IPC분류정보
국가/구분 |
United States(US) Patent
등록
|
국제특허분류(IPC7판) |
|
출원번호 |
US-0262928
(2008-10-31)
|
등록번호 |
US-8577802
(2013-11-05)
|
발명자
/ 주소 |
- Nichols, Michelle
- Atwood, Todd
- Heddleson, James
- Folk, Amy
- Bohen, Dan
- Mon, Felix
- Hensley, Veralyn
|
출원인 / 주소 |
- Bank of America Corporation
|
대리인 / 주소 |
|
인용정보 |
피인용 횟수 :
13 인용 특허 :
58 |
초록
▼
An aspect of the invention provides methods and computer media to support on-demand transportation shipments, supply order requests, change orders, and reports. A bank and business partners may coordinate so that a client can schedule pickups of deposits, delivery of change orders, transportation sh
An aspect of the invention provides methods and computer media to support on-demand transportation shipments, supply order requests, change orders, and reports. A bank and business partners may coordinate so that a client can schedule pickups of deposits, delivery of change orders, transportation shipments, and reports. When at least one deposit is created at a banking center for one or more banking customers and an aggregate deposit amount exceeds a predetermined amount, an on-demand pickup of the deposits at the banking center is automatically requested. Also, an on-demand pickup of deposits may be automatically requested at a bank customer's location when the aggregate deposit amount exceeds a predetermined threshold. Moreover, an on-demand change, supply order, or report order may be automatically submitted when available cash is below a predetermined threshold. The available cash may be based on a total amount of cash or on a currency denomination amount.
대표청구항
▼
1. A computer-assisted method comprising: receiving a deposit request for a deposit of physical monetary items from a client, at a computing device;retrieving a predetermined monetary threshold from a memory device associated with the computing device;comparing, by the computing device, the retrieve
1. A computer-assisted method comprising: receiving a deposit request for a deposit of physical monetary items from a client, at a computing device;retrieving a predetermined monetary threshold from a memory device associated with the computing device;comparing, by the computing device, the retrieved predetermined threshold with a deposit amount associated with the deposit request to determine whether the deposit amount exceeds the predetermined threshold;determining, by the computing device, whether a recurring regularly scheduled physical pickup is scheduled within a predetermined time duration; andbased on an outcome of the comparing and an outcome of the determining, requesting an on-demand physical pickup of the deposit from the client through a communications channel when the deposit amount is determined to exceed the predetermined threshold and when the recurring regularly scheduled pickup is determined not to be scheduled within the predetermined time duration, such that the on-demand pickup is not requested when the recurring regularly scheduled pickup is determined to be scheduled within the predetermined time duration. 2. The method of claim 1, further comprising: determining a carrier; andscheduling the on-demand pickup with the carrier. 3. The method of claim 1, wherein the deposit amount is based on a total deposit amount for a plurality of deposits including the deposit. 4. The method of claim 1, wherein the deposit amount is based on a currency denomination amount. 5. The method of claim 1, wherein the predetermined threshold is based on a total amount of currency. 6. The method of claim 1, wherein the on-demand pickup occurs at a banking location. 7. The method of claim 1, wherein the on-demand pickup occurs at a bank customer's location. 8. A computer-readable storage medium storing computer-executable instructions that, when executed, cause a processor to perform a method comprising: receiving a deposit request for a deposit of physical monetary items from a client;retrieving a predetermined monetary threshold from a memory device;comparing the retrieved predetermined threshold with a deposit amount associated with the deposit request to determine whether the deposit amount exceeds the predetermined threshold;determining whether a recurring regularly scheduled physical pickup is scheduled within a predetermined time duration; andbased on an outcome of the comparing and an outcome of the determining, requesting an on-demand physical pickup of the deposit from the client through a communications channel when the deposit amount is determined to exceed the predetermined threshold and when the recurring regularly scheduled pickup is determined not to be scheduled within the predetermined time duration, such that the on-demand pickup is not requested when the recurring regularly scheduled pickup is determined to be scheduled within the predetermined time duration. 9. The computer-readable medium of claim 8, said method further comprising: determining a carrier; andscheduling the on-demand pickup with the carrier. 10. The computer-readable medium of claim 8, wherein the deposit amount is based on a total deposit amount for a plurality of deposits including the deposit. 11. The computer-readable medium of claim 8, wherein the deposit amount is based on a currency denomination amount. 12. The computer-readable medium of claim 8, wherein the predetermined threshold is based on a total amount of currency. 13. A computer-assisted method comprising: receiving a request from a client for a change order for a sum of physical monetary items in a set of one or more monetary value denominations as specified by the client, at a computing device;retrieving a predetermined monetary threshold from a memory device associated with the computing device;comparing, by the computing device, the retrieved predetermined threshold with available cash of the client, to determine whether the available cash is below the predetermined threshold; andbased on an outcome of the comparing, scheduling a physical shipment of the monetary items to the client in the set of one or more monetary value denominations to fill the change order through a communications channel when the available cash is determined to be below the predetermined threshold. 14. The method of claim 13, wherein the available cash is based on a total amount of cash. 15. The method of claim 13, wherein the available cash is based on a currency denomination amount. 16. A non-transitory computer-readable storage medium storing computer-executable instructions that, when executed, cause a processor to perform a method comprising: receiving a request from a client for a change order for a sum of physical monetary items in a set of one or more monetary value denominations as specified by the client;retrieving a predetermined threshold from a memory device;comparing the retrieved predetermined threshold with available cash of the client, to determine whether the available cash is below the predetermined threshold; andbased on an outcome of the comparing, scheduling a physical shipment of the monetary items in the set of one or more monetary value denominations to the client to fill the change order through a communications channel when the available cash is determined to be below the predetermined threshold. 17. The non-transitory computer-readable medium of claim 16, wherein the available cash is based on a total amount of cash. 18. The non-transitory computer-readable medium of claim 16, wherein the available cash is based on a currency denomination amount. 19. The method of claim 1, further comprising: adjusting the predetermined threshold. 20. The method of claim 1, wherein the requesting is further based on at least one selectable parameter. 21. The method of claim 20, wherein the at least one selectable parameter comprises a total transportation cost to date. 22. The method of claim 20, wherein the at least one selectable parameter comprises an amount of cash in transit or being processed at a cash vault. 23. The method of claim 20, wherein the at least one selectable parameter comprises a one-time charge for transportation. 24. The method of claim 20, wherein the at least one selectable parameter comprises a duration period. 25. The method of claim 13, further comprising: establishing the predetermined threshold based on a specified frequency for a specified duration. 26. The method of claim 13, further comprising: establishing the predetermined threshold for an event. 27. The method of claim 13, further comprising: requesting an emergency change order that overrides any preset trigger. 28. A computer-assisted method comprising: receiving a deposit request for a deposit of physical monetary items from a client, at a computing device;retrieving a predetermined threshold from a memory device associated with the computing device;adjusting the predetermined monetary threshold, using the computing device, for an expected deposit amount from a plurality of customers over a desired period of time;comparing, by the computing device, the predetermined threshold with a deposit amount associated with the deposit request, to determine whether the deposit amount exceeds the predetermined threshold;determining, by the computing device, whether a regularly scheduled physical pickup is scheduled within a predetermined time duration in the future; andbased on an outcome of the comparing and the determining, requesting an on-demand physical pickup of the deposit from the client through a communications channel when the deposit amount is determined to exceed the predetermined threshold and the regularly scheduled physical pickup is determined not to be scheduled within the predetermined time duration, such that the on-demand pickup is not requested when the regularly scheduled pickup is determined to be scheduled within the predetermined time duration.
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