Bank deposit method

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO RE42820
SERIAL NO

12588217

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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According to the present invention, a business is issued a deposit card readable on a debit card reader enabling the business to transmit deposit information to its bank or financial institution for crediting rather than debiting of its account. More particularly, a method is provided for facilitating bank deposits for a business having a debit card reader configured to send deposit information to a bank at which the business maintains at least one account. The method comprises the steps of: (i) compiling deposit information concerning cash and negotiable instruments to be deposited in the account; (ii) transmitting the deposit information to the bank via the debit card reader; (iii) consolidating the cash and negotiable instruments into a deposit package; (iv) labelling the deposit package to link it to the deposit information in step (ii); and, (v) delivering the deposit package from step (iv) to the bank.

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First Claim

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Patent Owner(s)

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International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Vallance, Richard Pickering, CA 5 30

Cited Art Landscape

Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (5)
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2003/0208,439 Automated soft limit control of electronic transaction accounts 166 2003
2004/0148,254 Method for performing a secure cash-free payment transaction and a cash-free payment system 28 2003
 
HUNTINGTON BANCSHARES INCORPORATED (1)
6594647 Real time bank-centric universal payment system 32 2000
 
COINSTAR ASSET HOLDINGS, LLC (2)
7113929 System for voucher or token verification 58 2000
2009/0018,959 METHODS AND SYSTEMS FOR EXCHANGING AND/OR TRANSFERRING VARIOUS FORMS OF VALUE 47 2008
 
BALANCE INNOVATIONS, LLC (1)
6896177 Method and computer program for building and replenishing cash drawers with coins 12 2001
 
NCR CORPORATION (1)
6626357 Self-service terminal 28 2000
 
LOOMIS ARMORED US, INC. (1)
2008/0120,232 ONLINE CASH REPORTING SYSTEM AND METHOD 5 2007
 
Chubu Hitachi Electric Co., Ltd. (1)
5051900 Automatic bill collecting method in automatic teller machine 41 1989
 
THE WESTERN UNION COMPANY (2)
5326960 Currency transfer system and method 230 1992
2003/0191,722 Coin currency conversion systems and methods 10 2002
 
DECISIONING.COM, INC. (1)
6105007 Automatic financial account processing system 506 1999
 
SHORE DEARY, L.L.P. (2)
5910988 Remote image capture with centralized processing and storage 466 1997
6032137 Remote image capture with centralized processing and storage 381 1998
 
THE HUNTINGTON NATIONAL BANK (1)
5583759 Mechanism for expediting the deposit, transport and submission of checks into the payment system 218 1995
 
DataTreasury Corporation (8)
5265007 Central check clearing system 164 1989
5717868 Electronic payment interchange concentrator 154 1995
5787403 Bank-centric service platform, network and system 335 1995
5774663 Personal banker customer management system providing interactive video communication in real time concerning banking information 99 1995
6182052 Communications network interface for user friendly interactive access to online services 179 1997
5899982 Bank-centric service platform, network and system 207 1998
6341272 Business service platform, network, and system 52 1999
2004/0267,673 Processing of credit card transactions using internet protocol 25 2004
 
NETELLER PLC (1)
2006/0036,537 RISK MANAGEMENT IN AN EXPEDITIOUS FUNDS-HOLDER PAYOR AUTHENTICATION AND FUNDS TRANSFER SYSTEM AND METHODOLOGY 6 2005
 
U.S.A. Vendicab Corp. (1)
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ORACLE INTERNATIONAL CORPORATION (1)
5930788 Disambiguation of themes in a document classification system 97 1997
 
PAYPAL, INC. (1)
6119106 Method and apparatus for facilitating customer payments to creditors from a remote site 257 1997
 
ENT. SERVICES DEVELOPMENT CORPORATION LP (1)
5974146 Real time bank-centric universal payment system 354 1997
 
The Vanguard Group, Inc. (1)
2005/0154,658 System and Method for Automatic Investment Planning 12 1999
 
