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.

I/We claim: 
     
         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.