Corporation
    Inventors: Avish Jacob Weiner, Ran Ne'Man
  • Patent number: 9767444
    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: September 19, 2017
    Assignee: Bank of America Corporation
    Inventors: Kristy M. Crist, Terrelle Carswell, Eric McConnell, Rahul Puri, Devin D. Rhodes, James D. Goodwin
  • Patent number: 9747597
    Abstract: A mobile device is utilized for a mobile payment system. The mobile device includes an identity module for storing an identity data; a communication module for communicating with a client and receiving a start signal to generate a notification signal; a processing module for executing an application program to obtain an authentication information according to the notification signal and determining whether the authentication information is legal according to a checking information to generate a switching signal; and a switching module for determining whether to connect the communication module and the identity module according to the switching signal; wherein the communication module reads the identity data stored in the identity module to obtain an identity result according to a conduction of the switching module, and transmits the identity result to the client.
    Type: Grant
    Filed: December 27, 2013
    Date of Patent: August 29, 2017
    Assignee: Wistron Corporation
    Inventor: Tung-Ming Wu
  • Patent number: 9697059
    Abstract: A message channel optimization method and system enables multi-flow access to the message channel infrastructure within a CPU of a processor-based system. A user (pcode) employs a virtual channel to submit message channel transactions, with the message channel driver processing the transaction “behind the scenes”. The message channel driver thus allows the user to continue processing without having to block other transactions from being processed. Each transaction will be processed, either immediately or at some future time, by the message channel driver. The message channel optimization method and system are useful for tasks involving message channel transactions as well as non-message channel transactions.
    Type: Grant
    Filed: May 26, 2015
    Date of Patent: July 4, 2017
    Assignee: INTEL CORPORATION
    Inventors: Daniel G. Borkowski, Krishnakanth V. Sistla
  • Patent number: 9659294
    Abstract: Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct transactions with ATM devices.
    Type: Grant
    Filed: February 29, 2016
    Date of Patent: May 23, 2017
    Assignee: PAYPAL, INC.
    Inventor: Kevin Laracey
  • Patent number: 9619697
    Abstract: A system and method for identity authentication, including: registering an identity card issued by an authoritative entity to an individual with an identity authentication platform including generating a reference face recognition template for the individual in response to the identity card presented by the individual during registration; obtaining a real-time photograph of the individual in response to an assertion of an identity made by the individual; and authenticating the assertion made by the individual by generating a target face recognition template in response to the real-time photograph and matching the target face recognition template to the reference face recognition template.
    Type: Grant
    Filed: June 16, 2015
    Date of Patent: April 11, 2017
    Assignee: HOTCOAL INC.
    Inventor: Ramesh Pabbichetty
  • Patent number: 9595035
    Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a transaction machine. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an exceeded threshold as a result of the transaction; (c) prompting, via the transaction machine, the holder to consent to the exceeded threshold; (d) receiving the holder's consent to the exceeded threshold; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.
    Type: Grant
    Filed: March 15, 2013
    Date of Patent: March 14, 2017
    Assignee: Bank of America Corporation
    Inventors: Tamara S. Kingston, John Franklin Tuders, Ross Matthew Feldman, Marc Lance Warshawsky, Erik Stephen Ross, Elbert Lee Whitler, Mark D. Zanzot, Ketil Bjugan, Scott Mastbrook, William Sydney Ivey, Mark Allan Nelson, Brenda Lisbeth Smyth, Doris Maria Garrett, Jonathan H. Tucker, Catherine Stokes Pullen, Paul Ronald DeKoster
  • Patent number: 9595036
    Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a mobile device. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an excess threshold amount as a result of the transaction; (c) prompting the holder to consent to the excess threshold amount via the mobile device, where the holder is associated with the mobile device; (d) receiving the holder's consent to the excess threshold amount; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.
    Type: Grant
    Filed: March 15, 2013
    Date of Patent: March 14, 2017
    Assignee: Bank of America Corporation
    Inventors: Tamara S. Kingston, John Franklin Tuders, Ross Matthew Feldman, Marc Lance Warshawsky, Erik Stephen Ross, Elbert Lee Whitler, Mark D. Zanzot, Ketil Bjugan, Scott Mastbrook, William Sydney Ivey, Mark Allan Nelson, Brenda Lisbeth Smyth, Doris Maria Garrett, Jonathan H. Tucker, Catherine Stokes Pullen, Paul Ronald DeKoster
  • Patent number: 9565544
    Abstract: Methods and systems for managing resource usage of a mobile device based on a resource threshold of a wireless communications network. A resource policy is received from a mobile device. The resource policy indicates that a network resource manager associated with a wireless communications network is authorized to use the resource policy to control the resource usage of the mobile device to support a resource threshold level of the wireless communications network. The wireless communications network is associated with a service provider of the mobile device. It is then determined that the wireless communications network has met the resource threshold. Upon determining that the wireless communications threshold has met the resource threshold, the resource usage of the mobile device is limited using the received resource policy of the mobile device.
