TIME ANALYSIS OF A BANKING SYSTEM

• US 20170154319A1
• Filed: 01/31/2017
• Published: 06/01/2017
• Est. Priority Date: 10/19/2012
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Nixdorf, Incorporated
• Inventors: GROMLEY, Neil C., CAIRNS, Dustin, LAWVER, Mike, REESE, Rodney J., HARROFF, B. Scott
• Granted Patent: US 10,013,685 B2
• Time in Patent Office: Days
• CPC Class Codes: G06F 3/0482 Interaction with lists of selectable items, e.g. menus
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G07F 19/203 Dispensing operations within ATMs dispensing in general G07D11/00
• CPC Class Codes: G07F 19/209 Monitoring, auditing or diagnose of functioning of ATMs
• CPC Class Codes: G07F 9/026 for alarm, monitoring and auditing in vending machines or means for indication, e.g. when empty
• CPC Class Codes: G07G 1/01 Details for indicating displaying information in general G09F, G09G

Abstract

A banking system that utilizes metrics in acquiring and processing event data related to financial transaction activity at a plurality of automated banking machines. Automated banking machine include sensors able to detect event data during a transaction. The event data can include transaction data related to the type of transaction, time analysis data related to duration of the transaction, and operational data related to machine components used in carrying out the transaction. The event data for automated banking machines can be obtained, analyzed, and stored. Statistical averages associated with the banking system machines can be determined in real time. The averages allow a respective machine to be compared to other machines with respect to operational efficiency. An alert can be issued concerning a statistical anomaly regarding the respective machine.

Claims

1. A method, comprising:

acquiring analysis data representative of event data corresponding to transactions performed at an automated banking machine that includes a cash dispenser, and data representative of device data corresponding to components of the automated banking machine operated during the transactions; and

display a graphical representation of transactions performed by the automated banking machine;

wherein the graphical representation includes data selected from a group consisting of a total number of transactions conducted at the machine for a predetermined time period, and an average time the automated banking machine was performing transactions for a predetermined time period.

2. The method according to claim 1 wherein transaction data comprises data representative of a cash dispense transaction, and wherein the device data includes an amount of cash dispensed by a cash dispenser during the cash dispense transaction.

3. The method according to claim 2, further comprising determining from the amount of cash dispensed during the cash transaction, an amount of cash remaining in the machine.

4. The method according to claim 1 wherein the transaction data includes total transaction time.

5. The method according to claim 1, wherein the computer is operable to determine a number of transactions carried out at the machine during a predetermined time period.

6. The method according to claim 1, further comprising receiving data representative of check data, wherein service event data for the automated banking machine includes a length of time since received check data was removed from the machine for check processing.

7. The method according to claim 6 wherein the checks are received in envelopes, wherein the first machine includes an envelope storage area, wherein the automated banking machine includes at least one sensor operable to detect that the envelope storage area was manually accessed, the method further comprises determining the length of time since checks were removed from the storage area based at least in part on detection by the at least one sensor.

8. The method according to claim 6 wherein the automated banking machine includes a check imager, wherein the check imager is operable to generate at least one check image of at least a portion of a received check, wherein the automated banking machine is operable to store generated check images at the machine and then send the generated check images as a batch of check images to a remote server for check processing, the method further comprises:

acquiring information on when the automated banking machine sent the batch of check images; and

determining the length of time since check data removal based at least in part on the acquired information.

9. The method according to claim 8, further comprising tracking the number of check images currently stored at the automated banking machine.

10. The method according to claim 6, wherein the automated banking machine is operable to receive a plurality of financial checks, wherein the first machine is operable to store check data on each of the received checks, wherein the check data is needed for remote processing of the checks, wherein the check data includes information on an earliest received check and information on a latest received check, the method further comprises:

tracking the length of time since the earliest received check was received at the machine; and

determining whether check data is being stored at the first machine beyond a predetermined time period, responsive at least in part to the length of time tracked.

11. The method according to claim 1, further comprising:

tracking transaction times for the automated banking machines over a predetermined time period, wherein the transaction data includes average transaction time for the automated banking machine; and

determining in real time whether the average transaction time for the automated banking machine is one of a group consisting of on average, below average, and exceeding an average transaction time.

12. The method according to claim 1, further comprising:

tracking automated banking machine usage time over a given time period;

calculating a total usage time by adding the tracked usage times;

comparing the total usage time with an average total usage time; and

displaying the results of the comparison.

13. The method according to claim 1, wherein the automated banking machine is operable to receive cash deposits, the method further comprising:

tracking an amount of cash deposits received by the automated banking machine;

comparing the amount of cash deposits received with a cash storage capacity of the automated banking machine; and

generating an alert responsive to determining the amount of cash received is within a predetermined threshold of the cash storage capacity of the automated banking machine.

14. The method according to claim 1, wherein the transaction data comprises data representative of a cash dispense transaction, and wherein the device data includes an amount of cash dispensed by a cash dispenser during the cash dispense transaction.

15. The method according to claim 14, further operable to determine from the amount of cash dispensed during the cash transaction, an amount of cash remaining in the machine.

16. The method according to claim 1, wherein the automated banking machine comprises a card reader;

and

the method is further operable to determine a number of times the card reader has been used.

17. The method according to claim 1, the automated banking machine further comprises a check scanner;

and

the method further comprising determining a number of checks scanned by the check scanner.

18. The method according to claim 17, the method further comprises determining an amount of the checks scanned by the check scanner.

19. The method according to claim 17, the method further comprises determining how many of the checks scanned by the check scanner were from a predetermined financial institution.