System for processing resource deposits

• US 10,217,084 B2
• Filed: 05/18/2017
• Issued: 02/26/2019
• Est. Priority Date: 05/18/2017
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Cantley, Kerry Michelle, Pierce, Jr., James Wayland, Koval, David Joseph, Best, Jr., Gary L., Monk, Kristy Lynn
• Primary Examiner(s): Marshall, Christle I
• Application Number:
  US15/598,583
• Publication Number:
  US 20180336511A1
• Time in Patent Office: 649 Days
• CPC Class Codes: B65D 55/06 Deformable or tearable wires, strings, or strips containers specially constructed to be opened by tear-strips, strings or the like B65D17/00; caps or cap-like closures with tear-strips B65D41/32; Use of seals , e.g. destructible locking pins B65D55/022 takes precedence
• CPC Class Codes: G06K 7/10762 Relative movement
• CPC Class Codes: G06Q 10/087 Inventory or stock management, e.g. order filling, procurement or balancing against orders

Abstract

Embodiments of the present invention provide a system for processing deposits of resources. A managing entity generates containers with respective unique identifier tags and provides the container to a merchant. The merchant places resources in the container and scans the unique identifier tag of the container. The system receives an indication of the scan, and displays a deposit portal comprising merchant input fields. The merchant provides a merchant input into these input fields, and the merchant input is stored in a searchable database. Once the container reaches a processing center, the processing center scans the unique identifier tag, and the managing entity receives an indication that the scan occurred. In response, the managing entity system causes a processing application to display on a computing device of the processing center, the display including processing input fields that are at least partially filled out with the merchant input.

Claims

1. A system for processing resource deposits, the system comprising:

a memory device; and

one or more processing devices operatively coupled to the memory device, wherein the one or more processing devices are configured to execute computer-readable program code to;

provide a container comprising a unique identifier tag to a merchant;

provide a deposit application to the merchant for installation on a remote computing device of the merchant;

receive, from the computing device of the merchant, an indication that the unique identifier tag of the container has been scanned by the computing device of the merchant;

in response to receiving the indication that the unique identifier tag of the container has been scanned, transmit a deposit alert over a communication channel to the computing device of the merchant, wherein the deposit alert activates the deposit application to display a deposit portal comprising input fields and a request for the merchant to provide a merchant input associated with contents of the container;

receive, from the computing device of the merchant, the merchant input associated with the contents of the container; and

store the received merchant input associated with the contents of the container in a deposit database.

2. The system of claim 1, wherein the one or more processing devices are further configured to execute computer-readable program code to:

provide a resource processing application to a resource processing center for installation on a remote computing device of the resource processing center;

receive, from the computing device of the resource processing center, an indication that the unique identifier tag of the container has been scanned by the computing device of the resource processing center; and

in response to receiving the indication that the unique identifier tag of the container has been scanned by the computing device of the resource processing center, transmit a resource processing alert over a communication channel to the computing device of the resource processing center, wherein the resource processing alert activates the resource processing application to populate one or more processing input fields with the stored merchant input associated with the contents of the container.

3. The system of claim 1, wherein the one or more processing devices are further configured to execute computer-readable program code to:

monitor a historical resource database associated with the merchant;

in response to receiving the merchant input associated with the contents of the container, identify a proposed deposit amount of resources associated with the contents of the container;

identify, from the historical resource database associated with the merchant, a current withdrawn amount of resources associated with the merchant, wherein the current withdrawn amount of resources associated with the merchant have been requested by the merchant but are not in transit to the merchant;

in response to identifying the current withdrawn amount of resources associated with the merchant, transmit a deposit alteration alert over the communication channel to the computing device of the merchant, wherein the deposit alteration alert activates the deposit application to display the deposit portal and a notification to refrain from depositing a portion of the contents of the container associated with the current withdrawn amount of resources; and

cancel a transmittal of the current withdrawn amount of resources to the merchant.

