Process of facilitating financial transactions at point-of-sale employing electronic drop safes and point-of-sale terminals

• US 9,911,108 B2
• Filed: 01/31/2014
• Issued: 03/06/2018
• Est. Priority Date: 08/30/2011
• Status: Active Grant

• Current Assignee: Brink's Network, Inc. (The Brink's Company)
• Original Assignee: Brink's Network, Inc. (The Brink's Company)
• Inventors: Hipolito, Gil Geraldo, de Alvarenga, Samuel, Dourado, Emerson
• Primary Examiner(s): Frenel, Vanel
• Application Number:
  US14/169,335
• Publication Number:
  US 20150154580A1
• Time in Patent Office: 1,495 Days
• Field of Search: 705 16, 705 17, 705 18, 705 21, 705 42, 705 30, 235379, 902 13, 902 17, 194206
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/209 Specified transaction journal output feature, e.g. printed receipt or voice output

Abstract

An electronic system and process for facilitating a financial transaction comprising a drop safe and a point-of-sale (POS) terminal, disposed at a retailer location, in communication with one another in which the POS terminal receives, from a user, a request to commence a drop request and, in response, instructs the drop safe to commence a drop request, whereupon after acceptance of the drop request the drop safe accepts, via a currency acceptor, currency that is identified and authenticated, and upon completion of the drop, the drop safe ascertains the total amount of accepted currency and transmits the ascertained amount to the POS terminal which then completes the transaction. The drop request may occur during a transaction with a customer for the purchase of goods or services or at other times. Other features are disclosed.

Claims

1. A process of carrying out a financial transaction, comprising the steps of:

prompting, by a point-of-sale (POS) terminal, a user of the POS terminal to initiate a drop function;

receiving, by the POS terminal from the user, a commence drop function instruction;

transmitting, by the POS terminal to a drop safe, a drop request;

transmitting, by the drop safe to the POS terminal upon acceptance of the drop request by the drop safe, a unique Drop ID representing the respective drop to be carried out;

receiving, by a currency acceptor of the drop safe after acceptance of the drop request, currency;

identifying, by the drop safe, an amount of each received currency;

completing the drop function; and

transmitting, by the drop safe to the POS terminal, a total amount of the currency received by the drop safe.

2. The process of claim 1, wherein the step of prompting the user of the POS terminal to initiate the drop function is carried out during a transaction for a purchase of goods or services by a customer, and the user of the POS terminal is a cashier of a retailer from which the customer is purchasing the goods or services.

3. The process of claim 2, further comprising receiving, by the POS terminal, a total amount of the cost to purchase the goods or services by the customer;

and wherein the step of prompting the user of the POS terminal to initiate the drop function is executed upon the POS terminal'"'"'s receipt of the total amount of the cost to purchase the goods or services by the customer.

4. The process of claim 2, further comprising the steps of ascertaining, by the POS terminal, an identity of each item to be purchased by the customer;

ascertaining, by the POS terminal, a respective cost of each identified item to be purchased; and

ascertaining, by the POS terminal, a total amount of the cost to purchase all the items to be purchased by the customer; and

wherein the step of prompting the user of the POS terminal to initiate the drop function is executed upon the POS terminal'"'"'s ascertaining of the total amount of the cost to purchase all the items to be purchased by the customer.

5. The process of claim 1, wherein receiving, by the POS terminal from the user, a commence drop function instruction comprises identifying, by the POS terminal, of a selection by the user of a dedicated input key on the POS terminal.

6. The process of claim 1, further comprising:

prompting, by the POS terminal in response to receipt of the drop function instruction, the user to enter a tender type;

receiving, by the POS terminal from the user, the tender type, wherein the received tender type is one of a bill validator drop and a manual drop;

wherein the step of receiving currency by the currency acceptor of the drop safe is commenced only if the received tender type is a bill validator drop.

7. The process of claim 6, comprising receiving, by the drop safe, a manual drop if the received tender type is a manual drop, wherein the manual drop represents an envelope containing at least one of currency and a check.

