Patent application number | Description | Published |
20110231705 | ADAPTIVE DIAGNOSTICS FOR IMPLEMENTATION OF AN AUTOMATED TELLER MACHINE("ATM") THIN-CLIENT MODE - Thus, methods and apparatus for providing adaptive diagnostics for ATM fault conditions are provided. Such methods and apparatus may include one or more computer-readable media storing computer-executable instructions which, when executed by a processor on a computer system, perform a method for diagnosing an electronic self-service device fault condition. The method may include receiving an input from a self-service device. The input may include information regarding a fault-related event. The method may also include assessing a plurality of system-level ramifications of the fault-related event. In response to the assessing, the method may further include determining continued viability of a plurality of ATM services. The method may also include electronically providing a notification of a list of remaining viable self-service device services. | 09-22-2011 |
20120197796 | CASH DISPENSING AT ATM - Methods and apparatus according to the invention are directed towards providing apparatus for generating an emergency one time use (EOTU) personal identification number (PIN) for use at one or more automated teller machines. The apparatus may include a receiver configured to receive (1) information corresponding to an account holder at a financial institution and (2) information corresponding to a request from the account holder to electronically generate an EOTU PIN. The apparatus may also include a processor configured to (1) determine a maximum amount of funds to be accessed using the EOTU PIN and (2) electronically generate the EOTU PIN. The apparatus may additionally include a transmitter configured to electronically transmit to the account holder information relating to the EOTU PIN. | 08-02-2012 |
20120278234 | FAST CASH AT ATM - Apparatus and methods for an enhanced cash withdrawal transaction option are provided. The enhanced cash withdrawal transaction option may include using an ATM to display an initial ATM display. The initial ATM display may display multiple transaction options, the multiple transaction options including at least one cash withdrawal amount. Apparatus and methods for an additional enhanced cash withdrawal transaction are provided. The additional enhanced cash withdrawal transaction may enable a user to type an ATM PIN in an ATM keypad followed by a cash withdrawal amount. Apparatus and methods for an enhanced ATM customer display are also provided. The enhanced ATM customer display according to the systems and methods of the invention may customize an ordered ATM customer flow based on historical customer usage data. | 11-01-2012 |
20120324278 | METHOD AND APPARATUS FOR IMPROVING ACCESS TO AN ATM DURING A DISASTER - A method and apparatus that allow a user to easily operate a self-service device despite the presence of damage is provided. Anticipated damage includes extreme environmental conditions such as earthquakes, flooding, strong winds, tsunamis, etc. These conditions may cause a failure in a portion of the self-service device. Improved ruggedness and redundant components are coordinated by suitable software to provide service despite damage to the self-service device. Additionally, access to some user accounts despite the loss of connectivity to a server maintaining user accounts is provided. | 12-20-2012 |
20130325643 | ISOLATED TRANSACTION - Apparatus, methods and media for providing a transaction between a customer and a merchant. The apparatus may include a processor that is configured to register in a machine readable memory a purchasing proxy that corresponds to the customer and the merchant; a receiver that is configured to receive from the merchant transaction information that includes the purchasing proxy; and a transmitter that is configured to transmit transaction authorization information to the merchant based on the transaction information and customer account information that is co-registered, in the machine readable memory, with the purchasing proxy. | 12-05-2013 |
Patent application number | Description | Published |
20130103453 | REHABILITATION OF UNDERPERFORMING SERVICE CENTERS - This disclosure provides apparatus and methods for rehabilitating an underperforming service center operated by an entity. The service center may be included in a plurality of service centers. A service center may be characterized as underperforming based on a calculated health score. The health score may be based on a technology malfunction that occurred at the service center. The health score may be based on an intensity score. The health score may be based on an incident count. The health score may be based on a network count. The health score may be compared to a threshold. If the health score is below the threshold, the service center may be characterized as underperforming. A service center characterized as underperforming may be included in a chronic list. The chronic list may be mined for patterns characteristic of an underperforming service center. | 04-25-2013 |
20130208295 | PREDICTIVE FAULT RESOLUTION - A method for predicting failure in an Automated Teller Machine (ATM) is provided. The method may include using a database to store information relating to the performance of a component function by an ATM component. The information may include normal performance information and fault information. The method may further include using a computational module to calculate a fault rate for the ATM component. The method may also include using a processor to compare the calculated fault rate to a threshold value associated with the component function. In the event that the fault rate exceeds the threshold value, the processor may initiate a request for service of the ATM component. | 08-15-2013 |
