Systems and methods for reducing ATM deposit losses
US11069200B1 · kind B1 · utility
Assignee
Inventors
Key dates
| Filing date | May 23, 2019 |
| Grant date | Jul 20, 2021 |
| Priority date | — |
| Expiry date | Jan 24, 2040 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG07F19/203
- WIPO fieldControl
- WIPO sectorInstruments
Abstract
A system for processing a deposit can include a financial institution computing system for use in processing a deposit from a customer at an automated teller machine (ATM). The system can include input/output logic configured to receive, from the ATM, deposit information and an event indicator value corresponding to an interaction between the customer and the ATM; confidence score generating logic configured to analyze the deposit information received from the ATM and to determine a confidence score related to an amount of the deposit based on the analysis; and a risk-decisioning system including funds availability logic configured to calculate an availability value based on the event indicator and the confidence score. The risk-decisioning system can be configured determine that the availability value is greater than an availability threshold, and to responsively make an amount of funds available to the customer for withdrawal at the ATM.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.