Deposit for entity associated non-account holders

Systems and methods for permitting a credit card payment are described. An individual associated with a credit card account of an entity may be identified. A request to permit the individual associated with the credit card account of the entity to deposit a credit card payment in a self-service financial transaction device associated with the entity may be received. An identifier of the individual associated with the credit card account may be read. A request from the individual to deposit monetary funds as the credit card payment into the self-service financial transaction device may be received, and a determination may be made as to whether the individual is authorized to make the deposit. Monetary funds from the individual for deposit as the credit card payment may be received. One or more restrictions may be placed on the ability to deposit monetary funds as the credit card payment.

BACKGROUND

Any of a number of manners exists today for an account owner to deposit monetary funds into her account. The account owner can enter a financial institution entity and interact face to face with a teller of the financial institution entity. The account owner may deposit cash, checks, or other forms of monetary funds into her corresponding account by giving the monetary funds to the teller. Other manners include depositing cash and/or checks at an automated teller machine associated with the financial institution entity, transferring monetary funds from one account to another account in an online environment, and/or other manners. However, the account owner must present some form of identification in order to make a deposit.

In order to allow a non-account owner to make a deposit into the account of the owner, the owner is required to present the account number to the non-account owner. For example, an owner can provide a pre-printed deposit slip to the non-account holder to make a deposit; however, the pre-printed deposit slip includes the account number of the owner, in additional to other sensitive information of the owner. Such a non-account owner is required to provide some form of identification to deposit monetary funds, even with a pre-printed deposit slip. A needed exists for a mechanism to allow a non-account holder to deposit monetary funds into the account of the owner.

Many financial institutions that offer checking and savings accounts also offer credit card accounts to potential customers. Individuals with a checking and/or savings account may receive an access card, such as an automated teller machine (ATM) card, for use at an ATM. Yet, individuals with a credit card account, but no checking and/or savings account, do not receive such as access card. As such, if the individual with the credit card account desires to make a credit card payment, she is required to submit a payment by mail and/or telephone. A need exists for a mechanism to allow a credit card account holder to deposit monetary funds for a credit card account at an automated teller machine.

SUMMARY

Aspects of the present disclosure are directed to a method and system for generating an access code. A first request to generate an access code for permitting a first individual to deposit monetary funds into an account associated with an entity is received. The first individual is not an account owner of the account. The access code for permitting the first individual to deposit monetary funds into the account associated with the entity is generated. A second request to output the access code for permitting the first individual to deposit monetary funds into the account associated with the entity is received, and the access code for permitting the first individual to deposit monetary funds into the account associated with the entity is outputted. One or more restrictions may be placed on the ability to deposit monetary funds in the account. The access code may be a barcode on a printed paper, may be included in an email, and/or may be associated with an Internet addressable address.

Other aspects of the present disclosure are directed to a method and system for depositing monetary funds into an account. A first request from a first individual to deposit monetary funds into an account associated with an entity may be received. The first individual is not an account owner of the account. Monetary funds from the first individual may be received for deposit in the account. The monetary funds may include cash, checks, credit card transfers, and/or debit card transfers. The receipt of the first request may be receipt of a paper ticket with an access code authorizing deposit of monetary funds into the account. One or more restrictions may be reviewed to authorize the deposit of monetary funds in the account.

Still further aspects of the present disclosure are directed to a method and system for permitting a specific individual to deposit monetary funds in an account. A first request to permit a specific individual to deposit monetary funds into an account associated with an entity may be received. The specific individual is not an account owner of the account. At least one account owner defined criterion identifying the specific individual is received, and data representing a permission for the specific individual to deposit monetary funds into the account associated with the entity is stored. The at least one criterion may include a name, an address, and/or some other identifier of the specific individual. One or more restrictions may be placed on the ability to deposit monetary funds in the account. Additional specific individuals with similar and/or different restrictions on the ability to deposit may be permitted to deposit monetary funds into the account.

Other aspects of the present disclosure are directed to a method and system for depositing monetary funds into an account. A specific individual may be identified by reading a form of identification of the specific individual, such as a credit card, a debit card, or an RFID associated with a mobile terminal of the specific individual. A determination may be made as to whether the specific individual is permitted to deposit monetary funds into an account associated with an entity. The specific individual is not an account owner of the account. A request from the specific individual to deposit monetary funds into the account associated with the entity may be received, and monetary funds from the specific individual for deposit in the account may be received. One or more restrictions may be reviewed to authorize the deposit of monetary funds in the account.

Additional aspects of the present disclosure are directed to a method and system for permitting a credit card payment. An individual associated with a credit card account of an entity may be identified. A request to permit the individual associated with the credit card account of the entity to deposit a credit card payment in a self-service financial transaction device associated with the entity may be received. An identifier of the individual associated with the credit card account may be read. A request from the individual to deposit monetary funds as the credit card payment into the self-service financial transaction device may be received, and a determination may be made as to whether the individual is authorized to make the deposit. Monetary funds from the individual for deposit as the credit card payment may be received. One or more restrictions may be placed on the ability to deposit monetary funds as the credit card payment.

DETAILED DESCRIPTION

In the following description of the various embodiments, reference is made to the accompanying drawings, which form a part hereof, and in which is shown by way of illustration, various embodiments in which the disclosure may be practiced. It is to be understood that other embodiments may be utilized and structural and functional modifications may be made.

FIG. 1illustrates a block diagram of a generic computing device101(e.g., a computer server) that may be used according to an illustrative embodiment of the disclosure. The computer server101may have a processor103for controlling overall operation of the server and its associated components, including RAM105, ROM107, input/output module109, and memory115.