4. The system of claim 1, wherein the one or more processing devices are further configured to execute computer-readable program code to:

monitor a historical resource database associated with the merchant;

in response to receiving the merchant input associated with the contents of the container, identify a proposed deposit amount of resources associated with the contents of the container;

identify, from the historical resource database associated with the merchant, an expected withdrawn amount of resources associated with the merchant, wherein the expected withdrawn amount of resources associated with the merchant is an amount of resources expected to be withdrawn by the merchant within a predetermined period of time; and

in response to identifying the expected withdrawn amount of resources associated with the merchant, transmit a deposit alteration alert over the communication channel to the computing device of the merchant, wherein the deposit alteration alert activates the deposit application to display the deposit portal and a notification to refrain from depositing a portion of the contents of the container associated with the expected withdrawn amount of resources.

5. The system of claim 1, wherein the unique identifier tag of the container comprises a bar code, a quick response code, a radio frequency identification code, a near field communication code, an icon, a numeric code, an alphanumeric code, or a numerical code.

6. The system of claim 1, wherein the one or more processing devices are further configured to execute computer-readable program code to provide a tamper evident seal to the container.

7. The system of claim 1, wherein the merchant input associated with contents of the container comprises at least one of a total amount of resources in the container, a total value of the resources in the container, a quantity of a denomination of the resources in the container, an identifier of a depositor associated with the merchant, an expected date that the container will be physically deposited, a login credential of the depositor, a password, or verification data for the resources in the container.

8. A computer program product for processing resource deposits, the computer program product comprising at least one non-transitory computer readable medium comprising computer readable instructions, the instructions comprising instructions for:

providing a container comprising a unique identifier tag to a merchant;

providing a deposit application to the merchant for installation on a remote computing device of the merchant;

receiving, from the computing device of the merchant, an indication that the unique identifier tag of the container has been scanned by the computing device of the merchant;

in response to receiving the indication that the unique identifier tag of the container has been scanned, transmitting a deposit alert over a communication channel to the computing device of the merchant, wherein the deposit alert activates the deposit application to display a deposit portal comprising input fields and a request for the merchant to provide a merchant input associated with contents of the container;

receiving, from the computing device of the merchant, the merchant input associated with the contents of the container; and

storing the received merchant input associated with the contents of the container in a deposit database.

9. The computer program product of claim 8, wherein the computer readable instructions further comprise instructions for:

providing a resource processing application to a resource processing center for installation on a remote computing device of the resource processing center;

receiving, from the computing device of the resource processing center, an indication that the unique identifier tag of the container has been scanned by the computing device of the resource processing center; and

in response to receiving the indication that the unique identifier tag of the container has been scanned by the computing device of the resource processing center, transmitting a resource processing alert over a communication channel to the computing device of the resource processing center, wherein the resource processing alert activates the resource processing application to populate one or more processing input fields with the stored merchant input associated with the contents of the container.

10. The computer program product of claim 8, wherein the computer readable instructions further comprise instructions for:

monitoring a historical resource database associated with the merchant;

in response to receiving the merchant input associated with the contents of the container, identifying a proposed deposit amount of resources associated with the contents of the container;

identifying, from the historical resource database associated with the merchant, a current withdrawn amount of resources associated with the merchant, wherein the current withdrawn amount of resources associated with the merchant have been requested by the merchant but are not in transit to the merchant;

in response to identifying the current withdrawn amount of resources associated with the merchant, transmitting a deposit alteration alert over the communication channel to the computing device of the merchant, wherein the deposit alteration alert activates the deposit application to display the deposit portal and a notification to refrain from depositing a portion of the contents of the container associated with the current withdrawn amount of resources; and

canceling a transmittal of the current withdrawn amount of resources to the merchant.

11. The computer program product of claim 8, wherein the computer readable instructions further comprise instructions for:

monitoring a historical resource database associated with the merchant;

in response to receiving the merchant input associated with the contents of the container, identifying a proposed deposit amount of resources associated with the contents of the container;

identifying, from the historical resource database associated with the merchant, an expected withdrawn amount of resources associated with the merchant, wherein the expected withdrawn amount of resources associated with the merchant is an amount of resources expected to be withdrawn by the merchant within a predetermined period of time; and

in response to identifying the expected withdrawn amount of resources associated with the merchant, transmitting a deposit alteration alert over the communication channel to the computing device of the merchant, wherein the deposit alteration alert activates the deposit application to display the deposit portal and a notification to refrain from depositing a portion of the contents of the container associated with the expected withdrawn amount of resources.

12. The computer program product of claim 8, wherein the unique identifier tag of the container comprises a bar code, a quick response code, a radio frequency identification code, a near field communication code, an icon, a numeric code, an alphanumeric code, or a numerical code.

