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US 11,600,151 B2Granted
Automatic teller machine with pre-registration
AssigneeBank of America Corporation
InventorEric Dryer
Life of this patent
Estimating the term…
Abstract
An ATM pre-registration tool allows a user to request an amount of cash from an ATM before traveling to that ATM. The pre-registration tool receivers a user's request and determines whether a specified ATM contains the requested cash. If the ATM does not contain the requested cash, the pre-registration tool informs the user that the ATM does not contain sufficient funds to fulfill the user's request. If the ATM contains the requested cash, the pre-registration tool instructs the ATM to reserve that cash for the user.
Claims17
An apparatus comprising:
- a memory;
- and
- a hardware processor communicatively coupled to the memory, the hardware processor configured to:
- receive a first request from a user to reserve a first amount of cash at an automatic teller machine, the first request identifying the automatic teller machine;
- in response to receiving the first request, determine that the automatic teller machine contains at least the first amount of cash;
- in response to determining that the automatic teller machine contains at least the first amount of cash, communicate an instruction to the automatic teller machine to reserve the first amount of cash for the user and to dispense the first amount of cash to the user when an identifier is presented to the automatic teller machine;
- communicate the identifier to the user;
- receive a second request to reserve a second amount of cash at the automatic teller machine, wherein the second request indicates a first denomination for the second amount of cash;
- determine that the automatic teller machine does not contain at least the second amount of cash in the first denomination;
- and
- solicit input from a sender of the second request indicating whether the automatic teller machine is permitted to fulfill the second request with a second denomination of the second amount of cash that is different from the first denomination, wherein the second denomination of the second amount of cash is available at the automatic teller machine.
8 more elements
A method comprising:
- receiving, by a hardware processor communicatively coupled to a memory, a request from a user to reserve a first amount of cash at an automatic teller machine, the first request identifying the automatic teller machine;
- in response to receiving the request, determining, by the hardware processor, that the automatic teller machine contains at least the first amount of cash;
- in response to determining that the automatic teller machine contains at least the first amount of cash, communicating, by the hardware processor, an instruction to the automatic teller machine to reserve the first amount of cash for the user and to dispense the first amount of cash to the user when an identifier is presented to the automatic teller machine;
- communicating, by the hardware processor, the identifier to the user;
- receiving a second request to reserve a second amount of cash at the automatic teller machine, wherein the second request indicates a first denomination for the second amount of cash;
- determining that the automatic teller machine does not contain at least the second amount of cash in the first denomination;
- and
- soliciting input from a sender of the second request indicating whether the automatic teller machine is permitted to fulfill the second request with a second denomination of the second amount of cash that is different from the first denomination, wherein the second denomination of the second amount of cash is available at the automatic teller machine.
5 more elements
A system comprising:
- an automatic teller machine;
- and
- a pre-registration tool comprising a hardware processor communicatively coupled to a memory, the hardware processor configured to:
- receive a first request from a user to reserve a first amount of cash at the automatic teller machine, the first request identifying the automatic teller machine;
- in response to receiving the first request, determine that the automatic teller machine contains at least the first amount of cash;
- in response to determining that the automatic teller machine contains at least the first amount of cash, communicate an instruction to the automatic teller machine to reserve the first amount of cash for the user and to dispense the first amount of cash to the user when an identifier is presented to the automatic teller machine;
- communicate the identifier to the user;
- receive a second request to reserve a second amount of cash at the automatic teller machine, wherein the second request indicates a first denomination for the second amount of cash;
- determine that the automatic teller machine does not contain at least the second amount of cash in the first denomination;
- and
- solicit input from a sender of the second request indicating whether the automatic teller machine is permitted to fulfill the second request with a second denomination of the second amount of cash that is different from the first denomination, wherein the second denomination of the second amount of cash is available at the automatic teller machine.
8 more elements
Dependencies are inferred from the claim text.