U.S. patent application number 17/496318 was filed with the patent office on 2022-01-27 for dynamic automatic teller machine (atm) refilling and pre-staging atm transactions.
The applicant listed for this patent is Bank of America Corporation. Invention is credited to Sandeep Kumar Chauhan, Sneha Padiyar, Ravikiran Subramanya Rao.
Application Number | 20220028229 17/496318 |
Document ID | / |
Family ID | |
Filed Date | 2022-01-27 |
United States Patent
Application |
20220028229 |
Kind Code |
A1 |
Chauhan; Sandeep Kumar ; et
al. |
January 27, 2022 |
Dynamic Automatic Teller Machine (ATM) Refilling and Pre-Staging
ATM Transactions
Abstract
Aspects of the disclosure relate to an automatic teller machine
(ATM) network. A computing device may monitor operations in the ATM
network. The computing device may determine an ATM refill route for
a cash truck based on the monitoring the ATM network and/or based
on refill notifications sent by an ATM. An ATM may communicate with
a second ATM to pre-stage a user transaction at the second ATM.
Inventors: |
Chauhan; Sandeep Kumar;
(Hyderabad, IN) ; Rao; Ravikiran Subramanya;
(Hyderabad, IN) ; Padiyar; Sneha; (Andherei, East
Mumbai, IN) |
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Applicant: |
Name |
City |
State |
Country |
Type |
Bank of America Corporation |
Charlotte |
NC |
US |
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|
Appl. No.: |
17/496318 |
Filed: |
October 7, 2021 |
Related U.S. Patent Documents
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Application
Number |
Filing Date |
Patent Number |
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16887548 |
May 29, 2020 |
11195387 |
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17496318 |
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International
Class: |
G07F 19/00 20060101
G07F019/00; G06Q 20/40 20060101 G06Q020/40; G06Q 20/38 20060101
G06Q020/38 |
Claims
1. An automatic teller machine (ATM) refilling system with
real-time updates, the system comprising: a cash dispenser server
comprising at least one first processor, a first communication
interface communicatively coupled to the at least one first
processor, and a first memory; and a module, associated with a cash
truck, comprising at least one second processor, a second
communication interface communicatively coupled to the at least one
second processor, a global navigation satellite system (GNSS)
module, and a second memory; wherein the first memory stores first
computer-readable instructions that, when executed by the at least
one first processor, cause the cash dispenser server to: receive,
via the first communication interface, a refill notification from
an ATM, the refill notification comprising an indicator associated
with an ATM; determine, based on the refill notification, a refill
route for the cash truck, wherein the refill route comprises the
ATM and one or more second ATMs, and wherein the determining the
refill route comprises modifying a default refill route, comprising
the ATM and the one or more second ATMs, to prioritize the ATM; and
send, to the module, an indication of the refill route; and wherein
the second memory stores second computer-readable instructions
that, when executed by the at least one second processor, cause the
module to: send, via the second communication interface to the ATM,
a message comprising an indication of a location of the cash truck
captured by the GNSS module.
2. The system of claim 1, wherein the first memory stores first
computer-readable instructions that, when executed by the at least
one first processor, cause the cash dispenser server to: receive,
from the one or more second ATMs, respective cash availability
notification messages; wherein the determining the refill route is
further based on the receiving the respective cash availability
notification messages from the one or more second ATMs.
3. The system of claim 2, wherein the respective cash availability
notification messages indicate, for each respective ATM, at least
one of: an available cash value, available cash denominations, an
average transaction rate, or and average cash withdrawal rate.
4. The system of claim 1, wherein the first memory stores first
computer-readable instructions that, when executed by the at least
one first processor, cause the cash dispenser server to send, to
the ATM, refill information comprising an indication of a cash
truck.
5. The system of claim 1, wherein the refill notification indicates
at least one of: a required cash value, required cash
denominations, or a time period within which the cash is
required.
6. The system of claim 1, wherein the ATM comprises at least one
third processor, a third communication interface communicatively
coupled to the at least one third processor, and a third memory
storing third computer-readable instructions that, when executed by
the at least one third processor, cause the ATM to: send, via the
third communication interface, a push notification to a mobile
device, wherein the push notification comprises the indication of
the location of the cash truck.
7. The system of claim 6, wherein the mobile device comprises at
least one fourth processor, a fourth communication interface
communicatively coupled to the at least one fourth processor, and a
fourth memory storing fourth computer-readable instructions that,
when executed by the at least one fourth processor, cause the
mobile device to: send, via the fourth communication interface, a
beacon signal comprising a mobile device indicator; wherein the
third memory stores third computer-readable instructions that, when
executed by the at least one third processor, cause the ATM to:
determine, based on the beacon signal, that the mobile device is
associated with an authorized user of the ATM.
8. The system of claim 1, wherein the first computer-readable
instructions, when executed by the at least one first processor,
cause the cash dispenser server to: send, to the module, an
indication of cash value to be delivered to the ATM.
9. A method for automatic teller machine (ATM) refilling route
optimization in a cash dispensing office server comprising at least
one processor, a communication interface, and memory, the method
comprising: receiving, via the communication interface, a refill
notification from an ATM, the refill notification comprising an
indicator associated with an ATM; determining, based on the refill
notification, a refill route for a cash truck, wherein the refill
route comprises the ATM and one or more second ATMs, and wherein
the determining the refill route comprises modifying a default
refill route, comprising the ATM and the one or more second ATMs,
to prioritize the ATM; and sending, to a module associated with the
cash truck, an indication of the refill route.
10. The method of claim 9, further comprising: receiving, from the
one or more second ATMs, respective cash availability notification
messages; wherein the determining the refill route is further based
on the receiving the respective cash availability notification
messages from the one or more second ATMs.
11. The method of claim 10, wherein the respective cash
availability notification messages indicate, for each respective
ATM, at least one of: an available cash value, available cash
denominations, an average transaction rate, or and average cash
withdrawal rate.
12. The method of claim 9, further comprising sending, to the ATM,
refill information comprising an indication of a cash truck and an
indication of the refill route of the cash truck.
13. The method of claim 9, wherein the refill notification
indicates at least one of: a required cash value, required cash
denominations, or a time period within which the cash is
required.
14. The method of claim 9, further comprising: sending, to the
module, an indication of cash value to be delivered to the ATM.
15. A non-transitory computer readable medium storing instructions
that, when executed, cause: receiving a refill notification from an
ATM, the refill notification comprising an indicator associated
with an ATM; determining, based on the refill notification, a
refill route for a cash truck, wherein the refill route comprises
the ATM and one or more second ATMs, and wherein the determining
the refill route comprises modifying a default refill route,
comprising the ATM and the one or more second ATMs, to prioritize
the ATM; and sending, to a module associated with the cash truck,
an indication of the refill route.
16. The non-transitory computer readable medium of claim 15,
further comprising: receiving, from the one or more second ATMs,
respective cash availability notification messages; wherein the
determining the refill route is further based on the receiving the
respective cash availability notification messages from the one or
more second ATMs.
17. The non-transitory computer readable medium of claim 16,
wherein the respective cash availability notification messages
indicate, for each respective ATM, at least one of: an available
cash value, available cash denominations, an average transaction
rate, or and average cash withdrawal rate.
18. The non-transitory computer readable medium of claim 15,
further comprising sending, to the ATM, refill information
comprising an indication of a cash truck and an indication of the
refill route of the cash truck.
19. The non-transitory computer readable medium of claim 15,
wherein the refill notification indicates at least one of: a
required cash value, required cash denominations, or a time period
within which the cash is required.
20. The non-transitory computer readable medium of claim 15,
further comprising: sending, to the module, an indication of cash
value to be delivered to the ATM.
