Source: http://www.google.com/patents/US8164451?dq=inassignee:integral+inassignee:peripherals
Timestamp: 2016-02-09 21:09:44
Document Index: 492809885

Matched Legal Cases: ['art.\n12', 'art 417', 'art 417', 'art 417', 'art 417', 'art 417', 'art 417', 'art 417', 'art 417', 'art 435', 'art 435', 'art 435', 'art 435']

Patent US8164451 - Cash handling facility management - Google PatentsSearch Images Maps Play YouTube News Gmail Drive More »Sign inPatentsCash handling facilities, such as cash vaults, receive and process large quantities of cash. The cash handling facility may have a plurality of custody points at which the amount of cash being processed is verified, counted, stored, or otherwise processed. Cash handling personnel that are handling the...http://www.google.com/patents/US8164451?utm_source=gb-gplus-sharePatent US8164451 - Cash handling facility managementAdvanced Patent SearchPublication numberUS8164451 B2Publication typeGrantApplication numberUS 13/106,086Publication dateApr 24, 2012Priority dateJun 16, 2008Fee statusPaidAlso published asUS7965184, US7982604, US7982610, US8078534, US8341077, US8550338, US8556167, US8571948, US8577802, US20090309722, US20110210826, US20150149352, WO2009155262A1Publication number106086, 13106086, US 8164451 B2, US 8164451B2, US-B2-8164451, US8164451 B2, US8164451B2InventorsMichelle Nichols, Todd Atwood, James Heddleson, Felix Mon, Mark Waggoner, Wallace WebsterOriginal AssigneeBank Of America CorporationExport CitationBiBTeX, EndNote, RefManPatent Citations (131), Non-Patent Citations (10), Referenced by (6), Classifications (19), Legal Events (2) External Links: USPTO, USPTO Assignment, EspacenetCash handling facility management
US 8164451 B2Abstract
Cash handling facilities, such as cash vaults, receive and process large quantities of cash. The cash handling facility may have a plurality of custody points at which the amount of cash being processed is verified, counted, stored, or otherwise processed. Cash handling personnel that are handling the cash may be verified, detected, or otherwise documented as handling the cash. Automatic identification techniques may be implemented to track the cash and cash handling personnel at various custody points within the cash handling facility. A centralized tracking system may use the information obtained at each of the custody points to track, count, and verify the cash while it is located within the cash handling facility.
1. A method of handling a monetary package comprising:
determining a first monetary value that is associated with the monetary package while the monetary package is at a first custody point within a cash handling facility;
transferring the monetary package from the first custody point to a second custody point within the cash handling facility;
determining, by a computer, a second monetary value that is associated with the monetary package while the monetary package is at the second custody point; and
verifying, by the computer, whether the first monetary value is the same as the second monetary value.
2. The method recited in claim 1, further comprising: transferring the monetary package from the second custody point to a third custody point within the cash handling facility.
3. The method recited in claim 1, wherein the transferring the monetary package is performed by cash handling facility personnel.
4. The method recited in claim 3, wherein a radio-frequency identification (RFID) tag is attached to the facility personnel, and wherein the method further comprises identifying the cash handling facility personnel at least one of the first custody point and the second custody point.
5. The method recited in claim 1, further comprising: identifying the monetary package based on an identifier transmitted by a radio-frequency identification (RFID) tag attached to the monetary package.
6. The method recited in claim 1, wherein the monetary package comprises a cash bag.
7. The method recited in claim 1, wherein the monetary package comprises a cash strap.
8. The method recited in claim 1, wherein the first custody point is at least one of a cash tray, a smart table, a smart cart, a cash strap, and an armored carrier.
a device configured to be transferred from a first custody point to a second custody point;
an identification system, comprising:
a first scanner positioned at the first custody point and a second scanner positioned at the second custody point; and
a tag attached to the device;
wherein the first scanner is configured to detect a presence of the device when the tag is located at the first custody point and the second scanner is configured to detect a presence of the device when the tag is located at the second custody point;
tracking information indicating whether the first scanner has detected that the device is present at the first custody point and whether the second scanner has detected that the device is present at the second custody point;
information representing a first monetary value that is associated with the device when the device is detected as being present at the first custody point;
information representing a second monetary value that is associated with the device when the device is detected as being present at the second custody point; and
a processor configured to determine whether the first monetary value is equal to the second monetary value.
