SENSOR SYSTEM FOR DETECTION OF A PARTIAL RETRIEVAL OF DISPENSED CURRENCY AT AN AUTOMATED TELLER MACHINE

• US 20140337212A1
• Filed: 05/09/2013
• Published: 11/13/2014
• Est. Priority Date: 05/09/2013
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Crist, Kristy M., Rhodes, Devin D., Goodwin, James D., Carswell, Terrelle Jr., McConnell, Eric, Puri, Rahul
• Granted Patent: US 9,368,002 B2
• Time in Patent Office: Days
• US Class Current: 705/43
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G07D 11/16 Handling of valuable papers within containers G07D11/13
• CPC Class Codes: G07F 19/206 Software aspects at ATMs
• CPC Class Codes: G07F 19/207 Surveillance aspects at ATMs
• CPC Class Codes: G07F 19/209 Monitoring, auditing or diagnose of functioning of ATMs

Abstract

Apparatus and methods for a sensor system are provided. The system may be configured to detect a dispensing of cash from an automated teller machine (“ATM”). The system may be configured to orient one or more sensors to capture a first information stream that includes the dispensing of cash. The system may be configured to detect a retraction of cash by the ATM. The system may orient one or more sensors to capture a second information stream that includes the retraction. The system may be configured to determine an estimate of cash collected by an ATM customer. The estimate may be based on a comparison of the first information stream and the second information stream.

Claims

1. An apparatus for detecting a partial retrieval of currency dispensed from an automated teller machine (“

ATM”

), the apparatus comprising;

a first sensor;

oriented toward a dispenser of the ATM; and

configured to capture first data;

a second sensor;

oriented toward an identifying characteristic of an ATM customer; and

configured to capture second data; and

a computer system comprising;

a non-transitory computer readable medium having computer readable program code embodied therein; and

a processor configured to execute the computer readable program code; and

the computer readable program code in said computer system when executed by the processor causes the computer system to;

to determine if the first data corresponds to a partial withdrawal of cash from the ATM; and

produce a fraud record when the first data corresponds to the partial withdrawal, the fraud record comprising;

at least a portion of;

 

the first data captured by the first sensor; and

 

the second data captured by the second sensor; and

a transaction identifier associated with the partial withdrawal.

2. The apparatus of claim 1 wherein the first sensor is an image capturing device.

3. The apparatus of claim 1 wherein the second sensor is an image capturing device.

4. The apparatus of claim 1 wherein the computer readable program code in said computer system when executed by the processor causes the computer system to identify:

a first segment of the first data corresponding to a withdrawal of cash from a dispenser of the ATM; and

a second segment of the first data corresponding to cash remaining in the dispenser after the withdrawal.

5. The apparatus of claim 4 wherein the fraud record comprises the first segment and the second segment.

6. The apparatus of claim 4, the computer readable program code in said computer system when executed by the processor causes the computer system to:

determine a time window associated with the first segment and the second segment; and

identify a segment of the second data captured during the time window.

7. The apparatus of claim 6 wherein the fraud record comprises the segment of the second data.

8. The apparatus of claim 6 wherein the computer readable program code in said computer system when executed by the processor causes the computer system to identify the transaction identifier based on the time window.

9. A method for reducing fraud at an automated teller machine (“

ATM”

), the method comprising;

capturing an information stream using a sensor; and

in response to a retraction of cash by the ATM, using a computer system to;

identify a segment of the information stream; and

generate a fraud record, the fraud record comprising;

a transaction identifier associated with the retraction;

a time window associated with the transaction identifier; and

the segment of the information stream.

10. The method of claim 9, further comprising using the computer system to identify the segment of the information stream based on the time window.

11. The method of claim 9 wherein, when the sensor is a first sensor and the information stream is a first information stream, the method further comprises, in response to the retraction, capturing a second information stream using a second sensor.

12. The method of claim 11 wherein:

the second information stream comprises a characteristic of an ATM customer captured by the second sensor; and

the fraud record comprises at least a portion of the second information stream.

13. The method of claim 10, further comprising using the computer system to:

based on the time window, identify a withdrawal request associated with the retraction; and

based on the withdrawal request, identify an ATM customer; and

associate the ATM customer with the retraction.

14. The method of claim 9 further comprising using the computer system to:

receive a mis-dispense claim; and

identify a claimant associated with the mis-dispense claim;

determine if the claimant is associated with a fraud record; and

score the claim based on the fraud record.

15. The method of claim 14, further comprising using the computer system to:

determine a monetary value based on the scoring of the fraud record; and

associate the monetary value with the mis-dispense claim.

16. The method of claim 9 wherein the fraud record further comprises:

a transaction record comprising;

a name of an ATM customer;

a first time corresponding to a request for a withdrawal from the ATM;

a second time corresponding to a dispensing of cash from the ATM in response to the request; and

a third time corresponding to the retraction.

17. The method of claim 9 wherein the information stream comprises:

a video recording of a withdrawal of cash from a dispenser of the ATM; and

an image of cash remaining in the dispenser after the withdrawal.

18. An apparatus for detecting a partial retrieval of cash from an automated teller machine (“

ATM”

), the apparatus comprising a sensor oriented to capture;

a dispensing of cash from the ATM; and

a retraction of cash into the ATM;

wherein, the sensor is moveable with respect to a position of a customer of the ATM.

19. The apparatus of claim 18 wherein, the sensor is configured to capture:

the dispensing in a first position with respect to the customer; and

the retraction in a second position with respect to the customer.

20. The apparatus of claim 18 wherein the sensor is configured to:

identify a first position of the customer;

determine a second position unobstructed by the customer; and

capture the retraction oriented in the second position.