Input/Output (I/O)109may include a microphone, keypad, touch screen, camera, and/or stylus through which a user of device101may provide input, and may also include one or more of a speaker for providing audio output and a video display device for providing textual, audiovisual and/or graphical output. Other I/O devices through which a user and/or other device may provide input to device101also may be included. Software may be stored within memory115and/or storage to provide instructions to processor103for enabling server101to perform various functions. For example, memory115may store software used by the server101, such as an operating system117, application programs119, and an associated database121. Alternatively, some or all of server101computer executable instructions may be embodied in hardware or firmware (not shown). As described in detail below, the database121may provide centralized storage of characteristics associated with individuals, allowing interoperability between different elements of the business residing at different physical locations.

The server101may operate in a networked environment supporting connections to one or more remote computers, such as terminals141and151. The terminals141and151may be personal computers or servers that include many or all of the elements described above relative to the server101. The network connections depicted inFIG. 1include a local area network (LAN)125and a wide area network (WAN)129, but may also include other networks. When used in a LAN networking environment, the computer101is connected to the LAN125through a network interface or adapter123. When used in a WAN networking environment, the server101may include a modem127or other means for establishing communications over the WAN129, such as the Internet131. It will be appreciated that the network connections shown are illustrative and other means of establishing a communications link between the computers may be used. The existence of any of various well-known protocols such as TCP/IP, Ethernet, FTP, HTTP and the like is presumed.

Additionally, an application program119used by the server101according to an illustrative embodiment of the disclosure may include computer executable instructions for invoking functionality related to providing access authorization for facilities and networks.

Computing device101and/or terminals141or151may also be mobile terminals including various other components, such as a battery, speaker, and antennas (not shown).

Referring toFIG. 2, an illustrative system200for implementing methods according to the present disclosure is shown. As illustrated, system200may include one or more workstations201. Workstations201may be local or remote, and are connected by one or more communications links202to computer network203that is linked via communications links205to server204. In system200, server204may be any suitable server, processor, computer, or data processing device, or combination of the same.

Computer network203may be any suitable computer network including the Internet, an intranet, a wide-area network (WAN), a local-area network (LAN), a wireless network, a digital subscriber line (DSL) network, a frame relay network, an asynchronous transfer mode (ATM) network, a virtual private network (VPN), or any combination of any of the same. Communications links202and205may be any communications links suitable for communicating between workstations201and server204, such as network links, dial-up links, wireless links, hard-wired links, etc.

The steps that follow in the Figures may be implemented by one or more of the components inFIGS. 1 and 2and/or other components, including other computing devices.

FIG. 3is an illustrative functional block diagram of a self-service monetary device (SSFTD)300. SSFTD300may include, for instance, an automated teller machine (ATM) or automated kiosk for depositing and/or withdrawing monetary amounts. While the withdrawals are typically provided to the user of the SSFTD300as currency, the deposits may be in the form of currency, checks, or other forms.

SSFTD300as shown inFIG. 3includes a computer301, a hard drive302or other computer-readable medium, a deposit unit303, a withdrawal unit304, a display305, a printer306, a keypad307, a network interface308, a removable media interface309, a safe310, a scanner313, and a card reader315. Although computer301is labeled as a “computer,” any one or more of the other functional blocks inFIG. 3may also be or include a computer. As understood, SSFTD300may include one or more computers301, hard drives302, deposit units303, withdrawal units304, displays305, printers306, key pads307, network interfaces308, removable media interfaces309, safes310, scanners313, and card readers315.

The term “computer” as referred to herein broadly refers to any electronic, electro-optical, and/or mechanical device, or system of multiple physically separate or physically joined such devices, that is able to process and manipulate information, such as in the form of data. Non-limiting examples of a computer include one or more personal computers (e.g., desktop or laptop), servers, smart phones, personal digital assistants (PDAs), television set top boxes, and/or a system of these in any combination or subcombination. In addition, a given computer may be physically located completely in one location or may be distributed amongst a plurality of locations (i.e., may implement distributive computing). A computer may be or include a general-purpose computer and/or a dedicated computer configured to perform only certain limited functions.

A computer typically includes hardware that may execute software and/or be configured in hardware to perform specific functions. The software may be stored on a computer-readable medium in the form of computer-readable instructions. A computer may read those computer-readable instructions, and in response perform various steps as defined by those computer-readable instructions. Thus, any functions attributed to any of the functional blocks ofFIG. 3as described herein may be implemented, for example, by reading and executing such computer-readable instructions for performing those functions, and/or by any hardware subsystem (e.g., a processor) from which the computer is composed.

The term “computer-readable medium” as used herein includes not only a single physical medium or single type of medium, but also a combination of one or more physical media and/or types of media. Examples of a computer-readable medium include, but are not limited to, one or more memory chips, hard drives (e.g., hard drive302), optical discs (such as CDs or DVDs), magnetic discs, and magnetic tape drives. A computer-readable medium may be considered part of a larger device or it may be itself removable from the device. For example, a commonly-used removable computer-readable medium is a universal serial bus (USB) memory stick that interfaces with a USB port of a device.

A computer-readable medium may store computer-readable instructions (e.g., software) and/or computer-readable data (i.e., information that may or may not be executable). In the present example, a computer-readable medium (such as memory) may be included in any one or more of the functional blocks shown inFIG. 3and may store computer-executable instructions and/or data used by any of those functional blocks. Alternatively or additionally, such a computer-readable medium storing the data and/or software may be physically separate from, yet accessible by, any of the functional blocks shown inFIG. 3.

