Aggregation of automated teller machine (ATM) device-related information and/or factor-based selection of an ATM device

Patent metadata

Field	Value
Publication number	US-10515348-B2
Application number	US-201715811323-A
Country	US
Kind code	B2
Filing date	Nov 13, 2017
Priority date	Nov 13, 2017
Publication date	Dec 24, 2019
Grant date	Dec 24, 2019

Abstract

A device may receive, from automated teller machine (ATM) devices, information related to a capability of each of the ATM devices to provide cash, or a fee to be charged by each of the ATM devices in association with providing the cash. The device may receive, from a user device, a request to identify an ATM device of the ATM devices. The device may determine scores for the ATM devices based on the information related to the capability of the one of the ATM devices or the fee to be charged by the one of the ATM devices. The device may determine a rank for the ATM devices based on the scores for the ATM devices. The device may provide, to the user device and based on the rank, information identifying the ATM device or one or more other ATM devices of the ATM devices.

First claim

What is claimed is:

1. A device, comprising:
one or more memories; and
one or more processors, communicatively coupled to the one or more memories, configured to:
receive, from a plurality of automated teller machine (ATM) devices, information related to:
a quantity of requests for services, during a time period, for each of the plurality of ATM devices;
a compatibility of each of the plurality of ATM devices with a type of transaction card; and
a fee to be charged by each of the plurality of ATM devices in association with providing cash;

receive, from a first user device, a request to identify an ATM device, of the plurality of ATM devices, from which an individual can receive the cash,
the request being received in association with another request, associated with the first user device, for a cash delivery to a location of the first user device, and
the other request for the cash delivery requesting a second user, different than a first user associated with the first user device, deliver cash from the ATM device and to the location of the first user device;

determine, after receiving the request, scores for the plurality of ATM devices, a score for one of the plurality of ATM devices being based on:
the quantity of requests for services, during the time period, for the one of the plurality of ATM devices;
the compatibility of the one of the plurality of ATM devices with the type of transaction card; and
the fee to be charged by the one of the plurality of ATM devices;

determine a rank for the plurality of ATM devices based on the scores for the plurality of ATM devices;
provide, to a second user device associated with the second user who is to deliver the cash and based on the rank, information identifying the ATM device and/or one or more other ATM devices of the plurality of ATM devices;
cause a navigational application to automatically open on the second user device; and
populate the navigational application with information identifying a location of the ATM device and/or the one or more other ATM devices of the plurality of ATM devices to cause the navigational application to provide directions to the ATM device and/or the one or more other ATM devices of the plurality of ATM devices.

2. The device of claim 1 , where the one or more processors are further configured to:
provide, to the first user device, a notification that identifies:
the fee; and

where the one or more processors, when receiving the request, are configured to:
receive the request after providing the notification to the first user device.

3. The device of claim 1 , where the one or more processors are further configured to:
receive, from the second user device, a selection of the ATM device or another ATM device of the one or more other ATM devices, as a selected ATM device, after providing the information identifying the ATM device and/or the one or more other ATM devices; and
where the one or more processors, when populating the navigational application, are to:
populate the navigational application with information identifying the selected ATM device after receiving the selection from the second user device.

4. The device of claim 1 , where the one or more processors are further configured to:
identify the plurality of ATM devices based on one or more factors; and
where the one or more processors, when determining the scores, are configured to:
determine the scores for the plurality of ATM devices after identifying the plurality of ATM devices.

5. The device of claim 1 , where the one or more processors are further configured to:
detect that proximity of the first user device and each of the plurality of ATM devices satisfies a threshold;
provide a notification to the first user device based on the proximity satisfying the threshold,
the notification identifying that the proximity of the first user device and each of the plurality of ATM devices satisfies the threshold; and

where the one or more processors, when receiving the request, are configured to:
receive the request after providing the notification.

6. The device of claim 1 , where each of the scores indicates a likelihood of a match between a respective one of the plurality of ATM devices and a preference of the first user.

7. The device of claim 1 , where the one or more processors, when determining the score for the one of the plurality of ATM devices, are to:
determine an average score for the one of the plurality of ATM devices.

8. The device of claim 1 , where the one or more processors, when determining the score for the one of the plurality of ATM devices, are to:
determine a weighted score for the one of the plurality of ATM devices.

9. A non-transitory computer-readable medium storing instructions, the instructions comprising:
one or more instructions that, when executed by one or more processors, cause the one or more processors to:
receive, from a plurality of automated teller machine (ATM) devices, information related to:
a quantity of requests for services, during a time period, for each of the plurality of ATM devices,
a compatibility of each of the plurality of ATM devices with a type of transaction card, and
a fee to be charged by each of the plurality of ATM devices in association with providing cash;

receive, from a first user device, a request to identify an ATM device of the plurality of ATM devices,
the request being received in association with another request, associated with the first user device, for a cash delivery to a location of the first user device, and
the other request for the cash delivery requesting a second user, different than a first user associated with the first user device, deliver cash from the ATM device to the location of the first user device;

determine, after receiving the request, scores for the plurality of ATM devices, a score for one of the plurality of ATM devices being based on:
the quantity of requests for services, during the time period, for the one of the plurality of ATM devices,
the compatibility of the one of the plurality of ATM devices with the type of transaction card, and
the fee to be charged by the one of the plurality of ATM devices;

determine a rank for the plurality of ATM devices based on the scores for the plurality of ATM devices; provide, to a second user device associated with the second user who is to deliver the cash and based on the rank, information identifying the ATM device and/or one or more other ATM devices of the plurality of ATM devices;
cause a navigational application to automatically open on the second user device; and
populate the navigational application with information identifying a location of the ATM device and/or the one or more other ATM devices of the plurality of ATM devices to cause the navigational application to provide directions to the ATM device and/or the one or more other ATM devices of the plurality of ATM devices.

10. The non-transitory computer-readable medium of claim 9 , where the one or more instructions, that cause the one or more processors to provide the information identifying the ATM device and/or the one or more other ATM devices, cause the one or more processors to:
provide the information identifying the ATM device and/or the one or more other ATM devices in association with the cash delivery.

11. The non-transitory computer-readable medium of claim 9 , where the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
receive, from the second user device associated with the second user who is to deliver the cash, a selection of a particular ATM device from among the ATM device and/or one or more ot

Assignees

• Capital One Services Llc

Inventors

• Phillips Jeremy
• Liu Zhe
• Tran Kurry

Classifications

• G07F19/211

  Software architecture within ATMs or in relation to the ATM network · CPC title

• G07F19/209 Primary

  Monitoring, auditing or diagnose of functioning of ATMs · CPC title

• G06Q20/1085 Primary

  involving automatic teller machines [ATMs] · CPC title

• G06Q20/3223

  Realising banking transactions through M-devices · CPC title

• G06F16/24578

  using ranking · CPC title