Wells Fargo Bank, N.a.

Other

Cisco Technology, Inc.

Michael R Thomas

Jerome Rhodes

Steven E Puffer

Alicia Y Moore

Elizabeth Schrag

Jimmy Wang

Miranda C Hill

Susan Symons

Young M Yang

Steve Puffer

Jesse Fung Lee

Darrell Lee Suen

Laura Marie Fontana

Jeffrey A Cornman

Margot Lockwood-Stein

James Lewis Fenton

Jay Aurelios Garcia

Hemesh Yadav

Armin Ajami

Roger Baclig

Ashish Bhoopen Kurani

Joon Maeng

Richard Woundy

Anup Bandigadi Rao

Guenter E Roeck

Azita Asefi

Feisal Y Daruwalla

Jenny Y Tao

James R Forster

Mary Kathleen Wrenwood Maloney

Marcia Klingensmith

Justin C Freeman

Thomas Mitchell

Frederick Juergens Baker

Karen Lynne Moore

Shamim Sharifuddin Pirzada

Brian Paul McMahon

John Maher

Yon Wing Lee

Andrew J Diggdon

Louis M Thomas

Bailey G Szeto

Greg Brandt

Sanjay Pol

Ashok Ramaswami

Chris Gieseking

Lonnie Randolph

Dave Winship

Lydia M Jones

An automated teller machine (ATM) allows a user with accounts at both a first institution and a second institution to use an ATM of the first institution to physically place cash or a check into the ATM of the first institution for deposit into an account at the second institution. In some cases, a failed attempt message may indicate a funds transfer failed due to a network connectivity issue, an inactive payee account, or an expired payee account number. In case of a network connectivity issue, the funds transfer may be reinitiated. In case of an inactive payee account or expired payee account number, funds may be transferred to the first account instead of the second account. The ATM may display an indication of the failed attempt and a confirmation of a transfer to the first account.

Systems and methods for inter-institutional ATM functionality

Systems and methods for cardless authentication of a user at an automated teller machine are described. A method includes detecting, by a mobile device of a customer, a proximity notification including an identifier broadcast from an automated teller machine within a designated time range, the automated teller machine having a transaction card withdrawal limit; transmitting the identifier, a customer token, and a device token to a bank computer system; transmitting a signal to the automated teller machine to initiate the pre-staged cash withdrawal; and providing authentication information to the automated teller machine for authentication to enable the user to perform the pre-staged cash withdrawal at the automated teller machine with an increased cash withdrawal limit, where the increased cash withdrawal limit is higher than the transaction card withdrawal limit and the transaction amount exceeds the transaction card withdrawal limit.

Cardless ATM authentication

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

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, methods, and computer-readable storage media utilized for authenticating and authorizing payments. One method includes receiving one or more biometrics and authenticating the one or more biometrics of the customer based on accessing a customer authentication database and comparing the one or more biometrics to one or more stored authentication templates. The method further includes receiving context information gathered by the POS device, wherein the context information includes a plurality of context elements that describe a context of the transaction and selecting a customer payment profile from a plurality of customer payment profiles identified by the one or more biometrics of the customer. The method further includes authorizing the payment for the transaction from a payment account associated with the selected customer payment profile and sending, to the POS device, a notification that the customer has been authenticated and that the payment for the transaction has been authorized.

Systems and methods for distinguishing between profiles in a passive authentication scheme

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.

Systems and methods for cardless authentication of a user at an automated teller machine are described. The ATM may be operated by a financial institution such as a bank. The method comprises displaying an initial screen on the ATM and authenticating the user at the ATM using authentication information transferred from a mobile device. The method further comprises determining available service options for the user of the ATM based upon the cardless authentication of the user at the ATM using the mobile device.

An expansion deck system for vessels includes a frame assembly for positioning between a stationary floor of a vessel and a plurality of pontoons of the vessel. The frame assembly including a first side with a first elongated opening, and a second side with a second elongated opening. One or more sliding deck members are telescopically connected to the frame assembly by one or more sliding rails and transition between a retracted position and an extended position. In the retracted position the one or more sliding deck members are positioned between the floor and pontoons of the vessel, and in the extended position the one or more sliding deck members are positioned alongside the frame assembly.

Expansion deck system for vessels

Systems, methods, and apparatuses using a financial institution computing system associated with a first financial institution includes a processing circuit including a processor and memory, the memory structured to store instructions that are executable by the processor and cause the processing circuit to receive a user identification associated with a user. The user holds a first account at the first financial institution and a second account at a second financial institution, where the first financial institution is different than the second financial institution. The processing circuit is further configured to authenticate the user using the user identification compared to a stored user profile in an accounts database held at the first financial institution, receive, from an ATM associated with the first financial institution, a selection option indicating the user is depositing an amount of funds into the second account at the second financial institution, receive, from the ATM, an indication that a payment source for the amount of funds was received at the ATM, and initiate a transfer of the amount of funds from the first financial institution to the second account at the second financial institution.

Systems and methods for inter-financial institution deposits at an ATM

Growing community of inventors

San Francisco, CA, United States of America

Michael R Thomas