公开(公告)号：EP2318991A1

公开(公告)日：2011-05-11

申请号：EP09798371.2

申请日：2009-05-07

申请人： Brink's Network, Inc.

发明人： PURCHES, Frederick ,  BLACHOWICZ, Paul ,  POTEET, James ,  MORGAN, William C.

IPC分类号： G06Q30/00

CPC分类号： G06Q20/042 ,  G06Q20/04 ,  G07F17/105

摘要： Process of and system for providing credit to a retailer (10) by collecting checks from customers during financial transactions between the customers and the retailer, depositing by the retailer the collected checks into a safe (14) located at the retailer facility (10a, 10b, 10c), calculating the total monetary value of the checks that are deposited into the safe, and electronically transmitting a data file that identifies the calculated total monetary value of the deposited checks. Using the information in the transmitted data file, the retailer is credited by a bank (6OA, 6OB, 60C), or other financial institute with the total monetary value of the deposited checks. Crediting may be provided on a business day basis, and other features include imaging of the deposited checks, facilitating check processing using the image files of the checks, displaying the imaged checks on a display at the retailer during the financial transaction, depositing the checks into the same safe into which cash collected by the retailer is deposited, providing the checks within the safe in sealed cassettes, and printing an image of a collected check on a receipt that is provided to the customer. Other features also are described. The process and system advantageously make funds readily available and improves cash flow to retailers who take-in checks as part of their normal business operations.

摘要翻译： 用于通过在顾客与零售商之间的金融交易期间收集来自顾客的支票，由零售商将收集的支票存入位于零售商设施（10a，10b）处的保险箱（14）中的零售商（10） ，10c），计算存入保险箱的支票的总货币价值，并以电子方式发送一个数据文件，该数据文件标识计算的存入支票的总货币价值。 使用所传送的数据文件中的信息，零售商由存款支票的总货币价值由银行（60A，60B，60C）或其他金融机构贷记。 可以在工作日提供贷项，其他功能包括存入支票的成像，便利使用支票的图像文件的支票处理，在金融交易期间在零售商的显示器上显示成像的支票，将支票存入 将零售商收集的现金存入其中的同一保险箱，在密封盒中在保险箱内提供支票，并在提供给顾客的收据上打印收集的支票的图像。 其他功能也被描述。 该流程和系统有利地使资金容易获得，并且改善了作为正常业务操作的一部分的作为接受检查的零售商的现金流。

公开(公告)号：EP2174306A1

公开(公告)日：2010-04-14

申请号：EP08796563.8

申请日：2008-07-24

申请人： Brink's Network, Inc.

发明人： MORGAN, William C. ,  MASON, Glenn ,  KING, Gregory B. ,  BAKER, Aaron ,  BOLAND, Kevin R. ,  PURCHES, Frederick

IPC分类号： G07G1/12

CPC分类号： G06Q40/02 ,  G06Q10/06314 ,  G06Q10/0832 ,  G06Q20/10 ,  G07G1/12

摘要： A process for providing bank credit to retailers for cash collections that are carried out during retailers' normal business operations. The process entails a retailer (10) collecting cash over a period of time, such as over a single or multiple business days, generally in exchange for goods and/or services, depositing the collected cash into one or more electronic safes (10a, 10b, 10c) disposed at the retailer's location or locations, calculating at a designated time, such as the end of day at each location, a total amount of cash that has been deposited into the retailer's safes (10a, 10b, 10c) over such period of time, and electronically transmitting data files that identify the calculated total amounts of cash accepted by the retailer (10) over the period of time. The retailer (10) is credited, for example, by a bank (40), with the total cash deposits as reported by the electronic safes (10a, 10b, 10c) at the end of each business day. The process advantageously makes funds readily available and improves cash flow to retailers who take-in cash as part of their normal business operations.

公开(公告)号：EP1903515A3

公开(公告)日：2013-02-20

申请号：EP07120200.6

申请日：1996-07-22

申请人： Brink's Network, Inc.

发明人： Keith, Jasper ,  Gunn, William, L. ,  Heath, William, D. Jr. ,  Angove, John. F.G.

