Systems and methods for transferring resource access from a sender to a recipient are disclosed that can allow a sender to specify an amount of a resource to provide access to (e.g., an amount of money or an amount of access rights), while still providing security for the sender's sensitive credential information (e.g., PAN and/or PIN). These systems and methods can allow a sender to transfer resource access from any location and at any time of the day. In the case of money transfers, the recipient can quickly and directly obtain the money from any ATM location associated with any bank and at any time of the day, even without a bank account.

A method performed by a processor of a provider computing system includes allowing an account holder at the provider to initiate a transaction with the provider remotely (e.g., via smartphone, online banking, etc.), by submitting a request for a specified transaction to be picked up in a lockbox at a provider's lockbox location. The pickup and completion of the account holder's requested transaction occurs at a lockbox location that has a plurality of lockboxes. The lockbox allows the account holder to access the facility at the account holder's leisure, both in time and location. The lockbox pickup service alleviates the uncertainty, fluctuating time cost, and inconvenient operating hours by allowing the account holder to request transactions with an easy to use interface resulting in a lockbox to be accordingly prepped so that the account holder can provide the proper authentication information and access the lockbox.

A method performed by a processor of a provider computing system includes allowing an account holder at the provider to initiate a transaction with the provider remotely (e.g., via smartphone, online banking, etc.), by submitting a request for a specified transaction to be picked up in a lockbox at a provider's lockbox location. The pickup and completion of the account holder's requested transaction occurs at a lockbox location that has a plurality of lockboxes. The lockbox allows the account holder to access the facility at the account holder's leisure, both in time and location. The lockbox pickup service alleviates the uncertainty, fluctuating time cost, and inconvenient operating hours by allowing the account holder to request transactions with an easy to use interface resulting in a lockbox to be accordingly prepped so that the account holder can provide the proper authentication information and access the lockbox.

A card reader includes a card conveyance path comprising upper and a lower conveyance paths to convey a card inserted into a device; and a reading unit that reads information on the card. Lower concave and convex portions are provided on an upper surface of the lower conveyance path behind the reading unit. Upper concave and convex portions are provided on a lower surface of the upper conveyance path to be fitted to the lower concave and convex portion. A pressing unit provides a fitted state of the lower and upper concave and convex portions when no object is present. A detection sensor detects a state where an interval between the lower and upper concave and convex portions is widened. The detection sensor detects the state where the interval is widened, to recognize that an object is inserted between the lower and upper concave and convex portions.

A dispenser shutter assembly of an automated teller machine and a method for preventing damage to the dispenser shutter assembly. The dispenser shutter assembly includes: a shutter; a shutter plate; cam followers attached to the shutter plate; a cam coupled to the cam followers; a motor that rotates the cam in a first rotational direction in a plane of rotation of the cam for inducing the cam to act on the cam followers to cause movement of the shutter plate to transition the shutter to a closed state of the shutter; and a cam rotation restrictor positioned so as to prevent rotation of the cam beyond an over center position on the cam's rotational axis by forcing the cam to rotate in a second rotational direction that is opposite the first rotational direction in response to a manual opening of the shutter from the closed state of the shutter.

An automated teller machine (ATM) including multiple user screens is provided. The ATM preferably includes an ATM processor, an ATM user information input device and/or an ATM receiver, a customer-facing ATM touch screen configured to display an initial ATM display, an ATM dispenser configured to dispense a cash withdrawal amount in the event that an ATM central processing unit (CPU) receives information relating to a selection of the cash withdrawal amount. The ATM may further include a second, customer-facing, touch screen configured to selectably display an automated teller assist (ATA) display configured to provide a video display of a live teller located at a remote location.

A system for performing authorization of a user in an augmented reality environment comprises an augmented reality user device, an automatic teller machine, and an authentication server. The automatic teller machine has a keypad with unmarked buttons. The augmented reality user device includes a display configured to overlay virtual objects onto a field of view of a user. The augmented reality user device receives a virtual keypad overlay, which assigns values to the unmarked buttons of the keypad. Using the overlay, the augmented reality user device displays the assigned values on the buttons of the keypad. The automatic teller machine detects an input sequence entered on the keypad and sends the input sequence to the authentication server. The authentication server determines an authentication code by combining the input sequence with the virtual keypad overlay, and compares the determined authentication code with an authentication code stored in a database.

An improved financial terminal automatically reconfigures into different financial processing terminal types. In one embodiment, the terminal comprises a housing; a card reader configured to accept at least a portion of a card having an integrated circuit; at least one display; at least one processor; and at least one memory configured to store machine readable code, the machine readable code comprising a first kernel corresponding to a first transaction type and a second kernel corresponding to a second transaction type.

A money handling apparatus (for example, a banknote handling apparatus) includes a destination selector configured to select a storage unit where at least one of a counterfeit money and suspect money among the money transported by the transporting unit is to be transported, from the plurality of storage units (for example, each banknote storage unit, each storage/feeding unit, collecting unit, banknote ejecting unit, and the like) and a controller configured to control the transporting unit to transport at least one of the counterfeit money and suspect money to the storage unit selected by the destination selector among the plurality of storage units.

A money handling apparatus (for example, a banknote handling apparatus) includes a destination selector configured to select a storage unit where at least one of a counterfeit money and suspect money among the money transported by the transporting unit is to be transported, from the plurality of storage units (for example, each banknote storage unit, each storage/feeding unit, collecting unit, banknote ejecting unit, and the like) and a controller configured to control the transporting unit to transport at least one of the counterfeit money and suspect money to the storage unit selected by the destination selector among the plurality of storage units.