IP Library › Granted Patent US 10,803,429

Granted Patent B2

US 10,803,429 · App. 16/524,940 · Granted Oct 13, 2020

Transaction storing and forwarding

Inventors: Amy Baker Folk (Charlotte, NC); William Thomas Sanders (Denver, NC); Daniel Christopher Bohen (Charlotte, NC); Paul Martin Mattison (Sherrills Ford, NC); Shane Anthony Johnson (Charlotte, NC); Sandra Ruth Maas (Denver, NC); Kristen Ellen Asplund (Boulder, CO); Edward Christopher Mackey (Wading River, NY); Shelaine Marie Monkiewicz (Marietta, GA)

Assignee: Bank of America Corporation

G06Q20/10 G07F19/20 G07F19/202 G07F19/203

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Quick Facts

Patent No.: US 10,803,429
App. No.: 16/524,940
Granted: Oct 13, 2020
Kind: B2

External Links

USPTO Patent Center↗ Full Patent PDF↗

Abstract

After loss of communications between a cash handling device and a financial institution, transactions may continue to be processed. In one configuration, the transactions may be processed up to a predefined transaction limit. Transaction limits may be defined by a number of transactions, a dollar amount transacted or to be transacted, an amount of time and/or combinations thereof. Additionally or alternatively, the transaction limit may be specific to one or more types of transactions. Transaction data may be stored in memory until communication has been re-established, at which time the data may be transmitted to the financial institution for processing.

Claims (52)

1. A cash recycler system, comprising:

at least one processor;

a communication interface; and

memory storing computer readable instructions that, when executed by the at least one processor, cause the cash recycler system to:

determine that a network connection between the cash recycler system and a cash recycler service associated with a server is unavailable, the cash recycler system being located at an enterprise location, and the enterprise location being different from a data center location of the server;

after determining that the network connection between the cash recycler system and the cash recycler service associated with the server is unavailable, receive a first transaction request via at least one user interface presented by the cash recycler system;

determine that the first transaction request received via the at least one user interface presented by the cash recycler system corresponds to a deposit loaded from a cash register till at the enterprise location;

based on determining that the first transaction request received via the at least one user interface presented by the cash recycler system corresponds to a deposit loaded from a cash register till at the enterprise location, process the first transaction request received via the at least one user interface presented by the cash recycler system to receive the deposit loaded from the cash register till at the enterprise location and store transaction data associated with the deposit loaded from the cash register till at the enterprise location;

after processing the first transaction request received via the at least one user interface presented by the cash recycler system, determine that the network connection between the cash recycler system and the cash recycler service associated with the server has been reestablished; and

based on determining that the network connection between the cash recycler system and the cash recycler service associated with the server has been reestablished, transmit, to the cash recycler service associated with the server, via the communication interface, the transaction data associated with the deposit loaded from the cash register till at the enterprise location stored by the cash recycler system.

2. The cash recycler system of claim 1 , wherein the memory stores additional computer readable instructions that, when executed by the at least one processor, cause the cash recycler system to:

after determining that the network connection between the cash recycler system and the cash recycler service associated with the server is unavailable, receive a second transaction request via at least one user interface presented by the cash recycler system;

determine that the second transaction request received via the at least one user interface presented by the cash recycler system does not correspond to a deposit loaded from a cash register till at the enterprise location; and

based on determining that the second transaction request received via the at least one user interface presented by the cash recycler system does not correspond to a deposit loaded from a cash register till at the enterprise location, process the second transaction request received via the at least one user interface presented by the cash recycler system based on one or more transaction thresholds.

3. The cash recycler system of claim 2 , wherein processing the second transaction request received via the at least one user interface presented by the cash recycler system based on the one or more transaction thresholds comprises:

dispensing funds based on the one or more transaction thresholds and based on the second transaction request received via the at least one user interface presented by the cash recycler system while the network connection between the cash recycler system and the cash recycler service associated with the server is unavailable; and

storing transaction data associated with the funds dispensed based on the one or more transaction thresholds and based on the second transaction request received via the at least one user interface presented by the cash recycler system while the network connection between the cash recycler system and the cash recycler service associated with the server is unavailable.

4. The cash recycler system of claim 3 , wherein dispensing the funds based on the one or more transaction thresholds and based on the second transaction request received via the at least one user interface presented by the cash recycler system while the network connection between the cash recycler system and the cash recycler service associated with the server is unavailable comprises dispensing at least some currency that was previously deposited at the cash recycler system.

5. The cash recycler system of claim 2 , wherein processing the second transaction request received via the at least one user interface presented by the cash recycler system based on the one or more transaction thresholds comprises denying the second transaction request received via the at least one user interface presented by the cash recycler system based on the one or more transaction thresholds.

6. The cash recycler system of claim 2 , wherein at least one transaction threshold of the one or more transaction thresholds defines a maximum number of withdrawal transactions that the cash recycler system is permitted to process while the network connection between the cash recycler system and the cash recycler service associated with the server is unavailable.

7. The cash recycler system of claim 2 , wherein at least one transaction threshold of the one or more transaction thresholds defines a maximum amount of currency that the cash recycler system is permitted to dispense while the network connection between the cash recycler system and the cash recycler service associated with the server is unavailable.

8. The cash recycler system of claim 2 , wherein at least one transaction threshold of the one or more transaction thresholds defines a maximum amount of time in which the cash recycler system is permitted to process one or more transaction requests while the network connection between the cash recycler system and the cash recycler service associated with the server is unavailable.

9. The cash recycler system of claim 2 , wherein at least one transaction threshold of the one or more transaction thresholds defines one or more limits on which users of the cash recycler system are permitted to input one or more transaction requests to the cash recycler system via the at least one user interface presented by the cash recycler system while the network connection between the cash recycler system and the cash recycler service associated with the server is unavailable.

