Granted Patent B2

US 9,811,856 · App. 14/170,066 · Granted Nov 7, 2017

Abstract

Claims (41)

1. A system for reducing a processing time for processing a bank transaction comprising:

a kiosk comprising:

an input for receiving information related to processing the bank transaction;

a display for displaying an interface in connection with the received input, wherein the interface presents three options for selection a cash deposit bank transaction, a check deposit bank transaction, and a demand draft bank transaction, and wherein the received input includes a selection for one of the three options:

a controller which is configured to receive said information and to generate coded information that includes the selection and the selection is one of the check deposit bank transaction and the demand draft bank transaction; and

a receipt dispenser which dispenses a pre-processed receipt that comprises said coded information and the pre-processed receipt for subsequently completing and processing the bank transaction, and wherein the receipt dispenser is configured to print deposit information received from a subsequently presented pre-processed receipt by printing a copy of a deposited check on a deposit receipt.

2. The system as claimed in claim 1 , further comprising:

a reader for reading said pre-processed receipt and obtaining said information related to said bank transaction from said coded information; and

a controller for communicating said information to a central bank server and completing said bank transaction.

3. The system as claimed in claim 1 , wherein said pre-processed receipt comprises an expiry time and expiry date and said pre-processed receipt comprises a token ID which is communicated to said central bank server along with said information related to said bank transaction.

4. The system as claimed in claim 1 , wherein said coded information is in the form of at least one of a QR code and a one-dimensional barcode.

5. The system as claimed in claim 1 , wherein said information comprises an account number, an account name and an amount corresponds to said bank transaction.

6. The system as claimed in claim 1 , wherein said input comprises at least one of: a touch screen, a keyboard, and a card reader.

7. The system as claimed in claim 1 , wherein said kiosk further comprises:

a reader for reading said pre-processed receipt and obtaining said information related to said bank transaction from said coded information; and

a communication device for communicating said information to a central bank server and completing said bank transaction.

8. The system as claimed in claim 7 , wherein said kiosk further comprises a currency receiver which is configured to receive and validate a currency item for said bank transaction.

9. A method for processing a bank transaction comprising:

receiving from a user, at an input of a kiosk, input information related to processing the bank transaction, wherein the input information comprises an account number, an account name, and a transaction amount, and wherein the user selects a type of transaction for the bank transaction in response to an interface displayed on a display of the kiosk, the interface presenting banking transaction types available for selection as the type as: a cash deposit banking transaction, a check deposit banking transaction, and a demand draft banking transaction;

generating, at a controller of the kiosk, coded information based on said input information received at said input, wherein the coded information includes the selection for the type of transaction for the bank transaction, and wherein the selection is one of the check deposit banking transaction and the demand draft banking transaction; and

dispensing, at a receipt dispenser of the kiosk, a processed receipt which comprises said coded information for subsequently completing and processing the bank transaction, and dispensing, at the receipt dispenser of the kiosk, a copy of a deposited check associated with a subsequently presented pre-processed receipt at the kiosk.

10. The method as claimed in claim 9 , further comprising:

reading, at a reader of a teller system, different from the kiosk, said coded information in said pre-processed receipt to obtain said information related to said bank transaction to complete the bank transaction.

11. The method as claimed in claim 9 , further comprising:

reading, at a reader of said kiosk, said coded information in said pre-processed receipt to obtain said information related to said bank transaction,

receiving, at a currency receiver, a currency item;

verifying, at said controller, said currency item with said amount;

communicating said information to a central bank server after verifying said currency item;

processing, at said central bank server, said information and completing said bank transaction; and

dispensing, at said receipt dispenser, an acknowledgement slip when said bank transaction is completed successfully.

12. The method as claimed in claim 9 , wherein coded information is in the form of at least one of a QR code and a one-dimensional barcode.

13. The method as claimed in claim 9 , wherein said pre-processed receipt comprises an expiry time and expiry date and said pre-processed receipt comprises a token ID which is communicated to said central bank server along with said information related to said bank transaction.

14. The method as claimed in claim 13 , further comprising:

inputting, using a controller, said token ID to said central bank server;

retrieving said information corresponding to said token ID from said central server;

verifying said information with a user; and

communicating said information to a central bank server for processing said bank transaction.

15. The method of claim 9 , wherein the input information comprises an ID token, the method comprising:

communicating, from the kiosk, to a central bank server the input information;

communicating, from a teller system that is different from the kiosk, to the central bank server the ID token without communicating the account number, the account name, or the transaction amount, wherein the teller system does not have the account number, the account name, or the transaction amount; and

receiving, from the central back server, at the teller system, the account number, the account name, and the transaction amount.

Assignments (9)