Banking system controlled responsive to data read from data bearing records
View Patent ↗A deposit management system is operable responsive to data read from data bearing records. The system is associated with financial funds depositories. Each depository can accept items, such as deposit bags. Each depository includes a bar code reader that can read data from a bar code label that is located on a deposit bag. The system allows merchants to preregister a deposit before performing the deposit. A preregistered deposit is linked with a deposit identifier in a data store. The deposit identifier can be represented in a bar code. If the system determines that a depository read a bar code having a deposit identifier that corresponds in the data store to a preregistered deposit, then that depository is operated to automatically unlock its deposit entry door to permit the deposit. The system also allows merchants to review their deposit history.
1. A tangible, non-transitory computer readable medium with instructions encoded thereon for execution by a processor, and when executed by a processor operable to:
communicate with a plurality of financial funds depositories, wherein the depositories comprise a bar code reader, a deposit storage area, a transport path leading to the deposit storage area, and a deposit entry door;
wherein the deposit entry door when in an open position provides customer access to the transport path;
wherein the deposit entry door can be placed in a locked condition and an unlocked condition;
wherein in the unlocked condition, the deposit entry door is movable by a customer to the open position;
wherein the deposit management system comprises a data store;
wherein the data store includes a respective deposit identifier correlated to a respective preregistered deposit;
determine whether a deposit identifier read by a bar code reader of a respective depository corresponds in the data store to a preregistered deposit; and
responsive at least in part to a positive determination that the deposit identifier read by a bar code reader of a respective depository corresponds in the data store to a preregistered deposit, to cause the deposit entry door of the respective depository to be automatically placed in the unlocked condition.
2. The computer readable medium according to claim 1 ,
wherein the financial fund depositaries are associated with a corresponding plurality of automated banking machines;
wherein the plurality of automated banking machines comprise a bar code reader and an interior deposit storage area;
wherein the plurality of automated banking machines are operable to receive deposits from authorized machine users; and
wherein the instructions are operable to determine whether a deposit identifier read by a bar code reader of a respective machine corresponds in the data store to a preregistered deposit.
3. The computer readable medium according to claim 2 ,
wherein the plurality of automated banking machines includes a cash dispenser, a card reader, and a biometric reader, and are respectively associated with a processor;
wherein the automated banking machine processor is operable during a user transaction session to:
cause card data to be read from a card through operation of the card reader, and then cause the read card data to be compared with card information stored in an authorization data store, and
cause biometric data to be read through operation of the biometric reader, and then cause the read biometric data to be compared with biometric information in the at least one authorization data store;
wherein the automated banking machine processor is operable to authorize a machine user to make a deposit responsive at least in part to:
computer-determined correspondence between the read card data and the card information,
computer-determined correspondence between the read biometric data and the biometric information, and
computer-determined correspondence between the read card data and the read biometric data.
4. The computer readable medium according to claim 1 , wherein the instructions are operable to determine a total value of currency bills included in preregistered deposits that are currently located in the plurality of financial funds depositories.
5. The computer readable medium according to claim 4 , wherein the plurality of financial funds depositories are associated with a financial entity, and wherein the instructions are operable to store the total value in the at least one data store in a manner that allows the total value to be accessed by the financial entity.
6. The computer readable medium according to claim 4 , wherein the plurality of financial funds depositories are associated with a financial entity, and wherein the instructions are operable to communicate the total value determined to the financial entity.
7. The computer readable medium according to claim 4 , wherein the instructions are operable to determine the total value in real time.
8. The computer readable medium according to claim 1 , wherein the instructions are operable to determine a total value of checks included in preregistered deposits that are currently located in the plurality of financial funds depositories.
9. The computer readable medium according to claim 1 , wherein the instructions are operable to determine that a specific preregistered deposit was carried out at a specific financial funds depository.
10. The computer readable medium according to claim 1 , the instructions are further operable to:
determine that specific preregistered deposits were carried out at the plurality of financial funds depositories; and
determine a total financial value of preregistered deposits that are currently located in the plurality of financial funds depositories.
11. The computer readable medium according to claim 10 , wherein the instructions are operable to determine the total financial value in real time.
12. A tangible, non-transitory computer readable medium with instructions encoded thereon for execution by a processor, and when executed by a processor operable to:
operate a wireless reader of a financial funds depository to wirelessly read identifier data from a deposit item during a customer deposit session with the depository;
wherein the depository is associated with a pre-deposit registration system operable to respectively link in a data store, particular identifier data with particular preregistered deposit sessions;
wherein the depository includes a lockable and unlockable depository door that controls customer access to a transport path that leads to a chest portion which comprises a deposit item storage area;
wherein the door is locked in a position that prevents customer access to the transport path; and
operating the depository during the customer deposit session to automatically unlock the door, responsive at least in part to a computer-determination that the identifier data read in by the wireless reader is linked in the data store with a particular preregistered deposit session.
13. The computer readable medium according to claim 12 , wherein the wireless reader comprises a bar code reader, wherein operating the wireless reader includes operating the bar code reader to wirelessly read bar code data from at least one bar code.
14. The computer readable medium according to claim 12 , wherein the wireless reader is operable to read deposit data from a financial funds deposit bag located in the depository at a location that is inaccessible to a depositor, and the instructions are further operable to operate the wireless reader to read deposit data from a financial funds deposit bag positioned at the location.
15. The computer readable medium according to claim 14 , wherein the location is in the transport, and wherein the instructions are further operable to operate the wireless reader to read the deposit data from a financial funds deposit bag positioned in the transport path.
16. A tangible, non-transitory computer readable medium with instructions encoded thereon for execution by a processor, and when executed by a processor operable to:
operating a financial funds depository to read deposit identification data during a customer deposit session;
wherein the deposit identification data was preregistered with a deposit management system for a specific deposit of specific items;
wherein the depository includes an interior storage area;
wherein the depository includes a transport path that leads to the interior storage area;
wherein customer access to the transport path allows a customer to deposit items into the interior storage area;
wherein customer access to the transport path is prevented during the customer session; and
responsive at least in part to the deposit identification data read during the customer deposit session, operating the depository to allow customer access to the transport path;
determine that at least one item was received during the customer deposit session; and
cause at least one message to be sent to the deposit management system;
wherein the at least one message indicates that the specific deposit was carried out at the depository.