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11. 发明授权

US08571948B1 Extension of credit for monetary items still in transport 有权
标题翻译：继续运送货币项目的信贷额度
公开(公告)号：US08571948B1
公开(公告)日：2013-10-29
申请号：US12262523
申请日：2008-10-31
申请人： Michelle Nichols , Todd Atwood , James Heddleson , Mark Waggoner
发明人： Michelle Nichols , Todd Atwood , James Heddleson , Mark Waggoner
IPC分类号： G06Q10/00 , G06Q40/00
CPC分类号： G06Q20/405 , G06Q10/08 , G06Q20/10 , G06Q20/102 , G06Q40/12 , G07C9/00309 , G08B13/08 , G08B13/1481 , G08B13/2402
摘要： Providing earlier funds availability or a line of credit for a deposit or other monetary package reported to be in a cash supply chain. Later, when the deposit physically arrives at a bank vault, then the actual amount of the deposit is reconciled against the accelerated funds or line of credit previously made available. The amount of accelerated funds or line of credit made available may be based upon the amount scheduled to be deposited, as well as a risk score for the customer making the deposit and/or for the transaction being made.
摘要翻译：提供较早的资金可用性或一个报告为现金供应链的存款或其他货币包裹的信用额度。后来，当存款实际到达银行金库时，存款的实际金额与以前提供的加速资金或信用额度进行了调节。加速资金或信用额度的数额可能是根据预定存入的金额，以及进行存款和/或进行交易的客户的风险分数。

12. 发明授权

US08341077B1 Prediction of future funds positions 有权
标题翻译：预测未来基金头寸
公开(公告)号：US08341077B1
公开(公告)日：2012-12-25
申请号：US12263115
申请日：2008-10-31
申请人： Michelle Nichols , Todd Atwood , James Heddleson
发明人： Michelle Nichols , Todd Atwood , James Heddleson
IPC分类号： G06Q40/00
CPC分类号： G06Q20/405 , G06Q10/08 , G06Q20/10 , G06Q20/102 , G06Q40/12 , G07C9/00309 , G08B13/08 , G08B13/1481 , G08B13/2402
摘要： A method for predicting client funds positions includes predicting an expected future change in funds for a selected party, and creating a funds estimate for the selected party at a specified time. The predicted future change in funds is based on a transaction history of the selected party, and the calculation is based on the expected future change in funds. The change in funds can be a deposit or withdrawal. Such deposits or withdrawals can be in the form of monetary packages, which enables incorporation of monetary package tracking features into the method.
摘要翻译：用于预测客户资金位置的方法包括预测所选方的资金的预期未来变化，以及在指定时间创建所选方的资金估计。预计未来资金变动是根据所选方的交易历史计算的，而且基于预期的未来资金变动计算。资金的变动可以是存款或提款。这种存款或取款可以是货币包的形式，这使得可以将该货币包裹跟踪特征纳入该方法。

13. 发明授权

US07982610B1 Content-based prioritizing of deposits 有权
标题翻译：基于内容的存款优先次序
公开(公告)号：US07982610B1
公开(公告)日：2011-07-19
申请号：US12262472
申请日：2008-10-31
申请人： Michelle Nichols , Todd Atwood , James Heddleson , Mark Waggoner
发明人： Michelle Nichols , Todd Atwood , James Heddleson , Mark Waggoner
IPC分类号： G08B13/14
CPC分类号： G06Q20/405 , G06Q10/08 , G06Q20/10 , G06Q20/102 , G06Q40/12 , G07C9/00309 , G08B13/08 , G08B13/1481 , G08B13/2402
摘要： As deposit bags containing monetary packages arrive at a cash handling facility contents of the deposit bags are inspected and assigned to a teller for processing. An automatic identification system may detect the presence of the deposit bag, the monetary packages, and/or the personnel handling the cash at various custody points at the cash handling facility. Such information may be used to determine the priority at which the monetary package may be processed. Further, a plurality of tellers may be assigned to process the monetary package in the cash handling facility. Each teller's workflow may be tracked based on the presence of monetary packages that are already being processed at the teller's station. Therefore, the monetary packages may be prioritized and may be assigned to a teller that is capable of handling the processing of the monetary package.
摘要翻译：作为包含货币包的存款袋到达现金处理设施，存款袋的内容物被检查并分配给柜员处理。自动识别系统可以在现金处理设施的各个保管点检测存款袋，货币包裹和/或处理现金的人员的存在。这些信息可用于确定可以处理货币包的优先级。此外，可以分配多个计数器来处理现金处理设施中的货币包。每个出纳员的工作流程可以根据已经在出纳员站处理的货币包的存在进行跟踪。因此，货币包可以被优先考虑，并且可以被分配给能够处理货币包的处理的柜员。

