Wells Fargo Bank, N.a.

Dennis Emmanuel Montenegro

Darren M Goetz

Timothy Roger Ward

Christian Mande

Frank Digangi

Alicia Y Moore

Kourtney Eidam

Uma Meyyappan

Chris Theodore Kalaboukis

Ashish Bhoopen Kurani

Jason Huang

Andrew L Martinez

Marla M Pacis

Lisa R Magana

JoAnn Mar

Lisa Schur

Joseph Ng

Damodar Raval

Prasanth Nandanuru

Miranda C Hill

Susan Symons

Margaret S Honeycutt

Andrew J Garner, Iv

Debarchana Roy

Sadie Salim

Matthew Pearce

Shari Van Cleave

Pavan Kumar Arln

Yejjala Yevanna

Ramanathan Ramanathan

Abhijit Shetti

Rajeswaran Govindan

Miriam Felecia Clark

Jason V Biala

Christopher Sipanya

Yevanna M Yejjala

Chinababu Kona

Shiju Thukalankuzhy John

Muhammad Farukh Munir

Tyua Larsen Fraser

Rajiv Ranjan

Nathan Coles

Eduardo DeLa Torre

Marjorie S Anzalone

Andriy Fedorchuk

Adam Benjamin Smith-Kipnis

Steve Perez

Dinakar Channakal Krishnappa

Kory Bunya

Graham Linn

Ryan Lee Hammond

Wyman Yu

Sai Krishna Verma Sundaragiri

Priyanka Amara

Sergey Yamandiy

Dominik Vltavsky

Julio Jiron

Robert Glenn Hamchuk

Pankaj Parekh

Erick Von Tengelitsch, Ii

Janice R Powell

John Akira Kobuchi

Viva Gupta

Shelly A Carnazzo

Laurie J Becker

Joon Maeng

Abhijit Rao

Rameshchandra Bhaskar Ketharaju

Carrie Anne Hanson

Darius A Miranda

Manpreet Singh

Benjamin S Taylor

Volkmar Scharf-Katz

Samuel B Martin

Akhlaq M Khan

Chandramouli Subramanian

Keith Clithero

Ananya Bandyopadhyay

Jake Teitelbaum

Joseph De Frank

Michael Edwards McGee

Christopher Rotchford

Fairy Bui

Jasim Ahamed Pattani Sirajudeen

Clynton Taylor

Harrison Thomas

Anthony Stimola

Raj Marwah

Ashleigh Raynes

Prakash Jagannathan

Ray Joanna Luz Reyes Ramilo

Systems and methods for authenticating user identity using custom visual code is disclosed. One disclosed method includes determining user identification information based on received biometric data; generating a temporary one-time password; encrypting the user identification information and the temporary one-time password; and generating a visual code based in part on the encrypted temporary one-time password and user identification information. The method may further include generating a prompt requesting a passcode or biometric data when a user device is within a predetermined threshold range of an authenticating device.

Systems and methods of identity authentication using a custom visual code

An process analysis computing system receives input data that identifies a subject-matter expert (SME) process, such as an SME process that requires detailed information regarding a very large quantity of information about the SME process. In the process analysis computing system, a scenario selection engine extracts process factors and user factors from the input data. Based on the process factors and user factors, the scenario selection engine determines initial schedule data describing event stages and milestone stages included in the SME process, and also generates user-specific process schedule data based on a modification of the initial schedule data. A user-specific execution engine in the process analysis computing system receives the user-specific process schedule data. Based on a milestone stage dependency in the user-specific process schedule data, the process analysis computing system controls access to a requested resource associated with the SME process.

Process modeling techniques for providing user-specific process schedule data

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

This disclosure describes techniques that include facilitating note-taking in various contexts, including when a customer is speaking to an agent of a business. In one example, this disclosure describes a method that includes analyzing, by a computing system, communications between a customer of an organization and an agent of the organization, where the communications include an issue to be addressed by the organization; generating, by the computing system, artifacts of the communication between the customer and the agent; determining, based on the artifacts of the communication, an action to be taken to address the issue; and generating, by the computing system, a user interface providing options associated with addressing the issue.

Analysis of and notation of communications

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, methods, and computer-readable storage media to exchange using dynamic non-fungible token (DNFT) exchange instruments. One method includes receiving an issuance request, generating a DNFT exchange instrument, dynamically updating the DNFT exchange instrument, and executing an exchange.

Dynamic token instrument using a protection architecture

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

Systems, methods, and computer-readable storage media to protect non-fungible tokens (NFTs) using a protection architecture. One method includes protecting the NFT including tracking, utilizing the overlay ledger, an association of NFT ownership of a plurality of NFTs and storing and protecting, utilizing a blockchain storage, the plurality of NFTs. The method further includes receiving an exchange request and exchanging the NFT on us including determining the customers have an NFT account with the overlay ledger and executing an on-us exchange based on updating the overlay ledger.

Protecting tokenized structures using a protection architecture

Disclosed in some examples are methods, systems, and machine-readable mediums for simultaneously capturing an image of multiple checks for deposit. An example method includes receiving, by a bank computing system and from a user device, a multi-check image depicting a front side of multiple checks for deposit with a bank during a communication session. The bank computing system may generate a front side image for each of the multiple checks from the multi-check image. The bank computing system may receive electronic signature data for a customer, during the communication session, and generate a back side data for each of the multiple checks using the electronic signature data. A check image file may be stored for each respective check of the multiple checks, with each check image file including the back side data, such as a generated image, and the front side image for the respective check.

Simultaneous capture of multiple checks

Aspects of this technical solution can include identifying an NFT linked with a first public and private key pair associated with the source account, having a transfer property indicating that the NFT is transferable from the source account, having a value property denominated in fiat currency, and having a volatility metric based on one or more requests to transfer the NFT prior to or concurrently with the request, transferring the NFT from the first public and private key pair to a second public and private key pair linked with the NFT transaction processor and associated with an institution account of the financial institution, generating a third public and private key pair linked with the second customer computing device and associated with the recipient account, and transferring the amount of currency from the second public and private key pair to the third public and private key pair.

Format transformation of non-fungible token (NFT) via transfer by containerized data structures

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

Growing community of inventors

Concord, CA, United States of America

Dennis Emmanuel Montenegro