Wells Fargo Bank, N.a.

Jerome Rhodes

Michael R Thomas

Steven E Puffer

Alicia Y Moore

Elizabeth Schrag

Jimmy Wang

Miranda C Hill

Susan Symons

Young M Yang

Steve Puffer

Jesse Fung Lee

Hemesh Yadav

Denny E Puckett

Rebecca H McCloskey

A mobile device includes a near-field communication (NFC) device, a network interface, an input/output device, and a processing circuit having a processor and a memory. The memory stores instructions that, when executed by the processor, cause the processing circuit to receive, via the input/output device, payment card information relating to a payment card of a customer and to transmit, via the network interface, the payment card information to a mobile wallet computing system. The instructions further cause the processing circuit to receive, via the network interface, an inactive payment token representing the payment card and to store the inactive payment token in a mobile wallet of the mobile device. The instructions further cause the processing circuit to establish, via the NFC device, an NFC session with an automated teller machine (ATM) and to update a status of the stored inactive payment token from inactive to active.

Systems and methods for near-field communication token activation

A provider system includes one or more processors and non-transitory computer-readable media comprising instruction stored thereon that, when executed by the one or more processors, cause the one or more processors to receive, from an automated teller machine (ATM), deposit information corresponding to an interaction between a customer and the ATM, extract an event indicator value from the received deposit information, process the event indicator value, determine an event indicator trend for the ATM, and determine, based on the event indicator trend, a service condition of the ATM.

Systems and methods for reducing ATM deposit losses

Identification information is received at a transaction machine. The identification information is associated with a user associated with an account. Using an activity profile of the user, a determination is made to enable chained transactions during the user's use of the transaction machine. A sequence of user interfaces to display to the user is generated enabling the user to chain transactions based on the activity profile.

Smart chaining

A system includes a customer database that stores user information regarding a plurality of customers; a network interface configured to communicate data over a network; and a processing circuit. The processing circuit is configured to: receive a first indication that a customer is within a first predetermined distance of an automated teller machine (ATM) drive-through area; transmit an authorization signal to the customer computing device configured to activate an ATM pre-stage function of an application implemented on the customer computing device to pre-stage an ATM transaction; receive a second indication that the customer is within a second predetermined distance of an ATM in the ATM drive-through area; transmit transaction information regarding the ATM transaction to the ATM; and authorize the ATM transaction at the ATM in an ATM drive-through area based on the transaction information.

Systems and methods for remote ATM access

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 rewards redemption ATM banners

A system includes a location identifier device and a computer system. The location identifier is configured to transmit an identifier to a user device when the user device is within a predetermined range of an area and receive location information from the user device associated with a user. The computer system is configured to receive the location information from the user device within the area via the location identifier device and receive a request for an ATM transaction from the user device. The request includes attribute information associated with the user. The computer system is configured to receive attribute information associated with the user comprising an indication of a license plate within the area and identify, based on a determination that the attribute information at least partially matches the attribute information from the request, the user associated with the request. The computer system is configured to transmit, based on the user device being within the area and the identification of the user, a transaction code to the user device.

Systems and methods for rewards redemption atm banners

A provider system includes an automated teller machine (ATM) and a providing computing system that includes an input/output logic configured to receive, from the ATM, deposit information corresponding to an interaction between a customer and the ATM, and that includes an event indicator relay logic configured to extract an event indicator value from the received deposit information, process the event indicator value, determine an event indicator trend for the ATM, and determine, based on the event indicator trend, a service condition of the ATM.

A system includes a location identifier device configured to receive location information from a user device; a surveillance device configured to capture video surveillance; and a computer system. The computer system is configured to: receive the location information; receive a request for an ATM transaction that includes attribute information associated with the user; obtain, from the received video surveillance, captured attribute information associated with the user; determine that the captured attribute information at least partially matches the received attribute information; transmit a transaction code to the user device based on (i) the location information from the user device being within the area, (ii) the captured attribute information at least partially matching the attribute information, and (iii) the identification of the user associated with the request; and facilitate the ATM transaction based at least partially on the received transaction code.

A system includes a customer database that stores user information concerning a plurality of customers, a network interface configured to communicate data over a network, and a processing circuit comprising a processor and memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive an indication that a customer is within a predetermined distance from an automated teller machine (ATM), transmit, responsive to receiving the indication, an authorization signal to a customer computing device associated with the customer, the authorization signal configured to activate an ATM pre-stage function of an application implemented on the customer computing device, receive, by the network interface over the network, customer transaction preferences from the customer computing device, and authorize an ATM transaction at the ATM based on the received customer transaction preferences.

Systems and methods of remotely configuring a transaction based, in part, on location information for execution by a computing device associated with a financial institution computing system include a backend system configured to receive location information associated with a user device, determine the location information associated with the user device matches a location configured for pre-staging an ATM transaction, transmit an ATM pre-stage authorization signal to the user device, transmit an authentication decision to the user device, and transmit a transaction code to the user device.

Systems and methods for remote atm access

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.

A method for authenticating a transaction includes replacing a first security value of a transaction device with a second security value; receiving, during a first transaction, the second security value; authenticating the first transaction based at least in part on the second security value; determining that a predetermined number of transactions have occurred during which the second verification value was not rewritten since the second security value was replaced; responsive to determining that the predetermined number of transactions have occurred, replacing the second security value on the transaction device with a third security value; receiving, during a second transaction, the third security value; and authenticating the second transaction based at least in part on the third security value.

System and method of authentication using a re-writable security value of a transaction card

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. Using an activity profile of the account holder, a determination is made to enable chained transactions during the account holder's use of the transaction machine. A sequence of user interfaces to display to the account holder is generated enabling the account holder to chain transactions based on the account holder chaining transactions during prior transaction machine usage.

Growing community of inventors

Hayward, CA, United States of America

Jerome Rhodes