Where SSFTD300is an ATM, computer301is typically embodied as a personal computer. In this example, computer301may be responsible for the overall control of SSFTD100. To perform such control, computer301may execute, for example, one or more software applications, one or more device control programs, and one or more operating systems, each of which may be stored on hard drive302, which may be a single physical hard drive or multiple physical hard drives. These various elements will be discussed in further detail below.

Hard drive302may be a single physical hard drive unit or may include multiple physical hard drive units. Rather than, or in addition to, hard drive302, SSFTD300may store data and/or computer-executable instructions on one or more other types of computer-readable medium, such as an optical disc drive, a magnetic tape drive, and/or memory chips.

Deposit unit303may be responsible for physically receiving deposited items such as currency and checks, for physically counting the deposited items, for physically holding the deposited items in an escrow area during a deposit transaction, for determining the value of the deposited items, and for physically transferring the deposited items to safe310when the transaction is complete.

Withdrawal unit304may be responsible for physically retrieving currency or other items from safe310during a withdrawal transaction, and for physically providing the retrieved currency to the user.

Display305may be responsible for displaying a visual user interface to the user, and may also incorporate a touch screen capability for receiving user input. Typical information that may be presented on display305includes text and/or graphics representing the status of a transaction. Likewise, printer306may be responsible for presenting a paper printout containing information about a transaction.

Key pad307may include one or more buttons, switches, and/or other physical user input elements, and may be responsible for receiving user input associated with a transaction. For example, key pad307may include digit keys zero through nine and other function keys. Card reader315may be any type of device that reads data from a card, such as the magnetic strip on magnetic cards such as ATM/bank cards.

Network interface308may be responsible for data communication between SSFTD300and a network312. The communication may be uni-directional or bi-directional. Network312may be a single network or combination of multiple coupled networks, and may be wireless and/or wired. Examples of network312, or portions thereof, include the Internet, a cellular telephone network, a cellular data network, a wired or wireless local area network, and a satellite communication network.

Removable media interface309may be responsible for reading from and/or writing to a removable computer-readable medium311, such as a USB key, a compact disc (CD), a floppy magnetic disc, or a portable hard drive. Removable media interface309may therefore include a physical port for plugging in or otherwise temporarily receiving removable computer-readable medium311. This port may be physically part of, for instance, the housing of computer301. However, the port may be located elsewhere in or on SSFTD300, such as on a rear housing of SSFTD300that may be accessible to maintenance servicers of SSFTD300but not necessarily to the general public. Regardless of the location of the port, data read from removable computer-readable medium311by removable media interface309may be provided to computer301, and data provided by computer301may be written by removable media interface109to computer-readable medium311.

Scanner313may include, for instance, a camera that is able to take a digital photograph of a check to produce one or more images representing the front and/or back of the check. In addition to generating an image of the check, scanner313may be further capable of reading magnetically printed information on the check, such as magnetic ink that is typically printed on a check, and performing magnetic ink character recognition (MICR). Such MICR processes are well known. The data produced by performing MICR that represents the recognized magnetic ink characters is referred to herein as MICR data. Scanner313further may be configured to capture an access code as described herein. The access code may be a barcode printed on a paper ticket. The paper ticket may be scanned to read the barcode included. The access code also may be a barcode displayed on a mobile device, such as a cellular telephone. A user may place the display of the mobile device in the scanning field of view of the scanner313and the barcode may be read there from without the need for a paper ticket. Scanner313also may be configured to read a radio frequency identification (RFID) associated with a card, a mobile device, and/or some other apparatus of an individual.

FIG. 4is an illustrative block diagram of a system for deposit of monetary funds in accordance with at least one aspect of the present disclosure.FIG. 4illustrates a system for generation and use of a paper ticket415with an access code allowing deposit of monetary funds into an account where the individual making the deposit is a non-account owner on the account. An account owner405may access a self-service financial transaction device300a, such as an automated teller machine (ATM). Alternatively, although not shown inFIG. 4, the account owner405may access a computer operatively connected to an entity401through a network312. The self-service financial transaction device300amay be connected to an entity401though a network312. Network312may include one or more networks, whether publicly accessible, privately accessible, or a combination of the two. In addition, network312may include wired, wireless, or a combination of both technologies for implementation. Network312may include intranets and/or the Internet.

Entity401may be a financial institution that owns and/or operates the self-service financial transaction device300afor distribution of information and/or monetary funds to an individual and/or to receive information and/or monetary funds from an individual. Account owner405may access a corresponding account of the account owner405that she has with the entity401by utilizing the self-service financial transaction device300a. After some form of authentication of the account owner405, the account owner405may request to generate an access code for permitting an individual to deposit monetary funds into the account associated with an entity. This individual being permitted to deposit monetary funds is not an account owner of the account.

As part of the process for generating an access code to allow for automated deposit of monetary funds, the account owner405may include one or more account owner defined criteria associated with the access code. These one or more criteria may include identification of a specific individual, as described below in more detail below with respect toFIGS. 11A-11Band17. In addition, these one or more criteria may include one or more restrictions on the permission to allow for deposit of monetary funds into the account. Such an illustrative criterion includes a restriction on the time period in which a deposit may be made. The account owner405may want to allow an individual to only deposit for a specific period of time, for an allowable period of time in a day, month, year, etc., and/or until a specific date and time. Another illustrative criterion includes a restriction on requiring a minimum and/maximum threshold amount of monetary funds that may be deposited. The account owner405may desire that minimum amounts of monetary funds are required for depositing and/or a maximum amount may be set as a threshold to restrict large amounts of deposit in the account. Any of a number of other restrictions and/or account owner405defined criteria may be associated with the access code.

