Mobile cash deposit system and method

Patent metadata

Field	Value
Publication number	US-11526860-B1
Application number	US-202117405522-A
Country	US
Kind code	B1
Filing date	Aug 18, 2021
Priority date	Aug 24, 2016
Publication date	Dec 13, 2022
Grant date	Dec 13, 2022

Abstract

An electronic cash deposit system includes a processor that receives a user-generated request for a deposit of cash into an account, receive data generated from a scan of a machine-readable image on a receptacle that receives the cash, perform a validation of the deposit of the cash based on a correlation between the data generated from the scan and a transaction key, generate confirmation of the deposit of the cash when the validation is confirmed, and send a notification to a banking system to update the account to reflect the deposit of the cash in response to the confirmation being generated.

First claim

The invention claimed is:

1. An apparatus, comprising:
one or more image sensors;
an electronic display; and
one or more processors configured to:
receive one or more images of cash received by the apparatus, wherein the one or more images are acquired via the one or more image sensors;
generate a machine-readable image representative of an amount of the cash received by the apparatus; and
display the machine-readable image via the electronic display, wherein the machine-readable image comprises a transaction key, and wherein a server device is configured to:
receive the transaction key;
validate an identity of a user and an account associated with the user based on the transaction key; and
transfer funds corresponding to the amount of the cash into the account associated with the user in response to validating the identity of the user.

2. The apparatus of claim 1 , wherein the one or more processors are configured to generate the machine-readable image based on one or more serial numbers associated with the cash.

3. The apparatus of claim 2 , wherein the one or more image sensors are configured to employ optical character recognition (OCR) to acquire the one or more serial numbers.

4. The apparatus of claim 2 , wherein the machine-readable image is representative of the one or more serial numbers associated with the cash.

5. The apparatus of claim 1 , wherein the machine-readable image is configured to be scanned by an additional image sensor of a mobile device.

6. The apparatus of claim 1 , wherein the machine-readable image is configured to cause a mobile device to generate a visualization comprising a list of accounts for depositing the cash.

7. The apparatus of claim 1 , wherein the one or more processors are configured to send a notification to a banking system to update an account to reflect a deposit of the cash.

8. The apparatus of claim 1 , wherein the one or more processors are configured to wire an amount of funds to a banking system based on the cash.

9. A method, comprising:
receiving, via a processor, one or more images of cash received by a receptacle configured to receive the cash, wherein the one or more images are acquired via one or more image sensors disposed on the receptacle;
generating, via the processor, a machine-readable image representative of an amount of the cash received by the receptacle; and
displaying, via the processor, the machine-readable image via an electronic display disposed on the receptacle, wherein the machine-readable image comprises a transaction key, and wherein a server device is configured to:
receive the transaction key;
validate an identity of a user and an account associated with the user based on the transaction key; and
transfer funds corresponding to the amount of the cash into the account associated with the user in response to validating the identity of the user.

10. The method of claim 9 , wherein the machine-readable image is generated based on one or more serial numbers associated with the cash.

11. The method of claim 9 , wherein the machine-readable image comprises a Quick Response (QR) code.

12. The method of claim 9 , comprising employing optical character recognition (OCR) to acquire one or more serial numbers associated with the cash.

13. The method of claim 9 , wherein the machine-readable image is configured to be scanned by an additional image sensor of a mobile device.

14. The method of claim 9 , wherein the machine-readable image comprises a validation key configured to confirm an authorization of a deposit of the cash into a bank account.

15. A system, comprising:
a receptacle, comprising:
an image sensor configured to receive an image of cash placed in the receptacle;
at least one processor configured to generate a machine-readable image based on the image of cash; and
an electronic display configured to present the machine-readable image representative of an amount of the cash received by the receptacle; and a computing device, comprising a processor configured to:
receive a request for a deposit of the cash into an account;
receive the machine-readable image via one or more image sensors;
determine a transaction key based on the machine-readable image; and
send the transaction key to a server device, wherein the server device is configured to:
validate an identity of a user and an account associated with the user based on the transaction key; and
transfer funds associated with the deposit into the account associated with the user in response to validating the identity of the user.

16. The system of claim 15 , wherein the machine-readable image comprises a bar code or a Quick Response code.

17. The system of claim 15 , wherein the user request comprises a time, date, a location, a courier service provider, or any combination thereof.

18. The system of claim 15 , wherein the receptacle comprises a container configured to store the cash.

19. The system of claim 15 , wherein the image sensor is configured to capture one or more images of the cash as the cash is disposed in the receptacle.

20. The system of claim 19 , wherein the machine-readable image is configured to encode one or more serial numbers of the cash into the machine-readable image.

Assignees

• Usaa

Inventors

• Hu Yongxiang
• Reyna Diana
• Heldorf Aaron Lee Van

Classifications

• G07F9/06

  Coin boxes · CPC title

• G07D11/24

  Managing the inventory of valuable papers · CPC title

• G07F19/207

  Surveillance aspects at ATMs · CPC title

• G07D11/32

  Record keeping (transaction aspects G07F19/00) · CPC title

• G06K19/06037

  multi-dimensional coding · CPC title