10. The system recited in claim 9, wherein the first custody point is a receiving area and the second custody point is a man trap.
11. The system recited in claim 9, wherein the first custody point is a man trap and the second custody point is a smart cart.
12. The system recited in claim 9, wherein the first and second scanners are RFID scanners, and the tag is an RFID tag.
13. The system recited in claim 10, wherein the at least one device is a deposit bag containing a plurality of cash bags, and wherein the tag is attached to at least one of the plurality of cash bags.
attaching a first radio-frequency identification (RFID) tag to a device, wherein the first RFID tag contains information representing (1) a first monetary value of a monetary package within the device and (2) an identifier associated with the device;
receiving the device at a receiving point of a facility having a first RFID scanner;
receiving a signal from the first RFID tag by the first RFID scanner, the signal including information representing the first monetary value and the unique identifier;
transferring the device from the receiving point to a first custody point within the facility;
counting the monetary package to determine a second monetary value of the monetary package when the device is located at the first custody point;
comparing, by a computer, the first monetary value with the second monetary value; and
responsive to determining that the first monetary value equals the second monetary value, transferring the device from the first custody point to a second custody point within the facility.
15. The method recited in claim 14, wherein the device is a deposit bag containing at least one of a cash bag and a cash strap, wherein the at least one of the cash bag and the cash strap contains at least one of physical cash and negotiable instruments.
16. The method recited in claim 14, wherein the information contained by the first RFID tag includes an amount of physical cash that is contained in the device.
17. The method recited in claim 14, wherein the transferring the device from the first custody point to the second custody point is performed by personnel having a second RFID tag attached thereto, the method further comprising tracking a physical location of the personnel by detecting the second RFID tag by a second RFID scanner.
This application is a continuation of U.S. application Ser. No. 12/262,502, filed Oct. 31, 2008, and entitled “Cash Handling Facility Management,” now U.S. Pat. No. 7,965,184, issued on Jun. 21, 2011, which claims priority to U.S. Provisional Application Ser. No. 61/061,987, filed Jun. 16, 2008, entitled “Cash Supply Chain Improvements,” the entire contents of which are all herein incorporated by reference.
The cash supply chain is manual, complex, has inherent risk issues, and is dispersed throughout a network of automatic teller machines (ATMs), cash handling facilities, banking centers, and cash recyclers. The costs of depositing, distributing, and managing cash across a major bank, as well as the amount of daily excess cash carried by such a bank, can be on the order of billions of dollars.
Today's client deposit process does not adequately allow clients to view the status of their deposit bag as it makes its way from the client site to the cash handling facility and potentially on to proof and bulk file. Proof and bulk file is the verification and storage of checks or other negotiable and non-negotiable instruments. Deposit bags are handled multiple times in the process, which increases potential errors, opportunity for unauthorized removal, and complicates finding missing transactions. Pertinent pieces of deposit data are typically manually entered and reentered into front-end systems throughout the end-to-end process. This lack of visibility into the end-to-end deposit and cash servicing capabilities restricts the ability to offer clients useful services as well as a bank's opportunities to be a differentiator in the market place.
Typically, deposit bags arrive at a cash handling facility and the cash, checks, or other monetary packages are counted by hand, and then reconciled with a paper ledger provided by the armored carrier. The armored carrier must wait until the manual count of the deposit bags matches the paper ledger and all errors are reconciled. Only after the deposit bags are reconciled with the paper ledger, may the deposit bags be assigned to a teller for counting, inspection, and/or redistribution. Deposit bags are manually assigned to tellers and workflow is managed based upon a human manager making subjective decisions regarding a particular teller's workflow capacity. The teller must take each deposit bag to a teller station and manually enter the declared amounts of cash and negotiable instruments that are present in the deposit bag before the teller is allowed to begin verifying the cash. Once the teller verifies the cash, the cash is taken to a sorter room for sorting, and then it is strapped. Strapped physical cash is stored within the cash handling facility. This entire process is expensive, time-consuming, and prone to errors.
