Patents by Inventor Dennis E. Montenegro

Dennis E. Montenegro has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Patent number: 11954984
    Abstract: A cassette for receiving and dispensing bills is disclosed. The cassette includes a sensor structured to detect a location of the cassette, and memory having stored thereon instructions that, when executed by one or more processors, cause the one or more processors to transmit the location of the cassette to a remote computing device, determine that the location of the cassette has changed, and generate an indication that the location of the cassette has changed.
    Type: Grant
    Filed: April 3, 2023
    Date of Patent: April 9, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Christian Mande, Darren Goetz, Frank Digangi, Dennis E Montenegro
  • Patent number: 11954985
    Abstract: Systems, and methods for communicating during a calamity include a processing system of a first ATM that is communicably coupled via an ATM network to a second ATM. The first ATM includes an external network connection separate from the ATM network. The processing system can modify the first ATM from a first mode to a second mode responsive to detecting an event indicative of a calamity. The processing system can receive a user input to send a message to an address. The processing system can transmit the message to the second ATM via the ATM network, to cause the second ATM to route the message to the address. The processing system can receive a response to the message via the ATM network from the second ATM. The processing system can display the response to the message on a user interface of the first ATM.
    Type: Grant
    Filed: December 14, 2021
    Date of Patent: April 9, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Jason Huang, Darren M. Goetz, Dennis E. Montenegro
  • Patent number: 11952827
    Abstract: 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.
    Type: Grant
    Filed: October 21, 2022
    Date of Patent: April 9, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Darren M. Goetz, Lisa R. Magana, Andrew L. Martinez, Uma Meyyappan, Dennis E. Montenegro, Marla M. Pacis, Timothy R. Ward, Chris Kalaboukis
  • Publication number: 20240105031
    Abstract: A system includes a housing structured to be positioned within a portion of a vault of a transaction device. The housing includes a transfer cassette interface structured to receive a transfer cassette. The transfer cassette is structured to retrievably store banknotes. The housing also includes a vault interface structured to couple to the portion of the vault. The housing also includes a housing transport apparatus structured to facilitate transporting banknotes to and from the transfer cassette via at least one of the transfer cassette interface or the vault interface.
    Type: Application
    Filed: November 22, 2023
    Publication date: March 28, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Frank DiGangi, Christian Mande, Dennis E. Montenegro, Darren M. Goetz
  • Publication number: 20240104531
    Abstract: Systems, methods, and apparatuses for generating a tokenized cash code include a provider computing system associated with a provider 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 signal from an external device indicating a monetary amount. The memory comprises a tokenize cash code circuit structured to generate a tokenized cash code associated with the monetary amount and structured for a redemption of the monetary amount at an ATM. The processing circuit is structured to transmit the tokenized cash code to a user of the external device.
    Type: Application
    Filed: August 13, 2019
    Publication date: March 28, 2024
    Inventors: Darren M. Goetz, Dennis E. Montenegro, Alicia Y. Moore, Timothy R. Ward
  • Patent number: 11935369
    Abstract: A computing system includes at least one processing circuit configured to receive first data from each cassette of a plurality of cassettes, determine, based on the first data, (i) a first location of a first cassette of the plurality of cassettes, (ii) that a fill level of the first cassette does not satisfy a threshold, and (iii) a first denomination of bills contained within the first cassette, identify a second cassette of the plurality of cassettes for replacing the first cassette based on the first location and the first denomination such that the second cassette is configured to receive and dispense bills of a similar denomination to the first cassette, and transmit a notification to a remote computing device, the notification indicating that the fill level of the first cassette does not satisfy the threshold and identifying the second cassette.
    Type: Grant
    Filed: April 3, 2023
    Date of Patent: March 19, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Christian Mande, Darren Goetz, Frank Digangi, Dennis E Montenegro
  • Patent number: 11935090
    Abstract: 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.
    Type: Grant
    Filed: August 4, 2022
    Date of Patent: March 19, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Darren M. Goetz, Dennis E. Montenegro, Alicia Y. Moore, Timothy R. Ward
  • Publication number: 20240086887
    Abstract: A method comprises receiving, by a provider institution computing system via a network, a cash level indicator from each of a plurality of customer payment systems, the customer payment systems receiving cash from customers of a plurality of stores. The method further comprises receiving, by the provider institution computing system via the network, a cash request from a user device of a user. The provider institution computing system selects one of the plurality of customer payment systems based on the cash level indicator and location data of a plurality of delivery agent devices of delivery agents. The method further comprises sending, by the provider institution computing system to a selected delivery agent device, a message comprising location data of the selected customer payment system, the selected delivery agent device being one of the plurality of delivery agent devices.
