Automated teller machine transaction queue

• US 8,260,707 B2
• Filed: 07/15/2008
• Issued: 09/04/2012
• Est. Priority Date: 07/15/2008
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Treadwell, Scott, DeLorenzo, Phillip
• Primary Examiner(s): RANKINS, WILLIAM E
• Application Number:
  US12/173,322
• Publication Number:
  US 20100017327A1
• Time in Patent Office: 1,512 Days
• Field of Search: 705/35, 705/39, 705/42, 705/43
• US Class Current: 705/43
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• 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]
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network

Abstract

Methods and a system for performing an automated teller machine (ATM) transaction using a queue are disclosed. A user may first initiate an ATM transaction from a networked device to create a pending ATM transaction. The pending ATM transaction is then stored into a queue until it is accessed by the ATM. When a user is ready to complete the pending ATM transaction, the pending ATM transaction is retrieved from the queue and is completed by, for example, the ATM.

Claims

1. A method of processing an automated teller machine (ATM) transaction comprising:

receiving transaction information over a network from a user for initiating the ATM transaction from a remotely-located networked device, wherein the receiving the transaction information occurs prior to the user arriving at an ATM for completing the ATM transaction;

creating a pending ATM transaction based at least partially on the transaction information;

storing the pending ATM transaction into a queue, the queue being accessible by an ATM without any further communication with the networked device after the pending ATM transaction has been created, the queue being accessible upon authentication of the user at an ATM for completing the transaction;

receiving authentication of the user at an ATM;

querying the queue to determine if any pending ATM transactions are stored in the queue;

prompting, at the ATM, the user to select the pending ATM transaction for completion, wherein the pending ATM transaction is presented to the user at the ATM;

retrieving the selected pending ATM transaction from the queue for completion and

completing the retrieved selected pending ATM transactions at the ATM.

2. The method of claim 1 wherein the networked device comprises one of a mobile terminal, a mobile computer and a personal computer and the networked device remains remotely-located from the ATM when the pending ATM transaction is retrieved at the ATM.

3. The method of claim 1 wherein the receiving transaction information comprises:

receiving a user selection to initiate the pending ATM transaction; and

receiving transaction information from the user regarding the pending ATM transaction, the ATM transaction comprising entering ATM information comprising a specific ATM where the pending ATM transaction will be completed.

4. The method of claim 3, wherein the transaction information received from the user comprises information related to one of a type of transaction to perform, a specific ATM location to perform the transaction, the amount of money involved, at least one banking account that will be used for the transaction, and security rules that will be applied at the ATM to complete the transaction.

5. The method of claim 4 wherein the type of transaction to perform comprises one of depositing, withdrawing, and transferring money.

6. The method of claim 1 wherein the receiving authentication of the user at the ATM comprises:

presenting an interface for the user to enter user ATM login credentials via the ATM; and

receiving the user ATM login credentials via the ATM.

7. The method of claim 1 further comprising removing the pending ATM transaction from the queue.

8. The method of claim 1 further comprising automatically completing the pending ATM transaction in the queue in response to determining if the pending ATM transaction is stored in the queue and in response to the user indicating to complete the pending ATM transaction so that the pending transaction is completed at the ATM without any additional interaction by the user at the ATM.

9. A computer-readable storage medium comprising computer program code embodied therein for executing an ATM transaction, the computer program code, when executed on at least one computer, allows the at least one computer to:

receive transaction information over a network from a user for initiating the ATM transaction from a remotely located networked device, wherein the receiving the transaction information occurs prior to the user arriving at an ATM for completing the ATM transaction

create a pending ATM transaction based at least partially on the transaction information;

store the pending ATM transaction into a queue, the queue being accessible by an ATM without any further communication with the networked device after the pending ATM transaction has been created, the queue being accessible upon authentication of an user at an ATM for completing the transaction;

receive authentication of the user at an ATM;

query the queue to determine if any pending ATM transactions are stored in the queue;

prompt, at the ATM, the user to select the pending ATM transaction for completion, wherein the pending ATM transaction is presented to the user at the ATM;

retrieve the selected pending ATM transaction from the queue for completion; and

complete the retrieved selected pending ATM transactions at the ATM.

10. The computer-readable storage medium of claim 9 wherein the initiating the ATM transaction from a networked device so that the ATM transaction is pending comprises:

instructions for receiving a user'"'"'s selection to perform the ATM transaction; and

instructions for receiving ATM transaction data inputted by the user.

11. The computer-readable storage medium of claim 9 wherein the computer program code comprises instructions for removing the completed ATM transaction from the queue.

12. The computer-readable storage medium of claim 9 wherein the computer program code is stored in the queue.

13. A system for processing an ATM transaction, comprising:

a middle ware processing system comprising;

a processor configured to;

receive transaction information over a network from a user to initiate the ATM transaction from a remotely located networked device, wherein the receiving the transaction information occurs prior to the user arriving at an ATM for completing the ATM transaction; and

create a pending ATM transaction based at least partially on the transaction information;

a queue to store the pending ATM transaction, wherein the queue is accessible by an ATM without any further communication with the networked device after the pending transaction has been created, the queue being accessible upon authentication of the user at an ATM for completing the transaction;

an ATM configured to;

receive authentication of the user at the ATM;

query the queue to determine if any pending ATM transactions are stored in the queue;

prompt the user to select the pending ATM transaction for completion, wherein the pending ATM transaction is presented to the user at the ATM;

retrieve the selected pending ATM transactions from the queue for completion; and

complete the selected retrieved pending ATM transaction at the ATM; and

a network to connect the ATM to the middle ware processing system.

14. The system of claim 13, where the queue is a component of one of an ATM centralized processing system and an online banking processing system.

15. The system of claim 13, further comprising a back end system connected to the middle ware processing system via the network.

16. The system of claim 13 wherein the networked device comprises one of a mobile terminal, a mobile computer and a desktop computer.

17. The system of claim 13 wherein the mobile terminal comprises one of a personal digital assistant (PDA), a cellular telephone, and a wireless handheld device.

18. The system of claim 13 wherein the network comprises one of a local area network (LAN) connection, a wide area network (WAN) connection and a Bluetooth connection.