8. The process of claim 1, further comprising receiving, by the POS terminal, an amount to be dropped, the amount to be dropped representing a total amount of currency to be received by the drop safe.

9. The process of claim 1, further comprising verifying, by the drop safe, an appropriateness of the drop request, wherein the drop safe does not accept the drop request if the drop request is not verified to be appropriate.

10. The process of claim 9, comprising transmitting, by the POS terminal to the drop safe, an identification of the user of the POS terminal;

and wherein the step of verifying, by the drop safe, the appropriateness of the drop request includes verifying the transmitted identification of the user of the POS terminal.

11. The process of claim 1, wherein the Drop ID is associated with an amount of the respective drop, an identity of the user of the POS terminal, and the date and time of the respective drop.

12. The process of claim 1, wherein the step of receiving currency comprises receiving by the currency acceptor of the drop safe currency that is manually fed by the user of the POS terminal.

13. The process of claim 1, comprising transferring, by the drop safe, each received currency within a secure, internal cassette disposed within the drop safe.

14. The process of claim 1, wherein completing the drop function occurs after receipt, by one of the POS terminal and the drop safe, from the user of an instruction designating the drop is complete.

15. The process of claim 1, further comprising:

prompting, by the POS terminal in response to receipt of the drop function instruction, the user to enter a tender type; and

receiving, by the POS terminal from the user, the tender type, wherein the received tender type is one of a bill validator drop and a payment by check,

wherein the step of receiving currency by the currency acceptor of the drop safe is commenced only if the received tender type is a bill validator drop; and

the process further comprising;

scanning, by an imager in or associated with the drop safe, a check to produce an image file if the received tender type is payment by check.

16. The process of claim 15, further comprising capturing, by the drop safe, select information from the image file representing the scanned check, the select information including at least one of a payee, an amount of the check, and a routing/account number of the check.

17. The process of claim 15, further comprising transmitting, by the drop safe to the POS terminal, the image file of the check;

and printing, by the POS terminal, a receipt having printed thereon an image of the check using the transmitted image file.

18. The process of claim 1, comprising initiating, by the POS terminal, an End-of-Day process, wherein the POS terminal, upon initiating the End-of-Day process transmits to the drop safe an end-of-day instruction;

and effecting a change of business day, by the drop safe, upon receipt of the end-of-day instruction.

19. The process of claim 1, comprising initiating, by the POS terminal, a print select report process, wherein the POS terminal, upon initiating the print select report process transmits to the drop safe a request for a select report;

transmitting, by the drop safe to the POS terminal, report data corresponding to the requested report; and

printing, by the POS terminal, a report using the report data transmitted by the drop safe.

20. The process of claim 19, wherein the select report is one of cashier detail report, a regular shift report and a day report.

21. The process of claim 1, wherein the step of prompting the user of the POS terminal to initiate the drop function is carried out during a bill payment transaction in which a customer desires to pay a bill;

and wherein the currency received by the drop safe is from the customer for the purpose of paying the bill.

22. A process of carrying out a financial transaction, comprising the steps of:

prompting, by a point-of-sale (POS) terminal, a user of the POS terminal to initiate a drop function;

receiving, by the POS terminal from the user, a commence drop function instruction;

transmitting, by the POS terminal to a drop safe, a drop request;

transmitting, by the drop safe to the POS terminal upon acceptance of the drop request by the drop safe, a unique Drop ID representing the respective drop to be carried out;

receiving, by a currency acceptor of the drop safe after acceptance of the drop request, currency;

periodically querying, by the POS terminal, the drop safe to ascertain a status of the drop safe while receiving the currency;

identifying, by the drop safe, an amount of each received currency;

completing the drop function; and

transmitting, by the drop safe to the POS terminal, a total amount of the currency received by the drop safe.

23. The process of claim 22, wherein the POS terminal, during each query, transmits the Drop ID to the drop safe;

and the drop safe, in response to each said query, transmits the status of drop activity corresponding to the transmitted Drop ID, the status of drop activity being at least one of active, stopping and complete; and

wherein the periodically querying step is discontinued by the POS terminal after receiving complete as the status of drop activity.