Deposit system and method of taking deposits

• US 20040210515A1
• Filed: 04/17/2003
• Published: 10/21/2004
• Est. Priority Date: 04/17/2003
• Status: Abandoned Application

• Current Assignee: Canadian Imperial Bank of Commerce, NamSys, Inc.
• Original Assignee: Canadian Imperial Bank of Commerce, NamSys, Inc.
• Inventors: Hughes, Grant
• Application Number:
  US10/417,159
• Publication Number:
  US 20040210515A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: E05G 1/06 having provision for multiple compartments
• CPC Class Codes: E05G 7/001 Bank depositories automatic safe-deposit box systems E05G1/06
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G07D 11/0096 Accepting paper currency or other valuables in containers, e.g. in code-marked envelopes

Abstract

The present invention provides a deposit system and a method for receiving a deposit from a user. In an aspect, a deposit system for receiving a deposit from a user is provided. The deposit system includes a deposit processor having a user interface to permit the user to communicate deposit information to the deposit processor before the user makes the deposit, the deposit information including an indication of type of the deposit as being one of a cash deposit and a non-cash deposit; at least one safe operatively attached to the deposit processor, each safe being configured to receive at least one of a cash deposit and a non-cash deposit and each safe having a first lockable access thereto, the at least one safe capable of receiving cash deposits and non-cash deposits; and a reader, operatively connected to the deposit processor, to read a label of the deposit to identify the deposit using the deposit information. Upon the deposit being identified, the deposit processor unlocks the first lockable access for one of the at least one safe to permit the user to deposit the deposit therein.

Claims

1. A deposit system for receiving a deposit from a user, said deposit system comprising:

(a) a deposit processor having a user interface to permit the user to communicate deposit information to the deposit processor before the user makes said deposit, said deposit information including an indication of type of said deposit as being one of a cash deposit and a non-cash deposit;

(b) at least one safe operatively attached to the deposit processor, each said safe being configured to receive at least one of a cash deposit and a non-cash deposit and each said safe having a first lockable access thereto, said at least one safe capable of receiving cash deposits and non-cash deposits; and

(c) a reader, operatively connected to the deposit processor, to read a label of said deposit to identify said deposit using said deposit information;

wherein, upon said deposit being identified, said deposit processor unlocks said first lockable access for one of said at least one safe to permit said user to deposit said deposit therein.

2. The deposit system recited in claim 1, wherein each said first lockable access comprises a lockable transfer slot and each said safe further includes a second lockable access for removing deposits deposited therein.

3. The deposit system recited in claim 2, wherein at least one of said safes includes a drop sensor to sense passing of said deposit through the lockable transfer slot thereof.

4. The deposit system recited in claim 1, wherein the user interface includes a user identification means to identify the user.

5. The deposit system recited in claim 4, wherein the user identification means includes a card reader.

6. The deposit-system recited in claim 5, the deposit system further including a remote processor and wherein said deposit processor communicates user identification information and said deposit information to said remote processor.

7. The deposit system recited in claim 1, the deposit system further including a remote terminal, wherein the remote terminal is configured to permit the user to communicate said deposit information remotely to the deposit processor.

8. The deposit system recited in claim 1, the deposit system further including a controller cabinet having serviceable equipment located behind a lockable door, the controller cabinet housing the deposit processor and the reader, the lockable door being separate from each of said first lockable accesses.

9. The deposit system recited in claim 8, the deposit system further including at least one sensor associated with said serviceable equipment to sense a status of the serviceable equipment to facilitate servicing the serviceable equipment.

10. The deposit system recited in claim 1, wherein the deposit system comprises at least two safes and wherein one safe of said at least two safes operates to receive cash deposits and another safe of said at least two safes operates to receive non-cash deposits, each of said at least two safes being operatively connected to said deposit processor.

11. The deposit system recited in claim 10, wherein said one safe which operates to receive cash deposits is more securely built than said another safe which operates to receive non-cash deposits.

12. The deposit system recited in claim 11, wherein each said first lockable access of each said safe includes a lockable transfer slot operatively connected to said deposit processor to receive said deposit therein and each said safe further comprises a second lockable access through which to access said safe for removing deposits deposited therein.

