Banking systems controlled by data bearing records
First Claim
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, via the communication interface, and from at least one banking server, configuration information defining one or more alert thresholds, wherein the configuration information defining the one or more alert thresholds is sent to the cash handling device by the at least one banking server based on configuration settings received by the at least one banking server from a client computing device via one or more graphical user interfaces that are provided to the client computing device by the at least one banking server and that comprise one or more controls enabling a user of the client computing device to set the one or more alert thresholds;
store, in the memory of the cash handling device, the configuration information defining the one or more alert thresholds received from the at least one banking server, wherein the one or more alert thresholds defined by the configuration information stored by the cash handling device in the memory of the cash handling device and received from the at least one banking server comprise a first alert threshold for identifying when restocking is required at the cash handling device, a second alert threshold for identifying when inspecting is needed at the cash handling device, and a third alert threshold for indicating when an expected deposit or exchange transaction has been missed by a particular client;
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, wherein validating the at least one deposit item received for deposit at the deployment location of the cash handling device comprises generating at least one deposit alert based on at least one of the first alert threshold, the second alert threshold, and the third alert threshold of the one or more alert thresholds defined by the configuration information stored by the cash handling device in the memory of the cash handling device and received from the at least one banking server;
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 the 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
send, via the communication interface, and to the at least one banking server, the deposit transaction record.
1 Assignment
0 Petitions
Accused Products
Abstract
A cash handling device having 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 a memory may receive, from a user, a request to perform a deposit transaction. Based on receiving the request to perform the deposit transaction, the cash handling device may receive at least one deposit item for deposit. Subsequently, the cash handling device may validate the at least one deposit item received for deposit. Based on validating the at least one deposit item received for deposit, the cash handling device may generate a deposit transaction record that includes information directing a banking server to apply a provisional credit to a treasury account associated with the user. Subsequently, the cash handling device may send the deposit transaction record to the banking server.
108 Citations
20 Claims
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1. A cash handling device, comprising:
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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, via the communication interface, and from at least one banking server, configuration information defining one or more alert thresholds, wherein the configuration information defining the one or more alert thresholds is sent to the cash handling device by the at least one banking server based on configuration settings received by the at least one banking server from a client computing device via one or more graphical user interfaces that are provided to the client computing device by the at least one banking server and that comprise one or more controls enabling a user of the client computing device to set the one or more alert thresholds; store, in the memory of the cash handling device, the configuration information defining the one or more alert thresholds received from the at least one banking server, wherein the one or more alert thresholds defined by the configuration information stored by the cash handling device in the memory of the cash handling device and received from the at least one banking server comprise a first alert threshold for identifying when restocking is required at the cash handling device, a second alert threshold for identifying when inspecting is needed at the cash handling device, and a third alert threshold for indicating when an expected deposit or exchange transaction has been missed by a particular client; 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, wherein validating the at least one deposit item received for deposit at the deployment location of the cash handling device comprises generating at least one deposit alert based on at least one of the first alert threshold, the second alert threshold, and the third alert threshold of the one or more alert thresholds defined by the configuration information stored by the cash handling device in the memory of the cash handling device and received from the at least one banking server; 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 the 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 send, via the communication interface, and to the at least one banking server, the deposit 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, an internal currency scanning system, an internal currency transport system, one or more currency storage cartridges, and a memory; receiving, by the cash handling device, via the communication interface, and from at least one banking server, configuration information defining one or more alert thresholds, wherein the configuration information defining the one or more alert thresholds is sent to the cash handling device by the at least one banking server based on configuration settings received by the at least one banking server from a client computing device via one or more graphical user interfaces that are provided to the client computing device by the at least one banking server and that comprise one or more controls enabling a user of the client computing device to set the one or more alert thresholds; storing, by the cash handling device, in the memory of the cash handling device, the configuration information defining the one or more alert thresholds received from the at least one banking server, wherein the one or more alert thresholds defined by the configuration information stored by the cash handling device in the memory of the cash handling device and received from the at least one banking server comprise a first alert threshold for identifying when restocking is required at the cash handling device, a second alert threshold for identifying when inspecting is needed at the cash handling device, and a third alert threshold for indicating when an expected deposit or exchange transaction has been missed by a particular client; 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, wherein validating the at least one deposit item received for deposit at the deployment location of the cash handling device comprises generating at least one deposit alert based on at least one of the first alert threshold, the second alert threshold, and the third alert threshold of the one or more alert thresholds defined by the configuration information stored by the cash handling device in the memory of the cash handling device and received from the at least one banking server; 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 the 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 sending, by the cash handling device, via the communication interface, and to the at least one banking server, the deposit 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, an internal currency scanning system, an internal currency transport system, one or more currency storage cartridges, and a memory, cause the cash handling device to:
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receive, via the communication interface, and from at least one banking server, configuration information defining one or more alert thresholds, wherein the configuration information defining the one or more alert thresholds is sent to the cash handling device by the at least one banking server based on configuration settings received by the at least one banking server from a client computing device via one or more graphical user interfaces that are provided to the client computing device by the at least one banking server and that comprise one or more controls enabling a user of the client computing device to set the one or more alert thresholds; store, in the memory of the cash handling device, the configuration information defining the one or more alert thresholds received from the at least one banking server, wherein the one or more alert thresholds defined by the configuration information stored by the cash handling device in the memory of the cash handling device and received from the at least one banking server comprise a first alert threshold for identifying when restocking is required at the cash handling device, a second alert threshold for identifying when inspecting is needed at the cash handling device, and a third alert threshold for indicating when an expected deposit or exchange transaction has been missed by a particular client; 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, wherein validating the at least one deposit item received for deposit at the deployment location of the cash handling device comprises generating at least one deposit alert based on at least one of the first alert threshold, the second alert threshold, and the third alert threshold of the one or more alert thresholds defined by the configuration information stored by the cash handling device in the memory of the cash handling device and received from the at least one banking server; 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 the 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 send, via the communication interface, and to the at least one banking server, the deposit transaction record.
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Specification