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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：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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公开(公告)号：US11308466B1
公开(公告)日：2022-04-19
申请号：US16199048
申请日：2018-11-23
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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Patent Agency Ranking
公开(公告)号：US12154089B1
公开(公告)日：2024-11-26
申请号：US17880421
申请日：2022-08-03
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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公开(公告)号：US12125351B1
公开(公告)日：2024-10-22
申请号：US17991797
申请日：2022-11-21
Applicant: Wells Fargo Bank, N.A.
Inventor： Darren M. Goetz , Chris Kalaboukis , Lisa R. Magana , Andrew L Martinez , Uma Meyyappan , Dennis E. Montenegro , Marla M. Pacis , Timothy R. Ward
CPC classification number: G07F19/206 , G07C9/00912 , G07F19/202
Abstract: Systems and methods relating to a lockbox bank for currency drop-offs are provided. A lockbox bank includes one or more lockboxes, a safe coupled to the one or more lockboxes, and a terminal of a lockbox computing system. Each lockbox includes a receptacle configured to receive a currency drop-off and a locking mechanism. The terminal includes a network interface, a display device, one or more input/output devices, and a processing circuit including a processor and a memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive a request from the customer to use a lockbox for a currency drop-off, receive access credentials, verify the access credentials, in response to successful verification, grant the customer access to a lockbox, and in response to determining that the drop-off has been completed, move the drop-off from the receptacle to the safe.
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公开(公告)号：US20240331471A1
公开(公告)日：2024-10-03
申请号：US18130279
申请日：2023-04-03
Applicant: Wells Fargo Bank, N.A.
Inventor： Darren M. Goetz , Chris Kalaboukis , Lisa R. Magana , Andrew L. Martinez , Uma Meyyappan , Dennis E. Montenegro , Marla M. Pacis , Timothy R. Ward
CPC classification number: G07C9/00912 , G06Q20/4014
Abstract: Disclosed herein are systems and methods for executing a transaction via a locker. A seller is provided initial access to the locker to deposit a good in the locker. The seller deposits the good in the locker. Following the seller depositing the good in the locker, the seller's access is revoked, and the buyer is provided access to the locker. The buyer may then arrive at the locker and provide authentication information to an authentication device. When the buyer is authenticated, the locker door (with the good inside the locker) is unlocked. The buyer can then inspect and accept the good. When the good is accepted, funds may be transferred from an account associated with the buyer to an account associated with the seller.
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公开(公告)号：US12014406B2
公开(公告)日：2024-06-18
申请号：US18209409
申请日：2023-06-13
Applicant: Wells Fargo Bank, N.A.
Inventor： Darren M. Goetz , Dennis E. Montenegro , Alicia Y. Moore , Timothy R. Ward
IPC: G06Q30/00 , G06Q20/10 , G06Q20/28 , G06Q30/0601 , G06Q40/02
CPC classification number: G06Q30/0613 , G06Q20/10 , G06Q20/28 , G06Q30/0607 , G06Q30/0609 , G06Q30/0619 , G06Q40/02
Abstract: A computing system includes a database, a processor, at least one processor, and at least one program logic stored in at least one memory that, when executed, is configured to cause the at least one processor to: receive, from an entity computing system, a request related to a layaway transaction of a user; facilitate initiation of a layaway deposit account, wherein facilitating initiation of the layaway deposit account comprises: determining that the user has a profile in the database; associating the layaway deposit account with the profile; generating at least one rule that governs the layaway deposit account; and associating the at least one rule with the layaway deposit account; and receive, from an automated teller machine (ATM), a funds deposit amount that complies with the at least one rule associated with the layaway deposit account.
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公开(公告)号：US11720876B1
公开(公告)日：2023-08-08
申请号：US17882162
申请日：2022-08-05
Applicant: Wells Fargo Bank, N.A.
Inventor： Darren M. Goetz , Dennis E. Montenegro , Alicia Y. Moore , Timothy R. Ward
IPC: G06Q30/00 , G06Q30/0601 , G06Q40/02 , G06Q20/10
CPC classification number: G06Q30/0613 , G06Q20/10 , G06Q30/0607 , G06Q30/0609 , G06Q40/02
Abstract: The present disclosure describes devices and methods for facilitating specific transactions between a seller and a purchaser. In particular, a computing device, an accounts database, and a network interface are disclosed. In some embodiments, the specific transaction is a layaway transaction. The computing device receives a request to facilitate the transaction between the seller and purchaser. The computing device sets up a layaway deposit account for the transaction, facilitates funding of the account, and finalizes the transaction in response to a condition being met.
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