13. The deposit system recited in claim 1, wherein the deposit system comprises at least two safes and wherein one safe of said at least two safes operates to receive deposits to be deposited in an account held by a first financial institution and another safe of said at least two safes operates to receive deposits to be deposited in an account held by a second financial institution, each of said at least two safes being operatively connected to said deposit processor.

14. The deposit system recited in claim 1, wherein the deposit system comprises at least two safes and wherein one safe of said at least two safes operates to receive deposits to be processed by a first processing facility and another safe of said at least two safes operates to receive deposits to be processed by a second processing facility, each of said at least two safes being operatively connected to said deposit processor.

15. The deposit system recited in claim 1, wherein said reader is one of a bar-code reader, a radio frequency reader, a magnetic strip reader and an optical character recognition reader.

16. The deposit system recited in claim 1, the deposit system further including a means to read said label of said deposit upon said deposit being removed from said safe into which said deposit was received.

17. The deposit system recited in claim 16, wherein said reader is a first reader and said means to read said label upon said deposit being removed from the safe into which said deposit was received comprises a second reader.

18. The deposit system recited in claim 17, the deposit system further including a means for producing a signal indicating identification by said second reader upon said deposit being removed from said safe into which said deposit was received.

20. The deposit system recited in claim 1, the deposit system further including at least one deposit container bearing said label of said deposit in which said user places said deposit.

21. The deposit system recited in claim 20, wherein said label includes a unique identifier.

22. The deposit system recited in claim 21, wherein said deposit information includes said unique identifier to identify the deposit container containing said deposit.

23. The deposit system recited in claim 22, wherein said deposit information further includes at least one of an identity of said user, an amount of said deposit and an identity of an account into which said deposit is directed to be deposited.

24. The deposit system recited in claim 21, wherein said label includes at least one of an optical bar-code, an electronic radio frequency tag, a magnetic encoding strip and alphanumeric text.

19. The deposit system recited in 17, wherein said second reader is one of a bar-code reader, a radio frequency reader, a magnetic strip reader and an optical character recognition reader.

25. A deposit system for receiving deposits, comprising at least one secure deposit unit configured to receive at least one uniquely identified deposit container from a user, each said deposit unit including user identification means for identifying the user and deposit container identification means for identifying each said uniquely identified deposit container upon deposit by the user at one deposit unit of said at least one deposit unit, each said uniquely identified deposit container being configured to contain a type of deposit being one of a cash deposit and a non-cash deposit, but not both.

26. The deposit system recited in claim 25, the deposit system further including a remote user terminal and a remote processor, said remote processor being configured to communicate with each said deposit unit, and said remote user terminal being configured to receive input from the user and communicate deposit details to the remote processor, said deposit details including an identity of the user and an identity of the uniquely identified deposit container to be deposited by the user at said one deposit unit.

27. The deposit system recited in claim 25, wherein each said uniquely identified deposit container containing a cash deposit is differentiated from each said uniquely identified deposit container containing a non-cash deposit.

28. The deposit system recited in claim 25, wherein each said deposit unit includes a first safe configured to receive any of each said uniquely identified deposit container containing a cash deposit, and a second safe configured to receive any of each said uniquely identified deposit container containing a non-cash deposit.

29. The deposit system recited in claim 28, wherein each of said first and second safes of each said deposit unit is independently accessible.

30. The deposit system recited in claim 25, wherein each said deposit unit comprises at least two safes and wherein one safe of said at least two safes operates to receive deposits to be deposited in an account held by a first financial institution and another safe of said at least two safes operates to receive deposits to be deposited in an account held by a second financial institution.

31. The deposit system recited in claim 25, wherein each said deposit unit comprises at least two safes and wherein one safe of said at least two safes operates to receive deposits to be processed by a first processing facility and another safe of said at least two safes operates to receive deposits to be processed by a second processing facility.

32. The deposit system recited in claim 25, wherein said deposit container identification means is a first deposit container identification means and each said deposit unit further includes a second deposit container identification means for identifying each said uniquely identified deposit container deposited therein upon removal from said deposit unit.

33. The deposit system recited in claim 25, wherein each said uniquely identified deposit container is uniquely identified by means of an identification system associated therewith.

