# US 2023/0401548 A1 · Transaction Storing and Forwarding > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2023/0401548 A1 - Document ID: US20230401548A1 - Status: Published application - Kind: A1 - Application number: 18/238,047 - Filed: 2023-08-25 - Published: 2023-12-14 - Earliest claimed: 2008-07-31 - Assignees: Bank of America Corporation - Applicants: Bank of America Corporation - Inventors: Amy Baker Folk; William Thomas Sanders; Daniel Christopher Bohen; Paul Martin Mattison; Shane Anthony Johnson; Sandra Ruth Maas; Kristen Ellen Asplund; Edward Christopher Mackey; Shelaine Marie Monkiewicz - Web page: https://patentgrep.com/patent/US20230401548A1 ## CPC - G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems - G07F 19/20: {Automatic teller machines [ATMs]} - G07F 19/202: {Depositing operations within ATMs (depositing in general G07D11/00)} - G07F 19/203: {Dispensing operations within ATMs (dispensing 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 After loss of communications between a cash handling device and a financial institution, transactions may continue to be processed. In one configuration, the transactions may be processed up to a predefined transaction limit. Transaction limits may be defined by a number of transactions, a dollar amount transacted or to be transacted, an amount of time and/or combinations thereof. Additionally or alternatively, the transaction limit may be specific to one or more types of transactions. Transaction data may be stored in memory until communication has been re-established, at which time the data may be transmitted to the financial institution for processing. ## Claims ### Claim 1 A cash recycler system, comprising: at least one processor; a communication interface; and memory storing computer readable instructions that, when executed by the at least one processor, cause the cash recycler system to: determine that a network connection between the cash recycler system and a cash recycler service associated with a server is lost, the cash recycler system being located at an enterprise location, and the enterprise location being different from a location of the server; responsive to determining that the network connection between the cash recycler system and the cash recycler service associated with the server is lost, initiate a store and forward mode of the cash recycler system; after initiating the store and forward mode of the cash recycler system, receive a first transaction request via at least one user interface presented by the cash recycler system; determine that the first transaction request received via the at least one user interface presented by the cash recycler system corresponds to a request to receive a deposit; based on determining that the first transaction request received via the at least one user interface presented by the cash recycler system corresponds to a request to receive a deposit, process the first transaction request to receive the deposit and store transaction data associated with the deposit; after processing the first transaction request, determine that the network connection between the cash recycler system and the cash recycler service associated with the server has been reestablished; and based on determining that the network connection between the cash recycler system and the cash recycler service associated with the server has been reestablished, transmit, to the cash recycler service associated with the server, via the communication interface, the transaction data associated with the deposit stored by the cash recycler system. ### Claim 2 (depends on 1) The cash recycler system of claim 1, wherein the memory stores additional computer readable instructions that, when executed by the at least one processor, cause the cash recycler system to: after determining that the network connection between the cash recycler system and the cash recycler service associated with the server is lost, receive a second transaction request via at least one user interface presented by the cash recycler system; determine that the second transaction request received via the at least one user interface presented by the cash recycler system does not correspond to a request to receive a deposit; and based on determining that the second transaction request received via the at least one user interface presented by the cash recycler system does not correspond to a request to receive a deposit, process the second transaction request based on one or more transaction thresholds. ### Claim 3 (depends on 2) The cash recycler system of claim 2, wherein processing the second transaction request based on the one or more transaction thresholds comprises: dispensing funds based on the one or more transaction thresholds and based on the second transaction request received via the at least one user interface presented by the cash recycler system while the network connection between the cash recycler system and the cash recycler service associated with the server is lost; and storing transaction data associated with the funds dispensed based on the one or more transaction thresholds and based on the second transaction request received via the at least one user interface presented by the cash recycler system while the network connection between the cash recycler system and the cash recycler service associated with the server is lost. ### Claim 4 (depends on 3) The cash recycler system of claim 3, wherein dispensing the funds based on the one or more transaction thresholds and based on the second transaction request received via the at least one user interface presented by the cash recycler system while the network connection between the cash recycler system and the cash recycler service associated with the server is lost comprises dispensing at least some currency that was previously deposited at the cash recycler system. ### Claim 5 (depends on 2) The cash recycler system of claim 2, wherein processing the second transaction request based on the one or more transaction thresholds comprises denying the second transaction request based on the one or more transaction thresholds. ### Claim 6 (depends on 2) The cash recycler system of claim 2, wherein at least one transaction threshold of the one or more transaction thresholds defines a maximum number of withdrawal transactions that the cash recycler system is permitted to process while the network connection between the cash recycler system and the cash recycler service associated with the server is lost. ### Claim 7 (depends on 2) The cash recycler system of claim 2, wherein at least one transaction threshold of the one or more transaction thresholds defines a maximum amount of currency that the cash recycler system is permitted to dispense while the network connection between the cash recycler system and the cash recycler service associated with the server is lost. ### Claim 8 (depends on 2) The cash recycler system of claim 2, wherein at least one transaction threshold of the one or more transaction thresholds defines a maximum amount of time in which the cash recycler system is permitted to process one or more transaction requests while the network connection between the cash recycler system and the cash recycler service associated with the server is lost. ### Claim 9 (depends on 2) The cash recycler system of claim 2, wherein at least one transaction threshold of the one or more transaction thresholds defines one or more limits on which users of the cash recycler system are permitted to input one or more transaction requests to the cash recycler system via the at least one user interface presented by the cash recycler system while the network connection between the cash recycler system and the cash recycler service associated with the server is lost. ### Claim 10 (depends on 1) The cash recycler system of claim 1, wherein the transaction data associated with the deposit stored by the cash recycler system and transmitted by the cash recycler system to the cash recycler service associated with the server via the communication interface causes the cash recycler service associated with the server to recognize the deposit. ### Claim 11 (depends on 1) The cash recycler