Description
CROSS-REFERENCE FOR RELATED APPLICATION
[0001] This application is a continuation of U.S. patent
application Ser. No. 16/887,548, filed May 29, 2020, the contents
of which is hereby incorporated by reference into the present
application in its entirety.
TECHNICAL FIELD
[0002] Aspects described herein generally relate to facilitating
and monitoring automatic teller machine (ATM) operations via
enhanced communication protocols.
BACKGROUND
[0003] ATM networks operated by banks provide various financial
services for customers (e.g., cash withdrawal, deposits, account
information, etc.). ATM monitoring servers monitor ATM operations
to identify issues and also facilitate cash refilling operations.
For example, an ATM monitoring server may determine that an ATM is
out of cash and alert an employee, who may then dispatch a cash
truck to the ATM. However, the ATMs do not have an ability to
dynamically control these operations, or deliver information
associated with these operations to an end-user.
SUMMARY
[0004] Aspects of the disclosure provide solutions that address and
overcome technical problems associated with ATM refilling
operations. In particular, one or more aspects of the disclosure
relate to providing user alerts and dynamically determining cash
truck routes for ATM refilling.
[0005] In accordance with one or more arrangements, an automatic
teller machine (ATM) refilling system may comprise a cash dispenser
office server and an internet of things (IOT)-enabled module,
associated with a cash truck. The cash dispenser office server may
comprise at least one first processor, a first communication
interface communicatively coupled to the at least one first
processor, and a first memory storing computer-readable
instructions that, when executed by the at least one first
processor, cause the cash dispenser office server to perform one or
more steps. For example, the cash dispenser office server may
receive, via the first communication interface, a refill
notification from an ATM, the refill notification comprising an
indicator associated with an ATM. The cash dispenser office server
may send, to the ATM, refill information comprising an indication
of a cash truck. The internet of things (IOT)-enabled module,
associated with the cash truck, may comprise at least one second
processor, a second communication interface communicatively coupled
to the at least one second processor, and a second memory storing
second computer-readable instructions that, when executed by the at
least one second processor, cause the IOT-enabled module to perform
one or more steps. For example, the IOT-enabled module may send,
via the second communication interface to the ATM, a message
comprising an indication of a location of the cash truck.
[0006] In some arrangements, the ATM may comprise at least one
third processor, a third communication interface communicatively
coupled to the at least one third processor, and a third memory
storing third computer-readable instructions that, when executed by
the at least one third processor, cause the ATM to perform one or
more steps. For example, the ATM may send, via the third
communication interface, a push notification to a mobile
device.
[0007] In some arrangements, the ATM may determine, based on the
indication of the real-time location of the cash truck, an
estimated time of arrival (ETA) of the cash truck. The push
notification may comprise the ETA of the cash truck.
[0008] In some arrangements, the mobile device may comprise at
least one fourth processor, a fourth communication interface
communicatively coupled to the at least one fourth processor, and a
fourth memory storing fourth computer-readable instructions that,
when executed by the at least one fourth processor, cause the
mobile device to perform one or more steps. For example, the mobile
device may send, via the fourth communication interface a beacon
signal comprising a mobile device indicator.
[0009] In some arrangements, the ATM may determine, based on the
beacon signal, that the mobile device is associated with an
authorized user of the ATM. In some arrangements, the ATM may send
the refill notification based on at least one selected from:
available cash at the ATM; available denominations at the ATM;
average cash withdrawal rate; average transaction rate at the ATM;
average number of users at the ATM; and combination thereof.
[0010] In some arrangements, the cash dispenser office server may
determine, based on the refill notification, a refill route for the
cash truck. The refill route may comprise the ATM and one or more
second ATMs. The cash dispenser office server may send, to the
IOT-enabled module, an indication of the refill route.
[0011] In some arrangements, the determining the refill route may
comprise modifying a default refill route, comprising the ATM and
the one or more second ATMs, to prioritize the ATM.
[0012] In some arrangements, the message may further comprise the
indication of the refill route. In some arrangements, the cash
dispenser office server may send an indication of cash value to be
delivered to the ATM. In some arrangements, the indication of the
cash truck may be an indication of the IOT-enabled module
associated with the cash truck.
[0013] In accordance with one or more arrangements, an internet of
things (IOT)-enabled module, associated with a cash truck, may
perform one or more steps. For example, the IOT-enabled module may
receive, from a first automatic teller machine (ATM), a refill
notification, wherein the refill notification may comprise an
indicator associated with the first ATM. The IOT-enabled module may
determine, based on the refill notification, a refill route for the
cash truck. The refill route may comprise the first ATM and one or
more second ATMs. The refill route may prioritize the first ATM.
The IOT-enabled module may send, to the first ATM, a message
comprising an indication of a location of the cash truck.
[0014] In some arrangements, the refill notification may comprise
an indication of the cash required at the first ATM. In some
arrangements, the message may comprise an indication of the refill
route.
[0015] In some arrangements, the IOT-enabled module may receive,
from one or more second ATMs, cash availability notification
messages. The IOT-enabled module may determine the refill route
based on the cash availability notification messages.
[0016] In some arrangements, a cash availability notification
message from an ATM of the one or more second ATMs may comprise at
least one selected from: available cash values at the ATM;
available denominations at the ATM; average cash withdrawal rate;
average transaction rate at the ATM; and combination thereof.
[0017] In some arrangements, the IOT-enabled module may determine,
based on the cash availability notification messages, respective
estimated times at which the ATMs will run out of cash. The
determining the refill route may comprise determining the refill
route based on the respective estimated times.
[0018] In some arrangements, the IOT-enabled module may determine,
based on the cash availability notification messages, available
cash values at the respective ATMs. The determining the refill
route may comprise determining the refill route based on the
respective available cash values.
[0019] In some arrangements, the determining the refill route may
comprise modifying a default refill route, comprising the first ATM
and the one or more second ATMs, to prioritize the first ATM.
[0020] In another embodiment in accordance with one or more
arrangements, an automatic teller machine ATM system with a
pre-staging mechanism may comprise a first ATM and a second ATM.
The first ATM may comprise at least one first processor, a first
communication interface communicatively coupled to the at least one
first processor, and a first memory storing computer-readable
instructions that, when executed by the at least one first
processor, cause the first ATM to perform one or more steps. For
example, the first ATM may send, via the first communication
interface to the second ATM, a first message indicating a request
for cash availability status at the second ATM. The first ATM may
receive, from the second ATM, a second message indicating a cash
availability status at the second ATM. The first ATM may send, to
the second ATM, a request to pre-stage a transaction at the second
ATM. The second ATM may comprise at least one second processor, a
second communication interface communicatively coupled to the at
least one second processor, and a second memory storing second
computer-readable instructions that, when executed by the at least
one second processor, cause the second ATM to perform one or more
steps. For example, the second ATM may pre-stage, based on
receiving the request, the transaction at the second ATM.
[0021] In some arrangements, the first ATM may determine a
requested cash value at the first ATM, wherein sending the first
message comprises determining that available cash value at the
first ATM is less than the requested cash value.
[0022] In some arrangements, the first message may comprise an
indication of the requested cash value.
[0023] In some arrangements, the pre-staging the transaction at the
second ATM may comprise reserving, at the second ATM, the requested
cash value.
[0024] In some arrangements, the second message may comprise an
indication that the second ATM contains cash corresponding to the
requested cash value.
[0025] In some arrangements, the system may further comprise a
mobile device comprising at least one third processor, a third
communication interface communicatively coupled to the at least one
third processor, and a third memory storing third computer-readable
instructions that, when executed by the at least one third
processor, cause the mobile device to perform one or more steps.
