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    MOBILE DEVICE TRANSACTION SYSTEMS AND METHODS
    1.
    发明公开
    MOBILE DEVICE TRANSACTION SYSTEMS AND METHODS 审中-公开

    公开(公告)号：US20240354745A1

    公开(公告)日：2024-10-24

    申请号：US18762528

    申请日：2024-07-02

    申请人： Wells Fargo Bank, N.A.

    发明人： Ashish Bhoopen Kurani ,  Nikolai Stroke ,  Bipin Sahni ,  Stephen M. Ellis ,  Steve Puffer

    IPC分类号： G06Q20/36 ,  G06Q20/32

    CPC分类号： G06Q20/3674 ,  G06Q20/3221 ,  G06Q20/325 ,  G06Q20/3267 ,  G06Q20/3274 ,  G06Q20/3278 ,  G06Q2220/00 ,  G06Q2220/145

    摘要： A mobile device includes a processing circuit that is configured to perform operations including enabling access to a client application during a first session based on a first device token identifying the first session and the mobile device and a customer token identifying a user and receiving a second device token from the computing system during the first session. The second device token identifies the mobile device and a second session. The operations further include receiving, during the first session, an identifier from the computing system. The identifier is associated with the user and generated by the computing system in response to a request from the mobile device. The operations further include receiving, via the mobile device during the first session and based on a comparison of the received identifier with an existing identifier, an approval for the request.

    APPARATUSES, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR EVENT-BASED PAYMENT ORCHESTRATION
    2.
    发明公开
    APPARATUSES, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR EVENT-BASED PAYMENT ORCHESTRATION 审中-公开

    公开(公告)号：US20240303615A1

    公开(公告)日：2024-09-12

    申请号：US18667713

    申请日：2024-05-17

    申请人： Wells Fargo Bank, N.A.

    发明人： Ramanand Bulusu ,  Saurabh Baranwal ,  Srikanth Pasala

    IPC分类号： G06Q20/10 ,  G06Q20/32

    CPC分类号： G06Q20/10 ,  G06Q20/325

    摘要： Methods, apparatuses, and computer program products for event-based payment orchestration are provided. An example method includes receiving, via an orchestrator device, a request for a payment process configuration from a first participant device. The orchestrator device includes a plurality of payment process configurations stored locally by the orchestrator device, each of the plurality of payment process configurations include configurable instructions for performing an associated portion of a payment process, and the request includes a plurality of first participant requirement parameters. The method includes determining a first payment process configuration based upon the plurality of participant requirement parameters and providing the first payment process configuration to the first participant device. Modifications to the first payment process configuration by the first participant device are stored locally by the first participant device.

    Real-time custom interfaces through multi-channel geo-fencing
    4.
    发明授权
    Real-time custom interfaces through multi-channel geo-fencing 有权

    公开(公告)号：US12069533B2

    公开(公告)日：2024-08-20

    申请号：US18202341

    申请日：2023-05-26

    申请人： Wells Fargo Bank, N.A.

    发明人： Dominik Vltavsky ,  Alicia Y. Moore ,  Susan Symons ,  Miranda C. Hill

    IPC分类号： H04W4/021 ,  G06Q20/32 ,  G06Q20/40 ,  H04W4/20

    CPC分类号： H04W4/021 ,  G06Q20/3221 ,  G06Q20/3224 ,  G06Q20/325 ,  G06Q20/405 ,  H04W4/20

    摘要： Systems and methods of receiving, from a computing system, location-specific information, the location-specific information corresponding to a first location of a plurality of locations of a bank branch, receiving a first user input relating to a search query via a first graphical user interface displaying the location-specific information, receiving, from the computing system, an updated real-time listing of employees that match the search query, displaying the updated real-time listing of employees in the first graphical user interface, receive, via the first graphical user interface, a second user input corresponding to a selection of a specific employee from the updated real-time listing of employees available at the bank branch, receive, from the computing system, additional details concerning the specific employee, and display, using the first graphical user interface, the additional details concerning the specific employee.

    ATM leveraging edge devices for round-trip data routing
    9.
    发明授权
    ATM leveraging edge devices for round-trip data routing 有权

    公开(公告)号：US12051050B2

    公开(公告)日：2024-07-30

    申请号：US17958629

    申请日：2022-10-03

    申请人： Bank of America Corporation

    发明人： Manu Kurian ,  Siten Sanghvi ,  Heather Dolan ,  George Albero ,  Maharaj Mukherjee ,  Kevin A. Delson

    IPC分类号： G06Q20/10 ,  G06Q20/32 ,  G06Q20/42

    CPC分类号： G06Q20/1085 ,  G06Q20/325 ,  G06Q20/327 ,  G06Q20/42

    摘要： A method using one or more mobile devices for transporting information from an automated teller machine (“ATM”) to a central server when the ATM does not support a network connection and, upon return of the one or more mobile devices to the ATM, updating the ATM may be provided. The method may include transporting electronic transaction data processed locally at the ATM, via a mobile device, to a location where a network connection between the mobile device and the central server may be established. When in a location including network connection, the method may include transmitting the electronic transaction data to the central server. When the mobile device is detected to have returned to be within the pre-determined range of the ATM, the method may include transmitting a data packet to the ATM, the data packet received from the central server, thereby updating the ATM of the transmittal.