Automatic teller machines (ATMs) management

• US 20040215566A1
• Filed: 11/14/2001
• Published: 10/28/2004
• Est. Priority Date: 12/15/2000
• Status: Abandoned Application

• Current Assignee: Thomas F. Meurer
• Original Assignee: Thomas F. Meurer
• Inventors: Meurer, Thomas F.
• Application Number:
  US09/990,755
• Publication Number:
  US 20040215566A1
• Time in Patent Office: Days
• US Class Current: 705/43
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network

Abstract

An ATM management system providing terminal definition and deployment, cash management, contractual terms and conditions, data recording and reconciliation among separate data entities, income and expense management and overall operational visibility into and controllability of substantially the entire business surrounding multiple ATM terminal installations and multiple partner arrangements related thereto, enabling terminal owners or partners to know how to download and utilize real time data generated at the ATMs per se and make use of it in efficiently managing ATMs.

Claims

1. An ATM management system for enabling efficient operations comprising, in combination,

(a) means for parsing the ATM business transactions and management into an array of separate data-carrying entities including ATM terminals and other types of terminal devices including POS devices and kiosks, the terminals, proprietor(s), providers of cash or other value to be dispensed via ATM terminals, transport and replenish service providers, and also the terminals per se and transactions and events of related respective business surrounding the system,

(b) means associated with each of selected persons or entities or groups of them and the ATMs for providing separate activity data files of each,

(c) means establishing contract terms or other protocols inter-relating each of said persons or entities with the ATMs and transactions and activities,

(d) means for controlling all allowable customer transactions and events of each ATM and terminal back up service transactions and events by the terms or other protocol,

the system as a whole operating in parallel with but not dependent on the selection of bank records or other customer-institution relationship, the system acting in response to financial transaction authorizations and rejections.

2. The system of claim 1 configured for cash dispensing.

3. The system of claim 2 including means for generation of cash orders and replenishments for such terminals.

4. The system of claim 1 including means for generating a database of terminal events as needs and fulfillment.

5. The system of claim 1 including means for grouping ATMs and persons/entities as new pseudo entities incorporated in the database.

6. An ATM management system for enabling efficient operations comprising, in combination,

(a) means for parsing the ATM business transactions and management into an array of separate data-carrying entities including terminal devices, proprietor(s), providers of cash or other value to be dispersed via ATM terminals, transport and replenish service providers, and also the terminals per se and transactions and events of related respective business surrounding the system,

(b) means associated with each of selected persons or entities or groups of them and the ATMs for providing separate activity data files of each,

(c) means establishing contract terms or other protocols inter-relating each of said persons or entities with the ATMs and transactions and activities,

(d) means for controlling all allowable customer transactions and events of each ATM and terminal back up service transactions and events by the terms or other protocol, the system as a whole operating in parallel with but not dependent on the selection of bank records or other customer-institution relationship,

(e) means for generation of cash orders and replenishments for such terminals, and

(f) means for generating a database of terminal events as needs and fulfillment.

7. An ATM management system for enabling efficient operations comprising, in combination,

means for parsing the ATM business transactions and management into an array of separate data-carrying entities including terminal devices, proprietor(s), providers of cash or other value to be dispersed via ATM terminals, transport and replenish service providers, and also the terminals per se and transactions and events of related respective business surrounding the system,

the system as a whole operating in parallel with but not dependent on the selection of bank records or other customer-institution relationship, the system acting in response to authorizations and rejections but not interfering with such processes.

8. The system of claim 7 including means for grouping ATMs and persons/entities as new pseudo entities incorporated in the database.