The access code may be generated by the self-service financial transaction device300a. In the example shown inFIG. 4, the account owner405may request the self-service financial transaction device300ato output the access code by printing a paper ticket415. Paper ticket415may include any of a number of types of identification of the permission to deposit monetary funds into the account of the account owner405without providing account number data of the account owner405. Paper ticket415may include a barcode for reading by a self-service financial transaction device, such as self-service financial transaction device300bas shown inFIG. 4. If paper ticket415includes a barcode, the barcode may be encrypted to ensure greater protection against the dissemination of sensitive and/or confidential information associated with the owner of the account405.

With the paper ticket415, account owner405may distribute the paper ticket415to an individual that is not an owner of the associated account. For example, the account may be for a child and the account owner405may be a parent having control over the account. In such an example, the account owner405may distribute the paper ticket415to a grandparent of the child. Then, the grandparent of the child may make a deposit of monetary funds into the account even though the grandparent is not an account owner on the account. The grandparent may utilize the paper ticket415at the same and/or a different self-service financial transaction device. As shown inFIG. 4, the grandparent may utilize paper ticket415at a different self-service financial transaction device300balthough it is understood that the same self-service financial transaction device300amay be used as well.

In the example ofFIG. 4, entity401may own and/or operate the self-service financial transaction device300b, like self-service financial transaction device300a, for distribution of information and/or monetary funds to an individual and/or to receive information and/or monetary funds from an individual. As should be understood, self-service financial transaction devices300aand300bmay be different self-service financial transaction devices that are owned and/or operated by different entities401. In such an example, the two different entities401would perform common transfers of monetary funds in accordance with the description described herein in addition to conventional manners.

When accessing self-service financial transaction device300bwith paper ticket415, an individual may be identified as an individual that has an account, although different from the account associated with the paper ticket415, with the entity401. For example, entity401may be a bank and the account owner405may have a checking account associated with the paper ticket415and the individual using the paper ticket415at self-service financial transaction device300bmay have a different savings account with the entity bank401. Alternatively, the individual need not be identified at all by the self-service financial transaction device300b.

If one or more account owner criteria and/or restrictions have been associated with the access code included on the paper ticket415, a determination may be made by the self-service financial transaction device300band/or other external computer as to whether the individual is prevented from depositing monetary funds into the account associated with the paper ticket415. If no criteria exist and/or if no restrictions prevent the deposit, the individual utilizing the paper ticket may deposit any of a number of different types of monetary funds into the self-service financial transaction device300b. For example, monetary funds may include cash, checks, charges to a credit card or debit card of the individual, and/or other types of monetary funds. The present disclosure is not so limited to the examples provided herein. Upon receipt of the monetary funds and optional confirmation of the monetary funds as not falsified monetary funds, the amount of the monetary funds may be transferred into the account of the account owner405associated with the paper ticket415.

FIG. 5is another illustrative block diagram of a system for deposit of monetary funds in accordance with at least one aspect of the present disclosure.FIG. 5is similar toFIG. 4except that it illustrates a system for generation and use of an electronic access code maintained in a mobile device515allowing deposit of monetary funds into an account where the individual making the deposit is a non-account owner on the account. An account owner, such as account owner405inFIG. 4, may access a self-service financial transaction device, such as self-service financial transaction device300ainFIG. 4, or a computer505operatively connected to entity401through network312. Computer505may be connected to entity401though network312.

An account owner may access a corresponding account of the account owner that she has with the entity401by utilizing computer505. After some form of authentication of the account owner, the account owner may request to generate an access code for permitting an individual to deposit monetary funds into the account associated with an entity. This individual being permitted to deposit monetary funds is not an account owner of the account. As part of the process for generating an access code to allow for automated deposit of monetary funds, the account owner may include one or more account owner defined criteria associated with the access code.

The access code may be generated by computer505. In the example shown inFIG. 5, the account owner may request the computer505to output the access code by generating an email that includes the access code and/or an Internet accessible address to the access code. The access code may include any of a number of types of identification of the permission to deposit monetary funds into the account of the account owner without providing account number data of the account owner.

Account owner may distribute the access code to an individual that is not an owner of the associated account by dissemination of an email with the access code, a broadcast of the access code by means of a universal resource locator (URL) link, and/or some other manner. In the example ofFIG. 5, the account owner may distribute an email with the access code included. An individual may access the email via a mobile device515. Then, the individual may make a deposit of monetary funds into the account even though the individual is not an account owner on the account. The individual may utilize her mobile terminal515at the same and/or a different self-service financial transaction device. As shown inFIG. 5, the individual may utilize a self-service financial transaction device300. In this example, the individual may receive the email with the barcode via a cellular network connection to network312and then display the barcode on a display of mobile terminal515. Self-service financial transaction device300may be configured to scan the barcode from the display of the mobile terminal515in a similar manner as scanning a paper ticket415shown inFIG. 4.

If one or more account owner criteria and/or restrictions have been associated with the access code, a determination may be made by the self-service financial transaction device300and/or other external computer as to whether the individual is prevented from depositing monetary funds into the account associated with the access code. If no criteria exist and/or if no restrictions prevent the deposit, the individual utilizing the access code may deposit any of a number of different types of monetary funds into the self-service financial transaction device300b. Upon receipt of the monetary funds and optional confirmation of the monetary funds as not falsified monetary funds, the amount of the monetary funds may be transferred into the account of the account owner associated with the access code.

Still further, although described as scanning a barcode displayed on a mobile terminal515inFIG. 5, mobile terminal515may not need a barcode for scanning to be displayed. Upon accessing the self-service financial transaction device300, an RFID associated with the mobile terminal515of the individual may be identified. The RFID may be correlated to a database of information as to the allowance of the individual to deposit monetary funds into the account. In one example, upon receiving the RFID of the mobile terminal515of the individual, the self-service financial transaction device515may communicate with the mobile terminal515to receive additional data, such as an electronic access code.

