Patent application number | Description | Published |
20090112760 | Payment Handling - Systems and methods are disclosed for handling a payment at a point of sale or a remote payment acceptance and processing location for a customer account. The systems and methods may include receiving a payment at a point of sale or a remote payment acceptance and processing location and identifying data including at least an amount of the payment that is associated with the payment. The data may be transmitted over a computer network and stored in a data store that is associated with a customer account. A balance of the customer account may be rapidly updated based on the data associated with the payment. The data may be transmitted over a computer network and may be utilized in a computer software application to provide a customer account with rapid recognition of a payment and of a total balance. | 04-30-2009 |
20100010904 | Immediate recognition of financial transactions - Immediate recognition of deposits and other transactions may be provided by a financial institution for transactions conducted at a remote location. The financial institution may receive transaction data from a device at the remote location and immediately acknowledge the transaction and provide a non-provisional credit to an entity's account. The device may include various currency handling devices such as automatic teller machines (ATM), self-payment kiosks, cash registers and the like. A financial institution may further provide a real-time cash position of an entity across multiple currency handling devices of the entity. | 01-14-2010 |
20100066491 | Lock Interaction with Software to Facilitate Access to Cash Handling Device Functionality - Methods and devices provide for lock interaction with software in order to facilitate access to a vault in a cash handling device and display of a transportation utility interface. A user may access an electromechanical lock on a cash handling device. The lock may determine whether the user is authorized. If unlocked, access may be provided to a transportation utility interface and to a vault that may contain currency in order to facilitate removal and transportation of the currency. If desired, stackers in the cash handling device may automatically transfer the currency to a container in the vault after the lock is unlocked. The vault may be subsequently closed, access to the transportation utility interface may be disabled, and the lock may be re-locked. | 03-18-2010 |
20100070392 | COMMERCIAL CURRENCY HANDLING AND SERVICING MANAGEMENT - Aspects of the invention provide for an end-to-end currency handling, and servicing apparatus. The apparatus may be used in any cash-centric business or enterprise for cash register till set up and balancing, back office reconciliation, and other cash payment handling activities. Further aspects of the invention provide real-time access to cash receipts for enterprise use in making financial and planning decisions. | 03-18-2010 |
20100082355 | Forecasting levels of currency usage and need - A target level of funds may be defined to specify an ideal level of currency stored in a currency handling device for efficient operation. The target level may be modified based on forecasted currency usage needs. Forecasts may be conducted based on historical usage data, user input and seasonal/event considerations. When a level of funds exceeds the target level by a specified amount, a transport request may be generated. When a level of funds underruns the target level by a specified amount, a change order request may be generated. In one or more arrangements, recommendations for target levels, transport requests and change order requests may be provided for user confirmation instead of automatically executing the recommendation. | 04-01-2010 |
20100082443 | Automatic Generation of Change Orders - A method for automatically generating change orders may be performed at a point of sale system. The point of sale system may determine an amount of funds in the point of sale system and whether additional funds are necessary. If so, a change order may be automatically requested from a back office system (e.g., a cash recycler) or a financial institution. The back office system may determine whether it is able to fulfill the change order request and if not, forward the request to the financial institution. In one or more arrangements, a notification that a change order request has been received may be transmitted to a manager or other change order personnel. The change order request and funds delivered to the point of sale system in response thereto may be reconciled with the back office system. | 04-01-2010 |
20100082483 | Automatic Generation of Change Orders - In operating a cash handling device at a client site, a method for automatically generating change orders may be performed. The cash handling device may determine an amount of currency available at the device. The device may then determine whether there is a shortage of currency of one or more denominations. If there is a shortage, the cash handling device may automatically generate a change order to request additional currency from a financial institution. The request may trigger debiting of one or more accounts of a user or entity associated the device and the financial institution. The cash handling device may subsequently receive the requested currency. | 04-01-2010 |
20100127070 | Currency Recycler Reconcilement Activity - A currency handling system, for example, a currency recycler or depository machine, may be configured to process currency transactions, including receiving one or more currency deposits. The currency recycler may attempt to accept and validate the currency received in the deposits, organizing and storing some validated currency while designating one or more other units of currency as temporarily unreconcilable. The currency recycler may also generate and transmit reconcilement reports summarizing a set of currency transactions, including data corresponding to the validated currency and temporarily unreconcilable currency. Reconcilement reports may be output to users or transmitted to corporate offices for business purposes, or may be transmitted to financial institutions for crediting bank accounts, and currency that could not be validated may be stored securely to allow a business to receive provisional credit. | 05-27-2010 |
20100131374 | Integrated Currency Scales - To facilitate the monitoring of currency and coin levels in a point of sale system and other cash handling devices, one or more currency or coin scales may be integrated into the point of sale system or cash handling device. Currency and coin amount information may be transmitted to a back office system or to a financial institution for recognition of the funds. A measurement by the scale may be triggered by a transaction occurring, based on a specified schedule or in an on-demand fashion. | 05-27-2010 |
20110231309 | HANDHELD ORDER UNIT AND CASH HANDLING DEVICE - Methods and devices allow a handheld order unit to be used with a cash handling device. A handheld order unit may be used by a staff person to enter order information, to display an amount due for the meal or other transaction, to facilitate payment, to print receipts, and to communicate information about the transaction to a cash handling device. The cash handling device may identify the handheld order unit and the assigned user for the unit and determine what financial documents need to be inserted by the user for reconciliation purposes. | 09-22-2011 |
20120065771 | Automatic Strapping And Bagging Of Funds - A cash recycler or other currency handling device includes modules for automatically strapping a plurality of bills together and bagging the strapped bills for transport. A user may determine a number of bills to be bundled in a stack or unit. Once the predetermined threshold is met, the bills will be automatically transferred to a strapping area where the bills will be strapped together for storage or transport. Additionally or alternatively, the bills may be strapped together as they enter a cartridge, such as an overflow cartridge. The strapped bills may be transferred to a bagging module where the stacks of bills will be automatically bagged, each bag including a predetermined number of stacks of bills. The bags will then be transferred to storage for transport. | 03-15-2012 |
20120246024 | SELF-SERVICE HOME BUYING - According to some embodiments, a system comprises an interface and one or more processors. The interface receives a search request indicating that a buyer requests to search for properties to evaluate. The one or more processors determine one or more buyer preferences that describe preferred characteristics for the properties according to the buyer. The one or more processors also determine whether an available property located proximate to a device associated with the buyer satisfies at least a threshold amount of the buyer preferences. If the available property satisfies at least a threshold amount of buyer preferences, the interface communicates a notification recommending that the buyer evaluate the available property. | 09-27-2012 |