system of claim 1, wherein the transaction data associated with the deposit stored by the cash recycler system and transmitted by the cash recycler system to the cash recycler service associated with the server via the communication interface causes the cash recycler service associated with the server to recognize the deposit by crediting funds associated with the deposit to a client account associated with an owner of the enterprise location where the cash recycler system is located. ### Claim 12 (depends on 1) The cash recycler system of claim 1, wherein the transaction data associated with the deposit stored by the cash recycler system and transmitted by the cash recycler system to the cash recycler service associated with the server via the communication interface causes the cash recycler service associated with the server to recognize the deposit by applying, to a client account associated with an owner of the enterprise location where the cash recycler system is located, a non-provisional credit for funds associated with the deposit. ### Claim 13 A method, comprising: at a cash recycler system comprising at least one processor, memory, and a communication interface: determining, by the at least one processor, that a network connection between the cash recycler system and a cash recycler service associated with a server is lost, the cash recycler system being located at an enterprise location, and the enterprise location being different from a location of the server; responsive to determining that the network connection between the cash recycler system and the cash recycler service associated with the server is lost, initiate a store and forward mode of the cash recycler system; after initiating the store and forward mode of the cash recycler system, receiving, by the at least one processor, a first transaction request via at least one user interface presented by the cash recycler system; determining, by the at least one processor, that the first transaction request received via the at least one user interface presented by the cash recycler system corresponds to a request to receive a deposit; based on determining that the first transaction request received via the at least one user interface presented by the cash recycler system corresponds to a request to receive a deposit, processing, by the at least one processor, the first transaction request to receive the deposit and store transaction data associated with the deposit; after processing the first transaction request, determining, by the at least one processor, that the network connection between the cash recycler system and the cash recycler service associated with the server has been reestablished; and based on determining that the network connection between the cash recycler system and the cash recycler service associated with the server has been reestablished, transmitting, by the at least one processor, to the cash recycler service associated with the server, via the communication interface, the transaction data associated with the deposit stored by the cash recycler system. ### Claim 14 (depends on 13) The method of claim 13, comprising: after determining that the network connection between the cash recycler system and the cash recycler service associated with the server is lost, receiving, by the at least one processor, a second transaction request via at least one user interface presented by the cash recycler system; determining, by the at least one processor, that the second transaction request received via the at least one user interface presented by the cash recycler system does not correspond to a request to receive a deposit; and based on determining that the second transaction request received via the at least one user interface presented by the cash recycler system does not correspond to a request to receive a deposit, processing, by the at least one processor, the second transaction request based on one or more transaction thresholds. ### Claim 15 (depends on 14) The method of claim 14, wherein processing the second transaction request based on the one or more transaction thresholds comprises: dispensing funds based on the one or more transaction thresholds and based on the second transaction request received via the at least one user interface presented by the cash recycler system while the network connection between the cash recycler system and the cash recycler service associated with the server is lost; and storing transaction data associated with the funds dispensed based on the one or more transaction thresholds and based on the second transaction request received via the at least one user interface presented by the cash recycler system while the network connection between the cash recycler system and the cash recycler service associated with the server is lost. ### Claim 16 (depends on 15) The method of claim 15, wherein dispensing the funds based on the one or more transaction thresholds and based on the second transaction request received via the at least one user interface presented by the cash recycler system while the network connection between the cash recycler system and the cash recycler service associated with the server is lost comprises dispensing at least some currency that was previously deposited at the cash recycler system. ### Claim 17 (depends on 14) The method of claim 14, wherein processing the second transaction request based on the one or more transaction thresholds comprises denying the second transaction request based on the one or more transaction thresholds. ### Claim 18 (depends on 14) The method of claim 14, wherein at least one transaction threshold of the one or more transaction thresholds defines a maximum number of withdrawal transactions that the cash recycler system is permitted to process while the network connection between the cash recycler system and the cash recycler service associated with the server is lost. ### Claim 19 (depends on 14) The method of claim 14, wherein at least one transaction threshold of the one or more transaction thresholds defines a maximum amount of currency that the cash recycler system is permitted to dispense while the network connection between the cash recycler system and the cash recycler service associated with the server is lost. ### Claim 20 One or more non-transitory computer-readable media storing instructions that, when executed by a cash recycler system comprising at least one processor, memory, and a communication interface, cause the cash recycler system to: determine that a network connection between the cash recycler system and a cash recycler service associated with a server is lost, the cash recycler system being located at an enterprise location, and the enterprise location being different from a location of the server; responsive to determining that the network connection between the cash recycler system and the cash recycler service associated with the server is lost, initiate a store and forward mode of the cash recycler system; after initiating the store and forward mode of the cash recycler system, receive a first transaction request via at least one user interface presented by the cash recycler system; determine that the first transaction request received via the at least one user interface presented by the cash recycler system corresponds to a request to receive a deposit; based on determining that the first transaction request received via the at least one user interface presented by the cash recycler system corresponds to a request to receive a deposit, process the first transaction request to receive the deposit and store transaction data associated with the deposit; after processing the first transaction request, determine that the network connection between the cash recycler system and the cash recycler service associated with the server has been reestablished; and based on determining that the network connection between the cash recycler system and the cash recycler service associated with the server has been reestablished, transmit, to the cash recycler service associated with the server, via the communication interface, the transaction data associated with the deposit stored by the cash recycler system.