FIG. 6is another illustrative block diagram of a system for deposit of monetary funds in accordance with at least one aspect of the present disclosure.FIG. 6is similar toFIG. 5except that it illustrates a system for generation and use of an electronic access code maintained in a mobile device615allowing deposit of monetary funds into an account where the individual making the deposit is a non-account owner on the account without the need for the mobile terminal to communicate with a self-service financial transaction device300. An account owner, such as account owner405inFIG. 4, may access a self-service financial transaction device, such as self-service financial transaction device300ainFIG. 4, or a computer505operatively connected to entity401through network312. Computer505may be connected to entity401though network312.

The account owner may access a corresponding account of the account owner that she has with the entity401by utilizing computer505. After some form of authentication of the account owner, the account owner may request to generate an access code for permitting an individual to deposit monetary funds into the account associated with an entity. This individual being permitted to deposit monetary funds is not an account owner of the account. As part of the process for generating an access code to allow for automated deposit of monetary funds, the account owner may include one or more account owner defined criteria associated with the access code.

The access code may be generated by computer505. In the example shown inFIG. 6, the account owner may request the computer505to output the access code by generating an email that include the access code and/or an Internet accessible address to the access code. The access code may include any of a number of types of identification of the permission to deposit monetary funds into the account of the account owner without providing account number data of the account owner.

Account owner may distribute the access code to an individual that is not an owner of the associated account by dissemination of an email with the access code, a broadcast of the access code by means of a universal resource locator (URL) link, and/or some other manner. In the example ofFIG. 6, the account owner may distribute an email with the access code included. An individual may access the email via a mobile device615. Then, the individual may make a deposit of monetary funds into the account even though the individual is not an account owner on the account. The individual may utilize her mobile terminal615to make an electronic deposit of monetary funds into the account without accessing a self-service financial transaction device. In this example, the individual may receive the email with the access code via a cellular network connection to network312and then access a website of the entity401to authorize the deposit of monetary funds by utilizing her mobile terminal615.

If one or more account owner criteria and/or restrictions have been associated with the access code, a determination may be made by the entity401and/or other external computer as to whether the individual is prevented from depositing monetary funds into the account associated with the access code. If no criteria exist and/or if no restrictions prevent the deposit, the individual utilizing the access code may deposit any of a number of different types of monetary funds electronically. Upon receipt of the monetary funds and optional confirmation of the monetary funds as not falsified monetary funds, the amount of the monetary funds may be transferred into the account of the account owner associated with the access code.

Still further, although described utilizing an access code received via an email on the entity401website inFIG. 6, in another example, an RFID associated with the mobile terminal615of the individual may be identified. The RFID may be correlated to a database of information as to the allowance of the individual to deposit electronic monetary funds into the account. In one example, upon receiving the RFID of the mobile terminal615of the individual, the website of the entity401may communicate with the mobile terminal615to receive additional data, such as an electronic access code.

FIG. 7is an additional illustrative block diagram of a system for deposit of monetary funds in accordance with at least one aspect of the present disclosure.FIG. 7illustrates a system for generation and use of a magnetic card with an access code allowing deposit of monetary funds into an account where the individual making the deposit is a non-account owner on the account. An account owner705may access a self-service financial transaction device300a, such as an automated teller machine (ATM). Alternatively, the account owner705may access a computer707operatively connected to an entity401through a network312. The self-service financial transaction device300amay be connected to entity401though network312.

Account owner705may access a corresponding account of the account owner705that she has with the entity401by utilizing the self-service financial transaction device300a. After some form of authentication of the account owner705, the account owner705may request to generate an access code for permitting an individual to deposit monetary funds into the account associated with an entity. This individual being permitted to deposit monetary funds is not an account owner of the account. As part of the process for generating an access code to allow for automated deposit of monetary funds, the account owner705may include one or more account owner defined criteria associated with the access code.

The access code may be generated by the self-service financial transaction device300a. In the example shown inFIG. 7, the account owner705may request the self-service financial transaction device300ato output the access code by generating an email that includes the access code and/or an Internet accessible address to the access code. The access code may include any of a number of types of identification of the permission to deposit monetary funds into the account of the account owner705without providing account number data of the account owner705.

Account owner705may distribute the access code to an individual that is not an owner of the associated account by dissemination of an email with the access code, a broadcast of the access code by means of a universal resource locator (URL) link, and/or some other manner. In the example ofFIG. 7, the account owner705may distribute an email with the access code included. The individual may associate a credit card and/or debit card715with the access code included in the email. Alternatively, the access code automatically may be associated with the credit card and/or debit card715.

Then, the individual may make a deposit of monetary funds into the account even though the individual is not an account owner on the account. The access code may be associated with a credit card and/or debit card715of the individual. The individual may utilize her associated credit card and/or debit card715at the same and/or a different self-service financial transaction device. As shown inFIG. 7, the individual may utilize her credit card and/or debit card715at a different self-service financial transaction device300balthough it is understood that the same self-service financial transaction device300amay be used as well.

In the example ofFIG. 7, entity401may own and/or operate the self-service financial transaction device300b, like self-service financial transaction device300a, for distribution of information and/or monetary funds to an individual and/or to receive information and/or monetary funds from an individual. As should be understood, self-service financial transaction devices300aand300bmay be different self-service financial transaction devices that are owned and/or operated by different entities401. In such an example, the two different entities401would perform common transfers of monetary funds in accordance with the description described herein in addition to conventional manners.

