Banking systems controlled by data bearing records
First Claim
1. A cash handling device, comprising:
- at least one processor;
a communication interface;
an item accepting device;
an item dispensing device;
an internal currency scanning system;
an internal currency transport system;
one or more currency storage cartridges; and
memory storing computer-readable instructions that, when executed by the at least one processor, cause the cash handling device to;
receive, via the communication interface, and from at least one banking server, user settings for the cash handling device, wherein receiving the user settings for the cash handling device from the at least one banking server comprises receiving one or more usernames and passwords associated with one or more authorized users of the cash handling device;
store, in the memory of the cash handling device, the user settings for the cash handling device received from the at least one banking server;
receive, from a first user of the cash handling device, a request to perform a deposit transaction at a deployment location of the cash handling device;
authenticate the first user of the cash handling device based on the user settings for the cash handling device received from the at least one banking server, wherein authenticating the first user of the cash handling device based on the user settings for the cash handling device received from the at least one banking server comprises authenticating the first user of the cash handling device based on one or more of the one or more usernames and passwords associated with the one or more authorized users of the cash handling device received from the at least one banking server;
after authenticating the first user of the cash handling device, receive, via the item accepting device, at least one deposit item for deposit at the deployment location of the cash handling device;
validate the at least one deposit item received for deposit at the deployment location of the cash handling device;
based on validating the at least one deposit item received for deposit at the deployment location of the cash handling device, generate a deposit transaction record associated with the request to perform the deposit transaction, the deposit transaction record comprising deposit information directing the at least one banking server to apply a provisional credit to at least one treasury account associated with the first user of the cash handling device; and
send, via the communication interface, and to the at least one banking server, the deposit transaction record.
1 Assignment
0 Petitions
Accused Products
Abstract
A cash handling device having at least one processor, a communication interface, an item accepting device, an item dispensing device, an internal currency scanning system, an internal currency transport system, one or more currency storage cartridges, and a memory may receive, from a user, a request to perform a deposit transaction. Based on receiving the request to perform the deposit transaction, the cash handling device may receive at least one deposit item for deposit. Subsequently, the cash handling device may validate the at least one deposit item received for deposit. Based on validating the at least one deposit item received for deposit, the cash handling device may generate a deposit transaction record that includes information directing a banking server to apply a provisional credit to a treasury account associated with the user. Subsequently, the cash handling device may send the deposit transaction record to the banking server.
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Citations
20 Claims
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1. A cash handling device, comprising:
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at least one processor; a communication interface; an item accepting device; an item dispensing device; an internal currency scanning system; an internal currency transport system; one or more currency storage cartridges; and memory storing computer-readable instructions that, when executed by the at least one processor, cause the cash handling device to; receive, via the communication interface, and from at least one banking server, user settings for the cash handling device, wherein receiving the user settings for the cash handling device from the at least one banking server comprises receiving one or more usernames and passwords associated with one or more authorized users of the cash handling device; store, in the memory of the cash handling device, the user settings for the cash handling device received from the at least one banking server; receive, from a first user of the cash handling device, a request to perform a deposit transaction at a deployment location of the cash handling device; authenticate the first user of the cash handling device based on the user settings for the cash handling device received from the at least one banking server, wherein authenticating the first user of the cash handling device based on the user settings for the cash handling device received from the at least one banking server comprises authenticating the first user of the cash handling device based on one or more of the one or more usernames and passwords associated with the one or more authorized users of the cash handling device received from the at least one banking server; after authenticating the first user of the cash handling device, receive, via the item accepting device, at least one deposit item for deposit at the deployment location of the cash handling device; validate the at least one deposit item received for deposit at the deployment location of the cash handling device; based on validating the at least one deposit item received for deposit at the deployment location of the cash handling device, generate a deposit transaction record associated with the request to perform the deposit transaction, the deposit transaction record comprising deposit information directing the at least one banking server to apply a provisional credit to at least one treasury account associated with the first user of the cash handling device; and send, via the communication interface, and to the at least one banking server, the deposit transaction record. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A method, comprising:
at a cash handling device comprising at least one processor, a communication interface, an item accepting device, an item dispensing device, an internal currency scanning system, an internal currency transport system, one or more currency storage cartridges, and a memory; receiving, by the cash handling device, via the communication interface, and from at least one banking server, user settings for the cash handling device, wherein receiving the user settings for the cash handling device from the at least one banking server comprises receiving one or more usernames and passwords associated with one or more authorized users of the cash handling device; storing, by the cash handling device, in the memory of the cash handling device, the user settings for the cash handling device received from the at least one banking server; receiving, by the cash handling device, from a first user of the cash handling device, a request to perform a deposit transaction at a deployment location of the cash handling device; authenticating, by the cash handling device, the first user of the cash handling device based on the user settings for the cash handling device received from the at least one banking server, wherein authenticating the first user of the cash handling device based on the user settings for the cash handling device received from the at least one banking server comprises authenticating the first user of the cash handling device based on one or more of the one or more usernames and passwords associated with the one or more authorized users of the cash handling device received from the at least one banking server; after authenticating the first user of the cash handling device, receiving, by the cash handling device, via the item accepting device, at least one deposit item for deposit at the deployment location of the cash handling device; validating, by the cash handling device, the at least one deposit item received for deposit at the deployment location of the cash handling device; based on validating the at least one deposit item received for deposit at the deployment location of the cash handling device, generating, by the cash handling device, a deposit transaction record associated with the request to perform the deposit transaction, the deposit transaction record comprising deposit information directing the at least one banking server to apply a provisional credit to at least one treasury account associated with the first user of the cash handling device; and sending, by the cash handling device, via the communication interface, and to the at least one banking server, the deposit transaction record. - View Dependent Claims (15, 16, 17)
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18. One or more non-transitory computer-readable media storing instructions that, when executed by a cash handling device comprising at least one processor, a communication interface, an item accepting device, an item dispensing device, an internal currency scanning system, an internal currency transport system, one or more currency storage cartridges, and a memory, cause the cash handling device to:
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receive, via the communication interface, and from at least one banking server, user settings for the cash handling device, wherein receiving the user settings for the cash handling device from the at least one banking server comprises receiving one or more usernames and passwords associated with one or more authorized users of the cash handling device; store, in the memory of the cash handling device, the user settings for the cash handling device received from the at least one banking server; receive, from a first user of the cash handling device, a request to perform a deposit transaction at a deployment location of the cash handling device; authenticate the first user of the cash handling device based on the user settings for the cash handling device received from the at least one banking server, wherein authenticating the first user of the cash handling device based on the user settings for the cash handling device received from the at least one banking server comprises authenticating the first user of the cash handling device based on one or more of the one or more usernames and passwords associated with the one or more authorized users of the cash handling device received from the at least one banking server; after authenticating the first user of the cash handling device, receive, via the item accepting device, at least one deposit item for deposit at the deployment location of the cash handling device; validate the at least one deposit item received for deposit at the deployment location of the cash handling device; based on validating the at least one deposit item received for deposit at the deployment location of the cash handling device, generate a deposit transaction record associated with the request to perform the deposit transaction, the deposit transaction record comprising deposit information directing the at least one banking server to apply a provisional credit to at least one treasury account associated with the first user of the cash handling device; and send, via the communication interface, and to the at least one banking server, the deposit transaction record. - View Dependent Claims (19, 20)
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Specification