Abstract: An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes a processor that is in operative connection with a card reader and a touch screen display. The processor can cause the card reader to read card data from a user card, and can determine whether the read card data corresponds to an authorized financial account. Without the touch screen display surface visibly providing indicia that corresponds to a desired character, the user can still input the character through user contact with the touch screen display surface. The processor can resolve the desired character from the user contact.

Abstract: Systems and methods for authenticating a user's identity at an ATM are provided. A method for authenticating a user's identity at an Automated Teller Machine (“ATM”) includes using a first receiver to receive information from an ATM touch screen relating to a first numerical digit and a second numerical digit selected by the user. The method further includes using a second receiver to receive information from a fingerprint scanner relating to first biometric information input into the fingerprint scanner and second biometric information input into the fingerprint scanner, wherein the fingerprint scanner is removably coupled to the ATM via a USB port included in a secured portion of the ATM, the secured portion of the ATM being inaccessible to the user. The method may also include using a transmitter to transmit the information received by the first receiver and the second receiver to a remote server.

Abstract: A method includes receiving, at a client access module, a request from a client to process a loan transaction, wherein the request is associated with a particular loan system. The method also includes determining, by a processor, the particular loan system associated with the request, determining one or more rules associated with the request and a selected one of the client access module and the particular loan system, and applying, by the processor, the one or more determined rules to the request using the account information.

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 enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. A user is also enabled to perform at least one banking operation responsive to financial account data communicated to the automated banking machine from a mobile phone.

Abstract: A money transfer system with imaging. The system includes a first money transfer terminal and an imaging device. The imaging device is configured to acquire a first set of imaging information of a user. The system also includes a host computer system, configured to receive at least a portion of the first set of financial transaction information and at least a portion of the first set of imaging information. The system also includes a previous transaction database, an external database, and a decision maker terminal. The system also includes a second money transfer terminal and a second imaging device. The second imaging device is configured to acquire a second set of imaging information of the second user.

Abstract: The application provides a transaction-processing system for performing multi-factor verification of transactions between a plurality of users and a verification processor. The processor is in operational communication with a database storing a plurality of verification records, wherein each record comprises a unique ID and said record containing at least one MSISDN value. Each record comprises at least one reference device serial number value, and each verification record logically and uniquely associated with each of the said plurality of users. The system comprises a routine for reading from a first memory space a verification request message and routine associating said request message to an associated verification record stored on database.

Abstract: The present invention relates to a self-service banking system, comprising: one or more means for depositing or withdrawing sums (2); one or more sums storage means (3) disposed spaced apart from said one or more means for depositing or withdrawing sums (2); and at least one means of transportation (4) configured for transporting sums between the one or more means for depositing or withdrawing sums (2) and the one or more sums storage means (3).

Abstract: A banking system operates to cause financial transfers responsive to card data read from data bearing records by a card reader. The system includes at least one automated banking machine comprising a cash dispenser. The system is operative during a cash dispense transaction request to receive through an automated banking machine, machine user input of data corresponding to a mobile phone number. The system is operative to generate a security code for the requested cash dispense transaction. The system uses the phone number to send the generated security code to the mobile phone. The cash dispense transaction is allowed to proceed only if the system receives machine user input of the sent security code.

Abstract: An automated banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The automated banking machine includes a card reader for reading data from user cards. The automated banking machine causes financial transfers related to financial accounts that correspond to data read from user cards. The automated banking machine also includes devices that control the supply of power to transaction function devices such as the card reader to avoid exceeding power supply capacity.

Abstract: Apparatus and methods for a sensor system are provided. The system may be configured to detect a dispensing of cash from an automated teller machine (“ATM”). The system may be configured to orient one or more sensors to capture a first information stream that includes the dispensing of cash. The system may be configured to detect a retraction of cash by the ATM. The system may orient one or more sensors to capture a second information stream that includes the retraction. The system may be configured to determine an estimate of cash collected by an ATM customer. The estimate may be based on a comparison of the first information stream and the second information stream.

