System for providing on-demand resource delivery to resource dispensers

• US 10,515,518 B2
• Filed: 05/18/2017
• Issued: 12/24/2019
• 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, Koval, David Joseph, Monk, Kristy Lynn, Owes, Keith Dion, Carter, Brett C., Pierce, Jr., James Wayland, Zemaitis, John, Bunn, Kim Leah, Sullivan, Sherri, Wallace, Matthew Joseph, Smith, Veronica
• Primary Examiner(s): Obeid, Fahd A
• Assistant Examiner(s): Walker, Michael Jared
• Application Number:
  US15/598,579
• Publication Number:
  US 20180336766A1
• Time in Patent Office: 950 Days
• CPC Class Codes: G06Q 10/083 Shipping
• CPC Class Codes: G06Q 10/087 Inventory or stock management, e.g. order filling, procurement or balancing against orders
• CPC Class Codes: G07F 19/209 Monitoring, auditing or diagnose of functioning of ATMs
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network

Abstract

Embodiments of the present invention provide a system for managing and/or operating a nodal grid network in which resources are received, dispensed, and transferred throughout the nodal grid network. The nodal network may comprise automated teller machines, merchant stores, delivery vehicles, processing centers, and the like. The system scans resource notes for important and sometimes unique information as the resource notes are received and/or dispensed at each of the nodes. This information about the resource notes and the nodes of the network can be recorded and stored in real-time, such that the system can make real-time decisions regarding how to address any necessary adjustments of resource quantities at each node. Furthermore, historical nodal data can be analyzed to identify trends at each node, and this historical data can be extrapolated to provide insight into an expected health of each node at future points in time.

Claims

1. A system for providing on-demand resource delivery to resource dispensers, 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;

monitor, continuously, a plurality of sets of resource notes at a plurality of nodes across a physical geographic region, wherein each of the plurality of sets of resource notes are within physical containers each comprising an associated unique identifier tag, and wherein monitoring comprises;

determining when each of the plurality of sets of resource notes are received at each of the plurality of nodes and automatically scanning the associated unique identifier tag for each of the plurality of sets of resource notes to determine, based on the associated unique identifier tag for each of the plurality of sets of resource notes, denomination data associated with each of the plurality of sets of resource notes in real-time as they are received;

determining when each of the plurality of sets of resource notes are dispensed from each of the plurality of nodes and automatically scanning the associated unique identifier tag for each of the plurality of sets of resource notes to determine the denomination data associated with each of the plurality of sets of resource notes in real-time as they are dispensed, wherein determining the denomination data associated with an individual set of resource notes of the plurality of sets of resource notes at an individual node of the plurality of nodes comprises;

receiving an indication that a first entity associated with the individual node has scanned a unique identifier tag associated with the individual set of resource notes;

in response to receiving the indication that the unique identifier tag associated with the individual set of resource notes has been scanned, transmitting a deposit alert over a communication channel to a computing device of the first entity, wherein the deposit alert activates a deposit application stored on the computing device of the first entity to display a deposit portal comprising input fields and a request for the first entity to provide entity input associated with contents of the container that includes the denomination data associated with the individual set of resource notes; and

receiving, from the computing device of the first entity, the entity input associated with the contents of the container and associating the denomination data associated with the individual set of resource notes with the unique identifier for the individual set of resource notes; and

storing monitored data for each of the plurality of nodes in a resource grid database, wherein the stored monitored data comprises nodal location data, time data associated with each of the plurality of sets of resource notes that are received and dispensed at each of the plurality of nodes, and the denomination data for each of the plurality of the received and the dispensed sets of resource notes;

determine, based on the stored monitored data, that a first node of the plurality of nodes requires an adjustment of an amount of resource notes present at the first node; and

in response to determining that the first node requires the adjustment of the amount of resource notes present at the first node, transmit an instruction to cause a delivery vehicle to provide the adjustment to the amount of resource notes present at the first node.

2. The system of claim 1, wherein determining that the first node of the plurality of nodes requires the adjustment of the amount of resource notes present at the first node comprises:

determining a trend of the amount of resource notes that are present at the first node over a period of time;

determining, based on the trend, a predicted amount of resource notes that are expected to be present at the first node at a future point in time; and

determining that the predicted amount of resource notes that are expected to be present at the first node at the future point in time is below or above a threshold amount of resource notes.

3. The system of claim 2, wherein transmitting the instruction to cause the delivery vehicle to provide the adjustment to the amount of resource notes comprises instructions to provide the adjustment before the future point in time.

