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    Systems and methods for rewards redemption ATM banners
    1.
    发明授权
    Systems and methods for rewards redemption ATM banners 有权

    公开(公告)号：US12118579B2

    公开(公告)日：2024-10-15

    申请号：US18235302

    申请日：2023-08-17

    申请人： Wells Fargo Bank, N.A.

    发明人： Rebecca H. McCloskey ,  Alicia Y. Moore ,  Denny E. Puckett ,  Jerome Rhodes

    IPC分类号： G06Q30/02 ,  G06Q20/10 ,  G06Q30/0207 ,  G06Q30/0235 ,  G07F19/00

    CPC分类号： G06Q30/0215 ,  G06Q20/1085 ,  G06Q30/0235 ,  G07F19/211

    摘要： An automated teller machine (“ATM”) includes a network interface, a display device, and an input/output device. The ATM further includes a processing circuit including a processor and a memory, the memory structured to store instructions that are executable by the processor. The instructions cause the processing circuit to receive authentication information from the customer and authenticate the customer using the authentication information, retrieve a real-time rewards balance of a rewards account associated with the customer, generate a banner for the customer based on the real-time rewards balance, and display the banner to the customer. The banner is selectable and activates a rewards functionality of the ATM to cause the ATM to display a screen including at least one of the real-time rewards balance or an option for the customer to redeem the rewards balance held by the customer when the banner is selected.

    Systems and methods for near-field communication token activation
    5.
    发明授权
    Systems and methods for near-field communication token activation 有权

    公开(公告)号：US11244297B1

    公开(公告)日：2022-02-08

    申请号：US16021766

    申请日：2018-06-28

    申请人： Wells Fargo Bank, N.A.

    发明人： Steven E. Puffer ,  Jerome Rhodes ,  Michael R. Thomas

    IPC分类号： G06Q20/10 ,  G06Q20/32 ,  G06Q20/36 ,  G06Q20/40

    摘要： An automated teller machine includes a near-field communication (“NFC”) device, a networking interface configured to communicate data via a network, a display device configured to present information to a customer, and an input/output device configured to exchange data with the customer. The automated teller machine further includes a processing circuit including a processor and a memory, the memory structured to store instructions that are executable by the processor. The instructions cause the processing circuit to establish an NFC session with a mobile device of the customer, the mobile device having a mobile wallet, the mobile wallet including an inactive payment token representing a payment card held by the customer. The instructions further cause the processing circuit to receive at least one authentication credential relating to the payment card from the customer, verify the at least one authentication credential, and activate the inactive payment token.

    System and method of authentication using a re-writable card verification value
    9.
    发明授权
    System and method of authentication using a re-writable card verification value 有权

    公开(公告)号：US10657774B1

    公开(公告)日：2020-05-19

    申请号：US15904832

    申请日：2018-02-26

    申请人： Wells Fargo Bank, N.A.

    发明人： Michael Thomas ,  Jesse Lee ,  Steve Puffer ,  Jerome Rhodes

    IPC分类号： G07F19/00

    摘要： Embodiments of the method for authenticating may include causing an automated teller machine to replace a card verification value with an updated card verification value during a first transaction at the automated teller machine when a re-write condition is present, such as a request from an account holder, a determination that the security of the card was compromised during a prior transaction, a predetermined time interval has lapsed, a predetermined number of transactions have occurred since a previous time the card verification value was rewritten, and according to a predetermined geographical parameter. The updated card verification value may be stored as a current value in a verification value database. The method may include receiving a card verification request related to a second transaction, and authenticating, using verification logic, the second transaction by determining whether the card verification value for the second transaction matches the current value stored in the database.

    Smart chaining
    10.
    发明授权
    Smart chaining 有权

    公开(公告)号：US10282716B1

    公开(公告)日：2019-05-07

    申请号：US15395096

    申请日：2016-12-30

    申请人： Wells Fargo Bank, N.A.

    发明人： Michael R. Thomas ,  Elizabeth Schrag ,  Jimmy C. Wang ,  Jerome Rhodes

    IPC分类号： G06F17/00 ,  G06Q20/10 ,  G07F19/00 ,  G06K19/10 ,  G06Q20/34

    摘要： Identification information is received from a transaction card at a transaction machine. The transaction card is associated with an account holder using the transaction machine and includes a transaction card type. Using the identification information, activity profile information is accessed for the account holder. The account holder's transaction machine usage is monitored and activity profile information related to the account holder's transaction machine usage is stored. A custom sequence of user interfaces to be displayed to the account holder is generated based on the transaction card type.