A computing system for secondary merchant card delivery is provided. The computing system may include a processor coupled to a memory to execute secondary merchant card delivery using a secondary merchant card delivery agent of a mobile unit and a merchant card system of an ATM machine in communication with a networked server node. The processor may be operable to receive a user request using the merchant card agent and to send the user request to a server having a merchant card module. In addition, the processor may be operable to initiate a first security protocol and to generate, in response to verified security approval, a merchant card profile. Further, the processor may be operable to send the merchant card profile to the ATM merchant card system, whereby the processor is operable to generate a signal for initiation of generation of the secondary merchant card and dispense the same to the user.

In some implementations, an automated teller machine (ATM) may accept a card. The ATM may eject the card at a first time. The ATM may retract the card based on a determination that a threshold amount of time has elapsed from the first time and that the card has not been removed. The ATM may eject the card at a second time after retracting the card. The ATM may retract the card based on a determination that the threshold amount of time has elapsed from the second time and that the card has not been removed. The ATM may provide the card to a card storage compartment of the ATM after retracting the card and based on a determination that the card has been ejected or retracted a threshold number of times.

A system remotely accesses an Automated Teller Machine (ATM) machine by detecting insertion of a customer bank card into the ATM. The insertion of the customer bank card is detected by the ATM. The system initiates a connection to a mobile device upon the detection of the insertion. The system then unlocks the ATM when the mobile device accepts the connection, and unlocks the ATM when a banking transaction has been completed, where the banking transaction completed by a remote user operating the mobile device. The system automatically disconnects the connection to the mobile device, and automatically unlocks the ATM after a predetermined time period has elapsed. The system automatically ejects the customer bank card from the ATM when the ATM is automatically unlocked.

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.

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 highly reliable automatic transaction apparatus and control method thereof which are capable of suppressing unauthorized transactions and the like are proposed. A plurality of modules which each execute processing required for the payout transaction, an overall control unit which controls each of the modules, and a security control unit are provided in an automatic transaction apparatus; the security control unit holds in advance a first list in which content of signals which are exchanged between the overall control unit and each of the modules at the time of a normal payout transaction is recorded in the order in which the signals are exchanged, sequentially records the content of the signals which are exchanged between the overall control unit and each of the modules at the time of the actual payout transaction in a second list in the order in which the signals are exchanged, and issues a signature approving operation of the modules when there is a match between the content of the first list and the content of the second list, and the modules execute a corresponding operation when the security control unit has issued the signature.

A computer vision card reader and/or point of sale device is described. The device is configured to sense when a user inserts a card into a card reader and to determine when a user departs or is about to depart from the device without retrieving the card. The device may issue an audible or visible alert to the user, reminding the user to retrieve the card. The device may additionally send a notification to a mobile device associated with the user that reminds the user that he has left a card at the point of sale. In some embodiments, message sent to the user contains a code and, upon entry of the code, the point of sale or card reader device returns the card to the user.

The present invention provides a system for operably adapting a tiered level of protection for an owner or authorized user of a document or privilege by incorporating a confirmation process that proactively prevents any secondary access to items of value.

The present disclosure includes a device for recycling a payment card, which can include a payment card receiver for receiving a payment card that has a substrate and an information-saving component, an image capture device configured to identify a location of the information-saving component on the substrate, a separating device configured to remove the information-saving component from the substrate, and a storage portion configured receive the substrate and the information-saving component.

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.