20130211859 | DEVICES AND METHODS FOR DISASTER-RELIEF SUPPORT - Methods and apparatus according to the invention are directed towards providing a client support in the wake of a disaster impacting a locale. Support may include transporting support-means to the locale, authenticating identification of the client, interfacing with an entity administering an account for the client, and facilitating access by the client to the account. The methods and apparatus may also provide support of non-account-related disaster-relief efforts associated with the locale. | 08-15-2013 |
20130212014 | DISASTER-RELIEF CARDS - Methods and apparatus according to the invention are directed towards providing a client support in the wake of a disaster impacting a locale. Support may include transporting support-means to the locale, authenticating identification of the client, interfacing with an entity administering an account for the client, and facilitating access by the client to the account. The methods and apparatus may also provide support of non-account-related disaster-relief efforts associated with the locale. | 08-15-2013 |
20130212171 | SYSTEMS AND METHODS FOR SELECTIVE ROUTING OF REMOTE CLIENT CONTACT(S) - Methods and apparatus perform a method for electronically routing an authenticated client to a pre-determined destination. The method may include authenticating the identity of the client. In response to the authentication of the identity of the client, the method may retrieve contact information associated with the client. The contact information may include identification information for an employee listed on a list of employees pre-approved by the client. The method may further include determining the current availability of the employee for participation in a video conference. If the employee is available, the method may initiate a video conference between the client and a destination associated with the employee. If the employee is not available, the method may retrieve identification information for a second an employee listed on a list of employees pre-approved by the client. | 08-15-2013 |
20130332349 | ATM FOR USE WITH CASH BILL PAYMENT - A method for employing an electronic self-service apparatus that enables a payor to pay a domestic or foreign, preexisting bill or invoice, using cash, or cash in combination with at least one of, checks, and credit items, wherein any of the items may be in local or foreign currency. The method employs a processing unit and an input module for receiving data entered by the payor at the apparatus. This data input comprises, tactile, optical, voice, smart card, or pre-recorded, computer-readable media device input. It also employs a receiver module configured for receiving cash, checks, and credit items. Communication occurs between, at least two of, the payor, payee, a financial institution and the apparatus. An embodiment may include a visual display, audio output module, and a printer, and an output module for enabling the entry of information to a computer-readable media device. | 12-12-2013 |
20140084052 | Self-Service Device Servicing Utilizing a Hardware Database - A system and method of utilizing a hardware database with a master ticket or a support ticket for individual financial self-service devices, such as an automated teller machine (ATM), that provides a technician with information about the self-service device and improves the self-service device servicing process is provided. The self-service device service system may include a processor; a self-service device, wherein the automated teller machine includes a self-service device support ticket attached to the self-service device; a self-service device hardware database that includes information about a plurality of self-service devices; and a handheld wireless device configured to scan and store the set of data from the self-service device support ticket and communicate the set of data to the self-service device hardware database. | 03-27-2014 |
20140279492 | REMOTE IMAGE RECOVERY - Methods, systems, and computer-readable media are provided for resilient document image production. During a document deposit transaction, such as a check deposit, a self-service device, such as an automated teller machine (ATM), may experience a fault. In some instances, an image of the document may have been scanned prior to experiencing the fault. The self-service device may retrieve one or more scanned images, for example, over a time window prior to the fault, such as 5 minutes, and allow access to the retrieved images. A processing entity may access the retrieved images, determine that one of the retrieved images is associated with the first document deposit transaction, and resolve a claim for the document deposit transaction. | 09-18-2014 |
Patent application number | Description | Published |
20080259891 | MULTIPLE PACKET SOURCE ACKNOWLEDGEMENT - A multi-bit acknowledgement word ( | 10-23-2008 |
20080285534 | Different Orthogonal Code Sets with Members in Common - A first orthogonal codeset, obtainable in various manners, is used in a first cell to provide orthogonal spreading codes for traffic signals originating within the first cell. A second orthogonal code set for use in a second cell is obtained that has at least a first code in common with the first orthogonal code set by selecting any code in the first codeset to be the first common code. The plural orthogonal codesets can be utilized in various ways and in various environments. For example, the plural orthogonal codesets can be used for operation of a user equipment unit in a code division multiple access (CDMA) network. | 11-20-2008 |