When accessing self-service financial transaction device300bwith a credit card and/or debit card715, an individual may be identified as an individual that has an account, although different from the account associated with the credit card and/or debit card715, with the entity401. For example, entity401may be a bank and the account owner705may have a checking account associated with the access code and the individual using her credit card and/or debit card715at self-service financial transaction device300bmay have a different savings account with the entity bank401.

If one or more account owner criteria and/or restrictions have been associated with the access code, a determination may be made by the self-service financial transaction device300band/or other external computer as to whether the individual is prevented from depositing monetary funds into the account associated with the access code. If no criteria exist and/or if no restrictions prevent the deposit, the individual utilizing the access code may deposit any of a number of different types of monetary funds into the self-service financial transaction device300b. Upon receipt of the monetary funds and optional confirmation of the monetary funds as not falsified monetary funds, the amount of the monetary funds may be transferred into the account of the account owner705associated with the access code.

FIG. 15is an illustrative flowchart of a method for generating an access code in accordance with at least one aspect of the present disclosure. The process starts and at1501, a request may be received to generate an access code associated with an account with an entity. The entity may be a financial institution and the request may be an input received from an account owner utilizing a self-service financial transaction device, such as an automated teller machine. Upon receipt of the request, an illustrative user interface for generating the access code permitting deposit of monetary funds into the account may be displayed to the account owner.FIG. 10Aillustrates a user interface1000A that may be utilized. User interface1000A may be displayed on a display of the self-service financial transaction device.

Returning toFIG. 15, at1503, a determination may be made as to whether one or more account owner defined criteria associated with the access code have been received. User interface1000A illustrates an area1001where the account owner may enter one or more of these account owner defined criteria to associate with the access code. These one or more criteria may include one or more restrictions on the permission to allow for deposit of monetary funds into the account. Such an illustrative criterion includes a restriction on the time period in which a deposit may be made. The account owner may want to allow an individual to only deposit for a specific period of time, for an allowable period of time in a day, month, year, etc., and/or until a specific date and time. Another illustrative criterion includes a restriction on requiring a minimum and/maximum threshold amount of monetary funds that may be deposited. The account owner may desire that minimum amounts of monetary funds are required for depositing and/or a maximum amount may be set as a threshold to restrict large amounts of deposit in the account. Other restrictions include only allowing paper tickets to be utilized for deposit of monetary funds. Any of a number of other restrictions and/or account owner defined criteria may be associated with the access code.

If no account owner defined criteria are received, the process may move to1509directly. If one or more account owner defined criteria associated with the access code have been received, in1505and1507, the respective criterion may be noted for the access code as a parameter to be addressed when determining whether an individual utilizing the access code is permitted to deposit monetary funds into the account of the account owner. Following the receipt of the account owner defined criteria, the process moves to1509.

In1509, the access code may be generated. Generation of the access code may occur in response to an input received from an account owner requesting the same, such as operational button1003illustratively shown in user interface1000A. Moving to1511, a request to output the access code may be received. The request may be from the account owner in order to disseminate the access code to one or more other individuals who are not owners on the associated account.FIG. 10Billustrates a user interface1000B that may be utilized in accordance with the description herein. User interface1000B may be displayed on a display of the self-service financial transaction device. User interface1000B illustrates a message1005to the account owner allowing the account owner to enter a manner for distribution of the access code.

As shown inFIG. 10B, user interface1000B includes message1005requesting the account owner decide to output a paper ticket with the access code, obtain an Internet accessible address to the access code, and/or output an email that includes the access code. Upon selection of one or more of these outputs, the system may be configured to operate in response. For example, the self-service financial device may print a paper ticket in1513in response to the first option in1005. In response to the second option, a URL link may be generated in1517and the URL may then be provided1519in some manner to the account owner, whether shown on the display of the self-service financial transaction device, associated with the account of the account owner of access at another computer, and/or electronic transfer to a device of the account owner. In response to the third option shown with respect to message1005, the self-service financial transaction device may be configured to send an email that includes the access code in1515. The email may be sent to the account owner for forwarding to others and/or may be sent directly to the other individuals for use in depositing monetary funds into the account associated with the access code.

FIG. 16is an illustrative flowchart of a method for depositing monetary funds into an account in accordance with at least one aspect of the present disclosure. An individual may access a self-service financial transaction device in order to attempt to deposit monetary funds into an account in which she is not an owner. The process starts and at1601, a determination may be made as to whether the individual is an account owner on a different account with the entity that the account she is attempting to deposit into is associated with. For example, the individual seeking to make a deposit of monetary funds may be a customer of the entity and have a different savings account associated with the entity. The account in which the individual seeks to make a deposit of the monetary funds may be a checking account associated with the entity. As such, in this example, the result of1601is yes and the process moves to1603. If the individual seeking to make a deposit is not an account owner of another account with the entity, the process moves to1607directly.

In1603, a message may be outputted to the individual in inquiry as to what action the individual would like to take. Such a message may be a textual and/or graphical message displayed on a device, such as a self-service financial transaction device. Such a message also may be an audio message and/or a combination of audio and video.FIG. 9Ais an illustrative user interface900A that may be displayed as a message a-described herein. In user interface900A, message901may be displayed to the individual to inquire as to whether the individual would like to access her account with the entity or the account in which she is not an account owner. In the example ofFIG. 9A, it is Account ID X. Proceeding to1605, the individual chooses to deposit monetary funds into Account ID X inFIG. 9A.

