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AssigneeWashington Mutual, Inc.
InventorsKaren Curtin, Mark J. Conway, Jeffrey C. Link, David W. Nelson, Ronald A. Turner, Deanna W. Oppenheimer, Scott A. Smith
Estimating the term…
Various embodiments of the invention include a financial transactions processing system to process financial transactions for a customer in a financial institution. One embodiment includes an entrance, a concierge desk, two or more teller towers, and a teller cash dispenser. The teller towers may contain a teller computer, a top surface, one or more cash slots, and a cash box. A bank employee at the teller tower performs transactions for a customer, such as depositing cash, performing account inquiries, etc. In one embodiment, the teller cash dispenser receives information regarding a withdrawal transaction and dispenses cash to a customer or the customer receives a printed receipt to receive cash from the cash dispenser. In another embodiment, the teller towers are arranged in a circle, semicircle, elongated circle, or oval.
A financial transactions processing system to process financial transactions for a customer in a branch bank, the system comprising:
Dependencies are inferred from the claim text.
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From the US filing history. Foreign family members aren’t listed.
Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to…:…
Buildings or groups of buildings for dwelling or office purposes; General layout, e.g. modular co-ordination or staggered storeys: office…
Specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems: remote banking, e.g. home banking
Remote banking, e.g. home banking: involving automatic teller machines [ATMs]
Term ended 5 Oct 2021 (estimated)
The disclosure relates generally to systems management, and more particularly to financial systems management.
Analyzing systems for efficiency is an ongoing task. There are often ways to improve existing systems to make them more profitable, quicker or better. Automation is one example of a way to improve the efficiency of an existing system. One method of automation may be to use computers to perform data sorting tasks that previously had been performed by people.
Financial systems are an example of a system that may benefit from increased efficiencies. A typical branch banking establishment has a teller counter along one wall. The teller counter typically is relatively long and has room for five or more bank tellers to stand behind the counter. The teller counter is usually about waist high or higher for most people. The bank tellers remain behind the teller counter and interact with customers over the teller counter. Often a series of rooms exist behind the teller counter where bank tellers and other employees often go to perform administrative tasks, complete parts of transactions, etc.
FIG. 1 is a block diagram illustrating a teller tower and a bank server used to implement the teller tower system in one embodiment.
FIG. 2 is a schematic cut-away side view of a teller tower in one embodiment.
FIG. 3 is a schematic top view of the teller tower of FIG. 2.
In the drawings, the same reference numbers identify identical or substantially similar elements or acts. To easily identify the discussion of any particular element or act, the most significant digit or digits in a reference number refer to the Figure number in which that element is first introduced (e.g., element 202 is first introduced and discussed with respect to FIG. 2).
A portion of this disclosure contains material to which a claim for copyright is made. The copyright owner has no objection to the facsimile reproduction by anyone of the patent disclosure (including Figures), or any patent document that may issue thereon, as it appears in the Patent and Trademark Office patent file or records, but reserves all other copyright rights whatsoever.
Note: the headings provided herein are for convenience and do not necessarily affect the scope or interpretation of the invention.