DEFAULT CREDIT CARD SYSTEM, INC. (1)
6105009 Automated teller machine dispenser of debit cards 139 1998
 
ISLAND INTELLECTUAL PROPERTY LLC (1)
2005/0228,733 Systems and methods for managing client accounts 138 2005
 
DEFAULT PROFF CREDIT CARD SYSTEM, INC. (1)
6405182 System for dispensing prepaid debit cards through point-of-sale terminals 203 2000
 
Skyline Data, Inc. (1)
* 2007/0194,102 Decentralized system and method for the remote capture, processing and transmission of Check 21 compliant checking document information 63 2006
 
BANK OF AMERICA CORPORATION (2)
7635085 Commercial currency handling and servicing management 8 2006
7610215 Mode switching to provide security for cash handling device 9 2008
 
TALARIS HOLDINGS LIMITED (2)
2006/0106,716 Capacity management and timing 5 2003
2005/0096,986 Method of electronically managing payment media 35 2004
 
FIREKING INTERNATIONAL, INC. (1)
7063252 Centralized electronic safe and accounting control system 10 2001
 
CITICORP CREDIT SERVICES, INC. (USA) (1)
5963647 Method and system for transferring funds from an account to an individual 269 1997
 
NAMSYS INC. (2)
2002/0011,393 Currency receiving device and method 14 2000
2004/0210,515 Deposit system and method of taking deposits 73 2003
 
ELLENBY TECHNOLOGIES, INC. (1)
2006/0253,332 Methods and apparatus for an electronic drop safe 15 2006
 
FIRE KING SECURITY GROUP (3)
6067530 Cash management system 37 1995
7216098 Electronic transmission and tracking of deposit information 7 2000
2006/0253,349 Electronic transmission and tracking of deposit information 5 2006
 
NIPPON EXPRESS CO., LTD. (1)
7143933 Safe for deposits, method of control of safe for deposits, deposit system utilizing safe for deposits, and method for same 15 2004
 
NEW AMERICAN CAPITAL, INC. (1)
5950179 Method and system for issuing a secured credit card 179 1996
 
Checkfree Services Corporation (1)
2002/0087,468 Electronic payment risk processing 153 2000
 
Meridian Enterprises, Inc. (1)
5025372 System and method for administration of incentive award program through use of credit 686 1989
 
Corporate Safe Specialists, Inc. (1)
6885281 Method and apparatus for controlling a safe having an electronic lock 14 2001
 
FUJITSU LIMITED (1)
6523742 Cash processing system for automatically performing cash handling with limited operator handling of cash 18 1991
 
COINSTAR, LLC (2)
5620079 Coin counter/sorter and coupon/voucher dispensing machine and method 336 1994
5564546 Coin counter/sorter and coupon/voucher dispensing machine and method 319 1994
 
OFFICIAL PAYMENTS CORPORATION (1)
6202054 Method and system for remote delivery of retail banking services 446 1998
 
COMPUCREDIT (1)
2007/0130,063 Method for paperless generation of electronic negotiable instruments 21 2005
 
Brink's Network, Inc. (4)
5695038 Drop safe 28 1995
5975275 Drop safe 17 1997
5944163 Drop safe 20 1997
2009/0006,249 PROCESS OF AND SYSTEM FOR ADVANCING CREDIT FOR CASH COLLECTIONS 19 2007
 
CANADIAN IMPERIAL BANK OF COMMERCE (1)
7070093 Deposit taking system and method 8 2004
 
ARMOR SAFE TECHNOLOGIES, LLC (2)
7111754 Coin roll dispenser and system incorporating same 8 2000
6659340 Currency receiving device and method 16 2000
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
Brink's Network, Inc. (1)
9495705 Process of and system for facilitating cash collections deposits and deposit tracking 0 2014
* Cited By Examiner

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
7.5 Year Payment $3600.00 $1800.00 $900.00 Apr 11, 2019
11.5 Year Payment $7400.00 $3700.00 $1850.00 Apr 11, 2023
Fee Large entity fee small entity fee micro entity fee
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00