Cash delivery application

Patent metadata

Field	Value
Publication number	US-12045787-B2
Application number	US-202318202014-A
Country	US
Kind code	B2
Filing date	May 25, 2023
Priority date	Oct 22, 2019
Publication date	Jul 23, 2024
Grant date	Jul 23, 2024

Abstract

Systems, methods, and apparatuses described herein relate to a method for delivering cash to a user. The method includes receiving a cash delivery request from a first user device of the user. The method includes generating a cash authentication code (CAC) for the cash delivery request to be verified by a cash dispenser machine. The method may include transmitting the cash delivery request and the CAC to a second user device of a driver. The method may include determining a route for the driver from a first location of the driver, to a second location of a cash dispenser machine, and to a third location of the customer to deliver the cash delivery request. The method may include instructing the cash dispenser machine to dispense cash in response to authenticating the second user device based on the CAC and determining that the first current location is at the second location.

First claim

What is claimed is:

1. A method comprising:
transmitting, by a provider computing system based on a cash delivery request, a first cash authentication code (CAC) to a first user device of a deliverer;
in response to determining that the first CAC was verified at a cash dispenser machine, transmitting, by the provider computing system, a second CAC to the first user device;
determining, by the provider computing system, a route from a current global positioning system (GPS) location of the first user device, to a GPS location of the cash dispenser machine, and to a GPS location of a second user device of a customer; and
sending, by the provider computing system, instructions to the cash dispenser machine to dispense an amount of cash associated with the cash delivery request in response to determining that the cash dispenser machine verified the second CAC from the first user device and determining that the current GPS location of the first user device is within a predetermined distance of the GPS location of the cash dispenser machine.

2. The method of claim 1 , wherein the first CAC comprises at least one of a quick response (QR) code, a near field communication (NFC) signal, or a virtual card received via an online mobile application.

3. The method of claim 1 , wherein the second CAC comprises at least one of a quick response (QR) code, a near field communication (NFC) signal, or a virtual card received via an online mobile application.

4. The method of claim 1 , wherein the cash dispenser machine comprises an Automated Teller Machines (ATMs) or a cash locker.

5. The method of claim 1 , further comprising expiring, by the provider computing system, the first CAC in response to the first CAC being verified at the cash dispenser machine.

6. The method of claim 1 , further comprising cancelling, by the provider computing system, the cash delivery request based on the current GPS location of the first user device.

7. A system, comprising:
at least one processor operatively coupled to a memory to form a processing circuit, the at least one processor configured to:
transmit, based on a cash delivery request, a first cash authentication code (CAC) to a first user device of a deliverer;
in response to determining that the first CAC was verified at a cash dispenser machine, transmit a second CAC to the first user device;
determine a route from a current global positioning system (GPS) location of the first user device, to a GPS location of the cash dispenser machine, and to a GPS location of a second user device of a customer; and
send instructions to the cash dispenser machine to dispense an amount of cash associated with the cash delivery request in response to determining that the cash dispenser machine verified the second CAC from the first user device and determining that the current GPS location of the first user device is within a predetermined distance of the GPS location of the cash dispenser machine.

8. The system of claim 7 , wherein the first CAC comprises at least one of a quick response (QR) code, a near field communication (NFC) signal, or a virtual card received via an online mobile application.

9. The system of claim 7 , wherein the second CAC comprises at least one of a quick response (QR) code, a near field communication (NFC) signal, or a virtual card received via an online mobile application.

10. The system of claim 7 , wherein the cash dispenser machine comprises an Automated Teller Machines (ATMs) or a cash locker.

11. The system of claim 7 , wherein the processing circuit is further configured to expire the first CAC in response to the first CAC being verified at the cash dispenser machine.

12. The system of claim 7 , wherein the processing circuit is further configured to cancel the cash delivery request based on the current GPS location of the first user device.

13. A non-transitory computer-readable medium comprising computer-readable instructions such that, when executed by at least one processor, causes the at least one processor to:
transmit, based on a cash delivery request, a first cash authentication code (CAC) to a first user device of a deliverer;
in response to determining that the first CAC was verified at a cash dispenser machine, transmit a second CAC to the first user device;
determine a route from a current global positioning system (GPS) location of the first user device, to a GPS location of the cash dispenser machine, and to a GPS location of a second user device of a customer; and
send instructions to the cash dispenser machine to dispense an amount of cash associated with the cash delivery request in response to determining that the cash dispenser machine verified the second CAC from the first user device and determining that the current GPS location of the first user device is within a predetermined distance of the GPS location of the cash dispenser machine.

14. The non-transitory computer-readable medium of claim 13 , wherein the first CAC comprises at least one of a quick response (QR) code, a near field communication (NFC) signal, or a virtual card received via an online mobile application.

15. The non-transitory computer-readable medium of claim 13 , wherein the second CAC comprises at least one of a quick response (QR) code, a near field communication (NFC) signal, or a virtual card received via an online mobile application.

16. The non-transitory computer-readable medium of claim 13 , wherein the computer-readable instructions further cause the at least one processor to expire the first CAC in response to the first CAC being verified at the cash dispenser machine.

17. The non-transitory computer-readable medium of claim 13 , wherein the computer-readable instructions further cause the at least one processor to cancel the cash delivery request based on the current GPS location of the first user device.

Assignees

• Wells Fargo Bank Na

Inventors

• Goetz Darren M
• Kurani Ashish B
• Mar Joann
• Montenegro Dennis E
• Ng Joseph
• Raval Damodar
• Schur Lisa

Classifications

• G07D11/0087 Primary

  Banknote changing devices · CPC title

• G06K7/1417

  2D bar codes · CPC title

• G06K7/10297

  arrangements for handling protocols designed for non-contact record carriers such as RFIDs NFCs, e.g. ISO/IEC 14443 and 18092 (cryptographic protocols H04L9/00; network security protocols H04L63/00; real-time communication protocols in data switching networks H04L65/00; network protocols for data switching network services H04L67/00) · CPC title

• G07F19/211

  Software architecture within ATMs or in relation to the ATM network · CPC title

• G06Q20/40145

  Biometric identity checks · CPC title