Wells Fargo Bank, N.a.

Timothy Roger Ward

Dennis Emmanuel Montenegro

Darren M Goetz

Chris Theodore Kalaboukis

Alicia Y Moore

Uma Meyyappan

Andrew L Martinez

Lisa R Magana

Marla M Pacis

Darrell Lee Suen

David C Hatch

Suzanne M Fisi

Simone Olivia Harvey

Aaron Francis Colfax Petrik

Steven J Wirt

Ryan James Wyler

Nancy B Zimmerman

Muhammad Farukh Munir

Jennifer L Copeland

Miranda C Hill

Susan Symons

Muhammed Farukh Munir

Jennifer Lynn Semien Copeland

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 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

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

Purchasing, maintaining, and deriving revenue from mobile autonomous units is facilitated by providing a mobile autonomous unit marketplace in which equity shares in mobile autonomous units can be bought, sold and traded. Valuation of mobile autonomous units within the marketplace can be a function of a variety of factors such as the mobile autonomous unit's primary geographic region, and the number, diversity, and time management of revenue streams available to the mobile autonomous units.

Purchasing and monetizing of mobile autonomous units

Systems, methods, and apparatuses for maintaining a balance or level of cash stored within a plurality of terminals at a point of sale location are described herein. A provider computing system receives a pre-staging request and transaction information from a customer device. The provider computing system receives terminal information about a plurality of terminals from a point of sale computing system. The provider computing system then determines an appropriate terminal of the plurality of terminals for the customer to complete their intended transaction based on the transaction information and the terminal information, and transmits a notification indicating the appropriate terminal to the customer device.

Systems and methods for cash leveling at self-checkout machine

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

Systems and methods relating to a lockbox bank for currency drop-offs are provided. A lockbox bank includes one or more lockboxes, a safe coupled to the one or more lockboxes, and a terminal of a lockbox computing system. Each lockbox includes a receptacle configured to receive a currency drop-off and a locking mechanism. The terminal includes a network interface, a display device, one or more input/output devices, and a processing circuit including a processor and a memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive a request from the customer to use a lockbox for a currency drop-off, receive access credentials, verify the access credentials, in response to successful verification, grant the customer access to a lockbox, and in response to determining that the drop-off has been completed, move the drop-off from the receptacle to the safe.

Systems and methods for a night drop system

A method for using an autonomous vehicle includes receiving one or more user preferences for use of the autonomous vehicle. A destination is received for a trip using the autonomous vehicle. An arrival time is received for when the trip needs to be completed. A determination is made as to whether the user preferences includes a preference for physical activity for the trip. One or more routes are provided for the trip to the destination that permits the trip to be completed by the arrival time and that implements at least one of the user preferences. At least one of the routes comprises a hybrid route including one segment in which a physical activity selected by the user is suggested for traversing a distance of the one segment and another segment using the autonomous vehicle.

Creating trip routes for autonomous vehicles

A computing system includes a database, a processor, at least one processor, and at least one program logic stored in at least one memory that, when executed, is configured to cause the at least one processor to: receive, from an entity computing system, a request related to a layaway transaction of a user; facilitate initiation of a layaway deposit account, wherein facilitating initiation of the layaway deposit account comprises: determining that the user has a profile in the database; associating the layaway deposit account with the profile; generating at least one rule that governs the layaway deposit account; and associating the at least one rule with the layaway deposit account; and receive, from an automated teller machine (ATM), a funds deposit amount that complies with the at least one rule associated with the layaway deposit account.

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 system includes a portable locker configured to contain contents and a remote server. The portable locker is configured to prevent access to the contents until the portable locker arrives at a preset destination from a starting location and notify a remote server in response to a determination that the portable locker is not within a threshold range of a user device during transit to the predefined destination.

Portable locker and docking station system

Systems, methods, and apparatuses for providing cash back to a customer from a linked ATM after a purchase transaction are described herein. A customer initiates the transactions using a payment check. A cash back amount is determined and an authentication passcode is created. Cash back information is then transmitted to the linked ATM. The cash back information includes the cash back amount and the authentication passcode. The authentication passcode is then provided to the customer. A cash back transaction is then authenticated using the authentication passcode, and the customer is provided with the cash back amount from the linked ATM.

Customization of sharing of rides can involve the grouping of passengers in vehicles according to objective and subjective parameters and preferences. In some embodiments, vehicles or other components of the system are equipped to identify and compare information about users of the system using biometric scanning. In some embodiments, fares for rideshares can be tied to a projected quality or desirability of the rideshare for a user or users of the system.

Customization of sharing of rides

Systems and methods for mutual authentication of a user and a container administrator computer system. A container administrator computer system receives a request from a mobile computing device for a user to access a secure container. The request includes a user identifier. The administrator system receives a first authentication factor corresponding to the user. The administrator system authenticates the user by verifying that the first authentication factor matches a first reference authentication factor associated with the user identifier. The administrator system sends a second authentication factor associated with the administrator system to a human-machine interface associated with the secure container or the mobile computing device. The administrator system receives a notification of authentication of the administrator system using the authentication factor. The administrator system transmits an unlock signal to unlock the secure container.

Secure container mutual authentication

The present disclosure describes devices and methods for facilitating specific transactions between a seller and a purchaser. In particular, a computing device, an accounts database, and a network interface are disclosed. In some embodiments, the specific transaction is a layaway transaction. The computing device receives a request to facilitate the transaction between the seller and purchaser. The computing device sets up a layaway deposit account for the transaction, facilitates funding of the account, and finalizes the transaction in response to a condition being met.

Growing community of inventors

Mesa, AZ, United States of America

Timothy Roger Ward