For example, the mobile device may send, via the third
communication interface a beacon signal comprising a mobile device
indicator. The first ATM may determine, based on the beacon signal,
that the mobile device is associated with an authorized user of the
ATM. The first ATM may then send, to the mobile device, a push
notification indicating the second ATM.
[0026] In some arrangements, the first ATM may send, via the first
communication interface to a third ATM, a third message indicating
a request for cash availability status at the third ATM. The first
ATM may receive, from the third ATM, a fourth message indicating a
cash availability status at the third ATM.
[0027] In some arrangements, the fourth message may comprise an
indication that the third ATM contains cash corresponding to the
requested cash value. Sending, by the first ATM, the request to
pre-stage the transaction at the second ATM may comprise
determining that the second ATM is located closer, than the third
ATM, to the first ATM.
[0028] In some arrangements, the first ATM may send, to an internet
of thing (IOT)-enabled module associated with a cash truck, a
refill notification. The refill notification may comprise an
indication of the first ATM. The first ATM may receive, from the
IOT-enabled module, a third message comprising an indication of a
location of the cash truck.
[0029] In some arrangements, the first ATM may determine, based on
the indication of the real-time location of the cash truck, an
estimated time of arrival (ETA) of the cash truck. The first ATM
may send, to a mobile device, a push notification indicating the
ETA of the cash truck.
BRIEF DESCRIPTION OF THE DRAWINGS
[0030] The present disclosure is illustrated by way of example and
not limited in the accompanying figures in which like reference
numerals indicate similar elements and in which:
[0031] FIG. 1 shows an illustrative event sequence for an ATM
refilling operation in a system comprising a plurality of ATMs, in
accordance with one or more example arrangements;
[0032] FIGS. 2A and 2B show an example of cash truck routing based
on refill notifications, in accordance with one or more example
arrangements;
[0033] FIGS. 3A and 3B show an example of cash truck routing based
on cash availabilities at ATMs, in accordance with one or more
example arrangements;
[0034] FIG. 4 shows an illustrative event sequence ATM pre-staging
an ATM transaction, in accordance with one or more example
arrangements;
[0035] FIG. 5A depicts an illustrative computing environment for an
ATM network, in accordance with one or more example
arrangements;
[0036] FIG. 5B shows an example IOT-enabled module, in accordance
with one or more example arrangements;
[0037] FIG. 5C shows an example cash dispenser office server, in
accordance with one or more example arrangements;
[0038] FIG. 6 shows an illustrative algorithm for tracking an ATM
refilling operation, in accordance with one or more example
arrangements;
[0039] FIG. 7 shows an illustrative algorithm for modifying an ATM
refilling operation, in accordance with one or more example
arrangements;
[0040] FIG. 8 shows an illustrative algorithm for pre-staging an
ATM transaction, in accordance with one or more example
arrangements; and
[0041] FIG. 9 shows an illustrative algorithm for pre-staging an
ATM transaction, in accordance with one or more example
arrangements.
DETAILED DESCRIPTION
[0042] In the following description of various illustrative
embodiments, reference is made to the accompanying drawings, which
form a part hereof, and in which is shown, by way of illustration,
various embodiments in which aspects of the disclosure may be
practiced. It is to be understood that other embodiments may be
utilized, and structural and functional modifications may be made,
without departing from the scope of the present disclosure.
[0043] It is noted that various connections between elements are
discussed in the following description. It is noted that these
connections are general and, unless specified otherwise, may be
direct or indirect, wired or wireless, and that the specification
is not intended to be limiting in this respect.
[0044] ATM networks operated by a bank may be connected to servers
(e.g., monitoring and control servers) for facilitating operations
and maintenance. A monitoring server may determine operational
status at the ATMs, determine faults, determine cash availability
status at an ATM, etc. A monitoring server may determine, for
example, if an ATM has run out of cash. Based on this
determination, a cash truck may be dispatched to refill the ATM.
However, a user intending to use the ATM, and the ATM itself, may
not be aware of when the ATM would return to operational status.
Further, the cash truck may service multiple ATMs and follow a
predetermined route without accounting for factors such as rate of
cash depletion at ATMs, transaction rates at ATMs, available cash
at ATMs, etc. This may result in inefficient refilling operations,
further increasing ATM downtimes.
[0045] An ATM refilling system with real-time updates is described.
The system may comprise a cash dispenser office server that may be
communicate with ATMs, in an ATM network, and cash trucks servicing
the ATMs. The cash dispenser office server may receive a refill
notification from an ATM. The refill notification may comprise, for
example, an ATM indicator associated with the ATM. The cash
dispenser office server may send, to the ATM, refill information
comprising an indication of a cash truck that would refill the ATM.
The cash truck may comprise an IOT-enabled module. The IOT-enabled
module may send, to the ATM, a message comprising an indication of
a real-time location of the cash truck and/or an expected time of
arrival (ETA) of the cash truck at a location of the ATM. The
real-time location may be the location of the cash truck at that
instance in the time or the location of the cash truck at an
appropriate amount of time in the past (e.g., thirty seconds, one
minutes, a couple minutes, or the like) The ATM may send a push
notification, to a mobile device associated with a user of the ATM,
comprising an indication of the ETA. A 5G cellular communication
protocol may be leveraged to provide a secure communication network
comprising the cash dispenser office server, the cash truck, and
the ATMs.
[0046] FIG. 1 shows an illustrative event sequence for an ATM
refilling operation in a system comprising a plurality of ATMs 104,
in accordance with one or more example arrangements. The ATMs 104
may be operated by a bank, a financial services provider, and/or
the like. The ATMs 104 may correspond to an ATM network associated
with a certain geographical region (e.g., a country, a state, a
county, a metropolitan region, a city, a locality, etc.).
[0047] At step 112, a mobile device 102 may send (e.g., transmit) a
beacon signal to an ATM 104-1. The mobile device 102 may be a
computing device such as a cellphone, a smartphone, or a tablet
computer, etc. An application associated with the bank may be
installed on the mobile device 102, and the application may
configure the mobile device 102 to transmit the beacon signal. The
beacon signal may be transmitted based on a location of the mobile
device 102. For example, the mobile device 102 may determine its
location (e.g., using a global navigation satellite system (GNSS)
module on the mobile device 102, cell tower triangulation
techniques, etc.), and determine if it is in the vicinity of any
one of the ATMs 104 (locations of which may be stored in a memory
of the mobile device 102). The mobile device 102 may transmit the
beacon signal based on determining that it is in a vicinity of the
ATM 104-1 (e.g., within a threshold distance of the ATM 104-1). In
another example, the mobile device 102 may transmit the beacon
signal in response to receiving another beacon signal transmitted
(e.g., periodically transmitted) by the ATM 104-1. The beacon
signal(s) may be near field communication (NFC) protocol signal(s),
BLUETOOTH signal(s), International Institution of Electrical and
Electronic Engineers (IEEE) 802.11 WIFI signal(s), or signal(s)
corresponding to any other wireless communication protocol.
[0048] The ATM 104-1 may authenticate the mobile device 102 (e.g.,
determine that a user of the mobile device 102 is a bank customer)
based on the beacon signal. For example, the beacon signal may
comprise a one-time pin (OTP) and the ATM 104-1 may authenticate
the OTP. The ATM 104-1 may communicate with an ATM monitoring
server 106 to authenticate the mobile device 102. The beacon signal
and/or the OTP may be configured by the application.
