Automatic teller machine with pre-registration

Patent metadata

Field	Value
Publication number	US-11600151-B2
Application number	US-202117471297-A
Country	US
Kind code	B2
Filing date	Sep 10, 2021
Priority date	May 27, 2020
Publication date	Mar 7, 2023
Grant date	Mar 7, 2023

Abstract

An ATM pre-registration tool allows a user to request an amount of cash from an ATM before traveling to that ATM. The pre-registration tool receivers a user's request and determines whether a specified ATM contains the requested cash. If the ATM does not contain the requested cash, the pre-registration tool informs the user that the ATM does not contain sufficient funds to fulfill the user's request. If the ATM contains the requested cash, the pre-registration tool instructs the ATM to reserve that cash for the user.

First claim

What is claimed is:

1. An apparatus comprising:
a memory; and
a hardware processor communicatively coupled to the memory, the hardware processor configured to:
receive a first request from a user to reserve a first amount of cash at an automatic teller machine, the first request identifying the automatic teller machine;
in response to receiving the first request, determine that the automatic teller machine contains at least the first amount of cash;
in response to determining that the automatic teller machine contains at least the first amount of cash, communicate an instruction to the automatic teller machine to reserve the first amount of cash for the user and to dispense the first amount of cash to the user when an identifier is presented to the automatic teller machine;
communicate the identifier to the user;
receive a second request to reserve a second amount of cash at the automatic teller machine, wherein the second request indicates a first denomination for the second amount of cash;
determine that the automatic teller machine does not contain at least the second amount of cash in the first denomination; and
solicit input from a sender of the second request indicating whether the automatic teller machine is permitted to fulfill the second request with a second denomination of the second amount of cash that is different from the first denomination, wherein the second denomination of the second amount of cash is available at the automatic teller machine.

2. The apparatus of claim 1 , wherein:
the first request indicates a denomination for the first amount of cash;
the hardware processor is further configured to determine that the automatic teller machine contains at least the first amount of cash in the denomination;
the instruction is communicated further in response to the determination that the automatic teller machine contains at least the first amount of cash in the denomination; and
the instruction further instructs the automatic teller machine to reserve the first amount of cash for the user in the denomination.

3. The apparatus of claim 1 , wherein the hardware processor is further configured to:
receive a second request from the user to reserve a second amount of cash at the automatic teller machine;
in response to receiving the second request, determine that the automatic teller machine does not contain at least the second amount of cash; and
in response to determining that the automatic teller machine does not contain at least the second amount of cash, communicate a message to the user recommending another automatic teller machine that has been identified as capable of fulfilling the second request.

4. The apparatus of claim 1 , wherein the identifier is presented to the automatic teller machine through radio frequency identification.

5. The apparatus of claim 1 , wherein, before the user presents the identifier to the automatic teller machine, the automatic teller machine is configured to deny a separate request that would cause the automatic teller machine to contain less than the first amount of cash.

6. The apparatus of claim 1 , wherein the automatic teller machine is configured to dispense to the user the reserved amount of cash after the user presents the identifier to the automatic teller machine.

7. A method comprising:
receiving, by a hardware processor communicatively coupled to a memory, a request from a user to reserve a first amount of cash at an automatic teller machine, the first request identifying the automatic teller machine;
in response to receiving the request, determining, by the hardware processor, that the automatic teller machine contains at least the first amount of cash;
in response to determining that the automatic teller machine contains at least the first amount of cash, communicating, by the hardware processor, an instruction to the automatic teller machine to reserve the first amount of cash for the user and to dispense the first amount of cash to the user when an identifier is presented to the automatic teller machine;
communicating, by the hardware processor, the identifier to the user;
receiving a second request to reserve a second amount of cash at the automatic teller machine, wherein the second request indicates a first denomination for the second amount of cash;
determining that the automatic teller machine does not contain at least the second amount of cash in the first denomination; and
soliciting input from a sender of the second request indicating whether the automatic teller machine is permitted to fulfill the second request with a second denomination of the second amount of cash that is different from the first denomination, wherein the second denomination of the second amount of cash is available at the automatic teller machine.

8. The method of claim 7 , further comprising determining, by the hardware processor, that the automatic teller machine contains at least the first amount of cash in a denomination, the first request indicates the denomination for the first amount of cash, the instruction is communicated further in response to the determination that the automatic teller machine contains at least the first amount of cash in the denomination, the instruction further instructs the automatic teller machine to reserve the first amount of cash for the user in the denomination.

9. The method of claim 7 , further comprising:
receiving, by the hardware processor, a second request from the user to reserve a second amount of cash at the automatic teller machine;
in response to receiving the second request, determining, by the hardware processor, that the automatic teller machine does not contain at least the second amount of cash; and
in response to determining that the automatic teller machine does not contain at least the second amount of cash, communicating, by the hardware processor, a message to the user recommending another automatic teller machine that has been identified as capable of fulfilling the second request.

10. The method of claim 7 , wherein the identifier is presented to the automatic teller machine through radio frequency identification.

11. The method of claim 7 , wherein, before the user presents the identifier to the automatic teller machine, the automatic teller machine is configured to deny a separate request that would cause the automatic teller machine to contain less than the first amount of cash.

12. The method of claim 7 , wherein the automatic teller machine is configured to dispense to the user the reserved amount of cash after the user presents the identifier to the automatic teller machine.

13. A system comprising:
an automatic teller machine; and
a pre-registration tool comprising a hardware processor communicatively coupled to a memory, the hardware processor configured to:
receive a first request from a user to reserve a first amount of cash at the automatic teller machine, the first request identifying the automatic teller machine;
in response to receiving the first request, determine that the automatic teller machine contains at least the first amount of cash;
in response to determining that the automatic teller machine contains at least the first amount of cash, communicate an instruction to the automatic teller machine to reserve the first amount of cash for the user and to dispense the first amount of cash to the user when an identifier is presented to the automatic teller machine;
communicate the identifier to the user;
receive a second request to reserve a second amount of cash at the automatic teller machine, wherein the second request indicates a first denomination for the second amount of cash;
determine that the

Assignees

• Bank Of America

Inventors

• Dryer Eric

Classifications

• G07F19/208

  Use of an ATM as a switch or hub · CPC title

• G07F19/209

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

• G07F19/203 Primary

  Dispensing operations within ATMs (dispensing in general G07D11/00) · CPC title