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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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).

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.