[0049] The user may request cash (e.g., corresponding to a cash
value) from the ATM 104-1, for example, using an ATM card, a credit
card, or the mobile device 102. The user may also request specific
cash denominations. The ATM 104-1 may check its cash drawers to
determine if there is sufficient cash and/or requested cash
denominations for the user. At step 113, the ATM 104-1 may send a
cash availability notification message to the ATM monitoring server
106. The cash availability notification message may be sent based
on determining that the ATM 104-1 does not have the requested cash
(e.g., the ATM 104-1 is out of cash, or has cash that is less than
the requested cash value) and/or the requested cash denominations
for the user. The cash availability notification message may be
sent based on determining that the ATM 104-1 is running low on cash
(e.g., available cash value at the ATM 104-1 is lower than a
threshold cash value). The cash availability notification message
may comprise an indication of the ATM 104-1 (e.g., an ATM
identifier, location, etc.). The cash availability notification
message may indicate, for the ATM 104-1, one or more of: required
cash value, required cash denominations, a time period within which
the cash is required, available cash value, available cash
denominations, average transaction rate, average cash withdrawal
rate, etc. The average transaction rate may be an average number of
transactions at the ATM 104-1 in a time interval (e.g., 10 minutes,
1 hour, 6 hours, or any other time interval, etc.). The average
cash withdrawal rate may be an average value of cash withdrawn in a
time interval.
[0050] The ATM monitoring server 106 may monitor operations of ATMs
104. The ATM monitoring server 106 may monitor the operations based
on received cash availability notification messages from the ATMs
104. For example, based on receiving the cash availability
notification message from the ATM 104-1, the ATM monitoring server
106 may determine that the ATM 104-1 has run out of cash to provide
to the user or is running low on cash (e.g., available cash value
at the ATM 104-1 is lower than a threshold). The ATM monitoring
server 106 may determine a cash dispenser office that is associated
with the ATM 104-1. The cash dispenser office may be responsible
for servicing the ATM 104-1 (and one or more other ATMs 104 in a
geographical area).
[0051] At step 114, the ATM monitoring server 106 may send one or
more refill notifications to a cash dispenser office server 108
associated with the cash dispenser office. The refill notifications
may indicate the ATM 104-1 (and one or more other ATMs 104) that
require cash. The refill notifications may indicate one or more of:
ATMs 104 to which cash is to be delivered, required cash value/cash
denominations to be delivered, times within which the cash is to be
delivered, etc. The refill notifications may comprise other
information included in the cash availability notification messages
(e.g., available cash value, available cash denominations, average
transaction rates, average cash withdrawal rates, etc.).
[0052] In an example, the ATM 104-1 may directly communicate with
the cash dispenser office server 108 and send a refill notification
to the cash dispenser office server 108. For example, the ATM 104-1
may send the refill notification based on determining that the ATM
104-1 does not have the requested cash and/or cash denominations
for the user, or is running low on cash (e.g., available cash value
at the ATM 104-1 is lower than a threshold). The ATM 104-1 may send
the refill notification based on average cash withdrawal rate,
average transaction rate, average number of users at the ATM 104-1,
etc. For example, the ATM 104-1 may send the refill notification if
the average cash withdrawal rate is greater than a threshold, the
average transaction rate is greater than a threshold, and/or an
average number of users at the ATM 104-1 is greater than the
threshold. The ATM 104-1 may determine the average number of users
at the ATM 104-1 based on a video/images from a camera at a
location of the ATM 104-1.
[0053] At step 116, the cash dispenser office server 108 may
determine an ATM refill route to be used by a cash truck 110 for
cash delivery to the ATMs 104. The refill route may comprise
indications of ATMs 104 to be served by the cash truck and/or
locations of the ATMs 104. The refill route may be based on the one
or more refill notifications received from the ATM monitoring
server 106 and/or the ATMs 104. The refill route may prioritize
ATMs that have already run out of cash, are running low on cash,
and/or are busier (e.g., have higher transaction rates, higher cash
withdrawal rates). Determining a refill route may comprise
modifying a pre-determined route to prioritize the ATMs. With
reference to the above example, the cash dispenser office server
108 may prioritize the ATM 104-1 in a refill route based on the
refill notification sent by the ATM 104-1 and/or the ATM monitoring
server 106.
[0054] The cash dispenser office server 108 may further determine,
based on the one or more refill notifications, values of cash
and/or cash denominations to be delivered to the ATMs 104. The cash
dispenser office server 108 may dynamically adjust the values of
cash and/or cash denominations based on available cash values,
available cash denominations, average transaction rates and/or
average cash withdrawal rates at the ATMs 104. For example, a value
of cash to be delivered may be proportional to an average
transaction rate and/or average cash withdrawal rate. As another
example, a value of cash to be delivered may be inversely
proportional to an available cash value at an ATM. As another
example, the cash dispenser office server 108 may determine that a
particular cash denomination is to be delivered based on
determining that an ATM has run out of cash corresponding to the
cash denomination or a number of banknotes corresponding to the
cash denomination is lower than a threshold.
[0055] At step 118, the cash dispenser office server 108 may send
to, the cash truck 110 (e.g., to an internet-of-things
(IOT)-enabled module 111 in the cash truck 110), an indication of
the ATM refill route. The cash dispenser office server 108 may
further send indications of cash values and/or cash denominations
to be delivered to the ATMs 104.
[0056] At step 120, the cash dispenser office server 108 may send,
to the ATMs 104, refill information. The refill information may
comprise an indication of the cash truck 110 (e.g., an indication
of the IOT-enabled module 111) servicing the ATMs 104 and/or an
indication of the refill route of the cash truck 110. The ATMs 104
may use the indication to communicate with the cash truck 110. If
the cash truck 110 has not yet departed the cash dispenser office,
the refill information may further comprise an indication of an
estimated time of departure of the cash truck 110.
[0057] One or more operations described above with reference to the
cash dispenser office server 108 may be performed by the
IOT-enabled module 111. In an example, the IOT-enabled module 111
of the cash truck 110 may determine the refill route. For example,
the cash dispenser office server 108 may send to, the cash truck
110, an indication of the ATM 104-1 which has run out of cash
and/or does not have requested cash denominations. The IOT-enabled
module 111 may determine, based on the indication of the ATM 104-1,
an ATM refill route to be used by the cash truck 110 for cash
delivery to the ATM 104-1. The IOT-enabled module 111 may determine
a route that prioritizes ATM 104-1.
[0058] In an example, the ATM 104-1 may directly communicate with
the cash truck 110 and send a refill notification to the cash truck
110. The cash truck 110 may be associated with the ATM 104-1 and
the ATM 104-1 may send the refill notification based on the
association. The ATM 104-1 may broadcast the refill notification to
all cash trucks corresponding to the bank, and the cash truck 110
(e.g., the IOT-enabled module 111) may determine to service the ATM
104-1 based on the association between the cash truck 110 and the
ATM 104-1. The IOT-enabled module 111 may determine an ATM refill
route to be used by the cash truck 110 for cash delivery to the ATM
104-1, a value of cash to be delivered, cash denominations to be
delivered, etc. The IOT-enabled module 111 may determine a route
that prioritizes ATM 104-1 based on receiving the refill
notification from the ATM 104-1.
[0059] At step 122, the IOT-enabled module 111 may broadcast, to
the ATMs 104, the location of the cash truck 110 and/or the refill
route of the cash truck 110. The location may be determined using a
GNSS module (e.g., integrated on the IOT-enabled module 111 or in
communication with the IOT-enabled module 111), cell tower
triangulation techniques, etc. The IOT-enabled module 111 may send
the indication of the location of the cash truck and/or the refill
route of the cash truck to the cash dispenser office server 108.
The cash dispenser office server 108 may use this information to
monitor ATM refilling operations.