Abstract: Disclosed is an automated teller machine (ATM) which includes a financial transaction input unit to receive input of a financial transaction request, a first communication unit to communicate with a first server to process at least part of a plurality of steps corresponding to the financial transaction request, a consulting service input unit to receive input of a request for a consulting service associated with the financial transaction request in the plurality of steps, an identification unit to identify a step in which the request for the consulting service is input in response to the consulting service request among the steps, a generation unit to generate financial transaction information corresponding to the identified step, and a second communication unit to request a consulting service associated with the identified step to a second server based on the financial transaction information.

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 staged bill payment transaction method comprises receiving transaction information from a user terminal at a kiosk, building a staging record at a data center in communication with the kiosk, and providing a retrieval key to the sender. The transaction information includes sender and biller information, for example where the sender has an account with the biller. The staging record comprises the transaction information and the retrieval key, which identifies the staging record for finalizing the transaction. If the retrieval key leads to the staging record at the data center, the staged bill payment transaction proceeds to credit a send amount to biller. If not, the transaction is rejected.

Abstract: A method for a mobile device to conduct a transaction with an unattended point-of-transaction device is disclosed. The method comprises transmitting to the unattended point-of-transaction device, via near field communication (NFC), information indicating that the transaction is being initiated; receiving from the unattended point-of-transaction device, via NFC, credentials indicating that the unattended point-of-transaction device is authorized to engage in the transaction; and transmitting to the unattended point-of-transaction device, via NFC, secure information indicating to the unattended point-of-transaction device that the mobile communication device is authorized to conduct the transaction. The secure information may be a PIN entered into the mobile device or a data record specifying an action to be performed by the unattended point-of-transaction device.

Abstract: An envelope-free deposit mechanism of a transaction machine receives a deposit from an account holder. The deposit comprises papers includes a combination of cash and checks. The deposit mechanism scan images from the cash and checks. For each paper, it is determined whether the paper is a check or cash. The determining is performed based on a characteristic of the paper scanned by the deposit mechanism.

Abstract: A cash recycler that is configured to allow deposited money to be dispensed (recycled) in a withdrawal transaction. In one embodiment, multiple currency recyclers could be used at multiple stores of a retail establishment and collectively work from one pending balance. Embodiments are also contemplated in which multiple accounts at one recycler location. In some cases, the currency recycler provides provisional credit for deposits of coinage and checks. In some cases, transactions made on the currency recycler could be settled to any financial institution.

Abstract: A system and method of using Electronic Funds Transfer (EFT) to complete payment for goods and services. An example method of operating a transaction terminal includes identifying items selected by a customer for purchase, determining a required payment amount for the items, obtaining identification information from the customer, obtaining contact information and payment information, including bank account information and bank routing number information, from a customer profile associated with the identification information, creating a check image, sending a request for payment message providing access to the check image and the payment information to a mobile communication device of the customer using the contact information in the customer profile, and receiving a reply message from the mobile communication device authorizing payment for the items via electronic funds transfer and including a 2D barcode containing the check image and the payment information.

Abstract: A system and method for electronic money withdrawal. This operation is implemented by a transfer of electronic money from the user electronic wallet to a money distribution authority, typically a bank. Advantageously, a strong authentication occurs previously with the bank. The transfer includes the ATM identifier. A delivery identifier is delivered to the user. The user then goes to the ATM and proceeds to the withdrawal with its GSMT id and delivery id. Accordingly a robust and reliable withdrawal is possible. It may be actually done at the ATM without the mobile device handling the electronic wallet.

Abstract: An automated banking machine (10) is operative to carry out financial transactions and includes a user interface (15). The user interface includes a card reader (16) which is operative to read data on user cards which identify user's financial accounts. A fascia of the machine includes a keypad (404, 438, 458) through which users input confidential data. Covers (400, 422, 430) prevent unauthorized persons from viewing confidential inputs to the keypad. Alternatively, movable panels (462, 464) are movable to prevent unauthorized viewing of confidential inputs. Alternatively a keypad cover is selectively collapsible to prevent digit access. A visual indicator is operative to indicate to a user that keypad inputs are being encrypted. Disinfecting techniques may be used to disinfect manual contact surfaces of the machine.

