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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
发明人： Darren M. Goetz , Ashish B. Kurani , JoAnn Mar , Dennis E. Montenegro , Joseph Ng , Damodar Raval , Lisa Schur
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.
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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
发明人： Darren M. Goetz , Ashish B. Kurani , JoAnn Mar , Dennis E. Montenegro , Joseph Ng , Damodar Raval , Lisa Schur
CPC分类号： G06Q20/1085 , G06Q20/3224 , G06Q20/4097 , G06Q20/40145
摘要： 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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公开(公告)号：US11797959B1
公开(公告)日：2023-10-24
申请号：US17973802
申请日：2022-10-26
发明人： Darren M. Goetz , Ashish B. Kurani , JoAnn Mar , Dennis E. Montenegro , Joseph Ng , Damodar Raval , Lisa Schur
IPC分类号： G06Q20/10 , G05D1/00 , G06Q10/083 , B64C39/02 , G05D1/02 , G06Q20/40 , G08G5/00 , B64U101/60
CPC分类号： G06Q20/1085 , B64C39/024 , G05D1/0011 , G05D1/0022 , G05D1/0088 , G05D1/0202 , G06Q10/083 , G06Q20/40145 , G08G5/0034 , B64U2101/60 , B64U2201/104
摘要： Systems, methods, and apparatuses described herein relate to a method for delivering cash by an unmanned vehicle to a plurality of customers at different locations. The method includes receiving cash delivery requests from user devices of the plurality of customers via a communications network. The method includes determining a path for the unmanned vehicle from a current location of the unmanned vehicle to Global Position System (GPS) locations of the user devices of the plurality of customers. The method also includes instructing each of the plurality of compartments of a cash container of the unmanned vehicle to open in response to authenticating a corresponding customer of the plurality of customers or a corresponding user device of the user devices that generated a corresponding cash delivery request for which each of the plurality of compartments is storing cash.
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公开(公告)号：US20230297981A1
公开(公告)日：2023-09-21
申请号：US18202014
申请日：2023-05-25
发明人： Darren Goetz , Ashish B. Kurani , JoAnn Mar , Dennis MONTENEGRO , Joseph Ng , Damodar Raval , Lisa Schur
CPC分类号： G06Q20/1085 , G06K7/10297 , G06K7/1417 , G07D11/0087
摘要： Systems, methods, and apparatuses described herein relate to a method for delivering cash to a user. The method includes receiving a cash delivery request from a first user device of the user. The method includes generating a cash authentication code (CAC) for the cash delivery request to be verified by a cash dispenser machine. The method may include transmitting the cash delivery request and the CAC to a second user device of a driver. The method may include determining a route for the driver from a first location of the driver, to a second location of a cash dispenser machine, and to a third location of the customer to deliver the cash delivery request. The method may include instructing the cash dispenser machine to dispense cash in response to authenticating the second user device based on the CAC and determining that the first current location is at the second location.
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公开(公告)号：US11669828B1
公开(公告)日：2023-06-06
申请号：US15604375
申请日：2017-05-24
发明人： Ashish B. Kurani , Joseph Ng
CPC分类号： G06Q20/34 , G06Q20/36 , G06Q20/4012 , G06Q50/01
摘要： A mobile wallet computing system associated with a mobile wallet database includes a mobile wallet circuit structured to present a mobile wallet interface a mobile wallet user. The mobile wallet interface includes a first portion that includes a graphical depiction of a user payment vehicle associated with a financial institution, the first portion including a first interaction point that enables the user to initiate a sequence to engage in a mobile wallet transaction using the mobile wallet. The interface also includes a second portion that includes a second interaction point and a third interaction point, the second interaction point enabling the user to access a functionality enabling the user to indicate a transaction preference for a transaction with an entity other than the mobile wallet provider or financial institution, the third interaction point enabling the user to indicate a preference to initiate communications with the financial institution.
