# US 12,182,788 B1 · Cash deposit at point of sale using deposit product inventory item systems and methods > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,182,788 B1 - Document ID: US12182788B1 - Status: Granted - Kind: B1 - Application number: 18/355,257 - Filed: 2023-07-19 - Granted: 2024-12-31 - Earliest claimed: 2011-07-01 - Assignees: United Services Automobile Association (USAA) - Applicants: United Services Automobile Association (USAA) - Inventors: Gunjan Vijayvergia; Bharat Prasad - Web page: https://patentgrep.com/patent/US12182788B1 ## CPC - G06Q 20/208: {Input by product or record sensing, e.g. weighing or scanner processing} - G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems - G06Q 20/20: Point-of-sale [POS] network systems - G06Q 20/203: {Inventory monitoring} - G06Q 20/28: Pre-payment schemes, e.g. "pay before" - G07F 19/202: {Depositing operations within ATMs (depositing in general G07D11/00)} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00}) ## Abstract A system for receiving cash deposits at a point of sale includes a processor; a product inventory database; a communication interface; a product inventory item reader; and a purchase instrument reader. The processor is configured to receive a product code from the product inventory item reader; access the product inventory database to recognize the product code as a deposit product code; receive signals indicating an amount of a deposit associated with the deposit product code; receive signals from the purchase instrument reader identifying an account for the deposit; and send signals to a transaction processing network via the communication interface to thereby effect the deposit of the amount into the account. ## Claims ### Claim 1 A method for depositing funds into a designated account, the method comprising: generating, via a mobile application on a mobile device, a deposit code for a deposit; displaying, by the mobile device, the deposit code to a point-of-sale device of a merchant, wherein the point-of-sale device queries a banking entity based on the deposit code to provide accounts that the point-of-sale device of the merchant is authorized to make deposits in; in response to the point-of-sale device querying the banking entity, receiving, by the mobile device, two or more accounts of the banking entity available for the deposit; selecting, by the mobile device, a first account of the two or more accounts available for the deposit, wherein the point-of-sale device sends one or more signals to a transaction processing network to trigger the deposit in the first account; and receiving, at the mobile device, a receipt for the deposit in the first account. ### Claim 2 (depends on 1) The method of claim 1, further comprising: encrypting a transaction identification number, personally identifying data of a user associated with the mobile device, and a timestamp for expiration for the deposit; and embedding in the deposit code the encrypted transaction identification number, the encrypted personally identifying data of the user, and the encrypted timestamp for expiration for the deposit. ### Claim 3 (depends on 1) The method of claim 1, wherein the deposit code is based on a previous enrollment of one or more deposit products into a product inventory database that assigns one or more deposit codes to one or more deposit products. ### Claim 4 (depends on 1) The method of claim 1, wherein the deposit code specifies an amount to be deposited in association with the deposit code. ### Claim 5 (depends on 1) The method of claim 1, wherein the first account is a bill pay account associated with a user of the mobile device. ### Claim 6 (depends on 1) The method of claim 1, wherein the deposit code includes a transaction identification number, personally identifying data, and a timestamp for expiration. ### Claim 7 (depends on 1) The method of claim 1, wherein a user associated with the mobile device specifies an amount of the deposit in an enrollment for the deposit code. ### Claim 8 A system comprising: one or more processors; and one or more memories storing instructions that, when executed by the one or more processors, cause the system to perform a process for depositing funds into a designated account, the process comprising: generating, via a mobile application on a mobile device, a deposit code for a deposit; displaying, by the mobile device, the deposit code to a point-of-sale device of a merchant, wherein the point-of-sale device queries a banking entity based on the deposit code to provide accounts that the point-of-sale device of the merchant is authorized to make deposits in; in response to the point-of-sale device querying the banking entity, receiving, by the mobile device, two or more accounts of the banking entity available for the deposit; selecting, by the mobile device, a first account of the two or more accounts available for the deposit, wherein the point-of-sale device sends one or more signals to a transaction processing network to trigger the deposit in the first account; and receiving, at the mobile device, a receipt for the deposit in the first account. ### Claim 9 (depends on 8) The system according to claim 8, wherein the process further comprises: encrypting a transaction identification number, personally identifying data of a user associated with the mobile device, and a timestamp for expiration for the deposit; and embedding in the deposit code the encrypted transaction identification number, the encrypted personally identifying data of the user, and the encrypted timestamp for expiration for the deposit. ### Claim 10 (depends on 8) The system according to claim 8, wherein the deposit code is based on a previous enrollment of one or more deposit products into a product inventory database that assigns one or more deposit codes to one or more deposit products. ### Claim 11 (depends on 8) The system according to claim 8, wherein the deposit code specifies an amount to be deposited in association with the deposit code. ### Claim 12 (depends on 8) The system according to claim 8, wherein the first account is a bill pay account associated with a user of the mobile device. ### Claim 13 (depends on 8) The system according to claim 8, wherein the deposit code includes a transaction identification number, personally identifying data, and a timestamp for expiration. ### Claim 14 (depends on 8) The system according to claim 8, wherein a user associated with the mobile device specifies an amount of the deposit in an enrollment for the deposit code. ### Claim 15 A non-transitory computer-readable medium storing instructions that, when executed by a computing system, cause the computing system to perform operations for depositing funds into a designated account, the operations comprising: generating, via a mobile application on a mobile device, a deposit code for a deposit; displaying, by the mobile device, the deposit code to a point-of-sale device of a merchant, wherein the point-of-sale device queries a banking entity based on the deposit code to provide accounts that the point-of-sale device of the merchant is authorized to make deposits in; in response to the point-of-sale device querying the banking entity, receiving, by the mobile device, two or more accounts of the banking entity available for the deposit; selecting, by the mobile device, a first account of the two or more accounts available for the deposit, wherein the point-of-sale device sends one or more signals to a transaction processing network to trigger the deposit in the first account; and receiving, at the mobile device, a receipt for the deposit in the first account. ### Claim 16 (depends on 15) The non-transitory computer-readable medium of claim 15, wherein the operations further comprise: encrypting a transaction identification number, personally identifying data of a user associated with the mobile device, and a timestamp for expiration for the deposit; and embedding in the deposit code the encrypted transaction identification number, the encrypted personally identifying data of the user, and the encrypted timestamp for expiration for the deposit. ### Claim 17 (depends on 15) The non-transitory computer-readable medium of claim 15, wherein the deposit code is based on a previous enrollment of one or more deposit products into a product inventory database that assigns one or more deposit codes to one or more deposit products. ### Claim 18 (depends on 15) The non-transitory computer-readable medium of claim 15, wherein the deposit code specifies an amount to be deposited in association with the deposit code. ### Claim 19 (depends on 15) The non-transitory computer-readable medium of claim 15, wherein the first account is a bill pay account associated with a user of the mobile device. ### Claim 20 (depends on 15) The non-transitory computer-readable medium of claim 15, wherein the deposit code includes a transaction identification number, personally identifying data, and a timestamp for expiration, and wherein a user associated with the mobile device specifies an amount of the deposit in an enrollment for the deposit code.