Abstract: Embodiments described herein include an electronic transaction service network (also referred to herein as a centralized electronic transaction (CET) service). According to an embodiment, a financial management system hosts multiple CET web sites on behalf of multiple merchants. All transactions through any CET web site are executed and managed by the financial management system. Merchants may customize their web sites to include a branded look and feel. The merchant web sites are part of a CET service for which a customer can register. Registered customers can then view and pay invoices from any merchants having CET web sites, whether purchases were made online or offline. Customers specify preferences for the CET service including choosing existing customer accounts from which the financial management system is to pay invoices on behalf of the customer. This eliminates the need for the customer to open and fund a separate payment account as in traditional methods.

Abstract: In an example embodiment, a routing computer is operable to communicate with an automated banking machine and with a plurality of remote financial transaction authorization systems. The routing computer is operable to receive data representative of a requested transaction associated with a financial account associated with a user operating the automated banking machine. The routing computer is operable to determine for the plurality of remote financial transaction authorization system a transaction processing fee for the requested transaction. The routing computer is operable to select a selected one of the plurality of remote financial transaction authorization systems for the transaction, wherein the selected one of the plurality of remote financial transaction systems is selected based on having the lowest transaction processing fee for the requested transaction.

Abstract: In some embodiments, an apparatus includes a memory and a processor. The processor is operable to present, in a first region of a display, information associated with a first transaction of a plurality of transactions and present, in a second region of the display, a first option, the first option indicating that, when selected, the user has marked the first transaction for further review. The processor is further operable to present, in a third region of the display, a second option and present, in a fourth region of the display, a notification indicating a second transaction of the plurality of transactions. Additionally, the processor is operable to detect a touch on the display indicating the selection of the second transaction and present, in the first region of the display, information associated with the second.

Abstract: As banking transactions are processed by a bank teller, all of the relevant information with respect to the transaction (e.g., dollar amount) is captured in an electronic file. Each of the electronic files from the various branches of the bank are forwarded to a central back office processing center where the electronic files are combined into a single Transaction Repository. At the end of the branch day, all of the paper associated with the transactions is forwarded from the branches to the back office processing center. The paper transactions are imaged in the conventional manner and the Magnetic Ink Character Recognition (MICR) data is read from the paper. The present invention then automatically correlates the images and MICR data captured from the paper with the complete transaction record contained in the Transaction Repository. Most of the conventional back office processing can now be performed without the need to perform character recognition and without the need for excess human intervention.

Abstract: The gold and precious metal buying machine and method has a housing, a vault and inboard processing stations for: weighing, detecting constituent elements with x-rays and measuring volume based upon gas or fluid displacement. Weight, elemental data and volume is used to calculate gold weight and discounted market value based upon exchange rate, gold weight and a discount factor. Market value is displayed and if accepted, the system generates payment instruction and vault storage command. A rejection negates the acceptance upon request or error signal and generates rejection command. Machine transports item to various stations and, upon the storage command to the vault, and upon rejection to the item return port in the housing. An air displacement test uses a processor measuring a differential volume and a chambered item at a different pressure by a differential position of a piston movable in the chamber.

Abstract: A method includes obtaining an image to be compared at the time of use which is intended for comparing biometric information at the time of use of a user, obtaining posture information at the time of use which indicates a posture when biometric information at the time of use of the user is shot, performing personal authentication for the user by comparing the image to be compared at the time of use with a preregistered image to be compared at the time of registration of the user, and inputting an operation instruction corresponding to operation information preregistered in association with posture information at the time of registration which is determined to match, by comparing the posture information at the time of use with a plurality of pieces of preregistered posture information at the time of registration of the user.

