Automated teller machine (“ATM”) currency stamper

Patent metadata

Field	Value
Publication number	US-9934497-B2
Application number	US-201615002345-A
Country	US
Kind code	B2
Filing date	Jan 20, 2016
Priority date	May 9, 2013
Publication date	Apr 3, 2018
Grant date	Apr 3, 2018

Abstract

Apparatus and methods for an automated teller machine (“ATM”) currency stamper are provided. The currency stamper may be configured to mark currency retracted by the ATM. The mark may include one or more attributes of the currency. The mark may include transaction information associated with a dispensing and/or retraction of the currency. Marked currency may be stored in the ATM. Marked currency may be scanned. A scanning of marked currency may read the attributes of the currency and the transaction information included in the mark. The scanning of the marked currency may erase the mark. A value of the marked currency may be calculated. The value may be determined based on the currency attributes and transaction information included in the mark applied to the currency.

First claim

What is claimed is:

1. A system for marking currency dispensed by an automated teller machine (“ATM”), the system comprising:
an acceptor configured to draw one or more tangible items into the ATM;
an ultraviolet stamp applicator configured to apply an ultraviolet identifier to each of the tangible items drawn into the ATM;
a depositary configured to store the one or more tangible items;
a validator configured to examine an authenticity of the tangible items; and
an ultraviolet stamp reader that, in response to the validator detecting a counterfeit tangible item, is configured to read the ultraviolet identifier previously applied by the ultraviolet stamp applicator, and based on the read ultraviolet identifier, identify an ATM customer that deposited the counterfeit tangible item.

2. The system of claim 1 wherein the ultraviolet stamp applicator applies an ultraviolet identifier that is invisible to a human eye.

3. The system of claim 1 wherein the ultraviolet identifier comprises:
a denomination;
a transaction identifier associated with a request to deposit the one or more tangible items into the ATM; and
a time and date.

4. A system for marking currency dispensed by an automated teller machine (“ATM”), the system comprising an ATM keypad, an acceptor, a dispenser and an ultraviolet stamp applicator, the system configured to:
receive, via the ATM keypad, a first request for withdrawal of a first amount of currency;
extract bills corresponding to the first amount of currency from a cash cassette;
dispense the bills from the dispenser;
using the dispenser, retract at least a portion of the bills;
using the ultraviolet stamp applicator, apply a first ultraviolet stamp to at least the retracted portion of the bills;
receive, via the ATM keypad, a second request to deposit a second amount of currency;
draw one or more tangible items deposited into the ATM using the acceptor; and
using the ultraviolet stamp applicator, apply a second ultraviolet stamp to the tangible items deposited into the ATM.

5. The system of claim 4 further comprising a purge-bin, the system configured to store the retracted portion of the bills and the one or more deposited tangible items in a purge-bin.

6. The system of claim 4 further comprising a purge-bin and an ultraviolet stamp scanner, the system configured to:
extract an item stored in the purge-bin;
using the ultraviolet stamp scanner, read the first or the second ultraviolet stamp on the extracted item; and
based on the read, determine whether the item is a deposited item or a retracted item.

7. The system of claim 4 further comprising a depositary, a validator and an ultraviolet stamp scanner, the system configured to:
store the one or more deposited tangible items in the depositary;
examine the one or more tangible items stored in the depositary using the validator;
in response to detecting a non-depositable item among the deposited tangible items, using the ultraviolet stamp scanner to read the second ultraviolet stamp on the non-depositable item; and
based on the read, determine a value of the second amount of currency.

8. The system of claim 4 wherein, when the retracted portion of the bills comprises a plurality of retracted notes, the ultraviolet stamp applicator is configured to apply the first ultraviolet stamp to a first retracted note and a last retracted note.

9. The system of claim 4 wherein when the one more deposited tangible items comprise a plurality of tangible items, the ultraviolet stamp applicator is configured to apply the second ultraviolet stamp to each of the tangible items in the plurality.

10. The system of claim 7 further comprising a computer system, the computer system configured to:
identify a customer account associated with the second request; and
credit the value to the customer account.

11. The system of claim 4 , wherein the second ultraviolet stamp comprises:
a total value of the one or more deposited tangible items provided by the ATM customer using the ATM keypad; and
a transaction identifier associated with the second request.

12. The system of claim 4 further configured to apply the first ultraviolet stamp after the retracting.

13. The system of claim 4 further comprising an ultraviolet stamp scanner, the scanner configured to erase the first or the second ultraviolet stamp after reading the first or the second ultraviolet stamp.

14. A system for marking currency dispensed by an automated teller machine (“ATM”), the system comprising an ATM keypad, an acceptor, and an ultraviolet stamp applicator, the system configured to:
receive, via the ATM keypad, a request to deposit an amount of currency;
draw, via the acceptor, one or more deposited tangible items into the ATM; and
apply, via the ultraviolet stamp applicator, an ultraviolet stamp to the deposited tangible items drawn into the ATM;

wherein the ultraviolet stamp comprises:
an expected value of each deposited tangible item; and
a transaction identifier associated with the request.

15. The system of claim 14 further configured to:
use a validator to examine each of the deposited tangible items;
for each deposited tangible item, determine an authenticity of the deposited tangible item; and
for each counterfeit deposited tangible item, use an ultraviolet stamp reader to scan the ultraviolet stamp on each counterfeit deposited tangible item.

16. The system of claim 15 further comprising a computer system, wherein the computer system comprises 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:
for each counterfeit deposited tangible item detected by the validator, determines a portion of the amount corresponding to the counterfeit tangible item;
identifies a customer account corresponding to the transaction identifier; and
credits the customer account a difference between the amount and the portion of the amount corresponding to the counterfeit deposited tangible item.

17. The system of claim 14 further configured to use the ultraviolet stamp reader to erase the ultraviolet stamp from the one or more deposited tangible items.

18. The system of claim 14 wherein the ultraviolet stamp comprises a time and date stamp.

Assignees

• Bank Of America

Inventors

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

Classifications

• G06Q20/26

  Debit schemes, e.g. "pay now" · CPC title

• H04N1/32149

  Methods relating to embedding, encoding, decoding, detection or retrieval operations · CPC title

• G07D11/22

  Means for sensing or detection · CPC title

• G07D11/30

  Tracking or tracing valuable papers or cassettes · CPC title

• G06K19/025

  the material being flexible or adapted for folding, e.g. paper or paper-like materials used in luggage labels, identification tags, forms or identification documents carrying RFIDs (methods for testing the genuineness of valuable papers, e.g. banknotes or passports G07D7/00; constructional features of booklets and the like B42D) · CPC title