Mobile cash deposit system and method
AssigneeUnited Services Automobile Association (USAA)
InventorsYongxiang Hu, Diana Reyna, Aaron Lee Van Heldorf
Life of this patent
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Abstract
An electronic cash deposit system includes a processor that receives a user-generated request for a deposit of cash into an account, receive data generated from a scan of a machine-readable image on a receptacle that receives the cash, perform a validation of the deposit of the cash based on a correlation between the data generated from the scan and a transaction key, generate confirmation of the deposit of the cash when the validation is confirmed, and send a notification to a banking system to update the account to reflect the deposit of the cash in response to the confirmation being generated.
Claims12
A method, comprising:
- receiving, via a processor, a user-generated request for a deposit of cash into an account, wherein the user-generated request comprises information indicative of an amount of the cash, a date, and a location;
- sending, via the processor, the user-generated request to a server device, wherein the server device is configured to schedule a courier to receive the deposit based on the information;
- and
- receiving, via the processor, a machine-readable image via one or more image sensors, wherein the machine-readable image is representative of the deposit;
- determining, via the processor, a transaction key based on the machine-readable image;
- and
- sending, via the processor, the transaction key to the server device, wherein the server device is configured to:
- validate an identity of a user based on the transaction key;
- and
- transfer funds associated with the deposit into an account associated with the user in response to validating the identity of the user.
A system, comprising:
- a receptacle device, comprising:
- one or more image sensors;
- an electronic display;
- and one or more processors configured to:
- receive image data representative of cash received by the receptacle device;
- a computing device configured to:
- receive a user request for a deposit of the cash into an account;
- generate a machine-readable image associated with the user request;
- send the machine-readable image to the receptacle device, wherein the one or more processors are configured to display the machine-readable image via the electronic device;
- receive a transaction key from an additional computing device, wherein the transaction key is acquired via a scan of the machine-readable image;
- validate an identity of the user based on the transaction key;
- and
- transfer funds associated with the deposit into an account associated with the user in response to validating the identity of the user.
Dependencies are inferred from the claim text.