[0060] The ATMs 104 may use the location information to determine
an ETA of the cash truck at the ATMs 104. For example, at step 124,
the ATM 104-1 may (i) determine, based on the indication of the
cash truck 110 in the refill information, that the cash truck 110
is for refilling the ATM 104-1, and/or (ii) use the broadcast
location of the cash truck 110 and/or the refill route of the cash
truck 110 to determine an estimated ETA of the cash truck 110 at
the ATM 104-1. If the cash truck 110 has not yet departed the cash
dispenser office, the ATM 104-1 may further use the estimated time
of departure (e.g., as included in the refill information) of the
cash truck 110 to determine the ETA.
[0061] At step 126, the ATM 104-1 may send a notification (e.g., a
push notification, an SMS notification, etc.) to the mobile device
102. The notification may be sent to the mobile device 102 based on
receiving the beacon signal from the mobile device 102 and based on
determining that the mobile device 102 is associated with the user
who requested cash from the ATM 104-1. The notification may
comprise one or more of an indication of the ETA of the cash truck
110, an indication of a location of the cash truck 110, an
indication of a time at which the ATM 104-1 will be operational,
etc. Additionally, or alternatively, the ATM 104-1 may print this
information on a receipt that is dispensed to the user.
[0062] The ATM monitoring server 106, the cash dispenser office
server 108, and/or the IOT-enabled module 111 may be configured to
access camera feeds from locations housing the ATMs 104. The camera
feeds may be used to determine a level of activity at the ATMs
(e.g., a number of people accessing the ATMs 104, queue lengths at
the ATMs 104, etc.). The ATM refill route may be determined based
on the determined level of activity. For example, the ATM refill
route may prioritize an ATM with a higher level of activity (e.g.,
longer queue length).
[0063] One or more of the cash availability notification messages,
the refill notifications, and/or other messages as described in the
illustrative event sequence of FIG. 1 may be transmitted and
received using a 5G communication protocol over wireless networks.
Communications between the mobile device 102, the ATMs 104, the ATM
monitoring server 106, the cash dispenser office server 108, and
the IOT-enabled module 111 may be secured via encryption using
private keys. For example, the IOT-enabled module 111 may broadcast
messages (e.g., indicating the location of the cash truck 110) that
are encrypted using private keys, and the ATMs 104 may decrypt the
broadcast messages based on the private keys to determine the
location.
[0064] FIGS. 2A and 2B show an example of cash truck routing based
on refill notifications, in accordance with one or more example
arrangements. The cash truck 110 may be configured with a refill
route 204 for servicing the ATMs 104. The refill route 204 may be a
route connecting, in order, the ATM 104-1, the ATM 104-2, the ATM
104-3, and the ATM 104-4. The ATM 104-4 may send a refill
notification 202 to the IOT-enabled module 111 associated with the
cash truck 110. The ATM 104-4 may send the refill notification 202
based on determining that the ATM 104-1 does not have requested
cash and/or requested cash denominations for the user, or is
running low on cash (e.g., available cash value is lower than a
threshold). The IOT-enabled module 111 may determine a new refill
route 206 based on receiving the refill notification 202. The
IOT-enabled module 111 may prioritize the ATM 104-4 (e.g., move the
ATM 104-4 higher in an order of ATMs comprising a refill route). As
shown in FIG. 2B, the new refill route 206 may be a route
connecting, in order, the ATM 104-4, the ATM 104-1, the ATM 104-2,
and the ATM 104-3.
[0065] FIGS. 3A and 3B show an example of cash truck routing based
on cash availabilities at the ATMs 104, in accordance with one or
more example arrangements. The cash truck 110 may be configured
with a refill route 304 for servicing the ATMs 104. The ATMs 104
may transmit, to the IOT-enabled module 111, cash availability
notification messages 306. The ATMs 104 may transmit the cash
availability messages 306 periodically, or in response to request
messages from the IOT-enabled module 111. The cash availability
notification messages may comprise information associated with
usage of the ATMs 104 (e.g., average transaction rate, average cash
withdrawal rate, available cash value/cash denominations, etc.).
The IOT-enabled module 111 may track, based on the cash
availability notification messages 306, available cash supply at
the ATMs 104 and determine a refill route connecting the ATMs 104
in an order corresponding to increasing available cash supplies.
For example, based on the cash availability notification messages
306, the IOT enabled module may determine that available cash at
ATM 104-4 is the lowest among the ATMs and available cash at ATM
104-3 is the highest. The IOT-enabled module 111 may prioritize the
ATM 104-4 in a refill route 308 (e.g., move the ATM 104-4 to a
first destination in the refill route 308) based on determining
that cash value at the ATM 104-4 is the lowest. The ATM 104-3 may
be a last ATM in the refill route 308 based on the available cash
at the ATM 104-3 being the highest.
[0066] The IOT-enabled module 111 may determine a refill route
based on estimated times at which ATMs may run out of cash. The
IOT-enabled module 111 may determine estimated times for each of
the ATMs 104 based on available cash at the ATMs 104 and an average
cash withdrawal rate at the ATMs 104. The IOT-enabled module 111
may determine a refill route that prioritizes ATMs which may run
out of cash earlier. For example, the IOT-enabled module 111 may
determine that the ATM 104-1, the ATM 104-2, the ATM 104-3, and the
ATM 104-4 may run out of cash in 3 hours, 2 hours, 4 hours, and 1
hours, respectively. Based on this, the IOT-enabled module 111 may
determine the ATM refill route 308 that connects, in order, the ATM
104-4, the ATM 104-2, the ATM 104-1, and the ATM 104-3.
[0067] The IOT-enabled module 111 may track levels of activity at
the ATMs 104 and prioritize the ATM 104-4 based on determining that
the ATM 104-4 has higher activity levels than other ATMs in the
refill route 204. The IOT-enabled module 111 may track activity
levels at the ATMs 104 using cameras, information indicated in cash
availability notification messages (e.g., average transaction rate,
average cash withdrawal rate), etc.
[0068] An ATM in an ATM network may pre-stage a transaction at
another ATM. For example, the ATM may pre-stage a cash withdrawal
at a different ATM based on determining that the ATM is unable to
service a requested transaction (e.g., the ATM does not have
sufficient cash). The ATM may send a notification, to a user mobile
device, that indicates alternate ATMs that may be able to service a
transaction (e.g., a user request for cash).
[0069] FIG. 4 shows an illustrative event sequence for pre-staging
an ATM transaction, in accordance with one or more example
arrangements. At step 412, the mobile device 102 may send (e.g.,
transmit) a beacon signal to the ATM 104-1. The beacon signal may
be similar to the beacon signal described above with reference to
FIG. 1. The ATM 104-1 may authenticate the mobile device 102 (e.g.,
determine that a user of the mobile device 102 is a bank customer)
based on the beacon signal. For example, the beacon signal may
comprise a one-time pin (OTP) and the ATM 104-1 may the ATM 104-1
may authenticate the OTP. The ATM 104-1 may communicate with an ATM
monitoring server 106 to authenticate the mobile device 102.
[0070] At step 414, the ATM 414 may check for cash availability at
the ATM 104-1. The user may request cash (e.g., corresponding to a
cash value) from the ATM 104, for example, using an ATM card, a
credit card, or the mobile device 102. The user may also request
specific cash denominations. The ATM 104-1 may check the cash
drawer to determine if there is sufficient cash and/or requested
cash denominations for fulfilling the user request.
