Ride sharing with cash delivery

Patent metadata

Field	Value
Publication number	US-11587014-B1
Application number	US-201916660644-A
Country	US
Kind code	B1
Filing date	Oct 22, 2019
Priority date	Oct 22, 2019
Publication date	Feb 21, 2023
Grant date	Feb 21, 2023

Abstract

A method comprises receiving a cash level indicator from a third-party server. The cash level indicator indicates an amount of cash in each of a plurality of cash storage devices, where the plurality of cash storage devices receive cash from a plurality of delivery agents. Each of the cash storage devices is arranged within or on a vehicle operated by one of the plurality of delivery agents. The method further comprises receiving a cash request from a user device. The method also includes selecting one of the plurality of cash storage devices based on the cash level indicator and location data of delivery agent devices of the delivery agents. The method also comprises sending a message comprising location data of the user device, the selected delivery agent device being one of the delivery agent devices, wherein the selected cash storage device is associated with the selected delivery agent device.

First claim

What is claimed is:

1. A method, comprising:
receiving, by a provider institution computing system via a network, a cash level indicator from a mobile application provided by a third-party server, the cash level indicator indicating a value of an amount of cash stored in each of a plurality of cash storage devices, the plurality of cash storage devices receiving cash from a plurality of delivery agents, each of the plurality of cash storage devices arranged within or on a vehicle operated by a corresponding one of the plurality of delivery agents;
receiving, by the provider institution computing system via the network, a cash request from a user device of a user;
selecting, by the provider institution computing system, two or more cash storage devices of the plurality of cash storage devices based on the cash level indicator and location data of a plurality of delivery agent devices of the plurality of delivery agents;
sending, by the provider institution computing system to two or more delivery agent devices corresponding to the two or more cash storage devices, a message comprising location data of the user device;
responsive to receiving a confirmation message from each of the two or more delivery agent devices, instructing, by the provider institution computing system, the user device to display attributes of two or more delivery agents corresponding to the two or more delivery agent devices;
generating, by the provider institution computing system, responsive to receiving a selection of a delivery agent of the two or more delivery agents from the user device, a navigation route based on a location of the user device and a location of a delivery agent device of the delivery agent;
transmitting, by the provider institution computing system, an authentication code to the user device responsive to receiving the selection of the delivery agent;
comparing, by the provider institution computing system, an authentication message transmitted by a respective cash storage device of the delivery agent to the authentication code transmitted to the user device to identify a match to authenticate the user device, the authentication message comprising the authentication code obtained by the cash storage device from the user device;
transmitting, by the provider institution computing system, a verification message to the respective cash storage device of the delivery agent responsive to authenticating the user device, causing the respective cash storage device to dispense cash in accordance with the cash request; and
providing, by the provider institution computing system, a reward to the delivery agent via the delivery agent device of the delivery agent, the reward based on the value of an amount of cash added to the cash storage device.

2. The method of claim 1 , wherein the cash level indicator is related to an amount of cash received by the plurality of delivery agents from a plurality of customers.

3. The method of claim 2 , wherein the third-party server is in communication with the provider institution computing system.

4. The method of claim 2 , further comprising:
determining, by the provider institution computing system, whether the delivery agent adds the amount of cash to the cash storage device; and
in response to determining that the delivery agent adds the amount of cash to the cash storage device, determining, by the provider institution computing system, the value of the amount of cash added to the cash storage device.

5. The method of claim 1 , wherein the location data of the plurality of delivery agent devices is determined based on a plurality of global positioning system (GPS) signals from the plurality of delivery agent devices.

6. The method of claim 1 , wherein the cash level indicator is related to an amount of cash available in the cash storage device.

7. The method of claim 1 , wherein selecting the two or more cash storage devices further comprises receiving, by the provider institution computing system, a respective message from each of the two or more cash storage devices indicating each of the two or more cash storage devices are available.

8. The method of claim 1 , further comprising sending, by the provider institution computing system, the location data of the delivery agent device of the delivery agent to the user device.

9. A provider institution computing system, comprising:
a network interface; and
a processing circuit configured to:
receive a cash level indicator from a mobile application provided by a third-party server, the cash level indicator indicating a value of an amount of cash stored in each of a plurality of cash storage devices, the plurality of cash storage devices receiving cash from a plurality of delivery agents, each of the plurality of cash storage devices arranged within or on a vehicle operated by a corresponding one of the plurality of delivery agents;
receive a cash request from a user device of a user;
select two or more cash storage devices of the plurality of cash storage devices based on the cash level indicator and location data of a plurality of delivery agent devices of the plurality of delivery agents;
send a message to two or more delivery agent devices corresponding to the two or more cash storage devices, the message comprising location data of the user device;
responsive to receiving a confirmation message from each of the two or more delivery agent devices, instruct the user device to display attributes of two or more delivery agents corresponding to the two or more deliver agent devices;
generate, responsive to receiving a selection of a delivery agent of the two or more delivery agents from the user device, a navigation route based on a location of the user device and a location of a delivery agent device of the delivery agent;
transmit an authentication code to the user device responsive to receiving the selection of the delivery agent;
compare an authentication message transmitted by a respective cash storage device of the delivery agent to the authentication code transmitted to the user device to identify a match to authenticate the user device, the authentication message comprising the authentication code obtained by the cash storage device from the user device;
transmit a verification message to the respective cash storage device of the delivery agent responsive to authenticating the user device, causing the respective cash storage device to dispense cash in accordance with the cash request; and
provide a reward to the delivery agent via the delivery agent device of the delivery agent, the reward based on the value of an amount of cash added to the cash storage device.

10. The provider institution computing system of claim 9 , wherein the cash level indicator is related to an amount of cash received by the plurality of delivery agents from a plurality of customers.

11. The provider institution computing system of claim 10 , wherein the third-party server is in communication with the provider institution computing system.

12. The provider institution computing system of claim 11 , wherein the processing circuit is configured to:
determine whether the delivery agent adds the amount of cash to the cash storage device; and
in response to determining that the delivery agent adds the amount of cash to the cash storage device, determine the value of the amount of cash added to the cash storage device.

13. The provider institution computing system of claim 9 , wherein the location data of the plurality of delivery agent devices is determined based on a plurality of global positioning system (GPS) signals from the plurality of delivery agent devices.

14

Assignees

• Wells Fargo Bank Na

Inventors

• Goetz Darren M
• Jiron Julio
• Mar Joann
• Montenegro Dennis E
• Ng Joseph
• Raval Damodar
• Schur Lisa

Classifications

• G06Q10/083 Primary

  Shipping · CPC title