Abstract: The present invention provides a method and apparatus for presenting a bunch of items of media to a user of a Self-Service Terminal (SST). The method comprises individually removing at least one item of media from at least two respective media item containers in a predetermined sequence responsive to at least one common predetermined characteristic of each item of media, providing the removed items of media as a bunch of items of media, and presenting the bunch of items of media to a user.

Abstract: An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data corresponding to financial accounts from user cards. The card data is linked in at least one data store to data indicating that the card data corresponds to a financial account that is authorized to be used to conduct at least one transaction through use of the automated banking machine. The automated banking machine may be used to carry out financial transfers involving financial accounts by users who are determined to be authorized users of such accounts.

Abstract: Embodiments of the invention provide unauthorized-transaction protection with user location verification. It is determined whether out-of-network transaction costs and/or an out-of-area transaction costs are associated with an ATM transaction associated with an authorized user. It is also determined whether a geographic location associated with the ATM transaction is geographically proximate to a geographic location associated with a mobile device that is associated with the authorized user. If out-of-network transaction costs and/or an out-of-area transaction costs are associated with the ATM transaction, it is determined whether to reduce the out-of-network transaction costs and/or an out-of-area transaction costs associated with the ATM transaction based at least partially on whether the geographic location associated with the ATM transaction is geographically proximate to the geographic location associated with the mobile device.

Abstract: Methods, systems, and computer-readable media are provided for resilient document image production. During a document deposit transaction, such as a check deposit, a self-service device, such as an automated teller machine (ATM), may experience a fault. In some instances, an image of the document may have been scanned prior to experiencing the fault. The self-service device may retrieve one or more scanned images, for example, over a time window prior to the fault, such as 5 minutes, and allow access to the retrieved images. A processing entity may access the retrieved images, determine that one of the retrieved images is associated with the first document deposit transaction, and resolve a claim for the document deposit transaction.

Abstract: A person's smartphone serves as a security token—used variously to establish the user's authorization, and to test the bona fides of the counter-party system. In one illustrative ATM arrangement, a bank's computer system and the user's smartphone share secret information across a network. The smartphone employs this shared secret to generate a corresponding image, which is displayed on its screen. The displayed image is sensed by a camera in the ATM, which sends corresponding data back to the bank computer system. The bank computer system analyzes the received data and responds by sending information to the ATM authorizing a transaction. By such arrangement, authentication of the transaction involves one-way optical communication of visual information between the ATM and the smartphone, and two-way network communication of information between the ATM and the bank computer system. A great number of other features and arrangements are also detailed.

Abstract: The present invention provides a method and apparatus for assisting a user of a Self-Service Terminal (SST). The apparatus provides a user interface for an SST, comprising a media slot for dispensing and/or depositing a media item to a user, a pair of spaced apart edges extending across a substantial portion of the user interface and converging in the vicinity of a transaction activation region to provide a tactile path to assist the user in locating the transaction activation region, and an illuminated guide to provide a visual path to further assist the user in locating the transaction activation region.

Abstract: A system includes an ATM-related processor configured to detect a vehicle approach. The processor is also configured to wirelessly connect to a vehicle computing system (VCS). The processor is additionally configured to validate a vehicle as a present-vehicle. Also, the processor is configured to receive account and vehicle identifying information. The processor is also configured to validate an account as authorized for a transaction in conjunction with the vehicle. The processor is further configured to provide transaction services to the vehicle over the wireless connection, such that the user can interact with an ATM through use of an in-vehicle display.

Abstract: A card actuated automated banking machine (10) is operative to early out financial transactions responsive to data included on user cards. The banking machine includes a user interface (15) including a display (24). The user interface includes a card reader (16) which is operative to read data on user cards which identify at least one of user and a user's financial accounts. A fascia of the machine includes a keypad (404, 438, 458) through which users input confidential data. Covers (400, 422, 430) prevent unauthorized persons from viewing confidential inputs to the keypad. Authorization signals assure that the display is operating in a manner that provides appropriate user instructions. A visual indicator is operative to indicate to a user that keypad inputs are being encrypted. Alternatively a touch screen display module (608) is operative to securely receive manual inputs and/or card data.

