US 11,687,896 B2
Systems and methods for point of sale deposits
Dennis S. Brennan, Pleasanton, CA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on May 4, 2022, as Appl. No. 17/736,801.
Application 17/736,801 is a continuation of application No. 16/953,060, filed on Nov. 19, 2020, granted, now 11,361,293.
Application 16/953,060 is a continuation of application No. 16/002,085, filed on Jun. 7, 2018, granted, now 10,867,289, issued on Dec. 15, 2020.
Application 16/002,085 is a continuation of application No. 15/995,634, filed on Jun. 1, 2018, granted, now 10,169,745, issued on Jan. 1, 2019.
Application 15/995,634 is a continuation of application No. 15/797,644, filed on Oct. 30, 2017, granted, now 10,013,683, issued on Jul. 3, 2018.
Application 15/797,644 is a continuation of application No. 14/472,641, filed on Aug. 29, 2014, granted, now 9,836,728, issued on Dec. 5, 2017.
Claims priority of provisional application 61/872,150, filed on Aug. 30, 2013.
Prior Publication US 2022/0261775 A1, Aug. 18, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/10 (2012.01); G06Q 20/20 (2012.01); G06Q 20/36 (2012.01); G06Q 20/40 (2012.01); G06Q 40/02 (2023.01)
CPC G06Q 20/108 (2013.01) [G06Q 20/1085 (2013.01); G06Q 20/20 (2013.01); G06Q 20/36 (2013.01); G06Q 20/40 (2013.01); G06Q 40/02 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system for executing point of sale deposits at point of sale terminals of merchants, comprising:
one or more memory devices storing software instructions; and
one or more processors configured to execute the software instructions to:
receive, at a server from a mobile device associated with a customer, deposit information related to a point of sale deposit to a financial service account held by the customer;
generate, at the server, a deposit token based on specifications associated with the mobile device;
transmit the deposit token from the server to the mobile device;
receive, at the server from a point of sale terminal, a point of sale deposit authorization notification indicating receipt by the point of sale terminal of the deposit token and a confirmation that the customer physically delivered funds to a merchant in an amount to be deposited; and
cause, at the server, transmission of a transfer notification to electronically transfer the funds to the financial service account held by the customer based on the deposit information and the point of sale deposit authorization notification.