Moving to1607, the system may determine the type of request received from the individual. If a paper ticket is being used by the individual, the process moves to1609where the paper ticket may be scanned by a self-service financial transaction device. If a mobile terminal is being used to display an access code on a display of the mobile terminal, the process moves to1611where the mobile terminal may be scanned by a self-service financial transaction device. A barcode on the display of the mobile terminal may be scanned by the self-service financial transaction device. If a mobile terminal is being used with an associated RFID, the RFID of the mobile terminal may be read in1613by a self-service financial transaction device. Whether by way of1609,1611, or1613, the process moves to1615.

In1615, a determination may be made as to whether a restriction exists on depositing into the account by the individual. Any of multiple types of restrictions may be prevent the deposit of monetary funds by the individual. For example, if a period of time has expired for the individual to make a deposit in1617, the individual is prevented from making a deposit and the process ends. If a threshold amount of monetary funds the individual desires to deposit is exceeded, the individual is prevented from making a deposit and the process ends. An account owner may desire to have a maximum threshold allowed for a deposit into her account to reduce the impact of taxes on monetary funds gained. Any of a number of different types of restrictions may exist and any of a number of restrictions may be implemented by an account owner. If there are no restrictions preventing the deposit of monetary funds by the individual in1615, the process moves to1621.

In1621, the system may output a request for authorization input from the individual to make a deposit into the account.FIG. 9Bis an illustrative user interface900B for depositing monetary funds into the account when the individual seeking to deposit monetary funds has a separate account with the entity. As shown, user interface900B may include a message903to the individual to inquire as to the manner that the individual would like to use for depositing the monetary funds into the account. For example, the individual may deposit one or more of cash, checks, or a credit card. In addition, because in the example ofFIG. 9Bthe individual is an owner of a different account with the entity, the individual is presented with an option905to transfer funds from the individual's different account with the entity directly to the account the individual desires to deposit monetary funds to.

FIG. 8is an illustrative user interface800for depositing monetary funds into the account when the individual seeking to deposit monetary funds does not have a separate account with the entity. As shown, user interface800may include a message801to the individual to inquire as to the manner that the individual would like to use for depositing the monetary funds into the account. For example, the individual may deposit one or more of cash, checks, or a credit card. Any of a number of different manners for depositing monetary funds may be included and the examples included herein are merely illustrative.

Following1621, the process moves to1623where an authorization input to make a deposit into the account may be received. An example authorization input may be choosing of one of the options shown in illustrative user interface900B or800. In1625, the monetary funds for deposit into the account are received. Receipt may be in the form of cash being received, a check being received, or a credit card being charged. Then, in1627the amount of the monetary funds deposited may be transferred to the account.

FIG. 17is an illustrative flowchart of a method for permitting a specific individual to deposit monetary funds in an account in accordance with at least one aspect of the present disclosure. In1701, a request may be received to permit a specific individual to deposit monetary funds into an account in which the individual is not an account owner.FIG. 11Aillustrates a user interface1100A that may be displayed to an account owner in response to1701. An account owner may want to grant a specific individual the right to deposit. For example, the account owner may be a parent and the parent may want to grant a grandparent the right to deposit funds into the account.

In1703, one or more account owner defined criteria identifying the specific individual may be identified. Any of a number of different account owner defined criteria may be entered by the account owner. In user interface1100A inFIG. 11A, a number of different account owner defined criterion1101may be entered by an account user and received by the system in1703. Examples include a name, a date of birth, and an ID number, such as a social security number or driver's license number. The process then moves to1705where a determination may be made as to whether one or more account owner defined criteria on the permission to grant deposit access is received. If not, the process proceeds to1713.

If one or more account owner defined criteria are received, the received criteria are identified. User interface1100B shown inFIG. 11Billustrates an example user interface for an account owner to input one or more account owner defined criteria1105. The one or more account owner defined criteria may include one or more restrictions on the permission to deposit monetary funds for the specific individual. The account owner may enter a restriction on the period of time in which the specific individual may deposit monetary funds into the account, such as until a specific date and time. Such a date and time may be just before midnight on the last day of a taxable calendar year. As such, no monetary funds may be received in a new calendar year that may affect taxes of the account owner adversely. Such a period of time restriction may be identified in1707. The account owner may enter a restriction for a threshold amount of monetary funds, whether a maximum amount and/or a minimum amount, the specific individual is required to deposit into the account, such as at least $5. Such a threshold amount of monetary funds restriction may be identified in1709. The account owner may enter a restriction for a specific amount of monetary funds the specific individual is required to deposit into the account, such as $100. An account owner may desire to specify the amount to ensure that the individual neither deposits too much monetary funds nor deposits too little. Such a specific amount of monetary funds restriction may be identified in1711.

Proceeding to1713, data representing a permission for the specific individual to deposit monetary funds into the account, including any account owner defined criteria associated therewith, may be stored in one or more memories for use by the system when the specific individual may attempt to make a deposit into the account. The process of1715may be implemented in response to an entry of the account owner. As shown inFIG. 11B, an account owner may access button1107to initiate the storage of the permission for the specific individual. Then, in1717, a determination may be made as to whether a request for another specific individual is received. If not, the process ends. If a request is received to generate a permission for deposit of monetary funds into the account by another specific individual, the process may return to1701. Each specific individual may have one or more similar and/or different restrictions on a corresponding restriction compared to another specific individual.

FIG. 18is an illustrative flowchart of a method for depositing monetary funds into an account in accordance with at least one aspect of the present disclosure. The description ofFIG. 18may follow the description ofFIG. 17. The process starts and at1801aspecific individual may be identified. Identification of the specific individual may be in response to the specific individual accessing a card reader of a self-service financial transaction device. Having identified the specific individual, in1803a request from the specific individual to deposit monetary funds into an account in which the specific individual is not an owner may be received.