20080291821 | ORTHOGONAL SPREAD-SPECTRUM WAVEFORM GENERATION WITH NON-CONTIGUOUS SPECTRAL OCCUPANCY FOR USE IN CDMA COMMUNICATIONS - The technology in this application solves these problems (and others) and meets the desirable goals identified above (and others). The technology spreads a signal over an available discontinuous spectrum, such as a radio frequency band, so that the spread signal only occupies the non-contiguous spectrum. In this way, CDMA transmission and reception can be used in a fragmented or non-contiguous spectum that otherwise would not be useable for direct sequence spreading. Spreading over non-contiguous portions of spectrum is preferably performed without producing unacceptable interference in portions of unavailable spectrum located between the allowed spectrum. By avoiding unacceptable interference in portions of unavailable spectrum located between the allowed spectrum, the unavailable spectrum may be used by other users or services. | 11-27-2008 |
20080291977 | SAME FREQUENCY SATELLITE TERRESTRIAL RADIO BROADCAST - A satellite broadcasts radio programs to mobile and fixed receivers at various locations. Ground stations supplement the satellite broadcasts in areas where the satellite signal may be shadowed. Likewise, the satellite signal supplements the terrestrial transmissions in areas with marginal terrestrial signal strength. Ground stations and a satellite transmit the same digital symbol stream over a same frequency spectrum. The symbol streams arrive in each service area of the ground stations with a relative delay that is within a window for which a receiver is adapted to decode efficiently. Spectral efficiency is achieved by allowing the ground stations to share the same frequencies as the satellites. | 11-27-2008 |
20090003472 | METHOD AND APPARATUS FOR COMMUNICATING WITH ROOT-NYQUIST, SELF-TRANSFORM PULSE SHAPES - A communication system ( | 01-01-2009 |
20110080936 | ORTHOGONAL SPREAD-SPECTRUM WAVEFORM GENERATION WITH NON-CONTIGUOUS SPECTRAL OCCUPANCY FOR USE IN CDMA COMMUNICATIONS - The technology in this application spreads a signal over an available discontinuous spectrum, such as a radio frequency band, so that the spread signal only occupies the non-contiguous spectrum. In this way, CDMA transmission and reception can be used in a fragmented or non-contiguous spectrum that otherwise would not be useable for direct sequence spreading. Spreading over non-contiguous portions of spectrum is preferably performed without producing unacceptable interference in portions of unavailable spectrum located between the allowed spectrum. By avoiding unacceptable interference in portions of unavailable spectrum located between the allowed spectrum, the unavailable spectrum may be used by other users or services. | 04-07-2011 |
20110122767 | ORTHOGONAL VECTOR DSL - A wire-based infrastructure capable of delivering high data rates is described herein. A transmission system, reception system, and/or repeater uses wire-mapping code matrices to reduce interference in multi-wire cables to increase the data rate provided by such multi-wire cables. More particularly, code mapping matrices are applied to transmission and/or received input signals to generate a mapped signal for each output wire or corresponding to each input wire such that each mapped signal comprises a different combination of all of the input signals. Different ones of the wire-mapped signals are ultimately transmitted on different wires. In so doing, the present invention facilitates crosstalk reduction, and therefore, provides a technique that increases the data rate available on multi-wire cables. | 05-26-2011 |
20110150049 | MIMO CHANNEL LOOPBACK - A method and apparatus for efficiently providing a large volume of channel feedback, e.g., for OFDM MISO and MIMO systems, is described herein. To that end, a mapping unit in an OFDM transceiver maps channel feedback values, e.g., received reference signal values or channel estimates derived therefrom, on a one-to-one basis to individual transmission subchannels. More particularly, the mapping unit maps a feedback value, e.g., the received reference value or a channel estimate derived therefrom, to a single transmission subchannel of an outgoing OFDM signal. For example, the mapping unit may map the feedback value to an input of a frequency transform unit, such as an inverse discrete Fourier transform unit, to map the feedback value to a single transmission subchannel comprising an OFDM transmission subcarrier. The OFDM transceiver transmits the outgoing OFDM signal to the remote transceiver to provide the feedback value to the remote transceiver. | 06-23-2011 |
20110158361 | RADIO CHANNEL ANALYZER TO DETERMINE DOPPLER SHIFTS ACROSS MULTIPLE FREQUENCIES OF A WIDEBAND SIGNAL - A receiver and receive processing method described herein improves the accuracy of channel estimates by correcting for the assumption that the Doppler shift (or rate-of-change-of-delay) stays constant for each frequency within a signal bandwidth of a received signal. To that end, a receiver according to the present invention comprises a channel processor having multiple processing units. A first processing unit processes reference values (e.g., pilot signals) received for each of a plurality of frequencies within a signal bandwidth at a plurality of different signal times (or the complex propagation channel coefficients estimated therefrom) to determine a set of complex wave amplitudes either for each of multiple frequencies in the signal bandwidth or for each of the different signal times. A second processing unit subsequently processes the complex wave amplitudes to determine complex scattering coefficients, where each complex scattering coefficient corresponds to a respective scattering object in the wireless communication channel. | 06-30-2011 |