4. The system of claim 1, wherein providing the adjustment to the amount of resource notes present at the first node comprises providing an additional amount of resource notes to be added to the first node.

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

determine, based on the stored monitored data, that a second node of the plurality of nodes requires a reduction of an amount of resource notes present at the second node; and

in response to determining that the first node requires the adjustment of the amount of resource notes present at the first node, and in response to determining that the second node requires the reduction of the amount of resource notes present at the second node, transmit an instruction to cause the delivery vehicle to reduce the amount of resource notes present at the second node and provide the additional amount of resource notes to be added to the first node.

6. The system of claim 1, wherein providing the adjustment to the amount of resource notes present at the first node comprises reducing the amount of resource notes at the first node.

7. The system of claim 6, wherein the one or more processing devices are further configured to execute computer-readable program code to:

determine, based on the stored monitored data, that a second node of the plurality of nodes requires an addition to an amount of resource notes to the second node; and

in response to determining that the first node requires the adjustment of the amount of resource notes present at the first node, and in response to determining that the second node requires the addition to the amount of resource notes to the second node, transmit an instruction to cause the delivery vehicle to reduce the amount of resource notes at the first node and to provide the addition to the amount of resource notes to the second node.

8. The system of claim 1, wherein each of the plurality of nodes comprise one or more automated teller machines, point of sale devices, mobile devices associated with users, delivery vehicles, or merchant locations.

9. A computer program product for providing on-demand resource delivery to resource dispensers, the computer program product comprising at least one non-transitory computer readable medium comprising computer readable instructions, the instructions comprising instructions for:

monitoring, continuously, a plurality of sets of resource notes at a plurality of nodes across a physical geographic region, wherein each of the plurality of sets of resource notes are within physical containers each comprising an associated unique identifier tag, and wherein monitoring comprises;

determining when each of the plurality of sets of resource notes are received at each of the plurality of nodes and automatically scanning the associated unique identifier tag for each of the plurality of sets of resource notes to determine, based on the associated unique identifier tag for each of the plurality of sets of resource notes, denomination data associated with each of the plurality of sets of resource notes in real-time as they are received;

determining when each of the plurality of sets of resource notes are dispensed from each of the plurality of nodes and automatically scanning the associated unique identifier tag for each of the plurality of sets of resource notes to determine the denomination data associated with each of the plurality of sets of resource notes in real-time as they are dispensed, wherein determining the denomination data associated with an individual set of resource notes of the plurality of sets of resource notes at an individual node of the plurality of nodes comprises;

receiving an indication that a first entity associated with the individual node has scanned a unique identifier tag associated with the individual set of resource notes;

in response to receiving the indication that the unique identifier tag associated with the individual set of resource notes has been scanned, transmitting a deposit alert over a communication channel to a computing device of the first entity, wherein the deposit alert activates a deposit application stored on the computing device of the first entity to display a deposit portal comprising input fields and a request for the first entity to provide entity input associated with contents of the container that includes the denomination data associated with the individual set of resource notes; and

receiving, from the computing device of the first entity, the entity input associated with the contents of the container and associating the denomination data associated with the individual set of resource notes with the unique identifier for the individual set of resource notes; and

storing monitored data for each of the plurality of nodes in a resource grid database, wherein the stored monitored data comprises nodal location data, time data associated with each of the plurality of sets of resource notes that are received and dispensed at each of the plurality of nodes, and the denomination data for each of the plurality of the received and the dispensed sets of resource notes;

determining, based on the stored monitored data, that a first node of the plurality of nodes requires an adjustment of an amount of resource notes present at the first node; and

in response to determining that the first node requires the adjustment of the amount of resource notes present at the first node, transmitting an instruction to cause a delivery vehicle to provide the adjustment to the amount of resource notes present at the first node.

10. The computer program product of claim 9, wherein determining that the first node of the plurality of nodes requires the adjustment of the amount of resource notes present at the first node comprises:

determining a trend of the amount of resource notes that are present at the first node over a period of time;

determining, based on the trend, a predicted amount of resource notes that are expected to be present at the first node at a future point in time; and

determining that the predicted amount of resource notes that are expected to be present at the first node at the future point in time is below or above a threshold amount of resource notes.

11. The computer program product of claim 10, wherein transmitting the instruction to cause the delivery vehicle to provide the adjustment to the amount of resource notes comprises instructions to provide the adjustment before the future point in time.

12. The computer program product of claim 9, wherein providing the adjustment to the amount of resource notes present at the first node comprises providing an additional amount of resource notes to be added to the first node.