In1805, the type of request received in1803may be determined. If the request is received by a credit card, the credit card may be scanned and accessed in1807. If the request is received by a debit card, the debit card may be scanned and accessed in1809. If the request is received by a mobile terminal, an RFID associated with the mobile terminal may be read in1811.

In1813, a determination may be made as to whether a restriction exists on depositing into the account by the specific individual. Any of multiple types of restrictions may prevent the deposit of monetary funds by the specific individual. For example, if a period of time has expired for the specific individual to make a deposit in1815, the specific individual is prevented from making a deposit and the process ends. If a threshold amount of monetary funds the specific individual desires to deposit is exceeded in1817, the specific individual is prevented from making a deposit and the process ends. Any of a number of different types of restrictions may exist and any of a number of restrictions may be implemented by an account owner. If there are no restrictions preventing the deposit of monetary funds by the specific individual in1813, the process moves to1819.

In1819, the system may output a request for authorization input from the specific individual to make a deposit into the account. Following1819, the process moves to1821where an authorization input to make a deposit into the account may be received. In1823, the monetary funds for deposit into the account are received. Receipt may be in the form of cash being received, a check being received, or a credit card being charged. Then, in1825the amount of the monetary funds deposited may be transferred to the account.

FIG. 12is an additional illustrative block diagram of a system for deposit of monetary funds in accordance with at least one aspect of the present disclosure.FIG. 12illustrates a system for generation and use of a credit card and/or debit card allowing deposit of a credit card payment in a self-service financial transaction device where the individual making the deposit does not have a self-service financial transaction device checking and/or savings account. An individual1205may have a credit card account associated with an entity401. Individual1205may not have a corresponding checking and/or savings account with the entity401that normally entitles an individual to receive and use an access card, e.g., an ATM card, on a self-service financial transaction device.

The individual1205may access a computer1203operatively connected to the entity401through a network312. Individual1205may access a corresponding credit card account that she has with the entity401by utilizing computer1203. After some form of authentication of the individual1205, the individual may request permission for the individual1205to deposit a credit card payment in a self-service financial transaction device associated with an entity.

As part of the process for generating a permission to allow for automated deposit of a credit card payment, the individual1205may include one or more credit card owner defined criteria associated with the permission. In addition, these one or more criteria may include one or more restrictions on the permission to allow for deposit of a credit card payment at a self-service financial transaction device associated with the entity401. Individual1205may access a self-service financial transaction device300. Then, the individual1205may make a deposit of a credit card payment in the self-service financial transaction device300.

FIG. 19is an illustrative flowchart of a method for permitting a credit card payment in accordance with at least one aspect of the present disclosure. In1901, a request to permit an individual associated with a credit card account of an entity to deposit a credit card payment in a self-service financial transaction device associated with the entity may be received.FIG. 13illustrates a user interface1300for permitting deposit of a credit card payment in a self-service financial service device in accordance with at least one aspect of the present disclosure. Any of a plurality of restrictions may be imposed by the credit card account owner as shown by1301. Depression of button1303may store a permission of the credit card account owner with any associated restriction, as data on one or more memories.

Proceeding to1903, an identifier of the individual may be read at a self-service financial transaction device associated with the entity. In1905, the individual may be identified by the system as the credit card account owner. In1907, a request from the individual to deposit monetary funds as the credit card payment into the self-service financial transaction device may be received.FIG. 14illustrates a user interface1400for depositing a credit card payment into a self-service financial transaction device in accordance with at least one aspect of the present disclosure. The request received in1907may correlate to the individual selecting one of the options identified by1401.

In1909, a determination may be made as to whether a restriction exists on depositing the credit card payment by the individual. Any of multiple types of restrictions may prevent the deposit of the credit card payment by the individual. For example, if a period of time has expired for the individual to make a deposit in1911, the individual is prevented from making a deposit and the process ends. If a minimum threshold amount of monetary funds the individual is allowed to deposit is not met in1913, the individual is prevented from making a deposit and the process ends. Any of a number of different types of restrictions may exist and any of a number of restrictions may be implemented. If there are no restrictions preventing the deposit of a credit card payment by the individual in1909, the process moves to1915.

In1915, an authorization input to make a deposit of a credit card payment may be received. In1917, the monetary funds as the credit card payment are received. Receipt may be in the form of cash being received, a check being received, or a credit card being charged. Then, in1917the amount of the monetary funds deposited may be used to reduce debt on the credit card of the individual.

One or more configurations and/or embodiments of the present disclosure in accordance with one or more aspects described herein may occur in other depositor and service provider environments, such as a depositor and teller of a financial entity. In one example, a depositor may have a paper ticket to allow for deposit of monetary funds into another individual's account. The depositor may provide the paper ticket to the teller. Without a need for identification from the depositor, the teller may receive the monetary funds for deposit and deposit those monetary funds into the account of the other individual pursuant to any restrictions associated with the paper ticket as described herein. In still other configurations, as an alternative to creation at a separate computer and/or ATM, an account owner may create a paper ticket at a counter of a teller at a financial entity. The account owner may then distribute the paper ticket to the depositor for depositing of monetary funds into the individual's account.

While illustrative systems and methods as described herein embodying various aspects of the present disclosure are shown, it will be understood by those skilled in the art, that the invention is not limited to these embodiments. Modifications may be made by those skilled in the art, particularly in light of the foregoing teachings. For example, each of the elements of the aforementioned embodiments may be utilized alone or in combination or subcombination with elements of the other embodiments. It will also be appreciated and understood that modifications may be made without departing from the true spirit and scope of the present disclosure. The description is thus to be regarded as illustrative instead of restrictive on the present invention.