Abstract: Cash demand for a cash dispensing device is forecasted for individual days, weeks and multi-day load periods. In one embodiment, an expected value of withdrawal for any particular period, as well as an upper limit on expected withdrawals for a given confidence level, are computed. The technique facilitates the creation of a daily and multi-day withdrawal forecast for a given ATM. The forecasts are also used to compute an optimum load amount for a given load period (the period between loading operations) for a given ATM, subject to given parameters (such as courier cost, interest rate, transit time, desired confidence level, cost of run-out, and the like) and given constraints (bundle size, maximum capacity, possible delivery days, and the like). The forecasts are also used to determine an optimal load period length and schedule.

Abstract: Disclosed is an intermodal money transportation system and method to send and receive money in real-time on a computer programmable electronic device with an ATM application interface over open loop financial networks during a single financial transaction acquiring session, utilizing an intermodal money transportation protocol data set that is compatible with financial network message protocols, and a virtual account management system that enables financial instrument holders to convert a plurality of financial instruments into virtual cash tokens in a manner that is independent of the modality of payment method used to process said financial instruments, where said financial instruments are readily convertible into cash or a cash equivalent on a transaction terminal and the transaction is irreversible by the originator of said transaction.

Abstract: A value distribution method includes enrolling a payee into a source program through which the payee receives funds from a payer. The source program includes a stored value account into which the payer deposits the payee's funds. The stored value account has account information associated therewith. The method also includes receiving a porting trigger, and, in response to the porting trigger, establishing a target program for the payee. The target program includes a target account into which entities in addition to the payer may deposit funds. The method also includes porting at least a portion of the account information from the source program to the target program.

Abstract: An automated banking machine operates to cause financial transfers responsive to data read from data bearing records in the form of user cards. The machine includes a printer for printing paper records of transactions conducted at the machine. The printer receives paper from a shared paper path. The shared paper path can be supplied by a first paper supply and a second paper supply. A controller is operative to switch between the paper supplies in providing paper to the printer. Based on signals received from paper sensors in the machine, the controller can determine whether the first paper supply has reached a predetermined low level. In response to a low level determination, the controller acts to cause a paper drive to begin moving paper from the second paper supply to the shared paper path and then to the printer.

Abstract: An automated banking machine can operate to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that can read a user identifier from a magnetic stripe of the user's card. Financial transfers are carried out responsive to machine communication with a transaction host computer. The machine also sends the read user identifier to a remote marketing computer. The marketing computer uses the user identifier to determine the next marketing presentation in a marketing campaign that is to be presented to the user. Responsive to a message received from the marketing computer, the machine operates to display the determined next marketing presentation to the user. The marketing campaign includes a sequence of presentations to be output in a predetermined order to the user.

Abstract: A digital image of the object is captured and the object is recognized from plurality of objects in a database. An information address corresponding to the object is then used to access information and initiate communication pertinent to the object.

Abstract: A banking system is controlled responsive to data included on data bearing records. The system includes a deposit accepting machine for accepting deposit items, such as deposit bags, currency, and checks. The deposit accepting machine includes a card reader operable to read financial account data from cards of depositors. The machine includes a RFID reader that wirelessly reads data from RFID tags on deposited items, including account number and deposit amount data. A computer credits the account for the read deposit amount. The machine, which can also dispense cash, further includes an NFC reader that can wirelessly receive cash loading data from an NFC component on a cash handler's cash transport bag. The cash loading data can include an amount of cash loaded into the machine. The machine can wirelessly transmit to the bag, dispense data that includes the amount of cash dispensed since the last cash loading.

Abstract: A computer implemented method for validating the identity of a controller for an automated banking machine based on displayed indicia. The method includes detecting access to a secure compartment of an automated banking machine, displaying a security indicia visible from the secure compartment, receiving the security indicia at an input device and a first controller accessible from outside of the secure compartment, and validating the identity of the controller based on the received security indicia.