    Type: Grant
    Filed: February 16, 2016
    Date of Patent: February 7, 2017
    Assignee: Sprint Communications Company L.P.
    Inventors: Raymond Emilio Reeves, Simon Youngs, Gary Duane Koller, Mark Douglas Peden
  • Patent number: 9558636
    Abstract: A bank server allows a user of one ATM to reserve cash at another, nearby ATM when the first ATM has an inadequate cash inventory to serve the user's requested transaction. The user attempts to withdraw cash from the first ATM, but the first ATM has insufficient cash to perform the withdrawal transaction. Through the first ATM, the bank server offers the user a cash reservation at the other ATM. The bank server causes the other ATM to reserve a requested amount of cash for the user, possibly refusing to dispense cash to other users if doing so would leave the other ATM with insufficient cash to dispense the reserved cash. The user travels a short distance to the other ATM and withdraws the reserved cash. In effect, the other ATM can now perform the withdrawal transaction requested of the first ATM when the first ATM couldn't.
    Type: Grant
    Filed: September 28, 2015
    Date of Patent: January 31, 2017
    Assignee: Uniloc Luxembourg S.A.
    Inventor: Jonathan Ralph Burdick
  • Patent number: 9503447
    Abstract: Secure communication between processes in cloud platform may be performed by receiving a request from a client application process hosted in an application virtual machine at a load balancer. A first secure communication channel is established between the client application process and the load balancer. The first secure communication channel is encrypted with the client certificate. The first secure communication channel is terminated at the load balancer. A service process in a service virtual machine is identified based on the request received from the client application process. A new request is sent to the service virtual machine to establish a second secure communication channel between the load balancer and the service virtual machine. The load balancer certificate signed by the internal certificate authority is validated at the service virtual machine. Upon successful validation of the load balancer certificate, the second secure communication channel is accepted at the service virtual machine.
    Type: Grant
    Filed: January 30, 2014
    Date of Patent: November 22, 2016
    Assignee: SAP SE
    Inventors: Svetoslav Manolov, Diyan Yordanov, Petio Petev, Bojidar Kadrev
  • Patent number: 9485250
    Abstract: One embodiment is in the form of a Self-Service Terminal (SST), such as an automated teller machine (ATM). The SST includes a peripheral device, such as a cash dispenser, and a security controller device including a memory device and a coupling to the peripheral device. The security controller device is operable to perform data processing activities including receiving peripheral device identifying data from the peripheral device and transmitting a public key (SCpk) of the security controller device to the peripheral device. The security controller may then decrypt a received peripheral device encryption key (Ki) according to SCpk, generate a first security controller encryption key (Ke1), and generate a first message authentication code key and encrypt the first message authentication code key according to Ke1 to obtain (Km1)Ke1. (Km1)Ke1 may then be stored in the memory device and transmitted to the peripheral device.
    Type: Grant
    Filed: January 30, 2015
    Date of Patent: November 1, 2016
    Assignee: NCR Corporation
    Inventor: Brian Steven Wotherspoon
  • Patent number: 9436936
    Abstract: Systems, methods, means, computer program code and computerized processes include receiving a first set of de-identified transaction data from a first transaction data source, receiving a second set of de-identified transaction data from a second transaction data source, filtering the first and second sets of de-identified transaction data to identify transactions associated with at least a first entity and to create first and second filtered data sets, removing data associated with an identifier field for each of the transactions in the first filtered data set to created a de-identified first data set, removing data associated with an identifier field for each of the transactions in the second filtered data set to create a de-identified second data set, and processing the first and second de-identified data sets using a probabilistic engine to establish a linkage between data in each data set.