13. The computer program product of claim 8, wherein the computer readable instructions further comprise instructions for providing a tamper evident seal to the container.

14. The computer program product of claim 8, wherein the merchant input associated with contents of the container comprises at least one of a total amount of resources in the container, a total value of the resources in the container, a quantity of a denomination of the resources in the container, an identifier of a depositor associated with the merchant, an expected date that the container will be physically deposited, a login credential of the depositor, a password, or verification data for the resources in the container.

15. A computer implemented method for processing resource deposits, said computer implemented method comprising:

providing, via a computer processor, a container comprising a unique identifier tag to a merchant;

providing, via a computer processor, a deposit application to the merchant for installation on a remote computing device of the merchant;

receiving, via a computer processor, from the computing device of the merchant, an indication that the unique identifier tag of the container has been scanned by the computing device of the merchant;

in response to receiving the indication that the unique identifier tag of the container has been scanned, transmitting, via a computer processor, a deposit alert over a communication channel to the computing device of the merchant, wherein the deposit alert activates the deposit application to display a deposit portal comprising input fields and a request for the merchant to provide a merchant input associated with contents of the container;

receiving, via a computer processor, from the computing device of the merchant, the merchant input associated with the contents of the container; and

storing, via a computer processor, the received merchant input associated with the contents of the container in a deposit database.

16. The computer implemented method of claim 15, further comprising:

providing, via a computer processor, a resource processing application to a resource processing center for installation on a remote computing device of the resource processing center;

receiving, via a computer processor, from the computing device of the resource processing center, an indication that the unique identifier tag of the container has been scanned by the computing device of the resource processing center; and

in response to receiving the indication that the unique identifier tag of the container has been scanned by the computing device of the resource processing center, transmitting, via a computer processor, a resource processing alert over a communication channel to the computing device of the resource processing center, wherein the resource processing alert activates the resource processing application to populate one or more processing input fields with the stored merchant input associated with the contents of the container.

17. The computer implemented method of claim 15, further comprising:

monitoring, via a computer processor, a historical resource database associated with the merchant;

in response to receiving the merchant input associated with the contents of the container, identifying, via a computer processor, a proposed deposit amount of resources associated with the contents of the container;

identifying, via a computer processor, from the historical resource database associated with the merchant, a current withdrawn amount of resources associated with the merchant, wherein the current withdrawn amount of resources associated with the merchant have been requested by the merchant but are not in transit to the merchant;

in response to identifying the current withdrawn amount of resources associated with the merchant, transmitting, via a computer processor, a deposit alteration alert over the communication channel to the computing device of the merchant, wherein the deposit alteration alert activates the deposit application to display the deposit portal and a notification to refrain from depositing a portion of the contents of the container associated with the current withdrawn amount of resources; and

canceling a transmittal of the current withdrawn amount of resources to the merchant.

18. The computer implemented method of claim 15, further comprising:

monitoring, via a computer processor, a historical resource database associated with the merchant;

in response to receiving the merchant input associated with the contents of the container, identifying, via a computer processor, a proposed deposit amount of resources associated with the contents of the container;

identifying, via a computer processor, from the historical resource database associated with the merchant, an expected withdrawn amount of resources associated with the merchant, wherein the expected withdrawn amount of resources associated with the merchant is an amount of resources expected to be withdrawn by the merchant within a predetermined period of time; and

in response to identifying the expected withdrawn amount of resources associated with the merchant, transmitting, via a computer processor, a deposit alteration alert over the communication channel to the computing device of the merchant, wherein the deposit alteration alert activates the deposit application to display the deposit portal and a notification to refrain from depositing a portion of the contents of the container associated with the expected withdrawn amount of resources.

19. The computer implemented method of claim 15, wherein the unique identifier tag of the container comprises a bar code, a quick response code, a radio frequency identification code, a near field communication code, an icon, a numeric code, an alphanumeric code, or a numerical code.

20. The computer implemented method of claim 15, wherein the merchant input associated with contents of the container comprises at least one of a total amount of resources in the container, a total value of the resources in the container, a quantity of a denomination of the resources in the container, an identifier of a depositor associated with the merchant, an expected date that the container will be physically deposited, a login credential of the depositor, a password, or verification data for the resources in the container.