Banking systems controlled by data records

• US 10,453,290 B2
• Filed: 08/25/2017
• Issued: 10/22/2019
• Est. Priority Date: 04/15/2016
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Brancaccio, Joan C.
• Primary Examiner(s): Walsh, Daniel I
• Application Number:
  US15/686,677
• Publication Number:
  US 20170352223A1
• Time in Patent Office: 788 Days
• CPC Class Codes: G07D 11/16 Handling of valuable papers within containers G07D11/13
• CPC Class Codes: G07D 11/20 Controlling or monitoring the operation of devices; Data handling
• CPC Class Codes: G07D 11/28 Setting of parameters; Software updates
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/209 Monitoring, auditing or diagnose of functioning of ATMs

Abstract

A computing platform may receive, from one or more cash handling devices, aggregated activity information comprising a plurality of transaction records. Subsequently, the computing platform may identify one or more deposit transactions based on the aggregated activity information comprising the plurality of transaction records. Based on identifying the one or more deposit transactions, the computing platform may generate one or more account credit commands, which may direct at least one account management computer system to apply one or more provisional credits to one or more treasury accounts associated with the one or more deposit transactions. Subsequently, the computing platform may send, to the at least one account management computer system, the one or more account credit commands directing the at least one account management computer system to apply the one or more provisional credits to the one or more treasury accounts associated with the one or more deposit transactions.

Claims

1. A computing platform, comprising:

at least one processor;

a communication interface communicatively coupled to the at least one processor; and

memory storing computer-readable instructions that, when executed by the at least one processor, cause the computing platform to;

receive, via the communication interface, and from one or more cash handling devices, aggregated activity information comprising a plurality of transaction records;

identify one or more deposit transactions based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices;

based on identifying the one or more deposit transactions based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices, generate one or more account credit commands, the one or more account credit commands directing at least one account management computer system to apply one or more provisional credits to one or more treasury accounts associated with the one or more deposit transactions;

send, via the communication interface, to the at least one account management computer system, the one or more account credit commands directing the at least one account management computer system to apply the one or more provisional credits to the one or more treasury accounts associated with the one or more deposit transactions;

receive, via the communication interface, from a client computing device, a request for a client management portal;

based on receiving the request for the client management portal from the client computing device, provide, via the communication interface, to the client computing device, at least one client management interface, wherein providing the at least one client management interface to the client computing device comprises providing a graphical user interface to the client computing device comprising one or more controls enabling a user of the client computing device to define one or more client-specific settings for at least one cash handling device of the one or more cash handling devices;

receive, via the communication interface, from the client computing device, configuration input defining one or more configuration settings for at least one cash handling device of the one or more cash handling devices, the configuration input being received by the client computing device via the at least one client management interface;

control operation of the at least one cash handling device of the one or more cash handling devices based on the configuration input received from the client computing device by sending, via the communication interface, and to the at least one cash handling device of the one or more cash handling devices, configuration information directing the at least one cash handling device of the one or more cash handling devices to implement the one or more configuration settings defined for the at least one cash handling device of the one or more cash handling devices, wherein sending the configuration information to the at least one cash handling device of the one or more cash handling devices causes the at least one cash handling device of the one or more cash handling devices to implement the one or more configuration settings;

evaluate a currency level indicative of an amount of currency stored in a first cash handling device of the one or more cash handling devices;

identify a restocking need based on evaluating the currency level indicative of the amount of currency stored in the first cash handling device of the one or more cash handling devices;

based on identifying the restocking need, generate a restocking request, the restocking request directing a transport agent to restock the first cash handling device of the one or more cash handling devices; and

send, via the communication interface, to a transport computer system, the restocking request directing the transport agent to restock the first cash handling device of the one or more cash handling devices.

2. The computing platform of claim 1, wherein the plurality of transaction records received from the one or more cash handling devices comprises information identifying, for each transaction, a specific user who performed the transaction, an amount of currency involved in the transaction, a time at which the transaction occurred, and a specific cash handling device on which the transaction was performed.

3. The computing platform of claim 2, wherein receiving the aggregated activity information comprises:

receiving, via the communication interface, and from the first cash handling device of the one or more cash handling devices, first activity information comprising a first plurality of transaction records associated with transactions performed by the first cash handling device; and

receiving, via the communication interface, and from a second cash handling device of the one or more cash handling devices, second activity information comprising a second plurality of transaction records associated with transactions performed by the second cash handling device.