    Type: Grant
    Filed: August 26, 2015
    Date of Patent: September 6, 2016
    Assignee: MasterCard International Incorporated
    Inventor: Marianne Iannace
  • Patent number: 9411723
    Abstract: A data exchange system including: a microprocessor; a non-volatile memory; a first communication channel linking the microprocessor to the non-volatile memory; a first supply channel configured to supply electrical energy to the microprocessor and to the non-volatile memory; a control device; a second communication channel through which an external device can exchange data with the non-volatile memory; a second supply channel configured to supply the control device and the non-volatile memory.
    Type: Grant
    Filed: April 19, 2013
    Date of Patent: August 9, 2016
    Assignee: SCHNEIDER ELECTRIC INDUSTRIES SAS
    Inventors: Tewfik Meftah, Romain Gassion, Thierry Chiche
  • Patent number: 9387693
    Abstract: A two-sided receipt printing method that prints on both sides of paper and produces receipts, and can reduce white space at the leading end of receipts without conveying the paper in reverse. A device that produces two-sided receipts has a cutter, a first printhead that prints on one side of the paper, and a second printhead that prints on the other side of the paper disposed at specific intervals along the paper conveyance path from the paper exit. When an end-of-transaction declaration is received, transaction information is printed by the second printhead and non-transaction information is printed by the first printhead. After printing the transaction information, header information of a length that fits between the cutter and the second print data is printed by the second printhead. The cutter then cuts the paper at a position between where the transaction information was printed and where the header information was printed.
    Type: Grant
    Filed: November 22, 2011
    Date of Patent: July 12, 2016
    Assignee: Seiko Epson Corporation
    Inventor: Naoki Kobayashi
  • Patent number: 9342963
    Abstract: The present disclosure provides systems and methods for implementing a self-service terminal (“SST”) monitoring, notification and maintenance system. Embodiments of the proposed invention may simplify a task of locating an operational SST having a specific operational status and/or capability within a geographic area. Embodiments may automatically determine and monitor an operational status and/or capabilities of a SST. The operational status may include an operational status indicative of a SST that need servicing or repair. A location of a device used to submit a request for SST information may be automatically determined. Location, operational status and directions on how to locate a specific SST within a distance of the determined location may be transmitted in response to a request for SST information. The operational status of multiple SSTs within a geographic area may be monitored.
    Type: Grant
    Filed: April 14, 2011
    Date of Patent: May 17, 2016
    Assignee: Bank of America Corporation
    Inventors: William H. McGraw, IV, Richard L. Fitzgerald, Matthew K. Bryant
  • Patent number: 9275383
    Abstract: In some embodiments, a mobile kiosk includes a vehicle and a kiosk portion coupled to the vehicle. The mobile kiosk provisions financial products. The mobile kiosk receives information for a first configuration customized according to a first customer location, applies the first configuration, and provisions a first set of the financial products using the first configuration. The mobile kiosk then receives information for a second configuration customized according to a second customer location, applies the second configuration, and provisions a second set of the financial products using the second configuration. The second configuration differs from the first configuration and the second location differs from the first location.
    Type: Grant
    Filed: July 31, 2014
    Date of Patent: March 1, 2016
    Assignee: Bank of America Corporation
    Inventors: Angel A. Vargas, Matthew Laine Donlan
  • Patent number: 9264879
    Abstract: Methods and systems for managing resource usage of a mobile device based on a resource threshold of a wireless communications network. A resource policy is received from a mobile device. The resource policy indicates that a network resource manager associated with a wireless communications network is authorized to use the resource policy to control the resource usage of the mobile device to support a resource threshold level of the wireless communications network. The wireless communications network is associated with a service provider of the mobile device. It is then determined that the wireless communications network has met the resource threshold. Upon determining that the wireless communications threshold has met the resource threshold, the resource usage of the mobile device is limited using the received resource policy of the mobile device.
    Type: Grant
    Filed: June 5, 2012
    Date of Patent: February 16, 2016
    Assignee: Sprint Communications Company L.P.
    Inventors: Raymond Emilio Reeves, Simon Youngs, Gary Duane Koller, Mark Douglas Peden
  • Patent number: 9224083
    Abstract: An embodiment includes a credit card device capable of generating a programmed magnetic field of alternating polarity based on a speed of a card swipe, and methods for constructing the device for the purpose of emulating a standard credit card. An apparatus is described to allow said device to emulate behavior of a credit card when used in electronic credit card readers. Additionally methods are described to allow user control of said device for the purpose of authorizing or controlling use of said device in the application of credit, debit and cash transactions, including cryptocurrency and card-to-card transactions. Methods are also described for generating a limited-duration credit card number when performing a transaction for the purpose of creating a limited-use credit card number, which is limited in scope of use to a predetermined number of authorized transactions. Furthermore said device may interact with other similar devices in proximity for the purpose of funds or credit/debit transfers.
