Patent ID: 8731997

Claim:
A system comprising: a self-service financial transaction device configured to at least one of: receive a check for deposit in a user's account, dispense currency from the user's account, and provide total balance of the user's account; at least one processor; and at least one memory having stored therein computer-executable instructions, that when executed by the at least one processor, cause the system to perform a method of: collecting transaction data resulting from the user's interaction with the self-service financial transaction device, wherein the transaction data includes transaction time, transaction date, transaction type, unique card identifier, and unique terminal identifier; collecting user wait time data, the wait time data corresponding to at least a duration that the user waits before using the self-service financial transaction device; and combining transaction data to form session data based on consecutive transactions at the self-service financial transaction device with the same unique card identifier; and a communications network transmitter configured to transmit the collected transaction data, the session data, and the user wait time data to a remote computer, wherein the remote computer comprises an enhanced model determined using the transaction data, session data, and user wait time data.