13. The computer program product of claim 12, wherein the computer readable instructions further comprise instructions for:

determining, based on the stored monitored data, that a second node of the plurality of nodes requires a reduction of an amount of resource notes present at the second node; and

in response to determining that the first node requires the adjustment of the amount of resource notes present at the first node, and in response to determining that the second node requires the reduction of the amount of resource notes present at the second node, transmitting an instruction to cause the delivery vehicle to reduce the amount of resource notes present at the second node and provide the additional amount of resource notes to be added to the first node.

14. The computer program product of claim 9, wherein providing the adjustment to the amount of resource notes present at the first node comprises reducing the amount of resource notes at the first node.

15. The computer program product of claim 14, wherein the computer readable instructions further comprise instructions for:

determining, based on the stored monitored data, that a second node of the plurality of nodes requires an addition to an amount of resource notes to the second node; and

in response to determining that the first node requires the adjustment of the amount of resource notes present at the first node, and in response to determining that the second node requires the addition to the amount of resource notes to the second node, transmitting an instruction to cause the delivery vehicle to reduce the amount of resource notes at the first node and to provide the addition to the amount of resource notes to the second node.

16. The computer program product of claim 9, wherein each of the plurality of nodes comprise one or more automated teller machines, point of sale devices, mobile devices associated with users, delivery vehicles, or merchant locations.

17. A computer implemented method for providing on-demand resource delivery to resource dispensers, said computer implemented method comprising:

monitoring, continuously, a plurality of sets of resource notes at a plurality of nodes across a physical geographic region, wherein each of the plurality of sets of resource notes are within physical containers each comprising an associated unique identifier tag, and wherein monitoring comprises;

determining when each of the plurality of sets of resource notes are received at each of the plurality of nodes and automatically scanning the associated unique identifier tag for each of the plurality of sets of resource notes to determine, based on the associated unique identifier tag for each of the plurality of sets of resource notes, denomination data associated with each of the plurality of sets of resource notes in real-time as they are received;

determining when each of the plurality of sets of resource notes are dispensed at each of the plurality of nodes and automatically scanning the associated unique identifier tag for each of the plurality of sets of resource notes to determine the denomination data associated with each of the plurality of resource notes in real-time as they are dispensed, wherein determining the denomination data associated with an individual set of resource notes of the plurality of sets of resource notes at an individual node of the plurality of nodes comprises;

receiving an indication that a first entity associated with the individual node has scanned a unique identifier tag associated with the individual set of resource notes;

in response to receiving the indication that the unique identifier tag associated with the individual set of resource notes has been scanned, transmitting a deposit alert over a communication channel to a computing device of the first entity, wherein the deposit alert activates a deposit application stored on the computing device of the first entity to display a deposit portal comprising input fields and a request for the first entity to provide entity input associated with contents of the container that includes the denomination data associated with the individual set of resource notes; and

receiving, from the computing device of the first entity, the entity input associated with the contents of the container and associating the denomination data associated with the individual set of resource notes with the unique identifier for the individual set of resource notes; and

storing monitored data for each of the plurality of nodes in a resource grid database, wherein the stored monitored data comprises nodal location data, time data associated with each of the plurality of sets of resource notes that are received and dispensed at each of the plurality of nodes, and the denomination data for each of the plurality of the received and the dispensed sets of resource notes;

determining, based on the stored monitored data, that a first node of the plurality of nodes requires an adjustment of an amount of resource notes present at the first node; and

in response to determining that the first node requires the adjustment of the amount of resource notes present at the first node, transmitting an instruction to cause a delivery vehicle to provide the adjustment to the amount of resource notes present at the first node.

18. The computer implemented method of claim 17, wherein determining that the first node of the plurality of nodes requires the adjustment of the amount of resource notes present at the first node comprises:

determining a trend of the amount of resource notes that are present at the first node over a period of time;

determining, based on the trend, a predicted amount of resource notes that are expected to be present at the first node at a future point in time; and

determining that the predicted amount of resource notes that are expected to be present at the first node at the future point in time is below or above a threshold amount of resource notes.

19. The computer implemented method of claim 18, wherein transmitting the instruction to cause the delivery vehicle to provide the adjustment to the amount of resource notes comprises instructions to provide the adjustment before the future point in time.

20. The computer implemented method of claim 17, wherein each of the plurality of nodes comprise one or more automated teller machines, point of sale devices, mobile devices associated with users, delivery vehicles, or merchant locations.