Only a particular group of authorized people are allowed to handle the cash within the cash handling facility. However, it is possible for unauthorized people gain access to the cash handling facility. Such breaches of security can lead to unauthorized removal and mishandling of the cash. The personnel that handle the cash are responsible for securing a custody transfer of the cash, which must be closely monitored. The present system is performed manually, which is inefficient and error prone.
Advancements in the art of cash handling facility management that would increase efficiency, decrease errors, and decrease costs would be welcomed.
While a number of techniques to automate transaction handling have been attempted, there remains a need to increase the efficiency and accuracy of the financial transaction process. Consequently, it is desirable to increase the speed and accuracy of the financial transactions and to reduce the labor required to perform the transactions. It is also desirable to make information relating to the financial transaction rapidly available to the client, third party vendors, and the bank, and to identify more quickly problematic locations in the financial transaction, identify potential unauthorized removal, fraud or embezzlement, and identify industry trends. Information about a deposit or withdrawal, for instance, should be provided in an expeditious fashion as it is processed along a cash supply chain, where notification/reporting is customizable and automatic for enhancing the client's experience and for improving internal processes of a bank.
For instance, centralized monetary package tracking may allow for more accurate reporting of monetary package status. And, by pre-scheduling (initiation) of deposits and change orders into the centralized tracking system, anomalies in the transport of a monetary package (e.g., a lost or delayed cash package) may be recognized much earlier, even prior to actual deposit or arrival of the package at the processing site.
Another potential benefit of centralized cash package tracking may include improved cash handling facility management. Within a cash handling facility, the cash is transferred along a processing route that may include a plurality of custody points. The custody points may be any points of security, cash handling, counting, strapping, storing, or the like that the cash undergoes while it is physically present in the cash handling facility. The custody points may also include a person or group of people that handle the cash. Any physical location within a transfer of custody would define a custody point.
Identification tags may be attached to any of the items and to any personnel involved in the cash handling facility process, which provides for detailed and accurate tracking of the location of the cash and the movement of cash within the cash handling facility. The centralized tracking system may receive information relating to the item at each custody point in the cash handling facility. Such information may be used to quickly verify that cash is present at a particular location and may assist the personnel in quickly verifying the contents of a deposit bag.
At many points of custody within the cash handling facility, a verification process occurs in which a paper or electronic ledger describing the contents of the bag is reconciled with the actual contents of the bag. The verification process may be handled by a person or a mechanical or electro-mechanical device, such as a scale, a smart cart, a smart table, a cash recycler, a cash tray, a cash strap, and any other device that may be involved with the cash while it is in the cash handling facility.
FIG. 3 is a functional block diagram of an illustrative cash package tracking environment.
FIG. 4 is an illustrative transfer of custody process for cash within a cash handling facility.
FIG. 5 is an illustrative cash handling facility having a plurality of custody points.
FIG. 1 is a graphical depiction of an illustrative cash supply chain for a monetary item deposit/withdrawal lifecycle. In this example, a centralized tracking system 101 communicates with various parties, such as a bank client 102, a deposit location 103, an armored carrier 104 or other transport service, a bank vault 105, and a pickup location 106. Communication between centralized tracking system 101 and the various parties 102-106 may be performed across any one or more communication media. Examples of communication media include, but are not limited to, a network such as the Internet, a local-area network or LAN, a wireless LAN or WLAN, and/or a telephone network such as a landline telephone network and/or a cellular telephone network. Other examples of communication media include a dedicated landline link and/or satellite or other wireless link. While not explicitly shown, monetary items may be processed internally within a node (e.g., within bank vault 105). Consequently, each node may have a network within itself.
