System and method for automated deposit item handling
A computer system for automatically handling and releasing funds for deposit items has a memory storing instructions that, when executed by a processor, cause the system to receive an image of a cheque received and scanned by an automated teller machine (ATM) for deposit into a first account of an i...
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| creator | Pratten, A Warren Anderson, Graham Allan Lozon, Martin Albert Bhadra, Ratnadeep D'Agostino, Dino Paul Martin, Randall Walton Mccrae, James Kenneth |
| description | A computer system for automatically handling and releasing funds for deposit items has a memory storing instructions that, when executed by a processor, cause the system to receive an image of a cheque received and scanned by an automated teller machine (ATM) for deposit into a first account of an institution associated with the ATM. The scanned image of the cheque is analyzed to identify an institution and account on which that cheque is drawn. If that account has sufficient available funds to cover the cheque, then the first account is credited in the amount of the cheque without placing a hold on any of the credited amount and funds of the account on which the cheque is drawn are encumbered in that same amount. After crediting the first account, an indication is provided that the funds are available (e.g., to withdraw). Related methods and computer-readable media are also disclosed. |
| format | Patent |
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The scanned image of the cheque is analyzed to identify an institution and account on which that cheque is drawn. If that account has sufficient available funds to cover the cheque, then the first account is credited in the amount of the cheque without placing a hold on any of the credited amount and funds of the account on which the cheque is drawn are encumbered in that same amount. After crediting the first account, an indication is provided that the funds are available (e.g., to withdraw). Related methods and computer-readable media are also disclosed.</description><language>eng</language><subject>CALCULATING ; CHECKING-DEVICES ; COIN-FREED OR LIKE APPARATUS ; COMPUTING ; COUNTING ; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES ; PHYSICS ; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR</subject><creationdate>2021</creationdate><oa>free_for_read</oa><woscitedreferencessubscribed>false</woscitedreferencessubscribed></display><links><openurl>$$Topenurl_article</openurl><openurlfulltext>$$Topenurlfull_article</openurlfulltext><thumbnail>$$Tsyndetics_thumb_exl</thumbnail><linktohtml>$$Uhttps://worldwide.espacenet.com/publicationDetails/biblio?FT=D&date=20211012&DB=EPODOC&CC=US&NR=11145169B2$$EHTML$$P50$$Gepo$$Hfree_for_read</linktohtml><link.rule.ids>230,308,780,885,25564,76547</link.rule.ids><linktorsrc>$$Uhttps://worldwide.espacenet.com/publicationDetails/biblio?FT=D&date=20211012&DB=EPODOC&CC=US&NR=11145169B2$$EView_record_in_European_Patent_Office$$FView_record_in_$$GEuropean_Patent_Office$$Hfree_for_read</linktorsrc></links><search><creatorcontrib>Pratten, A Warren</creatorcontrib><creatorcontrib>Anderson, Graham Allan</creatorcontrib><creatorcontrib>Lozon, Martin Albert</creatorcontrib><creatorcontrib>Bhadra, Ratnadeep</creatorcontrib><creatorcontrib>D'Agostino, Dino Paul</creatorcontrib><creatorcontrib>Martin, Randall Walton</creatorcontrib><creatorcontrib>Mccrae, James Kenneth</creatorcontrib><title>System and method for automated deposit item handling</title><description>A computer system for automatically handling and releasing funds for deposit items has a memory storing instructions that, when executed by a processor, cause the system to receive an image of a cheque received and scanned by an automated teller machine (ATM) for deposit into a first account of an institution associated with the ATM. The scanned image of the cheque is analyzed to identify an institution and account on which that cheque is drawn. If that account has sufficient available funds to cover the cheque, then the first account is credited in the amount of the cheque without placing a hold on any of the credited amount and funds of the account on which the cheque is drawn are encumbered in that same amount. After crediting the first account, an indication is provided that the funds are available (e.g., to withdraw). Related methods and computer-readable media are also disclosed.