Banking systems controlled by data bearing records
First Claim
1. A cash handling device, comprising:
- at least one processor;
a communication interface communicatively coupled to the at least one processor;
an item accepting device communicatively coupled to the at least one processor;
an item dispensing device communicatively coupled to the at least one processor; and
memory storing computer-readable instructions that, when executed by the at least one processor, cause the cash handling device to;
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;
based on receiving the request to perform the deposit transaction at the deployment location 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 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 the deposit transaction record comprising information identifying one or more denominations of currency received by the cash handling device, one or more quantities of specific denominations of currency received by the cash handling device, a time at which the deposit transaction was completed, a user that performed the deposit transaction, a quantity of deposit items rejected, and one or more destination accounts into which currency was deposited;
send, via the communication interface, and to the at least one banking server, the deposit transaction record;
receive, from a second user of the cash handling device, a request to perform a change order transaction at the deployment location of the cash handling device;
based on receiving the request to perform the change order transaction at the deployment location of the cash handling device, receive, via the item accepting device, at least one change order item for exchange at the deployment location of the cash handling device;
validate the at least one change order item received for exchange at the deployment location of the cash handling device;
based on validating the at least one change order item received for exchange at the deployment location of the cash handling device, dispense, via the item dispensing device, one or more currency items to complete the change order transaction;
generate a change order transaction record associated with the request to perform the change order transaction, the change order transaction record comprising change order information directing the at least one banking server to update one or more transaction history records associated with the second user of the cash handling device; and
send, via the communication interface, and to the at least one banking server, the change order transaction record.
1 Assignment
0 Petitions
Accused Products
Abstract
A cash handling device may receive a request to perform a deposit transaction at a deployment location of the device. The device may receive at least one deposit item. The device may validate the at least one deposit item and generate a deposit transaction record, which may include information directing a server to apply a provisional credit to at least one treasury account. The device may send the deposit transaction record to the server. The device may receive a request to perform a change order transaction and may receive at least one change order item. The device may validate the at least one change order item and may dispense one or more currency items to complete the change order transaction. The device may generate and send, to the server, a change order transaction record, which may include information directing the server to update one or more transaction history records.
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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 communicatively coupled to the at least one processor; an item accepting device communicatively coupled to the at least one processor; an item dispensing device communicatively coupled to the at least one processor; and memory storing computer-readable instructions that, when executed by the at least one processor, cause the cash handling device to; 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; based on receiving the request to perform the deposit transaction at the deployment location 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 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 the deposit transaction record comprising information identifying one or more denominations of currency received by the cash handling device, one or more quantities of specific denominations of currency received by the cash handling device, a time at which the deposit transaction was completed, a user that performed the deposit transaction, a quantity of deposit items rejected, and one or more destination accounts into which currency was deposited; send, via the communication interface, and to the at least one banking server, the deposit transaction record; receive, from a second user of the cash handling device, a request to perform a change order transaction at the deployment location of the cash handling device; based on receiving the request to perform the change order transaction at the deployment location of the cash handling device, receive, via the item accepting device, at least one change order item for exchange at the deployment location of the cash handling device; validate the at least one change order item received for exchange at the deployment location of the cash handling device; based on validating the at least one change order item received for exchange at the deployment location of the cash handling device, dispense, via the item dispensing device, one or more currency items to complete the change order transaction; generate a change order transaction record associated with the request to perform the change order transaction, the change order transaction record comprising change order information directing the at least one banking server to update one or more transaction history records associated with the second user of the cash handling device; and send, via the communication interface, and to the at least one banking server, the change order transaction record. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A method, comprising:
at a cash handling device comprising at least one processor, a communication interface, an item accepting device, an item dispensing device, and a memory; 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; based on receiving the request to perform the deposit transaction at the deployment location 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 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 the deposit transaction record comprising information identifying one or more denominations of currency received by the cash handling device, one or more quantities of specific denominations of currency received by the cash handling device, a time at which the deposit transaction was completed, a user that performed the deposit transaction, a quantity of deposit items rejected, and one or more destination accounts into which currency was deposited; sending, by the cash handling device, via the communication interface, and to the at least one banking server, the deposit transaction record; receiving, by the cash handling device, from a second user of the cash handling device, a request to perform a change order transaction at the deployment location of the cash handling device; based on receiving the request to perform the change order transaction at the deployment location of the cash handling device, receiving, by the cash handling device, via the item accepting device, at least one change order item for exchange at the deployment location of the cash handling device; validating, by the cash handling device, the at least one change order item received for exchange at the deployment location of the cash handling device; based on validating the at least one change order item received for exchange at the deployment location of the cash handling device, dispensing, by the cash handling device, via the item dispensing device, one or more currency items to complete the change order transaction; generating, by the cash handling device, a change order transaction record associated with the request to perform the change order transaction, the change order transaction record comprising change order information directing the at least one banking server to update one or more transaction history records associated with the second 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 change order transaction record. - View Dependent Claims (18, 19)
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20. 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, and a memory, cause the cash handling device to:
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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; based on receiving the request to perform the deposit transaction at the deployment location 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 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 the deposit transaction record comprising information identifying one or more denominations of currency received by the cash handling device, one or more quantities of specific denominations of currency received by the cash handling device, a time at which the deposit transaction was completed, a user that performed the deposit transaction, a quantity of deposit items rejected, and one or more destination accounts into which currency was deposited; send, via the communication interface, and to the at least one banking server, the deposit transaction record; receive, from a second user of the cash handling device, a request to perform a change order transaction at the deployment location of the cash handling device; based on receiving the request to perform the change order transaction at the deployment location of the cash handling device, receive, via the item accepting device, at least one change order item for exchange at the deployment location of the cash handling device; validate the at least one change order item received for exchange at the deployment location of the cash handling device; based on validating the at least one change order item received for exchange at the deployment location of the cash handling device, dispense, via the item dispensing device, one or more currency items to complete the change order transaction; generate a change order transaction record associated with the request to perform the change order transaction, the change order transaction record comprising change order information directing the at least one banking server to update one or more transaction history records associated with the second user of the cash handling device; and send, via the communication interface, and to the at least one banking server, the change order transaction record.
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Specification