Unattended Deposit System

摘要

Systems, methods, apparatuses, and computer-readable media for transferring funds from a first entity, such as a business, to an unattended deposit system of a second entity, such as a financial institution are provided. The funds may be transferred by a transport agent who, in some examples, may provide registration information, including biometric data, and for which a background check may be performed prior to the transport agent becoming an authorized transport agent. Upon making the deposit, the transport agent may provide identifying information, such as biometric data. This data may be compared to the registration information and, if it matches, the deposit may be permitted. If it does not match, the deposit may be prevented. The identifying information received by the system may be associated with a unique identifier assigned to the deposit transaction and the information may be stored to have a record of the individual making the deposit.

主权项

1. A system, comprising:
a biometric scanner; a processor; a memory operatively coupled to the processor and storing computer-executable instructions that, when executed by the processor, cause at least one computing device to:
receive registration information from at least one potential transport agent, the registration information including information to uniquely identify the at least one potential transport agent;determining, based on the received registration information, whether the at least one potential transport agent is authorized to be a transport agent;responsive to determining that the at least one potential transport agent is authorized to be a transport agent:
receive, by a second entity, an indication of a deposit of funds being transported from a first entity to an unattended deposit system of the second entity by the at least one transport agent, the deposit of funds including at least one unique identifier associated with it;receive, from the at least one transport agent, identifying information, the identifying information including at least biometric data of the at least one transport agent received from the biometric scanner;authenticating the at least one transport agent by comparing the identifying information received from the transport agent with the registration information received to determine whether a match exists;responsive to determining that a match exists, recording a presence of the at least one transport agent at the unattended deposit system and permitting deposit of the funds; andresponsive to determining that a match does not exist, recording an authentication attempt in a log and preventing the at least one transport agent from depositing the funds.