| CPC G06Q 20/4016 (2013.01) [G06Q 20/1085 (2013.01); G06Q 20/389 (2013.01)] | 23 Claims |
|
1. A method for controlling access to an automated teller machine (ATM) upon detection of a suspicious payment instrument, the method comprising:
pairing a first ATM with a plurality of other ATMs to form a network of paired ATMs that perform banking transactions and serve as distributed nodes for performing a swarm intelligence algorithm, wherein the paired ATMs are accessible using one or more payment instruments that are external to the ATMs;
receiving, at the first ATM, an initial swarm intelligence model for performing the swarm intelligence algorithm on the network of paired ATMs;
detecting, by the first ATM, one of the one or more payment instruments used by a user to access the first ATM and capturing information about the payment instrument;
determining, by the first ATM, whether the detected payment instrument of the user is suspicious based on the initial swarm intelligence model and the captured information;
allowing, by the first ATM, interaction with the payment instrument when the payment instrument is not determined to be suspicious; and
when the detected payment instrument of the user is determined to be suspicious:
executing, by the first ATM, an action to control access to the first ATM by the payment instrument that is determined to be suspicious;
relaying, by the first ATM, an alert to the plurality of other ATMs about the suspicious payment instrument; and
updating, at the first ATM, the initial swarm intelligence model to an updated swarm intelligence model that accounts for the determination that the payment instrument is suspicious.
|