Abstract: A card actuated automated banking machine (152, 198, 200) includes a plurality of transaction function devices. The transaction function devices include a card reader (170), a printer (174), a bill dispenser (176), a display (182), a check imaging device (186), and at least one processor (190). The machine is operative, responsive to receiving a check and certification data, to dispense cash in exchange for the check. The person presenting the check to the machine need not provide user identifying inputs through input devices of the machine in order to receive cash for the check. Furthermore, prior to accepting the check as a payment, the person can communicate with at least one computer (204) through at least one consumer interface device (208) to verify that the check is payable for the check amount.

Abstract: An automated banking a machine such as a teller cash recycler uses a system and method for receiving operating instructions from a remote system in the form of JavaScript object notation (JSON) documents. The system and method uses a computer implemented method for transmitting information between automated banking machines over a communication network. The method includes receiving a message for network communication from a first automated banking machine to a second automated banking machine, formatting the message in a tagless data interchange format independent of the size of the message based on instructions stored on a computer readable medium within the first automated banking machine, and transmitting the formatted message to the second automated banking machine.

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 with an automated banking machine responsive to account indicia read by the card reader from the card. The banking operations include dispensing cash and accessing financial accounts. A user is also able to perform at least one banking operation with an automated banking machine responsive to financial account data received by the system from a mobile phone.

Abstract: An automated banking machine can cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that can read from user cards, card data that corresponds to financial accounts. The machine can operate responsive to the read card data to carry out transactions that transfer and/or allocate funds between accounts. The machine can provide users a transaction receipt. The machine includes a cash dispenser that can dispense cash to machine users. Value of dispensed cash can be assessed to an account which corresponds to the read card data. The machine also includes an accepting device that can receive currency bills and/or checks from users. An account that corresponds to the read card data can be credited for the value of received bills and/or checks.

Abstract: A system, method, and computer-readable storage medium configured to store a premium list of accounts of ATM cardholders, wherein the list includes primary account numbers (PANs) associated with the accounts of the ATM cardholders, and to allow the ATM transaction to proceed unblocked if the PAN of the transaction appears on the premium list even if the transaction would otherwise be blocked by the controller based on one or more fraud prevention rules.

Abstract: A system, method, and computer-readable storage medium configured to pre-emptively reject an Automated Teller Machine transaction without consulting an issuer.

Abstract: A method for account parallel processing used by an account processing center to process a request for account operation is disclosed. The method comprises: (1) categorizing accounts as high parallel occurrence accounts and common accounts; (2) when receiving the request from the client for processing operation of an account, firstly determining whether the account is a high parallel occurrence account; and if the account is a high parallel occurrence account, continuing to a step (3), otherwise, conducting a step (4); (3) if the account is locked, queuing a current operation to wait until implementation of the current operation; and (4) further determining, by the account processing center, whether the account is locked and outputting an error message when the account is locked, otherwise implementing the current operation. Such method provides more high quality services to the high parallel occurrence accounts.

Abstract: A method and device of performing a person-to-person payment from a wireless personal communications device of an originator to a wireless communications device of a recipient is provided. The method include transferring a respective blind payment identifier, which is associated with a payment having a monetary value, from a wireless personal communications device of the originator to a wireless personal communications device of the recipient by using a direct device-to-device communications protocol. The personal communications device includes means arranged to communicate wirelessly with a remote payment system to set up a payment therewith including by obtaining and storing a blind payment identifier; and means arranged to communicate directly with a proximal, second personal communications device and impart the blind payment identifier thereto.

Abstract: In some embodiments, a method for processing a safe transaction includes receiving at a safe a first deposit of currency from a first user. Identification information is received from the first user. The identification information identifies the first user, an amount of the first deposit, and an account of the first user with a first financial institution. Transaction information is transmitted to the first financial institution. The transaction information provides information to the first financial institution of the first deposit to facilitate the first financial institution crediting the account of the first user.