Wells Fargo Bank, N.a.

Darren M Goetz

Dennis Emmanuel Montenegro

Timothy Roger Ward

Alicia Y Moore

Christian Mande

Frank Digangi

Uma Meyyappan

Kourtney Eidam

Miranda C Hill

Chris Theodore Kalaboukis

Andrew L Martinez

JoAnn Mar

Marla M Pacis

Lisa R Magana

Lisa Schur

Joseph Ng

Damodar Raval

Nahal Agahi

Ashish Bhoopen Kurani

Susan Symons

Xuan Nguyen

Jonathan George Velline

Paul Vittimberga

Eduardo DeLa Torre

Pey-Ning Huang

Robert Glenn Hamchuk

Eric David Greene

Charles Cowell

Jennifer Stacey Borchardt

Shari Van Cleave

Orsolya Oldroyd

Adam Clifford Christensen

Nathan Coles

Debarchana Roy

Steve Perez

Dominik Vltavsky

Jason Huang

Margaret S Honeycutt

Laurie J Becker

Shelly A Carnazzo

Janice R Powell

Elizabeth Schrag

Julio Jiron

Matthew Pearce

Erick Von Tengelitsch, Ii

Viva Gupta

Amy J Schmitt

Corey Michael Heaton

Pankaj Parekh

Christopher Sipanya

Keith Clithero

Richard Harrison Luttrell, Jr

Harlen Bayha

John Akira Kobuchi

Fairy Bui

Michael Edwards McGee

Joseph De Frank

Jake Teitelbaum

Dennis Montenegro

Ashleigh Raynes

A method includes authenticating an account holder via an automated teller machine (ATM) based on identification information, identifying an event associated with the account holder, and delivering a gift to the account holder via the ATM based on the account holder accessing the ATM at a time occurring within a time window associated with the event.

ATM customer messaging systems

A system including a network interface and a processing circuit is provided. The processing circuit includes one or more processors coupled to non-transitory memory. The processing circuit is structured to receive a request for a multiple custody linkage between user devices. The multiple custody linkage includes a digital connection between the user devices that allows shared access to a resource. The resource includes at least one of a physical object or information. The processing circuit is further structured to perform a validation process based on information in the request for the multiple custody linkage to determine if a violation of a security protocol exists. The security protocol is associated with security of the resource. The processing circuit is further structured to, in response to determining no violation of the security protocol exists, activate the multiple custody linkage between the user devices to allow the shared access to the resource.

Systems and methods for multiple custody using mobile devices or wearables

A method includes obtaining, by a mobile client application of a user mobile device, context data associated with a user, predicting, by the mobile client application, an intended action of the user to be performed at a provider location based on the context data associated with the user, and switching, by the mobile client application, into a context-based application mode based on the intended action of the user.

Contextual mobile client application systems and methods

Systems, methods, and apparatuses 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.

Systems and methods for monitoring a budget scope in real time

A universal cassette housing for storing banknotes includes a first docking element structured to receive a first universal cassette, a second docking element structured to receive a second universal cassette, a transport apparatus structured to facilitate transferring banknotes between the first universal cassette and the second universal cassette, and a housing computing system comprising a processing circuit including one or more processors and memory, the memory storing instructions that, when executed by the one or more processors, cause the housing computing system to receive information regarding banknotes stored in the first universal cassette, receive information regarding banknotes stored in the second universal cassette, and cause the transport apparatus to initiate a transfer of one or more of the banknotes based on the information regarding the banknotes stored in the first universal cassette and the information regarding the banknotes stored in the second universal cassette.

Universal removeable cassette array with cash rebalancing

A method for providing cash back to a customer from a linked automated teller machine (ATM) after a purchase transaction. The method includes receiving, by a provider computing system associated with a provider, a cash back request including a cash back amount from a point-of-sale computing system associated with the purchase transaction, the provider computing system acting as an intermediary computing system between the point-of-sale computing system and a linked ATM associated with the provider; in response to receiving the cash back request, transmitting, by the provider computing system, cash back information to the linked ATM, the cash back information including the cash back amount and an authentication passcode; in response to entry of the authentication passcode into the linked ATM by the customer, providing, by the linked ATM, the cash back amount to the customer.

Systems and methods for linking ATM to retailer transaction to preserve anonymity

Systems, and methods for communicating during a calamity include a processing system of a first ATM that is communicably coupled via an ATM network to a second ATM. The first ATM includes an external network connection separate from the ATM network. The processing system can modify the first ATM from a first mode to a second mode responsive to detecting an event indicative of a calamity. The processing system can receive a user input to send a message to an address. The processing system can transmit the message to the second ATM via the ATM network, to cause the second ATM to route the message to the address. The processing system can receive a response to the message via the ATM network from the second ATM. The processing system can display the response to the message on a user interface of the first ATM.

