Dual validator self-service kiosk

Patent metadata

Field	Value
Publication number	US-9626666-B2
Application number	US-201614987661-A
Country	US
Kind code	B2
Filing date	Jan 4, 2016
Priority date	May 9, 2013
Publication date	Apr 18, 2017
Grant date	Apr 18, 2017

Abstract

Apparatus and methods are provided for a dual validator self-service kiosk (“SSK”). The SSK may include a first validator. The first validator may examine a deposit inserted into the SSK. The SSK may include a second validator. The second validator may examine a tangible item before the SSK dispenses the tangible item. The SSK may retract the tangible item if the tangible item in not collected by a customer. The second validator may examine the tangible item after being retracted by the SSK. The first validator may apply a first examination routine to the deposit. The second validator may apply a second examination routine before the SSK dispenses the tangible item. The second validator may apply a third examination routine to a tangible item retracted by the SSK.

First claim

What is claimed is:

1. An automated teller machine (“ATM”), the ATM comprising:
a storage cassette configured to store a first tangible item;
a first validator configured to:
receive the first tangible item from the storage cassette; and
apply an examination routine to the first tangible item, the examination routine comprising:
identifying the first tangible item as currency;
validating an authenticity of the first tangible item; and
determining a denomination of the first tangible item;

a dispenser configured to receive the first tangible item from the first validator and present the first tangible item to a customer;
an acceptor configured to receive a second tangible item from the customer;
a second validator coupled to the acceptor, the second validator configured to examine the second tangible item received from the customer via the acceptor;

a computer system comprising:
a non-transitory computer readable medium having computer readable program code embodied therein; and
a processor configured to execute the computer readable program code;

wherein the computer readable program code in said computer system when executed by the processor causes the computer system to control:
a first transfer of the first tangible item from the storage cassette to the first validator; and
a second transfer of the first tangible item from the first validator to the dispenser; and

wherein, if the first validator identifies the tangible item as a non-currency item, the computer readable program code in said computer system when executed by the processor causes the computer system to;
control:
a third transfer of the non-currency item from the first validator to a purge-bin; and
a fourth transfer of a replacement for the non-currency item from the storage cassette to the first validator; and

log:
a date and time of the identifying; and
a denomination of the replacement.

2. The ATM of claim 1 wherein:
the dispenser is configured to retract the first tangible item after a time-out period; and
the first validator is configured to determine a denomination of the currency after the time-out period.

3. The ATM of claim 1 wherein, when the first tangible item is one of a plurality of tangible items:
the first validator is configured to
apply a first examination routine to each of the plurality of tangible items;

the dispenser is configured to:
present each of the plurality of tangible items to the customer; and
retract at least a portion of the plurality of tangible items;

the first validator is configured to receive the portion of the plurality of tangible items and apply a second examination routine to the portion of the plurality of tangible items; and
the computer readable program code in said computer system when executed by the processor causes the computer system to:
calculate a first value (“FV”) corresponding to the plurality of tangible items;
determine a second value (“SV”) corresponding to the portion of the plurality of tangible items;
calculate a difference equal to (FV)−(SV); and
debit an account of the customer an amount equal to the difference.

4. The ATM of claim 3 , wherein the second examination routine comprises:
counting each tangible item in the portion of the plurality of tangible items; and
determining a denomination of each tangible item in the portion of tangible items.

5. The ATM of claim 1 , wherein the computer readable program code in said computer system when executed by the processor causes the computer system to submit a mis-loaded cassette claim to an entity responsible for loading the cash cassette.

6. The ATM of claim 1 wherein, if the denomination is not associated with the storage cassette, the computer readable program code in said computer system when executed by the processor causes the computer system to control the third transfer of the tangible item to the purge-bin.

7. The ATM of claim 6 wherein, the computer readable program code in said computer system when executed by the processor causes the computer system to submit a mis-loaded cassette claim to an entity responsible for loading the cash cassette.

8. An automated teller machine (“ATM”) comprising a first validator, a second validator and a purge-bin, the ATM configured to:
receive a deposit;
transfer the deposit to the first validator;
receive a request for a withdrawal of cash from a dispenser of the ATM;
in response to the request:
extract the cash from a cash cassette;
transfer the cash to the second validator; and
dispense the cash to the customer;

retract, after a time-out period; at least a portion of the cash not collected by the customer; and
transfer the retracted cash to the purge-bin;

wherein:
the first validator is configured to examine the deposit; and
the second validator is configured to examine the cash prior to dispensing the cash to a customer and the portion of the cash not collected by the customer.

9. The ATM of claim 8 , the ATM further configured to debit an account of the customer an amount corresponding to a difference between:
a first value of the cash extracted from the cash cassette; and
a second value of the portion of the cash not collected by the customer.

10. The ATM of claim 9 , the ATM further configured to, in response to a detection of the difference;
generate a fraud record the fraud record comprising:
a date and time of the request;
an action performed by the ATM in response to the request;
the first value;
the second value; and
the difference between the first value and the second value; and

transmit the fraud record.

11. The ATM of claim 8 , wherein, when the cash is a first batch of cash, the ATM is configured to:
transfer the first hatch of cash to the second validator; and
if the second validator identifies a non-currency item included in the first batch of cash:
extract a second batch of cash from the cash cassette; and
transfer the second batch of cash to the second validator.

12. The ATM of claim 8 further configured to, after a retracting of the portion of the cash, transfer the portion of the cash to the second validator.

13. An automated teller machine (“ATM”), the ATM comprising:
a storage cassette configured to store a first tangible item;
a first validator configured to;
receive the first tangible item from the storage cassette; and
apply an examination routine to the first tangible item, the examination routine comprising:
identifying the first tangible item as currency;
validating an authenticity of the first tangible item; and
determining a denomination of the first tangible item;

a dispenser configured to receive the first tangible item from the first validator and present the first tangible item to a customer;
an acceptor configured to receive a second tangible item from the customer;
a second validator coupled to the acceptor, the second validator configured to examine the second tangible item received from the customer; and

a computer system comprising:
a non-transitory computer readable medium having computer readable program code embodied therein; and
a processor configured to execute the computer readable program code;

wherein the computer readable program code in said computer system when executed by the processor causes the computer system to control:
a first transfer of the first tangible item from the storage cassette to the first validator;
a second transfer of the first tangible item from the first validator to the dispenser; and
a third transfer of the second tangible item from the second validator to a depository; and

wh

Assignees

• Bank Of America

Inventors

• Crist Kristy M
• Carswell Jr Terrelle
• Mcconnell Eric
• Puri Rahul
• Rhodes Devin D
• Goodwin James D

Classifications

• G07D11/60

  User-interface arrangements · CPC title

• G07F19/207

  Surveillance aspects at ATMs · CPC title

• G07F19/202

  Depositing operations within ATMs (depositing in general G07D11/00) · CPC title

• G07F7/04

  by paper currency · CPC title

• G07D11/36

  Auditing of activities · CPC title