FINANCIAL SERVICES CENTER

• US 20130238498A1
• Filed: 03/06/2012
• Published: 09/12/2013
• Est. Priority Date: 03/06/2012
• Status: Active Grant

• Current Assignee: NCR Corporation
• Original Assignee: NCR Corporation
• Inventors: Forsyth, Gordon
• Granted Patent: US 10,504,083 B2
• Time in Patent Office: Days
• US Class Current: 705/43
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]

Abstract

A financial services center for use with a remote teller station. The financial services center comprises: a video interface for connecting to the remote teller station; and an ATM operable to dispense funds in response to commands received from (i) the remote teller station, and (ii) a transaction host. The ATM is operable to transmit a transaction update to the transaction host, where the transaction update provides information about funds dispensed in response to authorization from the remote teller station. This ensures that the transaction host receives information about funds dispensed in response to authorization received from each of the transaction host and the remote teller station.

Claims

1. A financial services center for use with a remote teller station, the financial services center comprising:

a teller interface for connecting to the remote teller station; and

an automated teller machine operable to dispense first funds in response to first commands received from the remote teller station during a teller assisted transaction and to dispense second funds in response to second commands received from a transaction host during a self-service transaction;

wherein the automated teller machine is further operable to transmit a transaction update to the transaction host indicating that the first funds have been dispensed during the teller assisted transaction.

2. A financial services center according to claim 1, wherein the transaction host communicates with the automated teller machine using a defined message protocol.

3. A financial services center according to claim 1, wherein the automated teller machine is controlled remotely using the transaction host, which transfers a transaction flow thereto.

4. A financial services center according to claim 2, wherein the transaction update comprises an existing defined message in the message protocol.

5. A financial services center according to claim 1, wherein the automated teller machine sends a transaction update after each dispense transaction authorized by the remote teller station.

6. A financial services center according to claim 1, wherein the automated teller machine waits until a predefined time and then sends a single transaction update that may include multiple transactions.

7. A financial services center according to claim 1, wherein the automated teller machine allocates a float amount of cash for future transactions to be authorized by the remote teller station and transmits this float amount as a transaction update.

8. A method of operating an automated teller machine, the method comprising:

receiving by the automated teller machine from a first transaction authorization system a request to dispense funds;

dispensing by the automated teller machine funds to a customer in response to the received request;

preparing by the automated teller machine a transaction update comprising information about the funds dispense request received from the first transaction authorization system; and

transmitting by the automated teller machine the transaction update to a second transaction authorization system, which is different from the first authorization system, to provide the second transaction authorization system with information about all funds dispensed by the automated teller machine.

9. A method according to claim 8, wherein the step of preparing a transaction update is implemented before, during, or after the step of dispensing funds to the customer.

10. A method according to claim 8, wherein the command from the first authorization system is received on a different communication channel than the communication channel used to transmit the transaction update to the second transaction authorization system.

11. A method according to claim 8, wherein the transaction update comprises an existing defined message in the message protocol.

12. A method according to claim 8, wherein the step of preparing a transaction update comprising information about the funds dispense request received from the first authorization system includes the sub-step of:

preparing a transaction update comprising information about multiple funds dispense requests received from the first authorization system.

13. A method according to claim 8, wherein the first authorization system comprises a remote teller system and the second authorization system comprises a transaction host configured to authorize self-service transactions at the automated teller machine.

14. A method of operating an ATM, the method comprising:

preparing a transaction update comprising information about funds in the ATM that are allocated to a remote teller station;

transmitting the transaction update to a transaction host, which is different from the remote teller, to provide the transaction host with information about the funds allocated to the remote teller station;

receiving from the remote teller station a command to dispense funds;

dispensing funds to a customer in response to the received command; and

deducting the funds dispensed from the amount of funds allocated to the remote teller station to maintain a record of funds dispensed in response to commands received from the remote teller station.

15. An ATM processor programmed to implement the method of claim 14.