    Type: Grant
    Filed: April 7, 2015
    Date of Patent: December 29, 2015
    Inventor: David Wyatt
  • Patent number: 9218597
    Abstract: A system and method for enabling a wireless device to use card data during a transaction are provided. The method is performed by one or more processors configured to receive first financial card data, associate a first transaction type with the first financial card data, receive second financial card data, and associate a second transaction type with the second financial card data. The method further comprises receiving transaction type data, automatically selecting the first financial card data or the second financial card data based on the received transaction type data, and communicating the automatically selected financial card data for use in the transaction.
    Type: Grant
    Filed: July 9, 2014
    Date of Patent: December 22, 2015
    Assignee: Capital One Financial Corporation
    Inventor: Gregory M. Gannon
  • Patent number: 9208487
    Abstract: A card transaction device is provided. And it's disposed in a smart phone, the smart phone includes a transaction processing application, and the card transaction device includes a credit card reader, a converter, a microcontroller, a plug, and a data register. The credit card reader is configured to read and encode basic information of a card, so as to generate a first encoded data. The converter is configured to convert the input data into an audio signal. The microcontroller is configured to control and manage the card reader and the converter. The microcontroller can reset the card reader and the converter, the plug is configured to plug into an audio hole of the smart phone, and the audio signal is transmitted through the audio hole to the smart phone.
    Type: Grant
    Filed: January 2, 2014
    Date of Patent: December 8, 2015
    Assignee: Smart Approach Co., Ltd.
    Inventor: Hsin-Lung Lin
  • Patent number: 9202326
    Abstract: A money handling apparatus that handles money includes an inlet for taking in money; a money storing unit that stores therein the money; an outlet for dispensing the money; a money transport unit that transports the money between the inlet and the outlet, and the money storing unit; a money recognition unit that is provided to the transport unit and recognizes the money; a check receiving port for receiving a check; a scanner that scans the check to acquire a check image; a check transport unit that transports the check between the check receiving port and the scanner; a check recognition unit that recognizes check information that includes at least a check amount from the check image acquired by the scanner; and a control unit that dispenses money equivalent to an amount of difference between a transaction amount acquired from outside the money handling apparatus and a sum of the check amount and an amount of the deposited money.
    Type: Grant
    Filed: January 29, 2010
    Date of Patent: December 1, 2015
    Assignee: GLORY LTD.
    Inventor: Kazuhiro Doi
  • Patent number: 9196108
    Abstract: There is provided an apparatus and a method of maintaining, repairing and/or optimizing a banknote validator using a network. The apparatus includes a banknote validator configured to count banknotes or determine genuineness or fitness of the banknotes, a wired or wireless network connection unit configured to relay or transmit one or more first data items and/or software, first data items and software updating, maintaining and/or repairing the banknote valuator and including security information, and a server configured to receive one or more second data items and software version information from the banknote validator and optionally transmit maintenance and repair results to the banknote validator through the wired or wireless network connection unit. The wired or wireless network connection unit may comprise a predetermined smart device or a web adjuster.
    Type: Grant
    Filed: June 20, 2014
    Date of Patent: November 24, 2015
    Assignee: Kisan Electronics Co., Ltd.
    Inventors: Oh Hyun Kwon, Changho Ko
  • Patent number: 9171303
    Abstract: Methods, devices, and systems for conducting a checkless cash access settlement are provided.
    Type: Grant
    Filed: September 26, 2011
    Date of Patent: October 27, 2015
    Assignee: Everi Payments, Inc.
    Inventors: Craig K. Potts, Richard Beer
  • Patent number: 9171300
    Abstract: A self-service, self-checkout micro-market retail shopping system for disposition and use in an private or public office, factory or other workspace for use by employees, workers and the like. The micro-market may supply snacks, candies, beverages, other food items and various convenience items such as toiletries for use by employees, workers and other during the work day, lunch and break time. The micro-market may also supply work related items such as uniforms and apparel, tools, office supplies, travel accessories and the like. The devices and process also include enhanced vendor administration tools and functionality. The devices and process also include enhanced user ability to use mobile devices and apps, and on-line tools for creating and managing accounts and for purchasing items.
    Type: Grant
    Filed: July 15, 2014
    Date of Patent: October 27, 2015
    Assignee: TW Vending, Inc.