[0071] At step 416, the ATM 104-1 may send, to other ATMs 104,
respective request messages for requesting cash availability
statuses at the other ATMs 104. The ATM 104-1 may send the requests
to other ATMs in the vicinity of the ATM 104-1 and/or may send a
request to the ATM monitoring server 106. The requests may be sent
based on determining, at the ATM 104-1, that the ATM 104-1 does not
have the requested cash (e.g., available cash value at the ATM
104-1 is less than a requested cash value) and/or the requested
cash denominations for the user. The request messages may comprise
indications of the requested cash value and/or the requested cash
denominations.
[0072] At step 418, the ATMs 104 may send, responsive to the
request messages, respective cash availability status messages to
the ATM 104-1. A cash respective availability status message
corresponding to an ATM may comprise indications of available cash
value at the ATM, available cash denominations at the ATM, etc. A
cash availability status message corresponding to an ATM may
comprise an indication of whether the ATM has the requested cash
and/or the requested cash denominations. Additionally, or
alternatively, the ATM monitoring server 106 may send one or more
cash availability status messages to the ATM 104-1, wherein the one
or more cash availability status messages comprise one or more of:
an indication of available cash at the ATM, an indication of
available cash denominations at the ATM, indications of ATMs in the
ATM network that have the requested cash and/or cash denominations,
etc.
[0073] At step 420, the ATM 104-1 may send a pre-stage request
message to the ATM 104-N. The ATM 104-1 may send the pre-stage
request message to the ATM 104-N based on determining that the ATM
104-N has the requested cash and/or the requested cash
denominations for the user. The ATM 104-N may be a nearest ATM to
the ATM 104-1 with the requested cash and/or requested cash
denominations. The pre-stage request may indicate a request for the
ATM 104-N to reserve the requested cash and/or the requested cash
denominations for the user. The pre-stage request may comprise an
indication of the user (e.g., an account associated with the user,
a debit card number associated with the user, a credit card number
associated with the user, etc.), an indication of requested cash
value, and/or an indication of requested cash denominations.
[0074] At step 422, the ATM 104-N may pre-stage a transaction based
on receiving the pre-stage request. For example, the ATM 104-N may
reserve (e.g., for a pre-defined time period) the requested cash
and/or cash denominations for the user. At step 424, the ATM 104-N
may send, to the ATM 104-1, an acknowledgment message indicating
that the ATM 104-N has pre-staged the transaction for the user. The
acknowledgment message may indicate a time period for which the ATM
104-N has reserved the cash.
[0075] At step 426, the ATM 104-1 may send, to the mobile device
102, a notification indicating that the ATM 104-N has pre-staged
the transaction. The notification may comprise (e.g., a push
notification, an SMS notification, etc.) location information
corresponding to the ATM 104-N. The notification may comprise an
indication of a time period for which the requested cash/cash
denominations will be reserved at the ATM 104-N. The notification
may comprise an indication of a time until which the requested
cash/cash denominations will be reserved at the ATM 104-N.
Additionally, or alternatively, the ATM 104-1 may print this
information on a receipt that is dispensed to the user.
[0076] The illustrative event sequence of FIG. 4 may also be used
for other ATM operations. For example, a user may want to deposit
cash, deposit checks, and/or check account balances at an ATM. If
the ATM is unable to perform an operation (e.g., due to technical
issues), it may query nearby ATMs to determine if the operation is
functional at the nearby ATMs. In an example where a user wants to
deposit a check and the ATM 104-1 is unable to perform this
operation, the ATM 104-1 may send a request, to another ATM 104-N
in proximity to the ATM 104-1, for status of a check deposit system
at the ATM 104-N. The other ATM 104-N may respond with a message
indicating whether the check deposit system at the ATM 104-N is
functional or not. If the message indicates that the check deposit
system is functional at the ATM 104-N, the ATM 104-1 may send a
notification, to the mobile device 102, indicating the ATM 104-N
(e.g., a location of the ATM 104-N).
[0077] FIG. 5A depicts an illustrative computing environment 500
for an ATM network, in accordance with one or more arrangements.
The computing environment 500 may comprise one or more devices
(e.g., computer systems, communication devices, etc.). The
computing environment 500 may comprise, for example, the mobile
device 102, the ATMs 104, the ATM monitoring server 106, the cash
dispenser office server 108, the IOT enabled module 111 (in the
cash truck 110), and/or the like. One or more of the devices and/or
systems, may be linked over a secure private communication network
504. The communication network 504 may use wired and/or wireless
communication protocols. For example, the ATMs 104 and the cash
truck 110 may communicate using a 5G cellular communication
protocol; the ATMs 104, the cash dispenser office server 108, the
ATM monitoring server 106 may communicate via transmission control
protocol/internet protocol (TCP/IP); and the ATM 104-1 and the
mobile device 102 may communicate via a WIFI protocol, an NFC
protocol, or a 5G cellular communication protocol. In one example,
objects (e.g., ATM 104-1, ATM monitoring server 106, cash dispenser
office server 108, cash truck 110) on the communication network 504
are connected via a mesh network in which objects may communicate
directly with each other. In other examples, objects may be
connected in a modified hub-spoke network configuration in which
some objects may communicate with a centralized/regional server
(e.g., cash dispenser office server 108) that relays
messages/requests to appropriate recipient objects. In such an
example, a first ATM 104-1 communicates directly over the
communication network 504 with a second ATM 104-2 within its
vicinity, but the first ATM 104-1 communicates through a
centralized/regional server (e.g., cash dispenser office server
108) to interact with a third ATM 104-3, which is located at an
unreachable distance from the first ATM. The communication
network's topography may be dynamic in some examples where objects
on the network, such as a cash truck 110, might not have a
fixed/static position, therefore, may be in the vicinity of an ATM
104-1 at one point in time, but at an unreachable distance from the
ATM 104-1 at a later time.
[0078] The ATM monitoring server 106 may comprise one or more
computing devices and/or other computer components (e.g.,
processors, memories, communication interfaces). The ATM monitoring
server 106 may be used for monitoring and authenticating ATM
operations. For example, the ATM monitoring server 106 may
authenticate an ATM card of a user, check user account balances,
and/or authorize a user transaction at an ATM. The ATM monitoring
server 106 may also monitor the ATM network for any errors in
operation of the ATMs, monitor cash availabilities at the ATMs
(e.g., via cash availability notification messages from the ATMs,
monitor ATM usage (e.g., average transaction rates, average cash
withdrawal rates), etc.
[0079] FIG. 5B shows an example IOT-enabled module 111 in
accordance with one or more examples described herein. The
IOT-enabled module 111 may comprise one or more of host
processor(s) 510, medium transaction control (MAC) processor(s)
512, physical layer (PHY) processor(s) 514, transmit/receive
(TX/RX) module(s) 516, memory 518, GNSS module 520, and/or the
like. One or more data buses may interconnect host processor(s)
510, MAC processor(s) 512, PHY processor(s) 514, Tx/Rx module(s)
516, memory 518, and/or the GNSS module 520. The IOT-enabled module
111 may be implemented using one or more integrated circuits (ICs),
software, or a combination thereof, configured to operate as
discussed below. The host processor(s) 510, the MAC processor(s)
512, and the PHY processor(s) 514 may be implemented, at least
partially, on a single IC or multiple ICs. Memory 518 may be any
memory such as a random-access memory (RAM), a read-only memory
(ROM), a flash memory, or any other electronically readable memory,
or the like. The GNSS module 520 may be a global positioning system
(GPS) module, a global navigation satellite system (GLONASS)
module, or an equivalent. The GNSS module 520 may be configured to
determine GNSS coordinates associated with a location of the
IOT-enabled module 111.