4. The computing platform of claim 3, wherein the first cash handling device is located at a first deployment location, and the second cash handling device is located at a second deployment location different from the first deployment location.

5. The computing platform of claim 1, wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:

generate a client alert message based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices; and

send, via the communication interface, to the client computing device, the client alert message generated based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices.

6. The computing platform of claim 1, wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:

generate an internal alert message based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices; and

send, via the communication interface, to an administrative computing device, the internal alert message generated based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices.

7. The computing platform of claim 1, wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:

receive, via the communication interface, from an administrative computing device, a request for an administrative portal;

based on receiving the request for the administrative portal, provide, via the communication interface, to the administrative computing device, at least one administrative interface;

receive, via the communication interface, from the administrative computing device, second configuration input defining one or more second configuration settings for at least one second cash handling device of the one or more cash handling devices, the second configuration input being received by the administrative computing device via the at least one administrative interface; and

send, via the communication interface, and to the at least one second cash handling device of the one or more cash handling devices, second configuration information directing the at least one second cash handling device of the one or more cash handling devices to implement the one or more second configuration settings.

8. The computing platform of claim 1, wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:

generate one or more reports based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices; and

provide, via the communication interface, to at least one computing device, the one or more reports generated based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices.

9. The computing platform of claim 1, wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:

receive, via the communication interface, from an administrative computing device, reconciliation information associated with at least one deposit transaction completed at the one or more cash handling devices;

based on receiving the reconciliation information associated with the at least one deposit transaction completed at the one or more cash handling devices, generate one or more account update commands, the one or more account update commands directing the at least one account management computer system to convert at least one previously-applied provisional credit to non-provisional credit; and

send, via the communication interface, to the at least one account management computer system, the one or more account update commands directing the at least one account management computer system to convert the at least one previously-applied provisional credit to non-provisional credit.

10. The computing platform of claim 1, wherein controlling the operation of the at least one cash handling device of the one or more cash handling devices based on the configuration input received from the client computing device comprises setting one or more usage limits or alert thresholds on the at least one cash handling device of the one or more cash handling devices based on the configuration input received from the client computing device.

11. A method, comprising:

at a computing platform comprising at least one processor, memory, and a communication interface;

receiving, by the at least one processor, via the communication interface, and from one or more cash handling devices, aggregated activity information comprising a plurality of transaction records;

identifying, by the at least one processor, one or more deposit transactions based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices;

based on identifying the one or more deposit transactions based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices, generating, by the at least one processor, one or more account credit commands, the one or more account credit commands directing at least one account management computer system to apply one or more provisional credits to one or more treasury accounts associated with the one or more deposit transactions;

sending, by the at least one processor, via the communication interface, to the at least one account management computer system, the one or more account credit commands directing the at least one account management computer system to apply the one or more provisional credits to the one or more treasury accounts associated with the one or more deposit transactions;

receiving, by the at least one processor, via the communication interface, from a client computing device, a request for a client management portal;

based on receiving the request for the client management portal from the client computing device, providing, by the at least one processor, via the communication interface, to the client computing device, at least one client management interface, wherein providing the at least one client management interface to the client computing device comprises providing a graphical user interface to the client computing device comprising one or more controls enabling a user of the client computing device to define one or more client-specific settings for at least one cash handling device of the one or more cash handling devices;

receiving, by the at least one processor, via the communication interface, from the client computing device, configuration input defining one or more configuration settings for at least one cash handling device of the one or more cash handling devices, the configuration input being received by the client computing device via the at least one client management interface;

controlling, by the at least one processor, operation of the at least one cash handling device of the one or more cash handling devices based on the configuration input received from the client computing device by sending, via the communication interface, and to the at least one cash handling device of the one or more cash handling devices, configuration information directing the at least one cash handling device of the one or more cash handling devices to implement the one or more configuration settings defined for the at least one cash handling device of the one or more cash handling devices, wherein sending the configuration information to the at least one cash handling device of the one or more cash handling devices causes the at least one cash handling device of the one or more cash handling devices to implement the one or more configuration settings;

evaluating, by the at least one processor, a currency level indicative of an amount of currency stored in a first cash handling device of the one or more cash handling devices;

identifying, by the at least one processor, a restocking need based on evaluating the currency level indicative of the amount of currency stored in the first cash handling device of the one or more cash handling devices;

based on identifying the restocking need, generating, by the at least one processor, a restocking request, the restocking request directing a transport agent to restock the first cash handling device of the one or more cash handling devices; and

sending, by the at least one processor, via the communication interface, to a transport computer system, the restocking request directing the transport agent to restock the first cash handling device of the one or more cash handling devices.

