G07F19/00

Systems and methods for completing transactions via lockable boxes

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.

Security gate
11702865 · 2023-07-18 · ·

Apparatus to secure an Automated Teller Machine (ATM) or other structure are disclosed herein. One apparatus includes an arm including an attachment and a lockpin that engages the attachment in an engaged position. The lockpin is configured to prevent the arm from disengaging from the engaged position when a force is applied to the arm. Another apparatus includes an arm including an attachment that prevents rotation of the arm, a lockpin that engages the attachment in an engaged position, and a lock connected to the lockpin to prevent releasing the lockpin from the engaged position. An ATM includes a frame, a gate, and an abutment. The gate includes an arm including an attachment that locks the arm. The abutment includes a lockpin that engages the attachment in an engaged position to prevent the arm from unlocking and a lock connected to the abutment to prevent access to the lockpin.

System and method for remote access
11556905 · 2023-01-17 · ·

A technique for remote access via a computing device is discussed. In one embodiment, a computing device receives data indicative of a card number associated with a bank-issued debit card. The debit card is associated with a bank account at a bank that issued the bank-issued debit card. The computing device also receives data indicative of an amount of cash to be deposited into the account based on an amount of cash provided at the computing device location. Encrypted data indicative of the card number and the data indicative of the amount of cash is routed to a gateway vendor server and is further routed to a payment network server for deposit of an amount corresponding to the data indicative of the amount of cash into the bank account associated with the card number.

COMPUTER-BASED SYSTEM FOR PROVISIONING NEW ACCOUNTS USING LOCATION-BASED AUTHENTICATION

A method comprises receiving, by a computing device from a customer device, a request to provision a financial account for the customer, associating, by the computing device, a mobile device with the requested financial account, and sending, by the computing device to the mobile device, authentication information for the requested financial account. The method further includes receiving the authentication information by the computing device from a financial terminal that received the authentication information from the mobile device, receiving, by the computing device, first location information of the mobile device, and provisioning, by the computing device and based on the first location information of the mobile device being within a predetermined distance of a location of the financial terminal, the requested financial account for the customer.

MEDIA SANITIZING CASSETTE AND METHOD OF OPERATION

A valuable media sanitizing/cleansing cassette is provided for sanitizing/cleansing surfaces of valuable media dispensed to a consumer during a dispense transaction at a transaction terminal. Dispensed media is urged from one or more media cassettes within the terminal along a transport path. The transport path is altered to pass the media through the sanitizing/cleansing cassette where the top and bottom surfaces of the media are illuminated with Ultraviolet (UV) radiation to eradicate any bacteria or virus that may be adhered to the top or the bottom surfaces of the media. Once the media passes through the sanitizing/cleansing cassette, the now sanitized/cleansed media is urged along a remainder of the transport path and dispensed from a media interface of the terminal to the consumer. In an embodiment, media deposited at the terminal is also sanitized/cleansed by passing through the sanitizing/cleansing cassette before being stored in the appropriate media cassettes.

MONEY HANDLING SYSTEM AND MONEY HANDLING METHOD
20230222474 · 2023-07-13 · ·

In order to appropriately replenish a money handling apparatus with money, a money handling system includes a first money handling apparatus to perform a plurality of kinds of dispensing transactions in which different fitness-types of fit money are dispensed; a management server including processing circuitry configured to determine, when the first money handling apparatus needs to be replenished with money, a breakdown of the money for replenishment, based on information on the dispensing transactions performed by the first money handling apparatus, wherein the breakdown indicates a quantity of each fitness-type of fit money to be included in the money for replenishment; and a second money handling apparatus to dispense the money for replenishment based on the breakdown of the money determined by the processing circuitry. The first money handling apparatus is replenished with the money for replenishment dispensed from the second money handling apparatus.

Real-time interactive wagering on event outcomes
11699325 · 2023-07-11 · ·

Systems and methods for real-time interactive wagering on event outcomes are presented. Clients are first qualified and given wagering limits before being allowed to interactively wager on event outcomes. Event outcomes may be based on, for example, financial markets and indices, sporting and entertainment events, casino games, casino performances, and natural phenomena such as weather and earthquakes. Events on which wagers can be placed include both those with known and unknown outcome probabilities, and wagers can be a fixed-odds type or a spread-bet type. Wager transactions, including acceptances and confirmations, are executed in real time. Clients can customize displays of events on which they are authorized to wager. Real-time client credit management, automatic dealer hedging, automatic price-spread adjustments, and automatic client and dealer defined wagering limits are also provided.

System and method for dynamically presenting live remote dealer games
11699322 · 2023-07-11 · ·

A networked computer system for displaying a game screen including a video stream of a live dealer to a remote computing device is described herein. The networked computer system includes a server computer coupled to a plurality of remote computing devices and including a processor programmed to execute an algorithm including the steps of receiving a video stream of a live dealer adjacent a physical gaming table, displaying a first game screen on a first remote computing device including the video stream of the live dealer and the physical gaming table and images of a first plurality of sidebets overlaid onto the physical gaming table, and displaying a second game screen on a second remote computing device including the video stream of the live dealer and the physical gaming table and images of a second plurality of sidebets overlaid onto the physical gaming table.

System for incentivizing transition from physical card to mobile pay

A method may include receiving, via a processor, a request for payment of a payment amount from a first computing system. The method may also involve receiving a location of the first computing system, identifying one or more automatic teller machines (ATMs) based on the location of the first computing system, generating an image configured to cause the one or more ATMs to dispense funds that correspond to the payment amount, and sending the image to the first computing system.

Apparatus, system, and method for bulk currency note deposits
11699332 · 2023-07-11 · ·

A Self-Service Terminal (SST) that provides valuable media deposit features is enhanced with an apparatus fastened to an outside surface of the SST. The apparatus is adapted to receive an externally provided valuable media cassette and connect/interface a port of the cassette to an unload infeed port. A transaction interface is enhanced to identify the cassette as a source device for obtaining valuable media during a deposit transaction. The SST feeds the valuable media from the externally connected cassette through media validation and transport modules of the SST into cassettes of a safe and the SST returns rejected media for the deposit transaction back through the modules to return rejected media to the externally interfaced cassette.