Systems and methods for inter-institutional ATM functionality

Patent metadata

Field	Value
Publication number	US-12430625-B2
Application number	US-202318397860-A
Country	US
Kind code	B2
Filing date	Dec 27, 2023
Priority date	Dec 28, 2016
Publication date	Sep 30, 2025
Grant date	Sep 30, 2025

Abstract

An automated teller machine (ATM) allows a user with accounts at both a first institution and a second institution to use an ATM of the first institution to physically place cash or a check into the ATM of the first institution for deposit into an account at the second institution. In some cases, a failed attempt message may indicate a funds transfer failed due to a network connectivity issue, an inactive payee account, or an expired payee account number. In case of a network connectivity issue, the funds transfer may be reinitiated. In case of an inactive payee account or expired payee account number, funds may be transferred to the first account instead of the second account. The ATM may display an indication of the failed attempt and a confirmation of a transfer to the first account.

First claim

What is claimed is:

1. A method, comprising:
detecting, by an automated teller machine (ATM) comprising a near-field communication (NFC) transceiver, that a chip is proximate to the NFC transceiver;
transmitting, by the ATM, a signal including information received from the chip;
extracting, by a first computing system of a first institution, information associated with a user that holds a first account at the first institution and a second account at a second institution;
retrieving, by the first computing system, based on the information, a user identification associated with the user;
generating, by the first computing system, an encrypted message from a message based on a cryptography technique;
transmitting, by the first computing system, via a network interface, the encrypted message to a second computing system of the second institution;
associating, by the first computing system, a registered second account with a stored user profile in an accounts database of the first computing system;
authenticating, by the first computing system, the user based on the user identification, wherein authenticating the user comprises comparing the user identification to the stored user profile in the accounts database;
receiving, by the first computing system, from the ATM, a selection indicating that funds physically deposited into the ATM are to be deposited into the second account;
initiating, by the first computing system, a transfer to the second account upon receiving the selection from the ATM; and
transmitting, by the first computing system, to the ATM, a confirmation of a transfer of funds to the first account, for display via a user interface of the ATM.

2. The method of claim 1 , further comprising receiving, by the first computing system, an image captured using a camera of the ATM.

3. The method of claim 1 , further comprising receiving, by the first computing system, audio captured using a microphone of the ATM.

4. The method of claim 1 , further comprising receiving, by the first computing system, one or more biometrics of the user from the ATM.

5. The method of claim 4 , wherein the one or more biometrics of the user is based on an image captured using a camera of the ATM.

6. The method of claim 4 , wherein the one or more biometrics of the user is based on audio captured using a microphone of the ATM.

7. The method of claim 1 , wherein the stored user profile comprises at least one of an authenticated personal identification number, an authenticated image, authenticated audio, or authenticated biometrics.

8. The method of claim 7 , wherein the method further comprises at least one of:
determining there is a first match between the authenticated personal identification number and a personal identification number received from the ATM;
determining there is a second match between the authenticated image and an image received from the ATM;
determining there is a third match between the authenticated audio and audio received from the ATM; or
determining there is a fourth match between the authenticated biometrics and biometrics received from the ATM.

9. The method of claim 1 , further comprising, by the ATM:
displaying an initial screen having one or more user selectable transaction options;
in response to receiving a first user selection of one or more selectable transaction options, displaying a second a second screen having a first user selectable deposit option to transfer the funds to the first account and a second user selectable deposit option to transfer the funds to the second account; and
in response to receiving a second user selection of the second user selectable deposit option, transmitting a completion message to complete a transfer of the funds to the first account.

10. The method of claim 1 , wherein associating the registered second account comprises associating, by the first computing system, the registered second account with the stored user profile in an accounts database of the first computing system.

11. The method of claim 1 , further comprising:
receiving, by the first computing system, from the second computing system, a failed attempt message indicating a reason for failure;
determining, by the first computing system, from the failed attempt message, that the reason indicates the transfer of funds failed due to a network connectivity issue; and
responsive to determining that the reason indicates the network connectivity issue, re-initiating, by the first computing system, the transfer of funds to the registered second account at the second computing system.

12. The method of claim 1 , further comprising:
receiving, by the first computing system, from the second computing system, a failed attempt message indicating a reason for failure;
determining, by the first computing system, from the failed attempt message, that the reason indicates the transfer of funds failed due to one of (i) an inactive payee account or (ii) an expired payee account number; and
responsive to determining that the reason indicates one of the inactive payee account or the expired payee account number, initiating by the first computing system, the transfer of funds to the first account instead of the registered second account.

13. The method of claim 12 , wherein an indication of the failed attempt is transmitted to the ATM.

14. A system comprising:
an automated teller machine (ATM); and
a first computing system associated with a first institution, the first computing system comprising one or more processors configured to:
extract, from a signal transmitted by the automated teller machine (ATM) which (i) comprises a near-field communication (NFC) transceiver and which (ii) is configured to detect that a chip is proximate to the NFC transceiver and transmit information received from the chip to the first computing system, information associated with a user with a first account at the first institution and a second account at a different second institution;
retrieve, based on the information, a user identification associated with the user;
generate, on a cryptography technique, an encrypted message comprising a request to register the second account at a second computing system of the second institution using second account information associated with the second institution;
transmit, via a network interface, the encrypted message to the second computing system of the second institution;
associate a registered second account with a stored user profile in an accounts database held at the first institution;
authenticate the user using the user identification, wherein authenticating the user comprises comparing the user identification to the stored user profile;
receive, from the ATM, a selection option indicating that funds physically deposited into the ATM are to be deposited into the registered second account at the second institution;
initiate, via an inter-financial institution transfer, a funds transfer from the first computing system to the registered second account at the second computing system upon receiving the selection option; and
transmit, to the ATM, a confirmation of a transfer of funds to the first account, for display to the user via the user interface of the ATM.

15. The system of claim 14 , wherein the one or more processors of the first computing system are further configured to receive an image captured using a camera of the ATM.

16. The system of claim 14 , wherein the one or more processors of the first computing system are further configured to receive audio captured using a microphone of the ATM.

17. The system

Assignees

• Wells Fargo Bank Na

Inventors

• Fontana Laura
• Lockwood-Stein Margot
• Thomas Michael R

Classifications

• G06Q20/4014

  Identity check for transactions · CPC title

• G07F19/203 Primary

  Dispensing operations within ATMs (dispensing in general G07D11/00) · CPC title

• G07F19/202

  Depositing operations within ATMs (depositing in general G07D11/00) · CPC title

• G06Q20/1085 Primary

  involving automatic teller machines [ATMs] · CPC title