Banking systems controlled by data records

Patent metadata

Field	Value
Publication number	US-10453290-B2
Application number	US-201715686677-A
Country	US
Kind code	B2
Filing date	Aug 25, 2017
Priority date	Apr 15, 2016
Publication date	Oct 22, 2019
Grant date	Oct 22, 2019

Abstract

A computing platform may receive, from one or more cash handling devices, aggregated activity information comprising a plurality of transaction records. Subsequently, the computing platform may identify one or more deposit transactions based on the aggregated activity information comprising the plurality of transaction records. Based on identifying the one or more deposit transactions, the computing platform may generate one or more account credit commands, which may direct at least one account management computer system to apply one or more provisional credits to one or more treasury accounts associated with the one or more deposit transactions. Subsequently, the computing platform may send, to the at least one account management computer system, the one or more account credit commands directing the at least one account management computer system to apply the one or more provisional credits to the one or more treasury accounts associated with the one or more deposit transactions.

First claim

What is claimed is:

1. A computing platform, comprising:
at least one processor;
a communication interface communicatively coupled to the at least one processor; and
memory storing computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
receive, via the communication interface, and from one or more cash handling devices, aggregated activity information comprising a plurality of transaction records;
identify one or more deposit transactions based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices;
based on identifying the one or more deposit transactions based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices, generate one or more account credit commands, the one or more account credit commands directing at least one account management computer system to apply one or more provisional credits to one or more treasury accounts associated with the one or more deposit transactions;
send, via the communication interface, to the at least one account management computer system, the one or more account credit commands directing the at least one account management computer system to apply the one or more provisional credits to the one or more treasury accounts associated with the one or more deposit transactions;
receive, via the communication interface, from a client computing device, a request for a client management portal;
based on receiving the request for the client management portal from the client computing device, provide, via the communication interface, to the client computing device, at least one client management interface, wherein providing the at least one client management interface to the client computing device comprises providing a graphical user interface to the client computing device comprising one or more controls enabling a user of the client computing device to define one or more client-specific settings for at least one cash handling device of the one or more cash handling devices;
receive, via the communication interface, from the client computing device, configuration input defining one or more configuration settings for at least one cash handling device of the one or more cash handling devices, the configuration input being received by the client computing device via the at least one client management interface;
control operation of the at least one cash handling device of the one or more cash handling devices based on the configuration input received from the client computing device by sending, via the communication interface, and to the at least one cash handling device of the one or more cash handling devices, configuration information directing the at least one cash handling device of the one or more cash handling devices to implement the one or more configuration settings defined for the at least one cash handling device of the one or more cash handling devices, wherein sending the configuration information to the at least one cash handling device of the one or more cash handling devices causes the at least one cash handling device of the one or more cash handling devices to implement the one or more configuration settings;
evaluate a currency level indicative of an amount of currency stored in a first cash handling device of the one or more cash handling devices;
identify a restocking need based on evaluating the currency level indicative of the amount of currency stored in the first cash handling device of the one or more cash handling devices;
based on identifying the restocking need, generate a restocking request, the restocking request directing a transport agent to restock the first cash handling device of the one or more cash handling devices; and
send, via the communication interface, to a transport computer system, the restocking request directing the transport agent to restock the first cash handling device of the one or more cash handling devices.

2. The computing platform of claim 1 , wherein the plurality of transaction records received from the one or more cash handling devices comprises information identifying, for each transaction, a specific user who performed the transaction, an amount of currency involved in the transaction, a time at which the transaction occurred, and a specific cash handling device on which the transaction was performed.

3. The computing platform of claim 2 , wherein receiving the aggregated activity information comprises:
receiving, via the communication interface, and from the first cash handling device of the one or more cash handling devices, first activity information comprising a first plurality of transaction records associated with transactions performed by the first cash handling device; and
receiving, via the communication interface, and from a second cash handling device of the one or more cash handling devices, second activity information comprising a second plurality of transaction records associated with transactions performed by the second cash handling device.

4. The computing platform of claim 3 , wherein the first cash handling device is located at a first deployment location, and the second cash handling device is located at a second deployment location different from the first deployment location.

5. The computing platform of claim 1 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
generate a client alert message based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices; and
send, via the communication interface, to the client computing device, the client alert message generated based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices.

6. The computing platform of claim 1 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
generate an internal alert message based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices; and
send, via the communication interface, to an administrative computing device, the internal alert message generated based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices.

7. The computing platform of claim 1 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
receive, via the communication interface, from an administrative computing device, a request for an administrative portal;
based on receiving the request for the administrative portal, provide, via the communication interface, to the administrative computing device, at least one administrative interface;
receive, via the communication interface, from the administrative computing device, second configuration input defining one or more second configuration settings for at least one second cash handling device of the one or more cash handling devices, the second configuration input being received by the administrative computing device via the at least one administrative interface; and
send, via the communication interface, and to the at least one second cash handling device of the one or more cash handling devices, second configuration information directing the at least one second cash handling device of the one or more cash handli

Assignees

• Bank Of America

Inventors

• Brancaccio Joan C

Classifications

• G07F19/20

  Automatic teller machines [ATMs] · CPC title

• G07F19/209

  Monitoring, auditing or diagnose of functioning of ATMs · CPC title

• G07D11/28

  Setting of parameters; Software updates · CPC title

• G07D11/20 Primary

  Controlling or monitoring the operation of devices; Data handling · CPC title

• G07D11/16 Primary

  Handling of valuable papers (within containers G07D11/13) · CPC title