FIG. 4 depicts an illustrative process of a cash movement within a cash handling facility. The cash handling facility may be a cash vault or any other location at which cash transfers custody from a first location to a second location. A custody transfer occurs any time cash is moved from a first location to a second location. Various equipment and/or personnel may be involved in the custody transfer and any information about the custody transfers may be documented. The central tracking system, such as central tracking system 101 described above, may implement an RFID tracking system that automatically identifies items at various locations. As applied to the cash handling facility scenario, RFID tags may be attached to one or more items that arrive at or are located within the cash handling facility. RFID scanners may detect the presence of the RFID tags at a particular location and record the location of the item to which the RFID tag is attached. Such items may be deposit bags, cash bags, cash straps, personnel, man traps, cash trays, smart carts, smart tables, and any other suitable item located at the cash handling facility.
In FIG. 4, armored carrier personnel 401 may arrive at the cash handling facility to deliver a first deposit bag 403 containing cash and a second deposit bag 405, which also contains cash. A first RFID tag 407 may be attached to the first deposit bag 403 and a second RFID tag 409 may be attached to the second deposit bag 405. The armored carrier personnel 401 may conduct a custody transfer by physically moving the first deposit bag 403 and the second deposit bag 405 into a man trap 411. Any carrier may be responsible for transportation of the monetary packages and/or transferring the monetary packages from a first custody point to a second custody point. This could include manual and/or automatic transfers performed by a human or a machine.
The man trap 411 may be the receiving point at the cash handling facility. In some examples, the man trap 411 serves as a secure deposit point for the armored carrier to deliver the cash packages. An RFID scanner 413 positioned at or near the man trap 411 may detect a first signal containing information from the first RFID tag 407 and a second signal containing information from the second RFID tag 409. The RFID scanner 413 may also detect a signal from an RFID tag 415 attached to the armored carrier personnel 401.
Generally, an RFID signal may include information such as a unique identifier (e.g., alphanumeric text or a name), information about the contents of the item to which the RFID tag is attached (e.g., the quantity of cash, denomination of cash, etc.), information about the source of the item or the sender of the item, and any other characteristics of the item. The information transmitted in the signals may be tracked by the centralized tracking system 417.
The contents of each of the first deposit bag 403 and the second deposit bag 405 may be physically transferred to the man trap 411. The man trap 411 may serve as a secure custody transfer between the armored carrier personnel 401 and the cash handling facility. Custody of the first deposit bag 403 and the second deposit bag 405 may be transferred from the man trap 411 to a smart cart 417 equipped with an RFID tag 419. A smart cart 417 may be a cart that is equipped with sensors for detecting the contents of cash that are physically placed on the cart. For example, a smart cart 417 may be equipped with a pressure or force sensor and may be able to detect the weight on the physical cash, which may correspond with a particular dollar amount of the physical cash. The smart cart 417 may also have an RFID scanner that detects the presence of the RFID tags attached to a cash package placed on the smart cart 417. As described below, the RFID tags may send a signal to an RFID scanner that describes the contents of the item to which the RFID tag is attached.
A smart cart signal may be transmitted from the RFID tag 419. The smart cart 417 may analyze the contents of the first deposit bag 403 and the second deposit bag 405 and calculate the amount of cash that is contained within the first deposit bag 403 and the second deposit bag 405. This amount is communicated to the centralized tracking system 417. In some arrangements, the amount is also reconciled with the amount determined by the armored carrier 401 and/or the man trap 411. Some or all of this information is communicated to the centralized tracking system 417.
The first deposit bag 403 may be assigned to a first teller (not shown) at a first teller station 421. The first teller station 421 may be a smart table having an RFID tag as illustrated in FIG. 4. Similar to the smart cart 417 described above, the smart table may have a one or more sensors that detect characteristics about the items that are place on the smart table. For example, a pressure or force sensor may detect the weight of an item placed on the smart table, which may correspond to a particular amount of physical cash contained in the item. The smart table may also contain an RFID scanner that detects the presence of RFID tags attached to items containing cash, as described below.
