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公开(公告)号：US12215534B1
公开(公告)日：2025-02-04
申请号：US18106337
申请日：2023-02-06
Applicant: Wells Fargo Bank, N.A.
Inventor： Kourtney Eidam , Darren M. Goetz , Dennis E. Montenegro
Abstract: Systems and apparatuses for safety deposit box access using a smart table and a locker are described herein. A safety deposit box access system includes a smart table and a locker. The smart table includes a processing circuit configured to receive a request from a customer user device associated with a customer to access a safety deposit box that is stored in the locker. The processing circuit is further configured to verify that the customer is authorized to access the safety deposit box stored in the locker. The processing circuit is further configured to actuate a lock of the locker to an unlocked position based on the customer being authorized to access the safety deposit box via the locker.
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公开(公告)号：US20250014411A1
公开(公告)日：2025-01-09
申请号：US18893385
申请日：2024-09-23
Applicant: Wells Fargo Bank, N.A.
Inventor： Frank DiGangi , Christian Mande , Dennis E. Montenegro , Darren M. Goetz
Abstract: A housing facilitates a service operation for a transaction device. The housing includes a transfer cassette interface structured to receive a cassette. The housing also includes a transaction device interface that is structured to couple to a cassette port of the transaction device when the housing is disposed within a vault of the transaction device such that the housing is removably coupled to the transaction device via the transaction device interface, and responsive to the transfer cassette interface receiving the cassette, operably couple the cassette to a transaction device transport apparatus via the transfer cassette interface.
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公开(公告)号：US20240249605A1
公开(公告)日：2024-07-25
申请号：US18624993
申请日：2024-04-02
Applicant: Wells Fargo Bank, N.A.
Inventor： Jason Huang , Darren M. Goetz , Dennis E. Montenegro
IPC: G07F19/00 , G06Q20/10 , G07D11/235 , G07D11/26 , G07D11/60
CPC classification number: G07F19/206 , G06Q20/1085 , G07D11/235 , G07D11/26 , G07F19/207 , G07F19/209 , G07F19/211 , G07D11/60
Abstract: Systems, and methods for communicating during a calamity include a processing system of a first ATM that is communicably coupled via an ATM network to a second ATM. The first ATM includes an external network connection separate from the ATM network. The processing system can modify the first ATM from a first mode to a second mode responsive to detecting an event indicative of a calamity. The processing system can receive a user input to send a message to an address. The processing system can transmit the message to the second ATM via the ATM network, to cause the second ATM to route the message to the address. The processing system can receive a response to the message via the ATM network from the second ATM. The processing system can display the response to the message on a user interface of the first ATM.
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公开(公告)号：US20240086887A1
公开(公告)日：2024-03-14
申请号：US18514301
申请日：2023-11-20
Applicant: Wells Fargo Bank, N.A.
Inventor： Darren M. Goetz , Ashish B. Kurani , JoAnn Mar , Dennis E. Montenegro , Joseph Ng , Damodar Raval , Lisa Schur
CPC classification number: G06Q20/3221 , G06Q20/40145 , G06Q40/02 , G06Q50/30
Abstract: A method comprises receiving, by a provider institution computing system via a network, a cash level indicator from each of a plurality of customer payment systems, the customer payment systems receiving cash from customers of a plurality of stores. The method further comprises receiving, by the provider institution computing system via the network, a cash request from a user device of a user. The provider institution computing system selects one of the plurality of customer payment systems based on the cash level indicator and location data of a plurality of delivery agent devices of delivery agents. The method further comprises sending, by the provider institution computing system to a selected delivery agent device, a message comprising location data of the selected customer payment system, the selected delivery agent device being one of the plurality of delivery agent devices.
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公开(公告)号：US20240013219A1
公开(公告)日：2024-01-11
申请号：US18372255
申请日：2023-09-25
Applicant: Wells Fargo Bank, N.A.
Inventor： Darren M. Goetz , Ashish B. Kurani , JoAnn Mar , Dennis E. Montenegro , Joseph Ng , Damodar Raval , Lisa Schur
CPC classification number: G06Q20/1085 , G06Q20/3224 , G06Q20/4097 , G06Q20/40145
Abstract: Systems, methods, and apparatuses described herein relate to a method for providing authentication with respect to a cash delivery request made by a customer using a customer user device of the customer. The method includes receiving at least one of security information or a first cash authentication code (CAC) from a cash dispenser machine. The cash dispenser machine obtains the security information or the first CAC from a first user device of a driver or the driver. The method includes authenticating the driver based on at least one of the security information or the first CAC. The method includes generating a second CAC. The method includes transmitting the second CAC to the first user device of the driver. The method includes authenticating the driver and the customer based on at least one of the security information or the second CAC.