Systems and methods for automated teller machine-based communication

A system includes an interactive surface of a smart table, a plurality of smart headsets, and a processing circuit configured to detect a session trigger event and initiate a user session based on detecting the session trigger event. The processing circuit is further configured to generate and provide graphical user interfaces to each of the plurality of smart headsets. The processing circuit is further configured to update a first graphical user interface including a first content for a first smart headset of the plurality of smart headsets and update a second graphical user interface including a second content for a second smart headset of the plurality of smart headsets.

Smart table system utilizing extended reality

A computing system includes a database and at least one processor. The at least one processor is configured to: receive, from an entity computing system, a request related to a layaway transaction of a user; and, in response to receiving the request, automatically facilitate initiation of a layaway deposit account by associating the layaway deposit account with a user profile stored in the database, generating a link between the layaway deposit account and a physical card number, generating a rule that governs the physical card number, and associating the rule with the physical card number. The at least one processor is further configured to receive, from an automated teller machine (ATM), a transaction request that complies with the rule associated with the physical card number.

Electronic layaway

A method comprises receiving, by a computing device from a customer device, a request to provision a financial account for the customer, associating, by the computing device, a mobile device with the requested financial account, and sending, by the computing device to the mobile device, authentication information for the requested financial account. The method further includes receiving the authentication information by the computing device from a financial terminal that received the authentication information from the mobile device, receiving, by the computing device, first location information of the mobile device, and provisioning, by the computing device and based on the first location information of the mobile device being within a predetermined distance of a location of the financial terminal, the requested financial account for the customer.

Computer-based system for provisioning new accounts using location-based authentication

A system includes a housing computing system comprising one or more processors and memory storing instructions that, when executed by the one or more processors, cause the housing computing system to perform operations comprising generating a first storage data packet comprising information about banknotes stored in a first universal cassette docked with a universal cassette housing, generating a second storage data packet comprising information about banknotes stored in a second universal cassette docked with the universal cassette housing, transmitting the first storage data packet and the second storage data packet to a provider computing system, receiving from the provider computing system rebalancing data based on at least one of the first storage data packet or the second storage data packet, and causing a transport apparatus to initiate a transfer based on the rebalancing data to transfer a set of banknotes from the first universal cassette to the second universal cassette.

Universal built-in cassette array with cash rebalancing

Systems, methods and computer-readable storage media including an interactive surface including a transparent touchscreen and an imaging system, and one or more processors configured to initiate a user session based on detecting a session trigger. The one or more processors are further configured to receive, from the imaging system, a plurality of digital images taken when a document is on or proximate the interactive surface and identify an obstruction obstructing part of the document. The one or more processors are further configured to create a master digital image based on two or more images, generate a graphical representation of information contained in the master digital image, and provide the graphical representation to the first user device.

Smart table system for document management

A smart table display system includes a display surface, an input/output device, and a processing circuit configured to receive financial data regarding a financial health of a user, generate a graphical user interface comprising a graphic that depicts the financial health of the user based on the financial data where the graphical user interface is for display on the display surface, receive sensor data regarding the user via the input/output device, continuously update the financial health of the user based on the sensor data, and cause the graphical user interface to update as the financial health of the user is updated.

Smart table assisted financial health

Systems, methods, and computer-readable storage media for automated teller machine (ATM) recycling and merchant operations. One method includes receiving, via a communication session from a user device, a merchant voucher distributed by a merchant, and initiating an ATM session. The method further includes determining a value of the merchant voucher, and presenting, via a display interface of the ATM, a request for the determined value. The method further includes receiving a deposit regarding the determined value of the merchant voucher, and converting the merchant voucher to at least one of a token or a code, the at least one of the token or the code being embedded with an indicator regarding the determined value, information regarding the merchant voucher, and a unique identifier. The method further includes transmitting, to the user device, the at least one of the token or the code, and updating a ledger of the merchant.

Systems and methods for automated teller machine replenishing and merchant operations

Systems and apparatuses for safety deposit box access using a smart table and a locker are described herein. A safety deposit box access system includes a smart table and a locker. The smart table includes a processing circuit configured to receive a request from a customer user device associated with a customer to access a safety deposit box that is stored in the locker. The processing circuit is further configured to verify that the customer is authorized to access the safety deposit box stored in the locker. The processing circuit is further configured to actuate a lock of the locker to an unlocked position based on the customer being authorized to access the safety deposit box via the locker.

Smart table with built-in lockers

Growing community of inventors

San Francisco, CA, United States of America

Darren M Goetz