</description><subject>CALCULATING</subject><subject>CHECKING-DEVICES</subject><subject>COIN-FREED OR LIKE APPARATUS</subject><subject>COMPUTING</subject><subject>COUNTING</subject><subject>DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES</subject><subject>PHYSICS</subject><subject>SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR</subject><fulltext>true</fulltext><rsrctype>patent</rsrctype><creationdate>2021</creationdate><recordtype>patent</recordtype><sourceid>EVB</sourceid><recordid>eNrjZDANriwuSc1VSMxLUchNLcnIT1FIyy9SSCwtyc9NLElNUUhJLcgvzixRyASpygAqy8nMS-dhYE1LzClO5YXS3AyKbq4hzh66QMXxqcUFicmpeakl8aHBhoaGJqaGZpZORsbEqAEAazctWA</recordid><startdate>20211012</startdate><enddate>20211012</enddate><creator>Pratten, A Warren</creator><creator>Anderson, Graham Allan</creator><creator>Lozon, Martin Albert</creator><creator>Bhadra, Ratnadeep</creator><creator>D'Agostino, Dino Paul</creator><creator>Martin, Randall Walton</creator><creator>Mccrae, James Kenneth</creator><scope>EVB</scope></search><sort><creationdate>20211012</creationdate><title>System and method for automated deposit item handling</title><author>Pratten, A Warren ; Anderson, Graham Allan ; Lozon, Martin Albert ; Bhadra, Ratnadeep ; D'Agostino, Dino Paul ; Martin, Randall Walton ; Mccrae, James Kenneth</author></sort><facets><frbrtype>5</frbrtype><frbrgroupid>cdi_FETCH-epo_espacenet_US11145169B23</frbrgroupid><rsrctype>patents</rsrctype><prefilter>patents</prefilter><language>eng</language><creationdate>2021</creationdate><topic>CALCULATING</topic><topic>CHECKING-DEVICES</topic><topic>COIN-FREED OR LIKE APPARATUS</topic><topic>COMPUTING</topic><topic>COUNTING</topic><topic>DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES</topic><topic>PHYSICS</topic><topic>SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR</topic><toplevel>online_resources</toplevel><creatorcontrib>Pratten, A Warren</creatorcontrib><creatorcontrib>Anderson, Graham Allan</creatorcontrib><creatorcontrib>Lozon, Martin Albert</creatorcontrib><creatorcontrib>Bhadra, Ratnadeep</creatorcontrib><creatorcontrib>D'Agostino, Dino Paul</creatorcontrib><creatorcontrib>Martin, Randall Walton</creatorcontrib><creatorcontrib>Mccrae, James Kenneth</creatorcontrib><collection>esp@cenet</collection></facets><delivery><delcategory>Remote Search Resource</delcategory><fulltext>fulltext_linktorsrc</fulltext></delivery><addata><au>Pratten, A Warren</au><au>Anderson, Graham Allan</au><au>Lozon, Martin Albert</au><au>Bhadra, Ratnadeep</au><au>D'Agostino, Dino Paul</au><au>Martin, Randall Walton</au><au>Mccrae, James Kenneth</au><format>patent</format><genre>patent</genre><ristype>GEN</ristype><title>System and method for automated deposit item handling</title><date>2021-10-12</date><risdate>2021</risdate><abstract>A computer system for automatically handling and releasing funds for deposit items has a memory storing instructions that, when executed by a processor, cause the system to receive an image of a cheque received and scanned by an automated teller machine (ATM) for deposit into a first account of an institution associated with the ATM. The scanned image of the cheque is analyzed to identify an institution and account on which that cheque is drawn. If that account has sufficient available funds to cover the cheque, then the first account is credited in the amount of the cheque without placing a hold on any of the credited amount and funds of the account on which the cheque is drawn are encumbered in that same amount. After crediting the first account, an indication is provided that the funds are available (e.g., to withdraw). Related methods and computer-readable media are also disclosed.</abstract><oa>free_for_read</oa></addata></record> |
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| subjects | CALCULATING CHECKING-DEVICES COIN-FREED OR LIKE APPARATUS COMPUTING COUNTING DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES PHYSICS SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR |
| title | System and method for automated deposit item handling |
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