US 9,311,631 B2Granted

System and method for smart deposit retrieval

AssigneeBank of America Corporation

InventorTyler R. Johnson

Life of this patent

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Abstract

According to one embodiment, a system includes a processor and an interface. The interface receives, from a terminal, planned-deposit information. The terminal is at a location that is remote from a deposit location. The processor associates a deposit identifier with the planned-deposit information and stores the planned-deposit information and the deposit identifier in a memory. According to one embodiment, a method includes recognizing, at a deposit location, a deposit identifier. The method includes identifying, based on the deposit identifier and information stored in a memory, a planned deposit. The method includes detecting that the planned deposit has been delivered to a depository and determining, by a processor and based on one or more business rules, an availability of funds associated with the planned deposit.

Claims17

Dependent claims

A system comprising:

one or more processors, the one or more processors operable to:
receive a deposit identifier for a deposit bag, the deposit identifier associated with planned-deposit information and printed at a terminal located remotely from a deposit location, the deposit identifier received from a scanner that scans the deposit bag at the deposit location;
send a command to release an opening of a depository located at the deposit location, the command sent in response to receiving the deposit identifier from the scanner;
determine that the depository has received the deposit bag;
update a manifest to indicate that the deposit bag was received;
post the planned-deposit immediately in response to determining, based on deposit-location information and the deposit identifier, that the planned-deposit has been authorized for immediate posting;
determine that the depository has received a second deposit bag associated with a second deposit identifier for a second planned-deposit;
post the second planned-deposit after a specified period of time in response to determining, based on second deposit-location information and the second deposit identifier, that the second planned-deposit has not been authorized for immediate posting and that the second planned-deposit has been authorized for posting after the specified period of time;
determine that the depository has received a third deposit bag associated with a third deposit identifier for a third planned-deposit;
and
post the third planned-deposit after receiving a verification in response to determining, based on third deposit-location information and the third deposit identifier, that the third planned-deposit has not been authorized for immediate posting and has not been authorized for posting after the specified period of time.

8 more elements

Non-transitory computer readable medium comprising logic, the logic, when executed by one or more processors, operable to:

receive a deposit identifier for a deposit bag, the deposit identifier associated with planned-deposit information and printed at a terminal located remotely from a deposit location, the deposit identifier received from a scanner that scans the deposit bag at the deposit location;
send a command to release an opening of a depository located at the deposit location, the command sent in response to receiving the deposit identifier from the scanner;
determine that the depository has received the deposit bag;
update a manifest to indicate that the deposit bag was received;
post the planned-deposit immediately in response to determining, based on deposit-location information and the deposit identifier, that the planned-deposit has been authorized for immediate posting;
determine that the depository has received a second deposit bag associated with a second deposit identifier for a second planned-deposit;
post the second planned-deposit after a specified period of time in response to determining, based on second deposit-location information and the second deposit identifier, that the second planned-deposit has not been authorized for immediate posting and that the second planned-deposit has been authorized for posting after the specified period of time;
determine that the depository has received a third deposit bag associated with a third deposit identifier for a third planned-deposit;
and
post the third planned-deposit after receiving a verification in response to determining, based on third deposit-location information and the third deposit identifier, that the third planned-deposit has not been authorized for immediate posting and has not been authorized for posting after the specified period of time.

7 more elements

A method comprising:

receiving, by one or more processors, a deposit identifier for a deposit bag, the deposit identifier associated with planned-deposit information and printed at a terminal located remotely from a deposit location, the deposit identifier received from a scanner that scans the deposit bag at the deposit location;
sending, by the one or more processors, a command to release an opening of a depository located at the deposit location, the command sent in response to receiving the deposit identifier from the scanner;
determining, by the one or more processors, that the depository has received the deposit bag;
updating, by the one or more processors, a manifest to indicate that the deposit bag was received;
posting the planned-deposit immediately in response to determining, based on deposit-location information and the deposit identifier, that the planned-deposit has been authorized for immediate posting;
determining that the depository has received a second deposit bag associated with a second deposit identifier for a second planned-deposit;
posting the second planned-deposit after a specified period of time in response to determining, based on second deposit-location information and the second deposit identifier, that the second planned-deposit has not been authorized for immediate posting and that the second planned-deposit has been authorized for posting after the specified period of time;
determining that the depository has received a third deposit bag associated with a third deposit identifier for a third planned-deposit;
and
posting the third planned-deposit after receiving a verification in response to determining, based on third deposit-location information and the third deposit identifier, that the third planned-deposit has not been authorized for immediate posting and has not been authorized for posting after the specified period of time.

7 more elements

Dependencies are inferred from the claim text.

Facts

Application: 14/558,938Filed 3 Dec 2014 · continuation
Priority: 13 Mar 2013
Published: US 2015/0108212 A123 Apr 2015
Granted: 12 Apr 2016
Term ends: Not estimatedThe source records don’t support an estimate.

Classification9 codes

G07F 19/202
Automatic teller machines [ATMs]: depositing operations within ATMs
G06K 19/06037
With optically detectable marking: multi-dimensional coding
G06Q 20/108
Specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems: remote banking, e.g. home banking
G06Q 20/1085
Remote banking, e.g. home banking: involving automatic teller machines [ATMs]

Family

Application13/801,153Parent of this continuation · filed 13 Mar 2013
US 2015/0108212 A1Pre-grant publication · published 23 Apr 2015
US 9,038,889 B2Parent of this continuation
US 2014/0263617 A1Published application
US 9,311,631 B2This patent

From the US filing history. Foreign family members aren’t listed.