[0080] Messages transmitted from and received at devices in the
computing environment 500 may be encoded in one or more MAC data
units and/or PHY data units. For example, the MAC processor(s) 512
and/or the PHY processor(s) 514 of the IOT-enabled module 111 are
configured to generate data units, and process received data units,
that conform to any suitable wired and/or wireless communication
protocol. For example, the MAC processor(s) 512 may be configured
to implement MAC layer functions, and the PHY processor(s) 514 may
be configured to implement PHY layer functions corresponding to the
communication protocol. The MAC processor(s) 512 may, for example,
generate MAC data units (e.g., MAC protocol data units (MPDUs)),
and forward the MAC data units to the PHY processor(s) 514. The PHY
processor(s) 514 may, for example, generate PHY data units (e.g.,
PHY protocol data units (PPDUs)) based on the MAC data units. The
generated PHY data units may be transmitted via the TX/RX module(s)
516 over the communication network 504. Similarly, the PHY
processor(s) 514 may receive PHY data units from the TX/RX
module(s) 516, extract MAC data units encapsulated within the PHY
data units, and forward the extracted MAC data units to the MAC
processor(s). The MAC processor(s) 512 may then process the MAC
data units as forwarded by the PHY processor(s) 514.
[0081] One or more processors (e.g., the host processor(s) 510, the
MAC processor(s) 512, the PHY processor(s) 514, and/or the like) of
the IOT-enabled module 111 may be configured to execute machine
readable instructions stored in memory 518. The memory 518 may
comprise (i) one or more program modules/engines having
instructions that when executed by the one or more processors cause
the IOT-enabled module 111 to perform one or more functions
described herein and/or (ii) one or more databases that may store
and/or otherwise maintain information which may be used by the one
or more program modules/engines and/or the one or more processors.
The one or more program modules/engines and/or databases may be
stored by and/or maintained in different memory units of the
IOT-enabled module 111 and/or by different computing devices that
may form and/or otherwise make up the IOT-enabled module 111. For
example, memory 518 may have, store, and/or comprise a refill route
optimizing engine 518-1, and an ATM cash availability database
518-2. The refill route optimizing engine 518-1 may have
instructions that direct and/or cause the IOT-enabled module 111 to
perform one or more operations as discussed herein (e.g.,
determining an ATM refill route, sending cash truck location
information, determining cash value/denominations to be delivered
etc.). The ATM cash availability database 518-2 may store
information associated with cash availability at the ATMs 104,
information associated with received refill notifications from the
ATMs 104, etc. For example, the cash availability database 518-2
may store, for each ATM 104, information corresponding to an
average transaction rate, an average cash withdrawal rate,
available cash value/cash denominations at the ATM, a queue length
at the ATM, required cash value, required cash denominations, a
time period within which cash is required, available cash value,
etc. The cash availability database 518-2 may be populated/updated
based on cash availability notifications and/or refill
notifications sent by the ATMs 104.
[0082] FIG. 5C shows an example cash dispenser office server 108 in
accordance with one or more examples described herein. The cash
dispenser office server 108 may comprise one or more of host
processor(s) 550, medium transaction control (MAC) processor(s)
552, physical layer (PHY) processor(s) 554, transmit/receive
(TX/RX) module(s) 556, memory 558, and/or the like. One or more
data buses may interconnect host processor(s) 550, MAC processor(s)
552, PHY processor(s) 554, Tx/Rx module(s) 556, and/or memory 558.
The cash dispenser office server 108 may be implemented using one
or more integrated circuits (ICs), software, or a combination
thereof, configured to operate as discussed below. The host
processor(s) 550, the MAC processor(s) 552, and the PHY
processor(s) 554 may be implemented, at least partially, on a
single IC or multiple ICs. Memory 558 may be any memory such as a
random-access memory (RAM), a read-only memory (ROM), a flash
memory, or any other electronically readable memory, or the like.
The MAC processor(s) 552, the PHY processors 554, and the Tx/Rx
module(s) 556 may transmit, receive and/or process PPDUs and MPDUs
in a manner similar to described above with reference to the MAC
processor(s) 512, the PHY processors 514, and the Tx/Rx module(s)
516.
[0083] One or more processors (e.g., the host processor(s) 550, the
MAC processor(s) 552, the PHY processor(s) 554, and/or the like) of
the cash dispenser office server 108 may be configured to execute
machine readable instructions stored in memory 558. The memory 558
may comprise (i) one or more program modules/engines having
instructions that when executed by the one or more processors cause
the cash dispenser office server 108 to perform one or more
functions described herein and/or (ii) one or more databases that
may store and/or otherwise maintain information which may be used
by the one or more program modules/engines and/or the one or more
processors. The one or more program modules/engines and/or
databases may be stored by and/or maintained in different memory
units of the cash dispenser office server 108 and/or by different
computing devices that may form and/or otherwise make up the cash
dispenser office server 108. For example, memory 558 may have,
store, and/or comprise a refill route optimizing engine 558-1, and
an ATM cash availability database 558-2. The refill route
optimizing engine 558-1 may have instructions that direct and/or
cause the cash dispenser office server 108 to perform one or more
operations as discussed herein (e.g., receiving refill
notifications, determining an ATM refill route, etc.). The ATM cash
availability database 558-2 may store information associated with
cash availability at the ATMs 104, information associated with
received refill notifications, etc. For example, the cash
availability database 558-2 may store, for each ATM 104,
information corresponding to an average transaction rate, an
average cash withdrawal rate, available cash value/cash
denominations at the ATM, a queue length at the ATM, required cash
value, required cash denominations, a time period within which the
cash is required, available cash, etc. The cash availability
database 558-2 may be populated/updated based on cash availability
notifications and/or refill notifications sent by the ATMs 104.
[0084] While FIG. 5A illustrates the cash dispenser office server
108 as being separate from other elements connected in
communication network 504, in one or more other arrangements, the
cash dispenser office server 108 may be included in the ATM
monitoring server 106. Elements in the cash dispenser office server
108 (e.g., the host processor(s) 550, the memory(s) 558, the MAC
processor(s) 552, the PHY processor(s) 554, and the TX/RX module(s)
556, one or more program modules stored in the memory(s) 558) may
share hardware and software elements with and corresponding to, for
example, the ATM monitoring server 106.
[0085] FIG. 6 shows an illustrative algorithm for tracking an ATM
refilling operation, in accordance with one or more example
arrangements. At step 602, an ATM may receive, from a mobile
device, a beacon signal. The ATM may authenticate the beacon signal
and determine that the mobile device is associated with an
authorized user of the ATM. The user may use an ATM card or the
mobile device to request cash from the ATM. The ATM (and/or an ATM
monitoring server connected to the ATM) may determine whether the
user has a valid balance in a bank account associated with the
user.
[0086] At step 604, the ATM may determine whether it has the cash
and/or cash denominations as may be requested by the user. For
example, the ATM may check the cash drawers to determine whether
the user request for cash can be fulfilled. At step 614, the ATM
may dispense the requested cash if the ATM has the requested cash
and/or cash denominations.
[0087] If the ATM determines that it does not have the requested
cash and/or cash denominations, at step 606, the ATM may send a
refill notification. The ATM may send a refill notification to a
cash truck (e.g., an IOT module associated with a cash truck)
and/or a server associated with an ATM network (e.g., the ATM
monitoring server, a cash dispenser office server, etc.). The
refill notification may comprise one or more of an indication of
the ATM, an indication of requested cash value, an indication of
the requested cash denominations, an indication of a time within
which the cash is required at the ATM, etc.
[0088] At step 608, the ATM may receive, from the cash truck and/or
the server, refill information. The refill information may comprise
one or more of an indicator of the cash truck, a current location
of the cash truck (e.g., GPS coordinates of the cash truck, etc.),
a refill route associated with the cash truck, etc.
