Systems and methods for accepting cash deposits or billpays at merchant point of transaction devices

Patent metadata

Field	Value
Publication number	US-2021027264-A1
Application number	US-202016934618-A
Country	US
Kind code	A1
Filing date	Jul 21, 2020
Priority date	Jul 23, 2019
Publication date	Jan 28, 2021
Grant date	—

Abstract

A method for accepting cash deposits or billpays at merchant point of transaction devices may include: (1) receiving, from a customer mobile device, a mobile deposit request comprising a deposit account identifier for a deposit or a mobile billpay request including a payee identifier and a billpay amount; (2) generating a code for the mobile deposit request or the mobile billpay request; (3) communicating the code to the customer mobile device; (4) receiving, from a merchant point of transaction device, a deposit request or a billpay request comprising the code and a received amount; (5) identifying, from the code, the deposit account identifier or the billpay payee identifier and billpay amount; and (6) depositing the received deposit amount to a deposit account associated with the deposit account identifier or executing a billpay to payee associated with the payee identifier for the billpay amount.

First claim

What is claimed is:

1 . A method for accepting cash deposits at merchant point of transaction devices, comprising:
at an information processing apparatus for a financial institution:
receiving, from a customer mobile device, a mobile deposit request comprising a deposit account identifier for a deposit;
generating a deposit code for the mobile deposit request;
communicating the deposit code to the customer mobile device;
receiving, from a merchant point of transaction device, a deposit request comprising the deposit code and a received deposit amount;
identifying, from the deposit code, the deposit account identifier; and
depositing the received deposit amount to a deposit account associated with the deposit account identifier.

2 . The method of claim 1 , wherein the mobile deposit request further comprises a submitted deposit amount.

3 . The method of claim 2 , further comprising:
sending a notification to the customer mobile device in response to the submitted deposit amount being different from the received deposit amount.

4 . The method of claim 1 , wherein the deposit code comprises a one-time code.

5 . The method of claim 1 , wherein the deposit code comprises a machine-readable code.

6 . The method of claim 1 , wherein the deposit request is received over a payment network.

7 . The method of claim 1 , further comprising:
sending a deposit confirmation to the merchant point of transaction device.

8 . The method of claim 1 , further comprising:
sending a deposit confirmation to the customer electronic device.

9 . A method for accepting billpays at merchant point of transaction devices, comprising:
at an information processing apparatus for a financial institution:
receiving, from a customer mobile device, a mobile billpay request comprising a billpay payee identifier and a submitted billpay amount;
generating a billpay code for the mobile billpay request;
communicating the billpay code to the customer mobile device;
receiving, from a merchant point of transaction device, a billpay request comprising the billpay code and a received billpay amount;
identifying, from the billpay code, the billpay payee identifier; and
executing a billpay to the billpay payee for the billpay amount.

10 . The method of claim 9 , further comprising:
sending a notification to the customer mobile device in response to the submitted billpay amount being different from the received billpay amount.

11 . The method of claim 9 , wherein the billpay code comprises a one-time code.

12 . The method of claim 9 , wherein the billpay code comprises a machine-readable code.

13 . The method of claim 9 , wherein the billpay request is received over a payment network.

14 . The method of claim 9 , further comprising:
sending a billpay confirmation to the merchant point of transaction device.

15 . The method of claim 9 , further comprising:
sending a billpay confirmation to the customer electronic device.

16 . A method for accepting cash deposits at merchant point of transaction devices, comprising:
at an information processing apparatus for a financial institution:
receiving, from a customer mobile device, a mobile deposit request comprising a deposit account identifier for a deposit or a mobile billpay request comprising a billpay payee identifier and a billpay amount;
communicating the deposit account identifier or the billpay payee identifier and the billpay amount and a session identifier for the session with the customer mobile device to a deposit or billpay service;
generating a code for the mobile deposit request or the mobile billpay request, wherein the code comprises the session identifier;
communicating the code to the customer mobile device;
receiving, from a merchant point of transaction device, a deposit or billpay request comprising the code and a received amount;
identifying, from the code, the session identifier;
identifying the deposit account or billpay payee and billpay amount matching the session identifier; and
depositing the received amount to the deposit account or executing a billpay to the billpay payee for the billpay amount.

17 . The method of claim 16 , wherein the mobile deposit request further comprises a submitted deposit amount.

18 . The method of claim 16 , wherein the deposit account identifier or the billpay payee identifier and the billpay amount and the session identifier is communicated to the deposit or billpay service over a private network.

19 . The method of claim 16 , wherein the deposit request or the billpay request is received over a payment network.

20 . The method of claim 16 , further comprising:
sending a deposit confirmation or a billpay confirmation to the customer electronic device.

Assignees

• Jpmorgan Chase Bank Na

Inventors

• Hou Lee L
• Spector Howard
• Ouellette Scott H
• Ng Winter P

Classifications

• G06Q20/20 Primary

  Point-of-sale [POS] network systems · CPC title

• G06Q20/102

  Bill distribution or payments · CPC title

• G06Q20/10

  specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems · CPC title

• G06Q20/02

  involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] · CPC title

• G06Q20/385

  using an alias or single-use codes · CPC title