Source: https://patents.google.com/patent/US9105145B2/en
Timestamp: 2019-08-25 12:57:04
Document Index: 441458638

Matched Legal Cases: ['Application No. 2', 'Application No. 07865976', 'application No. 07865976', 'Application No. 2009', 'Application No. 07865976', 'application No. 200780051569', 'Application No. 2009']

US9105145B2 - Commercial currency handling and servicing management - Google Patents
US9105145B2
US9105145B2 US12/559,993 US55999309A US9105145B2 US 9105145 B2 US9105145 B2 US 9105145B2 US 55999309 A US55999309 A US 55999309A US 9105145 B2 US9105145 B2 US 9105145B2
US12/559,993
US20100070392A1 (en
2006-12-21 Priority to US11/614,646 priority Critical patent/US20080154617A1/en
2006-12-21 Priority to US11/614,656 priority patent/US7635085B2/en
2009-09-15 Application filed by Bank of America Corp filed Critical Bank of America Corp
2009-09-15 Priority to US12/559,993 priority patent/US9105145B2/en
2010-03-18 Publication of US20100070392A1 publication Critical patent/US20100070392A1/en
2011-08-16 Assigned to BANK OF AMERICA CORPORATION reassignment BANK OF AMERICA CORPORATION ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: CALDERONE, ANTHONY B., JOHNSON, SHANE ANTHONY, BROWN, BRIAN DUANE, DEBNAM, HENRY W., WALBERT, JOHN SCOTT, WEICHERT, MARGARET MORGAN, JOHNSTON, BETHANN, SHAVER, JOHN DANIEL, NICHOLS, MICHELLE DAVIS, VENZON, JOHN N.
2015-08-11 Publication of US9105145B2 publication Critical patent/US9105145B2/en
This application claims the benefit of priority from and is a continuation of U.S. patent application Ser. No. 11/614,646, filed Dec. 21, 2006, entitled “Commercial Currency Handling and Servicing Management,” and now U.S. Pat. No. 7,635,085. The contents of the above application are hereby incorporated by reference in their entirety.
A starting point for proper cash flow management involves use of cash flow projections. Accurate cash flow projections enable business managers to make proper decisions regarding day-to-day operations and long-term strategic decisions such as investment decisions.
In an aspect of the invention, a cash recycling apparatus is utilized to receive currency deposits and recycle the deposited currency for withdrawals. In an embodiment, the cash recycling apparatus may scan each deposit for unauthorized reproductions of bills.
Cash recyclers 102, 104, and 106 may communicate with one another or with a financial institution such as bank 130 via communication network 120 in ways that are well known in the art. The existence of any of various well-known protocols, such as TCP/IP, Ethernet, FTP, HTTP, BLUETOOTH, Wi-Fi, ultra wide band (UWB), low power radio frequency (LPRF), radio frequency identification (RFID), infrared communication, IrDA, third-generation (3G) cellular data communications, Global System for Mobile communications (GSM), or other wireless communication networks or the like may be used as the communications protocol. Communications network 120 may be directly connected to a financial institution such as bank 130. In another embodiment, communications network 120 may be connected to a second network or series of networks 140 before being connected to bank 130.
In another aspect of the invention, the user may deposit a cash register till into cash recycler 102. The user may first count the currency and enter the amount into the cash recycler 102. The cash recycler may tally the currency as it is being deposited and also check for potential unauthorized reproductions of currency. After entry of the contents of the till into the cash recycler 102, the amount entered by the user may be compared to the amount counted by cash recycler 102. If the amounts are equal, the cash recycler 102 may communicate with the financial institution or bank 130 to credit the appropriate enterprise accounts. If a discrepancy exists, the user may be prompted to verify their count or a supervisor may be requested to intervene. Upon resolution, the cash recycler 102 may communicate with the financial institution or bank 130 to credit the appropriate enterprise account.
FIG. 11 illustrates a report that may be generated in accordance with an aspect of the invention. In FIG. 11, a report is illustrated in image 1102. For example, the report may be for a grocery chain called “Store” 1104. The report may provide the user with the current day cash position for the grocery chain. For example, image 1102 illustrates a report which shows information 1108 and 1110 relating to cash positions at two stores 1109 and 1111. A total cash position for the grocery chain may also be provided along with other information at 1112.