12. The method of claim 11, wherein the plurality of transaction records received from the one or more cash handling devices comprises information identifying, for each transaction, a specific user who performed the transaction, an amount of currency involved in the transaction, a time at which the transaction occurred, and a specific cash handling device on which the transaction was performed.

13. The method of claim 12, wherein receiving the aggregated activity information comprises:

receiving, via the communication interface, and from the first cash handling device of the one or more cash handling devices, first activity information comprising a first plurality of transaction records associated with transactions performed by the first cash handling device; and

receiving, via the communication interface, and from a second cash handling device of the one or more cash handling devices, second activity information comprising a second plurality of transaction records associated with transactions performed by the second cash handling device.

14. The method of claim 13, wherein the first cash handling device is located at a first deployment location, and the second cash handling device is located at a second deployment location different from the first deployment location.

15. The method of claim 14, wherein the first deployment location is a retail banking center operated by a financial institution, and the second deployment location is a shopping mall in which a plurality of retailers operate retail stores.

16. The method of claim 11, comprising:

generating, by the at least one processor, a client alert message based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices; and

sending, by the at least one processor, via the communication interface, to the client computing device, the client alert message generated based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices.

17. The method of claim 11, comprising:

generating, by the at least one processor, an internal alert message based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices; and

sending, by the at least one processor, via the communication interface, to an administrative computing device, the internal alert message generated based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices.

18. One or more non-transitory computer-readable media storing instructions that, when executed by a computing platform comprising at least one processor, memory, and a communication interface, cause the computing platform to:

receive, via the communication interface, and from one or more cash handling devices, aggregated activity information comprising a plurality of transaction records;

identify one or more deposit transactions based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices;

based on identifying the one or more deposit transactions based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices, generate one or more account credit commands, the one or more account credit commands directing at least one account management computer system to apply one or more provisional credits to one or more treasury accounts associated with the one or more deposit transactions;

send, via the communication interface, to the at least one account management computer system, the one or more account credit commands directing the at least one account management computer system to apply the one or more provisional credits to the one or more treasury accounts associated with the one or more deposit transactions;

receive, via the communication interface, from a client computing device, a request for a client management portal;

based on receiving the request for the client management portal from the client computing device, provide, via the communication interface, to the client computing device, at least one client management interface, wherein providing the at least one client management interface to the client computing device comprises providing a graphical user interface to the client computing device comprising one or more controls enabling a user of the client computing device to define one or more client-specific settings for at least one cash handling device of the one or more cash handling devices;

receive, via the communication interface, from the client computing device, configuration input defining one or more configuration settings for at least one cash handling device of the one or more cash handling devices, the configuration input being received by the client computing device via the at least one client management interface;

control operation of the at least one cash handling device of the one or more cash handling devices based on the configuration input received from the client computing device by sending, via the communication interface, and to the at least one cash handling device of the one or more cash handling devices, configuration information directing the at least one cash handling device of the one or more cash handling devices to implement the one or more configuration settings defined for the at least one cash handling device of the one or more cash handling devices, wherein sending the configuration information to the at least one cash handling device of the one or more cash handling devices causes the at least one cash handling device of the one or more cash handling devices to implement the one or more configuration settings;

evaluate a currency level indicative of an amount of currency stored in a first cash handling device of the one or more cash handling devices;

identify a restocking need based on evaluating the currency level indicative of the amount of currency stored in the first cash handling device of the one or more cash handling devices;

based on identifying the restocking need, generate a restocking request, the restocking request directing a transport agent to restock the first cash handling device of the one or more cash handling devices; and

send, via the communication interface, to a transport computer system, the restocking request directing the transport agent to restock the first cash handling device of the one or more cash handling devices.