14. 发明授权

US08550338B1 Cash supply chain notifications 有权
标题翻译：现金供应链通知
公开(公告)号：US08550338B1
公开(公告)日：2013-10-08
申请号：US12262908
申请日：2008-10-31
申请人： Michelle Nichols , Todd Atwood , James Heddleson
发明人： Michelle Nichols , Todd Atwood , James Heddleson
IPC分类号： G06K7/00
CPC分类号： G06Q20/405 , G06Q10/08 , G06Q20/10 , G06Q20/102 , G06Q40/12 , G07C9/00309 , G08B13/08 , G08B13/1481 , G08B13/2402
摘要： An aspect of the invention provides methods, computer media, and apparatuses to generate notifications to verify processing of a deposit or change order along a cash supply chain. A user is provided automated alerts that are responsive to detected events, where an event may correspond to an occurrence happening or an occurrence not happening within a predetermined duration. Notification settings may be configured based on a user input. Based on the notification settings, status information is monitored from stages along the cash supply chain. When a corresponding event is detected, a notification is automatically sent to the user over a communications channel.
摘要翻译：本发明的一个方面提供方法，计算机媒体和装置来产生通知以验证沿着现金供应链的存款或变更订单的处理。提供用户响应于检测到的事件的自动警报，其中事件可以对应于发生的事件或在预定持续时间内不发生的事件。可以基于用户输入来配置通知设置。根据通知设置，从现金供应链的阶段监控状态信息。当检测到相应的事件时，通过通信信道自动地向用户发送通知。

15. 发明授权

US08164451B2 Cash handling facility management 有权
标题翻译：现金处理设施管理
公开(公告)号：US08164451B2
公开(公告)日：2012-04-24
申请号：US13106086
申请日：2011-05-12
申请人： Michelle Nichols , Todd Atwood , James Heddleson , Felix Mon , Mark Waggoner , Wallace Webster
发明人： Michelle Nichols , Todd Atwood , James Heddleson , Felix Mon , Mark Waggoner , Wallace Webster
IPC分类号： G08B13/14
CPC分类号： G06Q20/405 , G06Q10/08 , G06Q20/10 , G06Q20/102 , G06Q40/12 , G07C9/00309 , G08B13/08 , G08B13/1481 , G08B13/2402
摘要： Cash handling facilities, such as cash vaults, receive and process large quantities of cash. The cash handling facility may have a plurality of custody points at which the amount of cash being processed is verified, counted, stored, or otherwise processed. Cash handling personnel that are handling the cash may be verified, detected, or otherwise documented as handling the cash. Automatic identification techniques may be implemented to track the cash and cash handling personnel at various custody points within the cash handling facility. A centralized tracking system may use the information obtained at each of the custody points to track, count, and verify the cash while it is located within the cash handling facility.
摘要翻译：现金处理设施，如现金库，收到并处理大量现金。现金处理设施可以具有多个保管点，在此处处理正在处理的现金的数量被验证，计数，存储或以其他方式处理。处理现金的现金处理人员可以在处理现金时进行验证，检测或以其他方式记录。可以实施自动识别技术来跟踪现金处理设施内各个保管点的现金和现金处理人员。集中跟踪系统可以使用在每个保管点获得的信息来跟踪，计数和验证现金在现金处理设施内。