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公开(公告)号：US12045787B2
公开(公告)日：2024-07-23
申请号：US18202014
申请日：2023-05-25
发明人： Darren M. Goetz , Ashish B. Kurani , JoAnn Mar , Dennis E. Montenegro , Joseph Ng , Damodar Raval , Lisa Schur
CPC分类号： G06Q20/1085 , G06K7/10297 , G06K7/1417 , G07D11/0087
摘要： Systems, methods, and apparatuses described herein relate to a method for delivering cash to a user. The method includes receiving a cash delivery request from a first user device of the user. The method includes generating a cash authentication code (CAC) for the cash delivery request to be verified by a cash dispenser machine. The method may include transmitting the cash delivery request and the CAC to a second user device of a driver. The method may include determining a route for the driver from a first location of the driver, to a second location of a cash dispenser machine, and to a third location of the customer to deliver the cash delivery request. The method may include instructing the cash dispenser machine to dispense cash in response to authenticating the second user device based on the CAC and determining that the first current location is at the second location.
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公开(公告)号：US11694173B1
公开(公告)日：2023-07-04
申请号：US17710719
申请日：2022-03-31
发明人： Darren M. Goetz , Ashish B. Kurani , JoAnn Mar , Dennis Montenegro , Joseph Ng , Damodar Raval , Lisa Schur
CPC分类号： G06Q20/1085 , G06K7/10297 , G06K7/1417 , G07D11/0087
摘要： Systems, methods, and apparatuses described herein relate to a method for delivering cash to a user. The method includes receiving a cash delivery request from a first user device of the user. The method includes generating a cash authentication code (CAC) for the cash delivery request to be verified by a cash dispenser machine. The method may include transmitting the cash delivery request and the CAC to a second user device of a driver. The method may include determining a route for the driver from a first location of the driver, to a second location of a cash dispenser machine, and to a third location of the customer to deliver the cash delivery request. The method may include instructing the cash dispenser machine to dispense cash in response to authenticating the second user device based on the CAC and determining that the first current location is at the second location.
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公开(公告)号：US11526861B1
公开(公告)日：2022-12-13
申请号：US16660649
申请日：2019-10-22
发明人： Darren M. Goetz , Ashish B. Kurani , JoAnn Mar , Dennis E. Montenegro , Joseph Ng , Damodar Raval , Lisa Schur
摘要： Systems, methods, and apparatuses described herein relate to a method for delivering cash by an unmanned vehicle to a plurality of customers at different locations. The method includes receiving cash delivery requests from user devices of the plurality of customers via a communications network. The method includes determining a path for the unmanned vehicle from a current location of the unmanned vehicle to Global Position System (GPS) locations of the user devices of the plurality of customers. The method also includes instructing each of the plurality of compartments of a cash container of the unmanned vehicle to open in response to authenticating a corresponding customer of the plurality of customers or a corresponding user device of the user devices that generated a corresponding cash delivery request for which each of the plurality of compartments is storing cash.
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公开(公告)号：US11328275B1
公开(公告)日：2022-05-10
申请号：US16660631
申请日：2019-10-22
发明人： Darren M. Goetz , Ashish B. Kurani , JoAnn Mar , Dennis E. Montenegro , Joseph Ng , Damodar Raval , Lisa Schur
摘要： Systems, methods, and apparatuses described herein relate to a method for delivering cash to a user. The method includes receiving a cash delivery request from a first user device of the user. The method includes generating a cash authentication code (CAC) for the cash delivery request to be verified by a cash dispenser machine. The method may include transmitting the cash delivery request and the CAC to a second user device of a driver. The method may include determining a route for the driver from a first location of the driver, to a second location of a cash dispenser machine, and to a third location of the customer to deliver the cash delivery request. The method may include instructing the cash dispenser machine to dispense cash in response to authenticating the second user device based on the CAC and determining that the first current location is at the second location.
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公开(公告)号：US20230410089A1
公开(公告)日：2023-12-21
申请号：US18240215
申请日：2023-08-30
发明人： Ashish B. Kurani , Joseph Ng
CPC分类号： G06Q20/36 , G06Q20/4012 , G06Q20/34
摘要： A method includes: retrieving, by a financial institution computing system associated with a financial institution, information pertaining to an existing account of a user; projecting a profitability of the financial institution from the user based on a projected number of transactions of the user, wherein the projected number of transactions is determined based on a transaction history of the user; based on the retrieved information and the projected profitability being above a predefined threshold, underwriting the user for a credit card offer; selecting a set of credit card offer terms for the credit card offer based on the underwriting; creating a credit card account for the user, the credit card account having an account number associated therewith; and activating the credit card account in response to a first use of a mobile wallet after a provisioning of a credit card to the mobile wallet.
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