[0089] At step 610, the ATM may determine, based on the refill
information, an ETA of the cash truck at the ATM. Determining the
ETA may comprise determining a current location of the cash truck
and a number of other ATMs that the cash truck is servicing prior
to arriving at the ATM. The ATM may further consider an average
time required to service (e.g., time required to refill) an
ATM.
[0090] At step 612, the ATM may send, to the wireless device, a
notification (e.g., a push notification). The notification may
comprise indications of one or both of the ETA of the cash truck
and the current location of the cash truck.
[0091] FIG. 7 shows an illustrative algorithm for modifying an ATM
refilling operation, in accordance with one or more example
arrangements. At step 702, a computing device (e.g., a cash
dispenser office server or an IOT-enabled module associated with a
cash truck) may receive a refill notification from an ATM.
[0092] At step 704, the computing device may determine whether the
ATM is in a refill route associated with a cash truck. If the ATM
is in a refill route associated with the cash truck, at step 706,
the computing device may prioritize the ATM (e.g., move the ATM
higher in an order of ATMs corresponding to the ATM refill route).
If the ATM is not in a refill route associated with the cash truck,
at step 708, the computing device may add the ATM to the refill
route. For example, the computing device may move the ATM higher in
a list of ATMs associated with the refill route. The computing
device may determine an ETA of the cash truck at the ATM. At step
710, the computing device may send refill information to the ATM.
The refill information may comprise an indication of the refill
route and/or an ETA of the cash truck.
[0093] FIG. 8 shows an illustrative algorithm for pre-staging an
ATM transaction, in accordance with one or more example
embodiments. At step 802, an ATM may receive, from a mobile device,
a beacon. The ATM may authenticate the beacon signal and determine
that the mobile device is associated with an authorized user of the
ATM.
[0094] At step 804, the user may request cash from the ATM. For
example, the user may use an ATM card or the mobile device to
request cash from the ATM. The ATM (and/or an ATM monitoring server
connected to the ATM) may determine whether the user has a valid
balance in a bank account associated with the user.
[0095] At step 806, the ATM may determine whether it has the cash
and/or cash denominations as may be requested by the user. For
example, the ATM may check the cash drawers to determine whether
the user request for cash can be fulfilled. At step 818, the ATM
may dispense the requested cash if the ATM has the requested cash
and/or cash denominations.
[0096] If the ATM does not have the requested cash and/or cash
denominations, at step 808, the ATM may send requests for cash
availability status to other ATMs in an ATM network. The other ATMs
may be in a proximity (e.g., within a specified radius) of the ATM.
The requests for cash availability status may comprise indications
of requested cash value and/or requested cash denominations.
[0097] At step 810, the ATM may receive, from a second ATM and in
response to a request for cash availability status, a message
indicating a cash availability status at the second ATM. The
message may indicate, for example, whether the second ATM has the
requested cash and/or cash denominations, available cash value
and/or cash denominations at the second ATM, etc.
[0098] At step 812, the ATM may determine, based on the received
message from the second ATM, whether the second ATM has the
requested cash and/or cash denominations. If the second ATM (and/or
other ATMs in the ATM network) does not have the requested cash
and/or cash denominations, at step 820, the ATM may send (e.g., to
a cash truck and/or to a server) a refill notification (e.g., a
refill notification as described above with reference to FIG. 1,
2A, or 6).
[0099] If the second ATM (and/or other ATMs in the ATM network) has
the requested cash and/or cash denominations, the ATM may send, at
step 814, to the second ATM, a request to pre-stage a transaction
(e.g., a cash withdrawal transaction) at the second ATM. The
request to pre-stage may comprise, for example, an indication of
the requested cash value and/or cash denominations. The ATM may
also send (e.g., to a cash truck and/or to a server) a refill
notification. At step 816, the ATM may send, to the mobile device,
a notification indicating a location of the second ATM.
[0100] FIG. 9 shows an illustrative algorithm for pre-staging an
ATM transaction, in accordance with one or more example
embodiments. At step 902, an ATM may receive, from a second ATM, a
request for cash availability status. The request may comprise an
indication of requested cash value and/or cash denominations.
[0101] At step 904, the ATM may determine whether it has the
requested cash and/or cash denominations. For example, the ATM may
check the cash drawers to determine whether it has the requested
cash and/or cash denominations. At step 906, the ATM may send, to
the second ATM, a message indicating a cash availability status at
the second ATM if the ATM has the requested cash and/or cash
denominations. The message may comprise an indication that the ATM
has the requested cash and/or cash denominations.
[0102] At step 908, the ATM may receive, from the second ATM, a
request to pre-stage a transaction (e.g., a cash withdrawal
transaction). The request may comprise an indication of the
requested cash value and/or cash denominations. Based on the
request, the ATM may reserve the requested cash and/or cash
denominations for a user.
[0103] One or more aspects of the disclosure may be embodied in
computer-usable data or computer-executable instructions, such as
in one or more program modules, executed by one or more computers
or other devices to perform the operations described herein.
Generally, program modules include routines, programs, objects,
components, data structures, and the like that perform particular
tasks or implement particular abstract data types when executed by
one or more processors in a computer or other data processing
device. The computer-executable instructions may be stored as
computer-readable instructions on a computer-readable medium such
as a hard disk, optical disk, removable storage media, solid-state
memory, RAM, and the like. The functionality of the program modules
may be combined or distributed as desired in various embodiments.
In addition, the functionality may be embodied in whole or in part
in firmware or hardware equivalents, such as integrated circuits,
application-specific integrated circuits (ASICs), field
programmable gate arrays (FPGA), and the like. Particular data
structures may be used to more effectively implement one or more
aspects of the disclosure, and such data structures are
contemplated to be within the scope of computer executable
instructions and computer-usable data described herein.
[0104] Various aspects described herein may be embodied as a
method, an apparatus, or as one or more computer-readable media
storing computer-executable instructions. Accordingly, those
aspects may take the form of an entirely hardware embodiment, an
entirely software embodiment, an entirely firmware embodiment, or
an embodiment combining software, hardware, and firmware aspects in
any combination. In addition, various signals representing data or
events as described herein may be transferred between a source and
a destination in the form of light or electromagnetic waves
traveling through signal-conducting media such as metal wires,
optical fibers, or wireless transmission media (e.g., air or
space). In general, the one or more computer-readable media may be
and/or include one or more non-transitory computer-readable
media.
[0105] As described herein, the various methods and acts may be
operative across one or more computing servers and one or more
networks. The functionality may be distributed in any manner, or
may be located in a single computing device (e.g., a server, a
client computer, and the like). For example, in alternative
embodiments, one or more of the computing platforms discussed above
may be combined into a single computing platform, and the various
functions of each computing platform may be performed by the single
computing platform. In such arrangements, any and/or all of the
above-discussed communications between computing platforms may
correspond to data being accessed, moved, modified, updated, and/or
otherwise used by the single computing platform. Additionally, or
alternatively, one or more of the computing platforms discussed
above may be implemented in one or more virtual machines that are
provided by one or more physical computing devices. In such
arrangements, the various functions of each computing platform may
be performed by the one or more virtual machines, and any and/or
all of the above-discussed communications between computing
platforms may correspond to data being accessed, moved, modified,
updated, and/or otherwise used by the one or more virtual
machines.
[0106] Aspects of the disclosure have been described in terms of
illustrative embodiments thereof. Numerous other embodiments,
modifications, and variations within the scope and spirit of the
appended claims will occur to persons of ordinary skill in the art
from a review of this disclosure. For example, one or more of the
steps depicted in the illustrative figures may be performed in
other than the recited order, and one or more depicted steps may be
optional in accordance with aspects of the disclosure.
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