16. 发明授权

US08094021B2 Monetary package security during transport through cash supply chain 有权
标题翻译：通过货币供应链运输过程中货币一揽子安全
公开(公告)号：US08094021B2
公开(公告)日：2012-01-10
申请号：US12262522
申请日：2008-10-31
申请人： Michelle Nichols , Todd Atwood , James Heddleson , Felix Mon
发明人： Michelle Nichols , Todd Atwood , James Heddleson , Felix Mon
IPC分类号： G08B13/14
CPC分类号： G08B25/002 , A45C1/10 , A45C13/24 , G06Q10/08 , G06Q20/18 , G07D11/0006 , G07D11/0066 , G08B13/2417 , G08B13/2462
摘要： An armored carrier or other transport entity may scan a remotely-readable identification tag, such as a radio-frequency identification (RFID) tag, of each monetary package being picked up and/or delivered. The scanner used by the armored carrier may notify the armored carrier if one of the monetary packages goes out of range without being checked out, such as within a period of time. Also, if that monetary package is not returned within range within a particular period of time, the scanner may automatically notify a centralized system. The scanner may further be aware of scheduled monetary packages to be picked up. If not all of the monetary packages as expected are picked up, then the scanner may also notify the armored carrier.
摘要翻译：装甲运输公司或其他运输实体可以扫描正在拾取和/或交付的每个货币包的可远程读取的识别标签，例如射频识别（RFID）标签。装甲运营商使用的扫描仪可能会在一段时间内通知装甲运输公司，如果其中一个货运包裹超出了范围，而没有被检出。此外，如果货币包在特定时间段内不在范围内返回，则扫描仪可以自动通知集中式系统。扫描仪还可以进一步了解要安排的货币包装。如果不是所有的预期的货币包都被拿起，那么扫描仪也可以通知装甲运输公司。

17. 发明申请

US20110210826A1 CASH HANDLING FACILITY MANAGEMENT 有权
标题翻译：现金处理设施管理
公开(公告)号：US20110210826A1
公开(公告)日：2011-09-01
申请号：US13106086
申请日：2011-05-12
申请人： Michelle Nichols , Todd Atwood , James Heddleson , Felix Mon , Mark Waggoner , Wallace Webster
发明人： Michelle Nichols , Todd Atwood , James Heddleson , Felix Mon , Mark Waggoner , Wallace Webster
IPC分类号： G06Q40/00 , H04Q5/22 , G06K5/00
CPC分类号： G06Q20/405 , G06Q10/08 , G06Q20/10 , G06Q20/102 , G06Q40/12 , G07C9/00309 , G08B13/08 , G08B13/1481 , G08B13/2402
摘要： Cash handling facilities, such as cash vaults, receive and process large quantities of cash. The cash handling facility may have a plurality of custody points at which the amount of cash being processed is verified, counted, stored, or otherwise processed. Cash handling personnel that are handling the cash may be verified, detected, or otherwise documented as handling the cash. Automatic identification techniques may be implemented to track the cash and cash handling personnel at various custody points within the cash handling facility. A centralized tracking system may use the information obtained at each of the custody points to track, count, and verify the cash while it is located within the cash handling facility.
摘要翻译：现金处理设施，如现金库，收到并处理大量现金。现金处理设施可以具有多个保管点，在此处处理正在处理的现金的数量被验证，计数，存储或以其他方式处理。处理现金的现金处理人员可以在处理现金时进行验证，检测或以其他方式记录。可以实施自动识别技术来跟踪现金处理设施内各个保管点的现金和现金处理人员。集中跟踪系统可以使用在每个保管点获得的信息来跟踪，计数和验证现金在现金处理设施内。

18. 发明申请

US20100131407A1 System and Method of Providing Replenishment and Pick-up Services to One or More Cash Handling Devices 有权
标题翻译：向一个或多个现金处理设备提供补货和提货服务的制度和方法
公开(公告)号：US20100131407A1
公开(公告)日：2010-05-27
申请号：US12277847
申请日：2008-11-25
申请人： Amy Baker Folk , Daniel Christopher Bohen , Veralyn Hensley , James Heddleson , Michelle Nichols , Todd Atwood
发明人： Amy Baker Folk , Daniel Christopher Bohen , Veralyn Hensley , James Heddleson , Michelle Nichols , Todd Atwood
IPC分类号： G06Q40/00
CPC分类号： G06Q10/08355 , G06Q20/10 , G06Q40/00 , H04W4/02
摘要： A transport carrier (i.e., an armored vehicle or any mode of transportation) may be equipped with cash storage and recycling capabilities. The transport carrier may be equipped to replenish funds as needed and/or pick up a surplus of funds. The transport carrier may be in communication with a financial institution and/or a central server. In some arrangements, the central server may dynamically route the transport carrier to cash handling devices as various locations in order to efficiently meet the needs of the devices and associated clients.
摘要翻译：运输承运人（即装甲车或任何运输方式）可配备现金储存和回收能力。运输承运人可能需要补充资金和/或收回资金。运输承运人可以与金融机构和/或中央服务器进行通信。在一些布置中，中央服务器可以将传输载体动态地路由到现金处理设备作为各种位置，以便有效地满足设备和相关客户端的需要。

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