US 12,236,410 B2
Systems and computer-implemented processes for depositing, withdrawing, and reusing currency for purchase transactions using an intelligent teller machine
Adam R. Koeppel, Washington, DC (US); and Alex Leo Niderberg, Vienna, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Sep. 29, 2023, as Appl. No. 18/478,650.
Application 16/024,642 is a division of application No. 14/829,014, filed on Aug. 18, 2015, granted, now 10,339,507, issued on Jul. 2, 2019.
Application 18/478,650 is a continuation of application No. 17/112,082, filed on Dec. 4, 2020, granted, now 11,823,147.
Application 17/112,082 is a continuation of application No. 16/024,642, filed on Jun. 29, 2018, granted, now 10,915,877, issued on Feb. 9, 2021.
Claims priority of provisional application 62/038,479, filed on Aug. 18, 2014.
Prior Publication US 2024/0037525 A1, Feb. 1, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/10 (2012.01); G06Q 20/40 (2012.01); G06Q 30/06 (2023.01); G06Q 40/02 (2023.01); G07F 19/00 (2006.01)
CPC G06Q 20/1085 (2013.01) [G06Q 20/405 (2013.01); G06Q 30/06 (2013.01); G06Q 40/02 (2013.01); G07F 19/203 (2013.01)] 20 Claims
OG exemplary drawing
 
1. An intelligent teller machine associated with a financial service provider for purchasing items, comprising:
a currency acceptor;
one or more memories; and
one or more processors configured to:
determine, based on identification information for a good or a service, a selection price for a user selection of the good or the service offered by entity;
receive currency via the currency acceptor;
determine, using the currency acceptor, an amount associated with submitted currency;
determine that the intelligent teller machine associated with the financial service provider has received sufficient currency to pay for the user selection;
transmit, over a network, a request to deposit a value equivalent to the selection price in financial account of the entity, the request comprising stored bank account information associated with the entity;
determine that the amount is greater than required to pay for the user selection; and transmit a change amount, based on the amount of the currency and the selection price, into a customer account.