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    USING A THIRD PARTY AS A SOURCE OF CASH
    2.
    发明公开
    USING A THIRD PARTY AS A SOURCE OF CASH 审中-公开

    公开(公告)号：US20240086887A1

    公开(公告)日：2024-03-14

    申请号：US18514301

    申请日：2023-11-20

    申请人： Wells Fargo Bank, N.A.

    发明人： Darren M. Goetz ,  Ashish B. Kurani ,  JoAnn Mar ,  Dennis E. Montenegro ,  Joseph Ng ,  Damodar Raval ,  Lisa Schur

    IPC分类号： G06Q20/32 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q50/30

    CPC分类号： G06Q20/3221 ,  G06Q20/40145 ,  G06Q40/02 ,  G06Q50/30

    摘要： 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.

    Systems and methods for completing transactions via lockable boxes
    4.
    发明授权
    Systems and methods for completing transactions via lockable boxes 有权

    公开(公告)号：US11568377B1

    公开(公告)日：2023-01-31

    申请号：US15867409

    申请日：2018-01-10

    申请人： Wells Fargo Bank, N.A.

    发明人： Darren M. Goetz ,  Miranda C. Hill ,  Dennis E. Montenegro ,  Alicia Y. Moore ,  Susan Symons ,  Timothy R. Ward

    IPC分类号： G06Q20/10 ,  G06Q20/38 ,  G07F19/00 ,  G06Q20/40 ,  G06F3/0482

    摘要： 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.

    Systems and methods for monitoring a budget scope in real time
    5.
    发明授权
    Systems and methods for monitoring a budget scope in real time 有权

    公开(公告)号：US11526921B1

    公开(公告)日：2022-12-13

    申请号：US16582966

    申请日：2019-09-25

    申请人： Wells Fargo Bank, N.A.

    发明人： Darren M. Goetz ,  Dennis E. Montenegro ,  Alicia Y. Moore ,  Timothy R. Ward

    IPC分类号： G06Q30/00 ,  G06Q30/06 ,  G06Q40/00

    摘要： 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.

    Tactile input device for a touch screen
    6.
    发明授权
    Tactile input device for a touch screen 有权

    公开(公告)号：US11457730B1

    公开(公告)日：2022-10-04

    申请号：US17088320

    申请日：2020-11-03

    申请人： Wells Fargo Bank, N.A.

    发明人： Kourtney Eidam ,  Darren M. Goetz ,  Dennis E. Montenegro

    IPC分类号： A47B21/007 ,  G06F3/04886 ,  G06F3/02 ,  H04W4/80 ,  G06Q20/40 ,  G06Q40/02

    摘要： 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.

    Systems and methods for cash leveling at self-checkout machine
    8.
    发明授权
    Systems and methods for cash leveling at self-checkout machine 有权

    公开(公告)号：US11410149B1

    公开(公告)日：2022-08-09

    申请号：US16589993

    申请日：2019-10-01

    申请人： Wells Fargo Bank, N.A.

    发明人： Darren M. Goetz ,  Dennis E. Montenegro ,  Alicia Y. Moore ,  Timothy R. Ward

    IPC分类号： G06Q20/20 ,  G06F17/18

    摘要： 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.

    Systems and methods for completing transactions via lockable boxes
    9.
    发明授权
    Systems and methods for completing transactions via lockable boxes 有权

    公开(公告)号：US11308466B1

    公开(公告)日：2022-04-19

    申请号：US16199048

    申请日：2018-11-23

    申请人： Wells Fargo Bank, N.A.

    发明人： Darren M. Goetz ,  Miranda C. Hill ,  Dennis E. Montenegro ,  Alicia Y. Moore ,  Susan Symons ,  Timothy R. Ward

    IPC分类号： G06Q20/10 ,  G06Q20/38 ,  G07F19/00 ,  G06Q20/40 ,  G06F3/0482

    摘要： 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.