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Patent Agency Ranking
公开(公告)号：US11568377B1
公开(公告)日：2023-01-31
申请号：US15867409
申请日：2018-01-10
Applicant: Wells Fargo Bank, N.A.
Inventor： Darren M. Goetz , Miranda C. Hill , Dennis E. Montenegro , Alicia Y. Moore , Susan Symons , Timothy R. Ward
IPC: G06Q20/10 , G06Q20/38 , G07F19/00 , G06Q20/40 , G06F3/0482
Abstract: A method performed by a processor of a provider computing system includes allowing an account holder at the provider to initiate a transaction with the provider remotely (e.g., via smartphone, online banking, etc.), by submitting a request for a specified transaction to be picked up in a lockbox at a provider's lockbox location. The pickup and completion of the account holder's requested transaction occurs at a lockbox location that has a plurality of lockboxes. The lockbox allows the account holder to access the facility at the account holder's leisure, both in time and location. The lockbox pickup service alleviates the uncertainty, fluctuating time cost, and inconvenient operating hours by allowing the account holder to request transactions with an easy to use interface resulting in a lockbox to be accordingly prepped so that the account holder can provide the proper authentication information and access the lockbox.
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公开(公告)号：US11526921B1
公开(公告)日：2022-12-13
申请号：US16582966
申请日：2019-09-25
Applicant: Wells Fargo Bank, N.A.
Inventor： Darren M. Goetz , Dennis E. Montenegro , Alicia Y. Moore , Timothy R. Ward
Abstract: Systems, methods, and apparatuses for generating a budget and scope associated therewith include a provider computing system including a network interface structured to facilitate data communication via a network and a processing circuit comprising a processor and memory. The processing circuit is structured to receive a scope and a budget. The processing circuit includes a management circuit structured to determine a scope merchant category for items offered for sale by a merchant that match the scope and wherein the management circuit is structured to interpret the budget to determine a maximum amount of funds for the purchase. The processing circuit receives a selected item. The management circuit determines a category in comparison to the scope and a cost item in comparison to the budget to determine if the cost of the item is less than the maximum amount of funds.
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公开(公告)号：US11457730B1
公开(公告)日：2022-10-04
申请号：US17088320
申请日：2020-11-03
Applicant: Wells Fargo Bank, N.A.
Inventor： Kourtney Eidam , Darren M. Goetz , Dennis E. Montenegro
IPC: A47B21/007 , G06F3/04886 , G06F3/02 , H04W4/80 , G06Q20/40 , G06Q40/02
Abstract: Systems, methods, and apparatuses for tactile user input are described herein. A tactile user input system includes a tactile input device and a smart table. The smart table comprises a network interface and a processing circuit. The processing circuit comprises a processor and a memory. The processing circuit is structured to sense a placement of the tactile input device on the smart table. The processing circuit is further structured to determine a necessary user input and determine a location of the tactile input device on the smart table. The processing circuit is further structured to rearrange a user interface of the smart table. The processing circuit is further structured to communicate a necessary input configuration to the tactile input device and used by the tactile input device to generate a tactile user interface having an appropriate layout based on the necessary input configuration.
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公开(公告)号：US11410194B1
公开(公告)日：2022-08-09
申请号：US16657682
申请日：2019-10-18
Applicant: Wells Fargo Bank, N.A.
Inventor： Darren M. Goetz , Dennis E. Montenegro , Alicia Y. Moore , Timothy R. Ward
Abstract: Systems, methods, and apparatuses for providing cash back to a customer from a linked ATM after a purchase transaction are described herein. A customer initiates the transactions using a payment check. A cash back amount is determined and an authentication passcode is created. Cash back information is then transmitted to the linked ATM. The cash back information includes the cash back amount and the authentication passcode. The authentication passcode is then provided to the customer. A cash back transaction is then authenticated using the authentication passcode, and the customer is provided with the cash back amount from the linked ATM.
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公开(公告)号：US11410149B1
公开(公告)日：2022-08-09
申请号：US16589993
申请日：2019-10-01
Applicant: Wells Fargo Bank, N.A.
Inventor： Darren M. Goetz , Dennis E. Montenegro , Alicia Y. Moore , Timothy R. Ward
Abstract: Systems, methods, and apparatuses for maintaining a balance or level of cash stored within a plurality of terminals at a point of sale location are described herein. A provider computing system receives a pre-staging request and transaction information from a customer device. The provider computing system receives terminal information about a plurality of terminals from a point of sale computing system. The provider computing system then determines an appropriate terminal of the plurality of terminals for the customer to complete their intended transaction based on the transaction information and the terminal information, and transmits a notification indicating the appropriate terminal to the customer device.
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