10. The cash recycler system of claim 1 , wherein the transaction data associated with the deposit loaded from the cash register till at the enterprise location stored by the cash recycler system and transmitted by the cash recycler system to the cash recycler service associated with the server via the communication interface causes the cash recycler service associated with the server to recognize the deposit loaded from the cash register till at the enterprise location.

11. The cash recycler system of claim 1 , wherein the transaction data associated with the deposit loaded from the cash register till at the enterprise location stored by the cash recycler system and transmitted by the cash recycler system to the cash recycler service associated with the server via the communication interface causes the cash recycler service associated with the server to recognize the deposit loaded from the cash register till at the enterprise location by crediting funds associated with the deposit loaded from the cash register till at the enterprise location to a client account associated with an owner of the enterprise location where the cash recycler system is located.

12. The cash recycler system of claim 1 , wherein the transaction data associated with the deposit loaded from the cash register till at the enterprise location stored by the cash recycler system and transmitted by the cash recycler system to the cash recycler service associated with the server via the communication interface causes the cash recycler service associated with the server to recognize the deposit loaded from the cash register till at the enterprise location by applying, to a client account associated with an owner of the enterprise location where the cash recycler system is located, a non-provisional credit for funds associated with the deposit loaded from the cash register till at the enterprise location.

13. A method, comprising:

at a cash recycler system comprising at least one processor, memory, and a communication interface:

determining, by the at least one processor, that a network connection between the cash recycler system and a cash recycler service associated with a server is unavailable, the cash recycler system being located at an enterprise location, and the enterprise location being different from a data center location of the server;

after determining that the network connection between the cash recycler system and the cash recycler service associated with the server is unavailable, receiving, by the at least one processor, a first transaction request via at least one user interface presented by the cash recycler system;

determining, by the at least one processor, that the first transaction request received via the at least one user interface presented by the cash recycler system corresponds to a deposit loaded from a cash register till at the enterprise location;

based on determining that the first transaction request received via the at least one user interface presented by the cash recycler system corresponds to a deposit loaded from a cash register till at the enterprise location, processing, by the at least one processor, the first transaction request received via the at least one user interface presented by the cash recycler system to receive the deposit loaded from the cash register till at the enterprise location and store transaction data associated with the deposit loaded from the cash register till at the enterprise location;

after processing the first transaction request received via the at least one user interface presented by the cash recycler system, determining, by the at least one processor, that the network connection between the cash recycler system and the cash recycler service associated with the server has been reestablished; and

based on determining that the network connection between the cash recycler system and the cash recycler service associated with the server has been reestablished, transmitting, by the at least one processor, to the cash recycler service associated with the server, via the communication interface, the transaction data associated with the deposit loaded from the cash register till at the enterprise location stored by the cash recycler system.

14. The method of claim 13 , comprising:

after determining that the network connection between the cash recycler system and the cash recycler service associated with the server is unavailable, receiving, by the at least one processor, a second transaction request via at least one user interface presented by the cash recycler system;

determining, by the at least one processor, that the second transaction request received via the at least one user interface presented by the cash recycler system does not correspond to a deposit loaded from a cash register till at the enterprise location; and

based on determining that the second transaction request received via the at least one user interface presented by the cash recycler system does not correspond to a deposit loaded from a cash register till at the enterprise location, processing, by the at least one processor, the second transaction request received via the at least one user interface presented by the cash recycler system based on one or more transaction thresholds.

15. The method of claim 14 , wherein processing the second transaction request received via the at least one user interface presented by the cash recycler system based on the one or more transaction thresholds comprises:

16. The method of claim 15 , wherein dispensing the funds based on the one or more transaction thresholds and based on the second transaction request received via the at least one user interface presented by the cash recycler system while the network connection between the cash recycler system and the cash recycler service associated with the server is unavailable comprises dispensing at least some currency that was previously deposited at the cash recycler system.

17. The method of claim 14 , wherein processing the second transaction request received via the at least one user interface presented by the cash recycler system based on the one or more transaction thresholds comprises denying the second transaction request received via the at least one user interface presented by the cash recycler system based on the one or more transaction thresholds.

18. The method of claim 14 , wherein at least one transaction threshold of the one or more transaction thresholds defines a maximum number of withdrawal transactions that the cash recycler system is permitted to process while the network connection between the cash recycler system and the cash recycler service associated with the server is unavailable.

19. The method of claim 14 , wherein at least one transaction threshold of the one or more transaction thresholds defines a maximum amount of currency that the cash recycler system is permitted to dispense while the network connection between the cash recycler system and the cash recycler service associated with the server is unavailable.

20. One or more non-transitory computer-readable media storing instructions that, when executed by a cash recycler system comprising at least one processor, memory, and a communication interface, cause the cash recycler system to:

Assignments (1)

ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jul 29, 2019

From: FOLK, AMY BAKER; SANDERS, WILLIAM THOMAS; BOHEN, DANIEL CHRISTOPHER; MATTISON, PAUL MARTIN; JOHNSON, SHANE ANTHONY; MAAS, SANDRA RUTH; ASPLUND, KRISTEN ELLEN; MACKEY, EDWARD CHRISTOPHER; MONKIEWICZ, SHELAINE MARIE

To: BANK OF AMERICA CORPORATION

Reel/Frame 049890/0475 →

Continuity (5)

Continuation 15919487 · Mar 13, 2018

Continuation 15375458 · Dec 12, 2016

Continuation 14747109 · Jun 23, 2015

Continuation 12183706 · Jul 31, 2008

Related Publication 20190347629A1 · Nov 14, 2019