发明名称 |
System and method for smart deposit retrieval |
摘要 |
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. |
申请公布号 |
US9582971(B2) |
申请公布日期 |
2017.02.28 |
申请号 |
US201614987815 |
申请日期 |
2016.01.05 |
申请人 |
Bank of America Corporation |
发明人 |
Johnson Tyler R. |
分类号 |
G06Q40/00;G07F19/00;G06Q20/10;G06K19/06;G07D11/00 |
主分类号 |
G06Q40/00 |
代理机构 |
|
代理人 |
Springs Michael A. |
主权项 |
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. |
地址 |
Charlotte NC US |