34. The deposit system recited in claim 33, wherein each said identification system is one of an optical bar-coding system, an electronic radio frequency system, a magnetic encoding system and an optical character recognition system.

35. The deposit system recited in claim 32, wherein each said deposit unit further includes a means for producing a signal indicating identification by said second deposit container identification means of each said uniquely identified deposit container deposited therein upon removal from said deposit unit.

36. A method of receiving a deposit from a user, said deposit being received at a deposit unit, said method comprising the steps of:

(i) identifying the user making said deposit, said deposit contained in an uniquely identified deposit container being configured to contain a type of deposit being one of a cash deposit and a non-cash deposit, but not both; and

(ii) identifying the uniquely identified deposit container upon deposit at the deposit unit.

37. The method recited in claim 36, further comprising the steps of:

prior to step (i), accepting deposit details from the user from a remote location, said deposit details including an identity of the user and an identity of the uniquely identified deposit container to be deposited at the deposit unit; and

prior to step (i), storing the deposit details by a remote processor configured for communication with the deposit unit, said remote processor being located remotely of the deposit unit.

38. The method recited in claim 36, wherein each said uniquely identified deposit container containing a cash deposit is differentiated from each said uniquely identified deposit container containing a non-cash deposit.

39. The method recited in claim 38, the method further comprising the step of, prior to step (i), providing a first safe and a second safe at said deposit unit, said first safe configured to receive said uniquely identified deposit container if said uniquely identified deposit container contains a cash deposit, and said second safe configured to receive said uniquely identified deposit container if said uniquely identified deposit container contains a non-cash deposit.

40. The method recited in claim 36, the method further comprising the step of, prior to step (i), providing a first safe and a second safe at said deposit unit, said first safe configured to receive said uniquely identified deposit container if said uniquely identified deposit container is to be deposited in an account held by a first financial institution, and said second safe configured to receive said uniquely identified deposit container if said uniquely identified deposit container is to be deposited in an account held by a second financial institution.

41. The method recited in claim 36, the method further comprising the step of, prior to step (i), providing a first safe and a second safe at said deposit unit, said first safe configured to receive said uniquely identified deposit container if said deposit contained in said uniquely identified deposit container is to be processed by a first processing facility, and said second safe configured to receive said uniquely identified deposit container if said deposit contained in said uniquely identified deposit container is to be processed by a second processing facility.

42. The method recited in claim 36, the method further comprising the step of uniquely identifying the uniquely identified deposit container by means of an identification system associated therewith.

43. The method recited in claim 42, wherein said identification system is one of an optical bar-coding system, a radio frequency electronic system, a magnetic encoding system and an optical character recognition system.

44. The method recited in claim 36, the method further including the steps of collecting the uniquely identified deposit container deposited in said deposit unit and identifying the uniquely identified deposit container as same is collected.

45. The method recited in claim 44, the method further including the step of signalling collection of the uniquely identified deposit container as same is collected.

46. The method recited in claim 36, the method further including the step of collecting deposit information pertaining to contents of the uniquely identified deposit container prior to deposit thereof in said deposit unit, said deposit information including amount of said deposit.

47. The method recited in claim 46, the method further including the step of scheduling collection of the uniquely identified deposit container according to said deposit information.

48. The method recited in claim 46, wherein said deposit information includes type of deposit contained in the uniquely identified deposit container as one of a cash deposit and a non-cash deposit.

49. The method recited in claim 36, wherein the deposit unit has serviceable equipment and the method further includes the step of monitoring the serviceable equipment electronically to maintain a status of the serviceable equipment.

50. A deposit system for receiving a deposit from a user, said deposit system comprising:

(a) a deposit processor having a user interface to permit the user to communicate deposit information to said deposit processor before said user makes said deposit;

(b) at least one safe operatively attached to said deposit processor, each said safe being configured to receive said deposit and having a first lockable access thereto;

(c) a first reader, operatively connected to said deposit processor, to read a label of said deposit so as to identify said deposit, wherein upon said deposit being identified, said deposit processor unlocks said first lockable access corresponding to one safe of said at least one safe to permit said user to deposit said deposit therein; and

(d) a second reader, operatively connected to said deposit processor, to read said label of said deposit upon said deposit being removed from said one safe.