Wells Fargo Bank, N.a.

Susan Symons

Alicia Y Moore

Miranda C Hill

Dennis Emmanuel Montenegro

Darren M Goetz

Timothy Roger Ward

Steven E Puffer

Michael R Thomas

Dominik Vltavsky

Young M Yang

Jerome Rhodes

A robotic device includes an interface configured to receive physical money during a transaction, an onboard vault coupled to the interface and configured to secure the physical money received by the interface, an electric motor operable to move the robotic device, and a control circuit configured to control the electric motor to move the robotic device toward an intended destination at a financial institution.

Money transportation robot

A system includes a currency counting device communicably coupled to memory and one or more processors. The memory stores instructions that are executable by the one or more processors to cause the one or more processors to cause a first amount of currency to be counted by the currency counting device, wherein the first amount of currency is an actual amount of currency received by a teller money drawer; determine that the first amount of currency is a discrepancy amount different than an expected amount of currency; determine that a teller error is a potential source of the discrepancy based on the discrepancy amount being below a threshold; and cause a display device of a teller computing device to display an indication within a pop-up window that the teller error is the potential source of the discrepancy based on the discrepancy amount being below the threshold.

Systems and methods for automated teller drawer counting and balancing

An entity computing system associated with an entity where the entity computing system comprises a processing circuit configured to receive a transaction description from a device where the transaction description comprises at least one of a time, a location, or a transaction to be completed at a location, transmit the transaction description to a location computing system associated with the location, receive location information from the device indicative of the device being located at the location, and service the user of the device via a receptacle chosen based on the information, the transaction description, and the device being located at the location.

Systems and methods for completing transactions via curbside service

Systems, methods, and apparatuses for enrolling a user with a product of an institution are provided. One or more processors of a user device perform operations including: establishing a short-range communication channel with a computing device associated with an institution based on a tap exchange; providing information to the computing device over the short-range communication channel, the information associated with an enrollment of a user with a product of the institution; and automatically ceasing the short-range communication channel based on at least one of a predetermined time period or a location of the user device.

Systems and methods for onboarding customers through a short-range communication channel

A provider computing system comprises a network interface configured to communicate data to and from a lockbox computing system associated with the provider and a user device associated with a user over a network, and a lockbox management circuit structured to receive a lockbox transaction request from the user device where the lockbox transaction request comprises a transaction identification and a desired time window for the lockbox transaction, identify a lockbox available to complete the lockbox transaction according to the lockbox transaction request from a plurality of lockboxes located at different lockbox locations, transmit a lock request to the lockbox causing the lockbox to physically lock via an actuator of the lockbox, dispense currency into the lockbox by a currency dispenser based on the transaction identification, and cause the actuator to unlock the lockbox based on an input terminal of the lockbox receiving a passcode during the time window.

Systems and methods for completing transactions via lockable boxes

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

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.

Real-time custom interfaces through multi-channel geo-fencing

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.

A method includes receiving, by a financial institution computing system of a financial institution, a curbside transaction request from a user device, the user device being associated with an account holder of the financial institution, and the curbside transaction request including a transaction description; determining, by the financial institution computing system, based on the transaction description and a branch service availability, a branch location from a plurality of branch locations associated with the financial institution; updating, in real-time by the financial institution computing system, the branch location based on additional information received from the user device; transmitting, by the financial institution computing system, a curbside set-up request to a branch location computing system associated with the branch location; and transmitting, by the financial institution computing system, curbside transaction information to the user device, the curbside transaction information including the branch location and authentication details.

A method includes receiving a lockbox transaction order associated with an account of the provider from a first user device where the lockbox transaction order includes a requested transaction and a desired transaction location, validating whether the requested transaction can be completed at the desired transaction location, determining a physical lockbox associated with the provider from a plurality of physical lockboxes at an alternative lockbox transaction location based on determining that the lockbox transaction order cannot be completed at the desired transaction location, transmitting an indication to a user device indicating that the requested transaction can be completed at the alternative lockbox transaction location, preparing the physical lockbox for the requested transaction, and authenticating a user at the physical lockbox where authenticating the user at the physical lockbox enables the physical lockbox to unlock and become accessible by the user.

A method includes receiving, from a user device, a transaction service request including a transaction identification and a transaction time; identifying a first plurality of lockbox locations that can complete the transaction service request based on the transaction identification and the transaction time, the first plurality of lockbox locations being within a threshold proximity of a geographic area associated with the user account; receiving, from the user device, a selection of one of the lockbox locations of the first plurality of lockbox locations that can complete the transaction service request; configuring a physical lockbox of the selected lockbox location; receiving an unlock attempt; and transmitting an unlock command to the physical lockbox to unlock the door of the physical lockbox based on a comparison of the unlock attempt to a lockbox locking passcode.

Systems and methods for completing transactions via lockboxes

A method performed by a processor of a financial institution computing system includes receiving a curbside transaction description from a device, transmitting a set-up request to a location computing system associated with a location, transmitting curbside transaction information to the device, receiving location information from the device indicative of the device being located at the location, initiating the curbside transaction, and servicing a user associated with the device via a receptacle chosen based on the location information and the curbside transaction description.

An automated teller machine (ATM) includes a network interface and an authentication circuit configured to receive data indicative of an interaction with the ATM by a user, detect that an individual computing device is in proximity to the ATM, determine that the individual computing device is not associated with a financial account, display a prompt comprising instructions to bind the individual computing device of the user to the financial account, receive data comprising a unique identifier of the individual computing device of the user, bind the individual computing device to the financial account based at least in part on the received unique identifier of the individual computing device of the user, and transmit, to the individual computing device, an application authorization, the application authorization authorizing an application to complete operations associated with the financial account via the bound individual computing device of the user.

Provisioning of an individual computing device via ATM

Real time custom interfaces through multi-channel geo-fencing

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.

Growing community of inventors

San Francisco, CA, United States of America

Susan Symons