Patent 14 / ATM Proactive Assistance
01 / 11 US11720869B2
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Siten Sanghvi  ·  Granted Aug 8, 2023

ATM Proactive Assistance

A computing platform that detects when ATM users are struggling — via idle time, eye tracking, object detection, and facial recognition — and proactively delivers targeted assistance before the user ever asks for it.

US11720869B2Patent
Jul 27, 2020Filed
37 monthsTime to grant
19 Claims / 3 independentScope
1 CitationForward citation
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Visual patent explainer
02 / The Problem

ATMs are automated. When users struggle, there's no feedback loop.

Self-service ATM infrastructure was built to reduce cost — not to monitor user experience in real time. A new customer staring at the menu, a foreign visitor unsure of the interface, an elderly user holding a check and not knowing where to insert it: all face the same outcome. The machine waits. No help arrives.

No Struggle DetectionLegacy ATMs have no mechanism to recognize that a user is confused or stuck — only that a session has been inactive for a timeout
One-Size UIThe same navigation and display is shown regardless of whether the user is experienced or first-time, domestic or foreign, sighted or impaired
Help Requires AskingTraditional assistance options require users to know to ask for help — which struggling users are least likely to do
03 / The Invention

Detect the struggle. Intervene before the user gives up.

A computing platform receives real-time presence data from ATM sensors — cameras, microphones, device detectors — and identifies when a specific user has a need for assistance. It then generates targeted commands that cause the ATM to execute the exact assistance action matched to that user's situation.

The system doesn't wait for a "help" button press. It proactively classifies the user's behavioral state from sensor data and acts — adapting the interface in real time to remove the friction that caused confusion.

04 / Architecture

Sensors stream to a platform. Platform classifies and commands.

The ATM feeds user presence data — not just session activity — to a central computing platform. The platform identifies need, generates a targeted assistance command, and routes it back to the ATM for immediate execution.

The loop is closed locally: no human in the middle. Assistance fires automatically based on sensor state, classified by the platform in real time.

Architecture — US11720869B2
ATM Sensors
Camera, mic, device detector
Computing
Platform
Identify user
need for assistance
Generate targeted
assistance command
ATM executes
assistance action
05 / Detection Signals

Six distinct signals. Each identifies a different kind of struggle.

The platform classifies user need by reading multiple sensor streams simultaneously. Each sensor type reveals a different dimension of user difficulty — from temporal (idle time) to behavioral (eye tracking, object holding) to contextual (foreign institution linkage).

Detection Signal Types — US11720869B2
Idle Time
User has been inactive at ATM longer than a threshold — the most direct indicator of confusion or hesitation.
👁
Eye Detection
Camera captures where the user is looking — e.g., lingering on a menu item — signaling confusion about which option to select.
📦
Object Detection
Camera detects the user is holding a physical item (check, card, cash) and hasn't completed the relevant action.
🎙
Audio Detection
Microphone captures audio indicating a specific issue — e.g., user expressing frustration or confusion verbally.
06 / Sensor Simulator

Each signal triggers a tailored response.

The platform doesn't return a generic help screen — it matches the assistance action to the specific signal that triggered it. Select a sensor type below to see what assistance the platform generates.

Sensor → Assistance Mapping
07 / Assistance Actions

Six ways the ATM can be commanded to help.

The platform generates commands that direct the ATM to execute one or more of six distinct assistance modes — each designed for a different failure mode of the self-service experience.

Assistance Command Types — US11720869B2

Colored Navigation

Dynamically highlights navigation options in color — directing attention to the correct next step for the user's current context.

Tutorial Video

Plays a contextual tutorial based on the user's actual interaction sequence with the ATM — not a generic walkthrough.

Video Call (ATM Screen)

Initiates a live video assistance call with a representative, displayed on the ATM's own screen.

Video Call (Mobile)

Routes the video call to the user's linked mobile device instead of the ATM screen — supporting privacy or accessibility needs.

Step-by-Step Guide

Displays step-by-step instructions for completing the specific function the user appears to be attempting.

Update / Replacement Info

Informs the user about recently updated functions or replacement functions available on the ATM that may resolve their issue.

08 / User Identification

User context shapes both detection and response.

Detecting struggle isn't enough — the platform also identifies who is struggling. A first-time user needs onboarding. A foreign institution customer needs interface localization. A user holding a check needs deposit guidance. User identity modulates the assistance type.

The platform captures user presence information via facial recognition cameras, drive-up cameras (license plate data), device detection, and ATM credentials — creating a multi-signal user context before generating any command.

User Context Sources
Facial recognition
camera
Drive-up camera
(license plate)
Device detection
(enterprise monitor)
ATM credentials
(institution linkage)
Contextual user profile
→ targeted assistance type
09 / Applications

Proactive ATM assistance across user segments and locations.

The combination of multi-sensor detection, user context profiling, and targeted assistance commands enables adaptive ATM experiences across a wide range of use cases — including accessibility, internationalization, and real-time agent escalation.

Use Cases — US11720869B2
Express
First-Time User Onboarding System detects a new user (via credentials or facial recognition) and proactively surfaces step-by-step guidance before they encounter the first decision point.
Express
Foreign Institution Assistance Credentials identify a user linked to a foreign institution; platform triggers interface localization and relevant instructions without requiring the user to navigate a language menu.
Inferred
Check Deposit Guidance Object detection identifies a user holding a check at an ATM that accepts check deposits. Platform surfaces a tutorial guiding the user through the deposit flow.
Inferred
Live Video Escalation When sensor signals indicate confusion beyond what automated guidance can resolve, the platform initiates a live video call with a remote representative — on screen or on the user's phone.
10 / Citations

1 Forward Citation

Granted Aug 2023, this patent has been cited by Wells Fargo in a 2025 publication on customer-specific ATM content delivery — validating that the proactive assistance framework is directly relevant to how other institutions are building next-generation ATM infrastructure.

Forward citation confirmed via Google Patents · Jun 22, 2026
Forward Citations (1 of 1)
Wells Fargo Bank, N.A. US12462654B2  ·  Nov 4, 2025 Systems and methods for customer-specific content delivery via ATM
11 / Timeline

Patent Lifecycle

Jul 27, 2020
Filed
Application filed
18 months
Jan 27, 2022
Published
Pre-grant publication US20220027875A1
19 months
Aug 8, 2023
Granted
US11720869B2 granted
~18 years
Jul 28, 2041
Expires
Est. expiration (subject to maintenance fees)
End / Patent 14