The cash contents of the first deposit bag 403 are removed and placed on the smart table by the teller. The cash contents may be divided into one or more cash packages including a first cash package 423, a second cash package 425, and a third cash package 427. Each of the cash packages may have an RFID tag associated with it that is read by an RFID scanner 429. A signal is transmitted from the cash packages to the RFID scanner 429 containing information regarding the contents of the cash packages to the centralized tracking system 417. The teller may count the contents of each of the cash packages 423, 425, 427 and determine an amount of cash contained in each of the cash packages 423, 425, 427. These amounts are reconciled with the amount of the first deposit bag 403 that is determined by the armored carrier 401, the man trap 411, and/or the smart cart 417. In some examples, a paper or electronic ledger accompanies the cash packages as it is transported between custody points within the cash handling facility.
A second teller 431 equipped with an RFID tag 433 may be responsible for physically transferring the contents of the first cash package 423, the second cash package 425, and the third cash package 427 from the first teller station 421 to another smart cart 435 equipped with an RFID tag 437. This smart cart 435 may transmit an RFID signal to the centralized tracking system 417 that verifies the presence of the cash within the smart cart 435. The second teller 431 may arrive at the cash vault 439 into which the cash is transferred for storage. The presence and/or amount of the cash may once again be verified after the second teller 431 has secured the storage of the cash within the cash vault. A cash vault RFID scanner 441 detects the second teller 431 and/or the cash packages 423, 425, 427 and/or smart cart 435, which may provide yet another verification process of the contents of the cash packages. Further, the cash vault RFID scanner 441 also verifies the identity of the second teller by the identifying information transmitted from the second teller's RFID tag 433 and permits the second teller 431 entrance to the cash vault 439. The cash vault's RFID scanner 441 may only permit authorized personnel to enter the cash vault 439.
In some arrangements, access to the cash vault 439 may also require input of a user identification number, password, biometric data, etc. For instance, in order to gain access to the cash vault 439, second teller 431 may input a unique identification number, such as an employee number, password, etc. or submit to an iris scan, fingerprint scan, voice recognition scan, or other verification process. This additional user information may add an additional layer of security to ensure that only authorized personnel gain access to the cash vault 439. At each point that the RFID scanners within the cash handling facility receive information about the location of the cash or personnel or the contents of the cash packages, an electronic signal may be transmitted to the centralized tracking system to document these actions, verify that the actions are correct, and to authorize personnel to handle the cash at various custody points.
At each custody point within the cash handling facility, the action performed and personnel handling the cash may be transmitted in an electronic signal via an RFID system that is in communication with a computing system that hosts the centralized tracking system 417. The centralized tracking system 417 may be able to track the cash through each step along the intake process at the cash handling facility. Further, the amount of the cash may be verified at each step and each person or other custodian or machine that handles the cash may be documented.
The term “verification” may mean counting the cash to verify that the amount of cash that is present in each of the deposit bags matches the amount of cash that is purported to be present in each of the deposit bags by the armored carrier personnel 401 or at any previous custody point in the cash handling facility process. The transfer of the deposit bags and/or the cash packages between custody points are physically moved between the custody points by a custodian. A custodian may be a person, such as an armored carrier personnel, or a device, such as a smart cart or man trap.
FIG. 5 illustrates another example cash handling facility 501. The cash handling facility 501 may have a plurality of custody points including a receiving area 503, a man trap 505, a first smart table 507, a second smart table 509, and a cash vault 511. The cash handling facility 501 may also include a point of sale 513, one or more automated teller machines 515, office space 517, and/or other retail space 519. An RFID tracking system may be implemented within the cash handling facility 501 that includes a plurality of RFID tags attached to each of the custody points and to any person (not shown) who handles the cash.
The system described above may also be implemented in any facility that handles any monetary packages, including cash, coin, checks, coupons, food stamps, negotiable instruments, and any other monetary instrument. The processing and tracking information gathered may also be compared to in-transit records (e.g., the contents of monetary packages being transported in real-time by carriers). Such information may be manually or automatically reconciled. This comparison may also permit re-routing of carriers so that the monetary packages may be re-routed while the transport is occurring, if a request comes in that may be met by the contents of the monetary packages being transported by the carriers. In essence, the monetary packages being transported may also be used to fill change order requests and other cash handling needs because such monetary packages are being tracked.
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