Deposit Permissions For Non-Account Holders

• US 20110288994A1
• Filed: 05/24/2010
• Published: 11/24/2011
• Est. Priority Date: 05/24/2010
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Vannatter, Timothy B., Schwartz, Joshua Bradley, McGraw, William H., Mele, Helene U.
• Application Number:
  US12/786,386
• Publication Number:
  US 20110288994A1
• Time in Patent Office: Days
• US Class Current: 705/43
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Systems and methods for generating an access code are described. A first request to generate an access code for permitting a first individual to deposit monetary funds into an account associated with an entity is received. The first individual is not an account owner of the account. The access code for permitting the first individual to deposit monetary funds into the account associated with the entity is generated. A second request to output the access code for permitting the first individual to deposit monetary funds into the account associated with the entity is received, and the access code for permitting the first individual to deposit monetary funds into the account associated with the entity is outputted. One or more restrictions may be placed on the ability to deposit monetary funds in the account.

Claims

1. A method comprising:

receiving, at a computer, a first request to generate an access code for permitting a first individual to deposit monetary funds into an account associated with an entity, the first individual not being an account owner of the account;

generating, at the computer, the access code for permitting the first individual to deposit monetary funds into the account associated with the entity;

receiving, at the computer, a second request to output the access code for permitting the first individual to deposit monetary funds into the account associated with the entity; and

outputting, by the computer, the access code for permitting the first individual to deposit monetary funds into the account associated with the entity.

2. The method of claim 1, further comprising receiving at least one account owner defined criterion associated with the access code.

3. The method of claim 2, wherein the at least one account owner defined criterion associated with the access code includes at least one restriction associated with a user of the access code by the first individual.

4. The method of claim 3, wherein the at least one restriction includes a period of time the access code may be used to permit deposit of monetary funds in the account by the first individual.

5. The method of claim 3, wherein the at least one restriction includes a threshold amount of monetary funds permitted to be deposited in the account by the first individual.

6. The method of claim 5, wherein the threshold is a maximum amount of monetary funds permitted to be deposited in the account by the first individual.

7. The method of claim 1, wherein the access code is a barcode.

8. The method of claim 1, wherein the access code is a barcode and the outputting includes outputting a paper ticket including the barcode.

9. The method of claim 1, wherein the outputting includes outputting an email with the access code included in the email.

10. The method of claim 1, the method further comprising:

generating an Internet accessible address to the access code,

wherein the outputting includes outputting the Internet accessible address to the access code.

11. The method of claim 1, wherein the computer is an automated teller machine (ATM) and the outputting includes outputting, by the ATM, a paper ticket including the access code.

12. An apparatus comprising:

at least one processor; and

at least one memory having stored therein computer executable instructions, that when executed by the at least one processor, cause the apparatus to perform a method of;

receiving a first request to generate an access code for permitting a first individual to deposit monetary funds into an account associated with an entity, the first individual not being an account owner of the account,

generating the access code for permitting the first individual to deposit monetary funds into the account associated with the entity,

receiving a second request to output the access code for permitting the first individual to deposit monetary funds into the account associated with the entity, and

outputting the access code for permitting the first individual to deposit monetary funds into the account associated with the entity.

13. The apparatus of claim 12, the computer executable instructions, that when executed by the at least one processor, further cause the apparatus to perform receiving at least one account owner defined restriction associated with a user of the access code by the first individual.

14. The apparatus of claim 12, further comprising at least one printer configured to output a paper ticket including the access code.

15. The apparatus of claim 14, wherein the access code is a barcode.

16. The apparatus of claim 12, the outputting including outputting an email with the access code included in the email.

17. The apparatus of claim 12, the computer executable instructions, that when executed by the at least one processor, further cause the apparatus to perform generating an Internet accessible address to the access code, wherein the outputting includes outputting the Internet accessible address to the access code.

18. The apparatus of claim 12, wherein the apparatus is an automated teller machine (ATM) and the outputting includes outputting, by the ATM, a paper ticket including the access code.

19. One or more computer-readable media storing computer-readable instructions that, when executed by at least one computer, cause the at least one computer to perform a method of:

receiving, at a computer, a first request to generate an access code for permitting a first individual to deposit monetary funds into an account associated with an entity, the first individual not being an account owner of the account;

generating, at the computer, the access code for permitting the first individual to deposit monetary funds into the account associated with the entity;

receiving, at the computer, a second request to output the access code for permitting the first individual to deposit monetary funds into the account associated with the entity; and

outputting, by the computer, the access code for permitting the first individual to deposit monetary funds into the account associated with the entity.

20. The one or more computer-readable media of claim 19, the computer-readable instructions that, when executed by at least one computer, further cause the at least one computer to perform receiving at least one account owner defined criterion associated with the access code.

21. The one or more computer-readable media of claim 20, wherein the at least one account owner defined criterion associated with the access code includes at least one restriction associated with a user of the access code by the first individual.

22. The one or more computer-readable media of claim 19, wherein the access code is a barcode and the outputting includes outputting a paper ticket including the barcode.

23. The one or more computer-readable media of claim 19, wherein the outputting includes outputting an email with the access code included in the email.

24. The one or more computer-readable media of claim 19, the computer-readable instructions that, when executed by at least one computer, further cause the at least one computer to perform generating an Internet accessible address to the access code, wherein the outputting includes outputting the Internet accessible address to the access code.