On-demand cash transport
First Claim
1. A computer-assisted method comprising:
- receiving a deposit request for a deposit of physical monetary items from a client, at a computing device;
retrieving a predetermined monetary threshold from a memory device associated with the computing device;
comparing, by the computing device, the retrieved predetermined threshold with a deposit amount associated with the deposit request to determine whether the deposit amount exceeds the predetermined threshold;
determining, by the computing device, whether a recurring regularly scheduled physical pickup is scheduled within a predetermined time duration; and
based on an outcome of the comparing and an outcome of the determining, requesting an on-demand physical pickup of the deposit from the client through a communications channel when the deposit amount is determined to exceed the predetermined threshold and when the recurring regularly scheduled pickup is determined not to be scheduled within the predetermined time duration, such that the on-demand pickup is not requested when the recurring regularly scheduled pickup is determined to be scheduled within the predetermined time duration.
1 Assignment
0 Petitions
Accused Products
Abstract
An aspect of the invention provides methods and computer media to support on-demand transportation shipments, supply order requests, change orders, and reports. A bank and business partners may coordinate so that a client can schedule pickups of deposits, delivery of change orders, transportation shipments, and reports. When at least one deposit is created at a banking center for one or more banking customers and an aggregate deposit amount exceeds a predetermined amount, an on-demand pickup of the deposits at the banking center is automatically requested. Also, an on-demand pickup of deposits may be automatically requested at a bank customer'"'"'s location when the aggregate deposit amount exceeds a predetermined threshold. Moreover, an on-demand change, supply order, or report order may be automatically submitted when available cash is below a predetermined threshold. The available cash may be based on a total amount of cash or on a currency denomination amount.
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Citations
28 Claims
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1. A computer-assisted method comprising:
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receiving a deposit request for a deposit of physical monetary items from a client, at a computing device; retrieving a predetermined monetary threshold from a memory device associated with the computing device; comparing, by the computing device, the retrieved predetermined threshold with a deposit amount associated with the deposit request to determine whether the deposit amount exceeds the predetermined threshold; determining, by the computing device, whether a recurring regularly scheduled physical pickup is scheduled within a predetermined time duration; and based on an outcome of the comparing and an outcome of the determining, requesting an on-demand physical pickup of the deposit from the client through a communications channel when the deposit amount is determined to exceed the predetermined threshold and when the recurring regularly scheduled pickup is determined not to be scheduled within the predetermined time duration, such that the on-demand pickup is not requested when the recurring regularly scheduled pickup is determined to be scheduled within the predetermined time duration. - View Dependent Claims (2, 3, 4, 5, 6, 7, 19, 20, 21, 22, 23, 24)
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8. A computer-readable storage medium storing computer-executable instructions that, when executed, cause a processor to perform a method comprising:
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receiving a deposit request for a deposit of physical monetary items from a client; retrieving a predetermined monetary threshold from a memory device; comparing the retrieved predetermined threshold with a deposit amount associated with the deposit request to determine whether the deposit amount exceeds the predetermined threshold; determining whether a recurring regularly scheduled physical pickup is scheduled within a predetermined time duration; and based on an outcome of the comparing and an outcome of the determining, requesting an on-demand physical pickup of the deposit from the client through a communications channel when the deposit amount is determined to exceed the predetermined threshold and when the recurring regularly scheduled pickup is determined not to be scheduled within the predetermined time duration, such that the on-demand pickup is not requested when the recurring regularly scheduled pickup is determined to be scheduled within the predetermined time duration. - View Dependent Claims (9, 10, 11, 12)
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13. A computer-assisted method comprising:
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receiving a request from a client for a change order for a sum of physical monetary items in a set of one or more monetary value denominations as specified by the client, at a computing device; retrieving a predetermined monetary threshold from a memory device associated with the computing device; comparing, by the computing device, the retrieved predetermined threshold with available cash of the client, to determine whether the available cash is below the predetermined threshold; and based on an outcome of the comparing, scheduling a physical shipment of the monetary items to the client in the set of one or more monetary value denominations to fill the change order through a communications channel when the available cash is determined to be below the predetermined threshold. - View Dependent Claims (14, 15, 25, 26, 27)
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16. A non-transitory computer-readable storage medium storing computer-executable instructions that, when executed, cause a processor to perform a method comprising:
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receiving a request from a client for a change order for a sum of physical monetary items in a set of one or more monetary value denominations as specified by the client; retrieving a predetermined threshold from a memory device; comparing the retrieved predetermined threshold with available cash of the client, to determine whether the available cash is below the predetermined threshold; and based on an outcome of the comparing, scheduling a physical shipment of the monetary items in the set of one or more monetary value denominations to the client to fill the change order through a communications channel when the available cash is determined to be below the predetermined threshold. - View Dependent Claims (17, 18)
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28. A computer-assisted method comprising:
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receiving a deposit request for a deposit of physical monetary items from a client, at a computing device; retrieving a predetermined threshold from a memory device associated with the computing device; adjusting the predetermined monetary threshold, using the computing device, for an expected deposit amount from a plurality of customers over a desired period of time; comparing, by the computing device, the predetermined threshold with a deposit amount associated with the deposit request, to determine whether the deposit amount exceeds the predetermined threshold; determining, by the computing device, whether a regularly scheduled physical pickup is scheduled within a predetermined time duration in the future; and based on an outcome of the comparing and the determining, requesting an on-demand physical pickup of the deposit from the client through a communications channel when the deposit amount is determined to exceed the predetermined threshold and the regularly scheduled physical pickup is determined not to be scheduled within the predetermined time duration, such that the on-demand pickup is not requested when the regularly scheduled pickup is determined to be scheduled within the predetermined time duration.
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Specification