    Inventors: Todd Westby, Sam Bengstone, Ben Halberg, Eric Bloms
  • Patent number: 9082252
    Abstract: An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is able to perform at least one banking operation responsive to account indicia read by the card reader from the card. The banking operations include dispensing cash and accessing financial accounts. In an example embodiment, the machine is operative to produce an audio output including verbal information through a headphone port to a headphone.
    Type: Grant
    Filed: March 25, 2014
    Date of Patent: July 14, 2015
    Assignee: Diebold Self-Service Systems Division of Diebold, Incorporated
    Inventors: Bruce Bowen, Lee Kravitz, James Trocme
  • Patent number: 9064231
    Abstract: A method of converting a document, such as a document complying with the CEN-XFS standard for Forms. The method comprises accessing format parameters; reading information from the document; parsing the read information to detect attributes and text; identifying any detected attributes not consistent with the accessed format parameters; converting any identified attributes not consistent with the accessed format parameters into attributes consistent with the accessed format parameters; and creating a converted document in which all of the attributes conform to the accessed format parameters.
    Type: Grant
    Filed: December 13, 2007
    Date of Patent: June 23, 2015
    Assignee: NCR Corporation
    Inventors: Ian J. Ferris, Lynn Milby
  • Patent number: 9053475
    Abstract: Techniques for automated transactions are provided. A customer uses a mobile device to interact with a self-service checkout device (SSCO) to perform a transaction. Initially, a unique barcode for the transaction is generated and displayed to the customer, via an attract screen of the SSCO. The mobile device scans the barcode (can be a QR code); this causes the mobile device to communicate with a remote server that identifies the customer. Preferences for the customer are retrieved and the transaction and features of the SSCO are configured based on the preferences. The transaction proceeds with the configured preferences.
    Type: Grant
    Filed: October 31, 2011
    Date of Patent: June 9, 2015
    Assignee: NCR Corporation
    Inventor: Erick Kobres
  • Patent number: 9047640
    Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an account exceeding available funds or credit service involving an account exceeding available funds or credit magnetic stripe.
    Type: Grant
    Filed: March 15, 2013
    Date of Patent: June 2, 2015
    Assignee: Bank of America Corporation
    Inventors: Tamara S. Kingston, Willard Andrew Barr, Doris Maria Garrett, Mark Allan Nelson, Jonathan H. Tucker, John Franklin Tuders, Elbert Lee Whitler, Paul Ronald DeKoster
  • Patent number: 9043240
    Abstract: Systems, apparatus and methods for providing an un-personalized and un-embossed mobile companion prepaid card to a consumer having a mobile wallet account. An embodiment includes a wallet provider computer receiving an approval request from an agent device for a mobile companion prepaid card for a consumer. The process includes the wallet provider computer determining an issuer financial institution (FI) associated with the mobile companion prepaid card, transmitting the approval request to an issuer FI processor, receiving an approval message, and transmitting the approval message and a request to a consumer's mobile device to provide cardholder verification met hod (CVM) data. The method also includes receiving and validating the CVM data, transmitting a mobile companion prepaid card activation request, receiving a confirmation message indicating activation, and transmitting a message confirming activation of the mobile companion prepaid card to the consumer's mobile device.
    Type: Grant
    Filed: February 21, 2014
    Date of Patent: May 26, 2015
    Assignee: MasterCard International Incorporated
    Inventors: Jeffrey Langus, Venu Appana, Rajen S. Prabhu
  • Patent number: 9033222
    Abstract: A card reading machine includes a card reader for reading data on a magnetic card and a device for preventing reading of the data on the magnetic card by illegal card reading devices operatively associated with the card reading machine. The device for preventing may include an oscillator, a driver circuit and a coil for generating electromagnetic signals similar to data on a card. A method for preventing reading of data on a magnetic card by in illegal card reader in operative association with an apparatus having a card reader intended to read the data on the magnetic card includes producing a signal ruining the data collected by the illegal card reader. The apparatus having a card reader may include an insertion slot in which case the method may further include producing the signal near the insertion slot.
    Type: Grant
    Filed: August 14, 2013
    Date of Patent: May 19, 2015
    Assignees: Kronik Elektrik Elektronik Ve Bilgisayar Sistemleri Sanayi Ticaret Limited Sirketi, TMD Holding B.V.
    Inventors: Cihat Celik Basar, Hakan Askeroglu, Ismet Yesil