Granted Patent B1

US 12,430,994 · App. 18/791,636 · Granted Sep 30, 2025

Inventors: Jagadeesh Ganaparthi (Hyderabad, IN); Rameshchandra Bhaskar Ketharaju (Hyderabad, IN); Hari Prasada Raju Kunadharaju (Hyderabad, IN); Govinda Rajulu Nelluri (Hyderabad, IN)

Assignee: WELLS FARGO BANK, N.A.

G07F19/203

Abstract

Claims (59)

1. A system for dispensing cash, comprising:

an automatic teller machine (ATM), including:

at least one cash rack including a total amount of cash held by the ATM; and

a cash dispensing device configured to dispense cash from the at least one cash rack;

at least one processor; and

non-transitory computer-readable storage encoding instructions which, when executed by the at least one processor cause the system to:

receive an input from an electronic computing device that is remote from the ATM, the input including a request to hold for later withdrawal another amount of cash and metadata associated with the request;

feed the request and the metadata to a generative adversarial network (GAN);

determine, by the GAN, and based on the metadata, the total amount of cash, and the another amount of cash, whether to approve the request;

when the GAN approves the request:

generate a token; and

send the token to the electronic computing device; and

send signals to the ATM that cause the ATM to prevent the total amount of cash held by the ATM to drop below the another amount of cash until:

i) the token is scanned by the ATM; or

ii) a predefined amount of time since the token was generated has elapsed; and

when the GAN does not approve the request to withdraw the another amount of cash, send a message to the electronic computing device indicating that the request to withdraw the another amount of cash is denied,

wherein the total amount of cash is held by at least two cash racks of the ATM:

wherein the GAN is configured to determine whether to approve the request based on an output generated by a multi-head attention module;

wherein one head of the multi-head attention module processes data associated with one of the at least two cash racks; and

wherein another head of the multi-head attention module processes other data associated with another one of the at least two cash racks.

2. The system of claim 1 , wherein the instructions, when executed by the at least one processor cause the system to move cash from one of the at least two cash racks to another of the at least two cash racks based on an output from a support vector machine (SVM), the output being constrained by a rule defining a range of a gap that must be maintained between a first amount of cash held in one of the at least two cash racks of the ATM and a second amount of cash held in another of the at least two cash racks of the ATM.

3. The system of claim 1 , wherein the instructions, when executed by the at least one processor cause the system to, when the GAN approves the request, move the another amount of cash from one of the at least two cash racks to another of the at least two cash racks.

4. The system of claim 1 , wherein the metadata indicates that the request is associated with a transaction account of a customer of a financial institution that operates the ATM.

5. The system of claim 4 , wherein the metadata includes one or more of: a time of day that the request was made, a day of a week that the request is made, a calendar date that the request is made, a location of the electronic computing device, and a profile of the customer.

6. The system of claim 1 , wherein the GAN is configured to determine whether to approve the request based on contextual data associated with the request.

7. The system of claim 6 , wherein the contextual data includes data indicating an occurrence of an event associated with a predicted cash withdrawal demand that is in excess of a predefined threshold cash withdrawal demand.

8. The system of claim 1 , wherein the token is configured as a quick response (QR) code.

9. The system of claim 8 , wherein the QR code is configured to expire when the predefined amount of time since the token was generated has elapsed.

10. The system of claim 1 , wherein the instructions, when executed by the at least one processor cause the system to select the ATM from a plurality of ATMs.

11. The system of claim 10 , wherein the ATM is selected based on a location of the electronic computing device provided in the metadata.

12. The system of claim 11 , wherein the ATM is selected based on the another amount of cash.

13. The system of claim 1 , wherein the GAN determines whether to approve the request based on a profile of a customer associated with another request to hold some amount of cash for later withdrawal from the ATM, the another request pending when the request is received.

14. A system for dispensing cash, comprising:

an automatic teller machine (ATM) holding a total amount of cash, the ATM including:

a first cash rack;

a second cash rack; and

a cash dispensing device configured to dispense cash from each of the first cash rack and the second cash rack;

at least one processor; and

non-transitory computer-readable storage encoding instructions which, when executed by the at least one processor cause the system to:

receive an input from an electronic computing device that is remote from the ATM, the input including a request to hold for later withdrawal another amount of cash and metadata associated with the request, the metadata including a time that the request was made, a location of the electronic computing device, and a profile of a customer of a financial institution that operates the ATM;

select from a plurality of ATMs, based on the metadata and the total amount of cash, the ATM as a selected ATM to hold the another amount of cash;

feed the request and the metadata to a generative adversarial network (GAN);

determine, by the GAN, whether to approve the request based on:

the metadata;

the total amount of cash;

the another amount of cash; and

an output generated by a multi-head attention module, wherein one head of the multi-head attention module processes data associated with the first cash rack and another head of the multi-head attention module processes other data associated with the second cash rack;

when the GAN approves the request:

generate a token;

send the token to the electronic computing device;

move the another amount of cash from the first cash rack to the second cash rack based on another output from a support vector machine (SVM), the another output being constrained by a rule defining a range of a gap that must be maintained between a first amount of the total amount of cash held in the first cash rack and a second amount of the total amount of cash held in the second cash rack;

send signals to the ATM that cause the ATM to prevent the another amount of cash from moving out of the second cash rack until:

i) the token is scanned by the ATM; or

ii) a predefined amount of time since the token was generated has elapsed;

when the token is scanned by the ATM before the predefined amount of time since the token was generated has elapse, cause the ATM to dispense the another amount of cash from the second cash rack via the cash dispensing device;

when the predefined amount of time has elapsed:

move the another amount of cash from the second cash rack back to the first cash rack; and

and disable the token; and

when the GAN does not approve the request to withdraw the another amount of cash, send a message to the electronic computing device indicating that the request to withdraw the another amount of cash is denied.

Assignments (3)

References Cited (17)