IPC分类号： G07F7/04 ,  G07D11/00 ,  G07F9/06

CPC分类号： G07D11/0093 ,  E05G7/001 ,  G07D11/0063 ,  G07F9/06

摘要： A. method of depositing funds into a drop safe at various times throughout at least one predefined business day and then collecting those funds from the safe at the ends of collection periods that include deposits made during parts of at least one such business day not coincident with the collection period, comprising the steps of:
depositing funds into the safe at various times throughout at least one business day that does not coincide with a collection period;
for each deposit into the safe, storing data in a computer memory associated with the safe to identify the amount of that deposit and the business day of the deposit;
removing from the safe the funds deposited into the safe in a collection period since the safe was last empty; and at the end of said collection period, identifying from the stored data the total amounts deposited into the safe for each complete business day, if any, during said collection period and the total amounts deposited into the safe during each partial business day during said collection period to produce a closing content report for said totals, so that the aggregate of the partial and complete business day totals equals the total amount deposited into the drop safe during said collection period.

摘要翻译： A.在至少一个预定的工作日内将资金存入不同时间的方法，然后在至少一个这样的工作日的部分期间从包括在至少一个这样的工作日的部分期间的存款收集来自保险箱的资金的收集期间的资金不符合 收集期间，包括以下步骤：在与收款期不一致的至少一个工作日内在不同时间将资金存入保险箱; 将每个存款放入保险箱，将数据存储在与保险箱相关的计算机存储器中，以识别该存款的金额和存款的营业日; 从保险箱上架以来，在收款期间从保险箱中移走存入保险箱的资金; 并且在所述收集期结束时，在所述收集期间，在所述收集期间的每个部分营业日期间，从所存储的数据中识别存储在每个完整工作日（如果有的话）中的总金额以及在每个部分工作日期间存入保险箱的总金额 以产生总计的关闭内容报告，以便部分和完整的营业日总数的总和等于在收集期间存入投保单的总金额。

公开(公告)号：EP1903515A2

公开(公告)日：2008-03-26

申请号：EP07120200.6

申请日：1996-07-22

申请人： Brink's Network, Inc.

发明人： Keith, Jasper ,  Gunn, William, L. ,  Heath, William, D. Jr. ,  Angove, John. F.G.

IPC分类号： G07D11/00 ,  G07F7/04

CPC分类号： G07D11/0093 ,  E05G7/001 ,  G07D11/0063 ,  G07F9/06

摘要： A. method of depositing funds into a drop safe at various times throughout at least one predefined business day and then collecting those funds from the safe at the ends of collection periods that include deposits made during parts of at least one such business day not coincident with the collection period, comprising the steps of:
depositing funds into the safe at various times throughout at least one business day that does not coincide with a collection period;
for each deposit into the safe, storing data in a computer memory associated with the safe to identify the amount of that deposit and the business day of the deposit;
removing from the safe the funds deposited into the safe in a collection period since the safe was last empty; and at the end of said collection period, identifying from the stored data the total amounts deposited into the safe for each complete business day, if any, during said collection period and the total amounts deposited into the safe during each partial business day during said collection period to produce a closing content report for said totals, so that the aggregate of the partial and complete business day totals equals the total amount deposited into the drop safe during said collection period.

公开(公告)号：EP2174307A1

公开(公告)日：2010-04-14

申请号：EP08796568.7

申请日：2008-07-24

申请人： Brink's Network, Inc.

发明人： BLACHOWICZ, Paul ,  BAKER, Aaron ,  PURCHES, Frederick

IPC分类号： G07G1/12

CPC分类号： G06Q40/02 ,  G06Q10/06314 ,  G06Q10/0832 ,  G06Q20/10 ,  G07G1/12

摘要： A process and system for facilitating cash collection deposits and deposit tracking includes identifying by a retailer (10) an amount of cash collected by that retailer (10), including respective amounts of currency by denomination of the collected cash, creating a deposit ticket containing at least a unique identification code associated therewith, depositing the created deposit ticket and the collected cash into a deposit bag, transporting the deposit bag to a cash processing facility (30), and counting at the cash processing facility (30) the collected cash contained in the transported deposit bag to verify that the amount previously identified by the retailer (10) corresponds to the counted amount. Particularly additional novel features include at least the following: the manner in which the retailer (10) identifies the amount of collected cash; the manner in which the deposit bag may be scheduled for pickup; providing advance credit to the retailer (10) for the cash deposits during various stages of cash handling/processing; and the particular manner of tracking the status of each of the deposit bags of a retailer' s multiple stores.