a first cash recycler at a first retail location of a retail owner, the first cash recycler comprising:
a first memory storing computer-executable instructions that, when executed by the first processor, cause the first cash recycler to receive first currency and transmit, via the first communication interface, and to a bank server, one or more first recognition requests based on the first currency, wherein the one or more first recognition requests are configured to cause the bank server to apply an immediate credit for the first currency to one or more enterprise accounts associated with the retail owner;
a second cash recycler at a second retail location of the retail owner, the second cash recycler comprising:
a second memory storing computer-executable instructions that, when executed by the second processor, cause the second cash recycler to receive second currency and transmit, via the second communication interface, and to the bank server, one or more second recognition requests based on the second currency, wherein the one or more second recognition requests are configured to cause the bank server to apply an immediate credit for the second currency to the one or more enterprise accounts associated with the retail owner; and
the bank server comprising:
a third communication interface; and
a third memory storing computer-executable instructions that, when executed by the third processor, cause the bank server to:
receive, via the third communication interface, from the first cash recycler, the one or more first recognition requests;
receive, via the third communication interface, from the second cash recycler, the one or more second recognition requests;
determine, based on the one or more first recognition requests, a first real-time cash position of the first cash recycler at the first retail location, the first real-time cash position corresponding to a first amount of currency available to the retail owner at the first retail location;
determine, based on the one or more second recognition requests, a second real-time cash position of the second cash recycler at the second retail location, the second real-time cash position corresponding to a second amount of currency available to the retail owner at the second retail location;
generate, based on the first real-time cash position of the first cash recycler at the first retail location and the second real-time cash position of the second cash recycler at the second retail location, a report comprising information indicative of an overall cash position of the retail owner; and
cause the report comprising the information indicative of the overall cash position of the retail owner to be displayed to the retail owner via at least one user interface.
wherein the first cash recycler is configured to receive the first currency from a first cash register till at the first retail location, and
wherein the second cash recycler is configured to receive the second currency from a second cash register till at the second retail location.
wherein the first cash recycler is configured to receive a count from a user of the first cash recycler.
wherein the first cash recycler is configured to prompt the user of the first cash recycler to verify the count after receiving the first currency from the first cash register till if a discrepancy exists.
wherein the first cash recycler is configured to present a user interface comprising source amount information and a breakdown of currency denominations after receiving the first currency from the first cash register till.
wherein the first cash recycler is configured to present a user interface comprising an inventory report that identifies currency denominations available to be dispensed.
wherein the bank server is configured to present a user interface comprising a treasury screen, the treasury screen comprising one or more options to select an account service, make an account transfer, initialize information reporting, and initialize a transaction investigation.
US12/559,993 2006-12-21 2009-09-15 Commercial currency handling and servicing management Active 2029-04-06 US9105145B2 (en)
US11/614,646 US20080154617A1 (en) 2006-12-21 2006-12-21 Query-related object based navigation
US11/614,656 US7635085B2 (en) 2006-12-21 2006-12-21 Commercial currency handling and servicing management
US12/559,993 US9105145B2 (en) 2006-12-21 2009-09-15 Commercial currency handling and servicing management
US11/614,656 Continuation US7635085B2 (en) 2006-12-21 2006-12-21 Commercial currency handling and servicing management
US20100070392A1 US20100070392A1 (en) 2010-03-18
US9105145B2 true US9105145B2 (en) 2015-08-11
US11/614,656 Active US7635085B2 (en) 2006-12-21 2006-12-21 Commercial currency handling and servicing management
US12/559,993 Active 2029-04-06 US9105145B2 (en) 2006-12-21 2009-09-15 Commercial currency handling and servicing management
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2006-12-21 US US11/614,656 patent/US7635085B2/en active Active
2007-12-21 CA CA 2673300 patent/CA2673300A1/en not_active Abandoned
2007-12-21 AU AU2007336740A patent/AU2007336740C1/en not_active Ceased
2007-12-21 CN CN 200780051569 patent/CN101611430A/en not_active Application Discontinuation
2007-12-21 EP EP20070865976 patent/EP2095346A2/en not_active Withdrawn
2007-12-21 WO PCT/US2007/088650 patent/WO2008080101A2/en active Application Filing
2007-12-21 MX MX2009006682A patent/MX2009006682A/en not_active Application Discontinuation
2007-12-21 JP JP2009543274A patent/JP2010515124A/en active Pending
2009-09-15 US US12/559,993 patent/US9105145B2/en active Active
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US7635085B2 (en) 2009-12-22
MX2009006682A (en) 2009-10-26
WO2008080101A3 (en) 2008-12-04
AU2007336740C1 (en) 2012-11-22
JP2010515124A (en) 2010-05-06
US20100070392A1 (en) 2010-03-18
US20080149706A1 (en) 2008-06-26
CA2673300A1 (en) 2008-07-03
AU2007336740A1 (en) 2008-07-03
WO2008080101A2 (en) 2008-07-03
AU2007336740B2 (en) 2012-04-19
EP2095346A2 (en) 2009-09-02
CN101611430A (en) 2009-12-23