The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Aug. 04, 2026

Filed:

Jul. 06, 2020
Applicant:

Wells Fargo Bank, N.a., San Francisco, CA (US);

Inventors:

Steven E. Puffer, Champlin, MN (US);

Jerome Rhodes, Hayward, CA (US);

Michael R. Thomas, San Francisco, CA (US);

Hemesh Yadav, Charlotte, NC (US);

Assignee:

Wells Fargo Bank, N.A., San Francisco, CA (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/18 (2012.01); G06Q 20/10 (2012.01); G06Q 20/32 (2012.01); G06Q 20/36 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); H04L 9/08 (2006.01); G07F 19/00 (2006.01);
U.S. Cl.
CPC ...
G06Q 20/18 (2013.01); G06Q 20/102 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/3674 (2013.01); G06Q 20/38215 (2013.01); G06Q 20/40 (2013.01); H04L 9/08 (2013.01); G07F 19/20 (2013.01);
Abstract

An automated teller machine (ATM) comprises a network interface circuit enabling the ATM to exchange information over a network, an input/output device configured to exchange data with a mobile wallet circuit on a device associated with a user, and a processing circuit communicably engaged to the network interface circuit and the input/output device and comprising a processor and a memory where the memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive, by the input/output device, a token from the mobile wallet circuit, determine whether the token is associated with a financial institution (FI) associated with the ATM, and transmit, in response to determining that the token is not associated with the FI, the token to a third party computing system without detokenizing the token.


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