System and method for smart deposit retrieval

• US 9,582,971 B2
• Filed: 01/05/2016
• Issued: 02/28/2017
• Est. Priority Date: 03/13/2013
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Johnson, Tyler R.
• Primary Examiner(s): LE, THIEN MINH
• Application Number:
  US14/987,815
• Publication Number:
  US 20160117892A1
• Time in Patent Office: 420 Days
• Field of Search: 235/379, 235/380, 235/382
• US Class Current: 1/1
• CPC Class Codes: G06K 19/06037 multi-dimensional coding
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G07D 11/225 for detecting or indicating tampering
• CPC Class Codes: G07F 19/202 Depositing operations within ATMs depositing in general G07D11/00

Abstract

A system includes a processor and an interface. The interface receives, from a terminal, planned-deposit information. The terminal is at a location that is remote from a deposit location. The processor associates a deposit identifier with the planned-deposit information and stores the planned-deposit information and the deposit identifier in a memory.

A method includes recognizing, at a deposit location, a deposit identifier. The method includes identifying, based on the deposit identifier and information stored in a memory, a planned deposit. The method includes detecting that the planned deposit has been delivered to a depository and determining, by a processor and based on one or more business rules, an availability of funds associated with the planned deposit.

Claims

1. A system comprising:

one or more processors, the one or more processors operable to;

receive a deposit identifier for a deposit bag, the deposit identifier associated with planned-deposit information and printed at a terminal located remotely from a deposit location, the deposit identifier received from a scanner that scans the deposit bag at the deposit location;

send a command to release an opening of a depository located at the deposit location, the command sent in response to receiving the deposit identifier from the scanner;

determine that the depository has received the deposit bag;

update a manifest to indicate that the deposit bag was received;

post the planned-deposit immediately in response to determining, based on deposit-location information and the deposit identifier, that the planned-deposit has been authorized for immediate posting;

determine that the depository has received a second deposit bag associated with a second deposit identifier for a second planned-deposit;

post the second planned-deposit after a specified period of time in response to determining, based on second deposit-location information and the second deposit identifier, that the second planned-deposit has not been authorized for immediate posting and that the second planned-deposit has been authorized for posting after the specified period of time;

determine that the depository has received a third deposit bag associated with a third deposit identifier for a third planned-deposit;

post the third planned-deposit after receiving a verification in response to determining, based on third deposit-location information and the third deposit identifier, that the third planned-deposit has not been authorized for immediate posting and has not been authorized for posting after the specified period of time;

communicate at least a portion of the manifest to a transit operator; and

reconcile the manifest based on the deposit bags that the transit operator picks up from the depository;

wherein the manifest includes an entry for each of a plurality of deposit bags deposited in the depository, and each entry includes one or more of a date of deposit, a time of deposit, and the deposit identifier of the respective deposit bag.

2. The system of claim 1, wherein the one or more processors communicates only the portion of the manifest comprising entries for deposits made since the last pickup from the depository.

3. The system of claim 1, wherein the manifest is communicated to the transit operator via an interface at the deposit location or the manifest is communicated to the transit operator via an e-mail to a device accessible to the transit operator.

4. The system of claim 1, wherein the deposit identifier is one of the following:

a barcode;

a QR code; and

a 3D identifier operable to be recognized by a 3D scanner.

5. Non-transitory computer readable medium comprising logic, the logic, when executed by one or more processors, operable to:

receive a deposit identifier for a deposit bag, the deposit identifier associated with planned-deposit information and printed at a terminal located remotely from a deposit location, the deposit identifier received from a scanner that scans the deposit bag at the deposit location;

send a command to release an opening of a depository located at the deposit location, the command sent in response to receiving the deposit identifier from the scanner;

determine that the depository has received the deposit bag;

update a manifest to indicate that the deposit bag was received;

post the planned-deposit immediately in response to determining, based on deposit-location information and the deposit identifier, that the planned-deposit has been authorized for immediate posting;

determine that the depository has received a second deposit bag associated with a second deposit identifier for a second planned-deposit;

post the second planned-deposit after a specified period of time in response to determining, based on second deposit-location information and the second deposit identifier, that the second planned-deposit has not been authorized for immediate posting and that the second planned-deposit has been authorized for posting after the specified period of time;

determine that the depository has received a third deposit bag associated with a third deposit identifier for a third planned-deposit;

post the third planned-deposit after receiving a verification in response to determining, based on third deposit-location information and the third deposit identifier, that the third planned-deposit has not been authorized for immediate posting and has not been authorized for posting after the specified period of time;

communicate at least a portion of the manifest to a transit operator; and

reconcile the manifest based on the deposit bags that the transit operator picks up from the depository;

wherein the manifest includes an entry for each of a plurality of deposit bags deposited in the depository, and each entry includes one or more of a date of deposit, a time of deposit, and the deposit identifier of the respective deposit bag.

6. The medium of claim 5, wherein the logic communicates only the portion of the manifest comprising entries for deposits made since the last pickup from the depository.

7. The medium of claim 5, wherein the manifest is communicated to the transit operator via an interface at the deposit location or the manifest is communicated to the transit operator via an e-mail to a device accessible to the transit operator.

8. The medium of claim 5, wherein the deposit identifier is one of the following:

a barcode;

a QR code; and

a 3D identifier operable to be recognized by a 3D scanner.

9. A method comprising:

receiving, by one or more processors, a deposit identifier for a deposit bag, the deposit identifier associated with planned-deposit information and printed at a terminal located remotely from a deposit location, the deposit identifier received from a scanner that scans the deposit bag at the deposit location;

sending, by the one or more processors, a command to release an opening of a depository located at the deposit location, the command sent in response to receiving the deposit identifier from the scanner;

determining, by the one or more processors, that the depository has received the deposit bag;

updating, by the one or more processors, a manifest to indicate that the deposit bag was received;

posting the planned-deposit immediately in response to determining, based on deposit-location information and the deposit identifier, that the planned-deposit has been authorized for immediate posting;

determining that the depository has received a second deposit bag associated with a second deposit identifier for a second planned-deposit;

posting the second planned-deposit after a specified period of time in response to determining, based on second deposit-location information and the second deposit identifier, that the second planned-deposit has not been authorized for immediate posting and that the second planned-deposit has been authorized for posting after the specified period of time;

determining that the depository has received a third deposit bag associated with a third deposit identifier for a third planned-deposit;

posting the third planned-deposit after receiving a verification in response to determining, based on third deposit-location information and the third deposit identifier, that the third planned-deposit has not been authorized for immediate posting and has not been authorized for posting after the specified period of time;

communicating at least a portion of the manifest to a transit operator; and

reconciling the manifest based on the deposit bags that the transit operator picks up from the depository;

wherein the manifest includes an entry for each of a plurality of deposit bags deposited in the depository, and each entry includes one or more of a date of deposit, a time of deposit, and the deposit identifier of the respective deposit bag.

10. The method of claim 9, wherein the method communicates only the portion of the manifest comprising entries for deposits made since the last pickup from the depository.

11. The method of claim 9, wherein the manifest is communicated to the transit operator via an interface at the deposit location or the manifest is communicated to the transit operator via an e-mail to a device accessible to the transit operator.