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Banking systems controlled by data bearing records

  • US 9,747,758 B1
  • Filed: 04/15/2016
  • Issued: 08/29/2017
  • Est. Priority Date: 04/15/2016
  • Status: Active Grant
First Claim
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1. A cash handling device, comprising:

  • at least one processor;

    a communication interface;

    an item accepting device;

    an item dispensing device;

    an internal currency scanning system;

    an internal currency transport system;

    one or more currency storage cartridges; 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;

    send, via the communication interface, and to the at least one banking server, the deposit transaction record; and

    prior to receiving the request to perform the deposit transaction at the deployment location of the cash handling device;

    receive, via the communication interface, and from the at least one banking server, user profile information defining one or more user settings for the cash handling device;

    store, in the memory of the cash handling device, the user profile information defining the one or more user settings for the cash handling device received from the at least one banking server; and

    authenticate the first user of the cash handling device based on the user profile information defining the one or more user settings for the cash handling device received from the at least one banking server and stored in the memory of the cash handling device.

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