    Type: Application
    Filed: November 20, 2023
    Publication date: March 14, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Darren M. Goetz, Ashish B. Kurani, JoAnn Mar, Dennis E. Montenegro, Joseph Ng, Damodar Raval, Lisa Schur
  • Patent number: 11915540
    Abstract: A two-way cash recycler system includes a vault having a plurality of media cassettes, an first input/output panel having a first media aperture on a first side, a second input/output panel having a second media aperture on a second side, a transport system disposed between the first side and the second side. The transport system includes a pass-through pathway structured to transport transaction media between the first media aperture and the second media aperture, a concurrent use pathway structured to transport transaction media from at least one of the first media aperture and the second media aperture to the vault, and a dispense pathway structured to transport transaction media from the vault to at least one of the first media aperture and the second media aperture.
    Type: Grant
    Filed: March 19, 2021
    Date of Patent: February 27, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Christian Mande, Darren Goetz, Frank DiGangi, Dennis E. Montenegro
  • Publication number: 20240062473
    Abstract: A method for representing a visualization of assets includes receiving a request for a transfer of assets from an electronic computing device having augmented reality (AR) capabilities or virtual reality (VR) capabilities. The request includes a source account, a destination account, and a transfer amount. An image data is generated, which is representative of the transfer amount being transferred from the source account to the destination account. The image data is sent to an image generator of the electronic computing device to be displayed.
    Type: Application
    Filed: November 1, 2023
    Publication date: February 22, 2024
    Inventors: Marjorie Summit Anzalone, Andriy Fedorchuk, Jason Huang, Graham Linn, Dennis E. Montenegro, Matthew Pearce, Ramanathan Ramanathan, Debarchana Roy, Adam Smith-Kipnis
  • Patent number: 11910196
    Abstract: A method of authenticating a passcode entered by a user on an unstable electronic computing device. The method includes receiving an indication that an input is unstable, impacting the ability of a user to provide the input; generating a dynamic keyboard including at least one alphanumeric key, the dynamic keyboard being configured to address the unstable input; presenting the dynamic keyboard to the user; receiving the input from the user, the input comprising a selection of at least one alphanumeric character of a passcode on the dynamic keyboard; and authenticating the input received from the user by comparing the at least one alphanumeric character and a stored passcode.
    Type: Grant
    Filed: November 12, 2020
    Date of Patent: February 20, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Graham Linn, Marjorie Summit Anzalone, Andriy Fedorchuk, Robert Glenn Hamchuk, Jason Huang, Dennis E. Montenegro, Matthew Pearce, Ramanathan Ramanathan, Rajiv Ranjan, Debarchana Roy, Adam Benjamin Smith-Kipnis
  • Patent number: 11900753
    Abstract: A removable cassette housing for rebalancing bills among storage cassettes is disclosed. The removable cassette housing includes a first docking apparatus and a second docking apparatus structured to receive a first storage cassette and a second storage cassette, respectively, a transport apparatus operatively coupled to the docking apparatuses and a computing system. The transport apparatus is structured to facilitate transferring the bills among the storage cassettes. The computing system is structured to generate a first storage data packet and a second storage data packet associated with the first storage cassette and the second storage cassette, respectively. The computing system is also structured to generate a rebalancing instruction based on at least one of the first storage data packet and the second storage data packet. The cassette housing is structured to cause the transport apparatus to transport bills based on a rebalancing instruction.
    Type: Grant
    Filed: August 16, 2021
    Date of Patent: February 13, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Christian Mande, Darren Goetz, Frank Digangi, Dennis E. Montenegro
  • Patent number: 11887085
    Abstract: Examples described herein relate to apparatuses and methods for reducing an amount of time that a user of a drive-up banking system is exposed to outdoor environmental conditions. A method includes detecting, by a drive-up banking system, a presence of a vehicle proximate the drive-up banking system; projecting, by the drive-up banking system, a user interface onto a vehicle window such that the user interface is visible to the occupant of the vehicle; receiving, by the drive-up banking system, information indicative of an identity of the occupant of the vehicle; determining, by the drive-up banking system, an account corresponding to the occupant of the vehicle; requesting, by the user interface, transaction information; receiving, by the user interface, information indicative of the transaction information; and conducting, by the drive-up banking system, a transaction based on the transaction information.
    Type: Grant
    Filed: April 13, 2021
    Date of Patent: January 30, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Dennis E. Montenegro
  • Patent number: 11875343
    Abstract: Examples described herein relate to apparatuses and methods of providing automated teller machine (ATM) security. A method includes detecting, by the ATM, an intruder proximate the ATM using sensed detection information, determining intruder type information based on the sensed detection information, transmitting the intruder type information to a provider computing system, receiving an instruction to use a level of security defense measure based on the intruder type information, using the level of security defense measure, monitoring a movement of the intruder in response to the level of security defense measure, and in response to the movement of the intruder, determining whether to use an increased level of security defense measure.
    Type: Grant
    Filed: September 13, 2021
    Date of Patent: January 16, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Dennis E. Montenegro
  • Publication number: 20240013219
    Abstract: Systems, methods, and apparatuses described herein relate to a method for providing authentication with respect to a cash delivery request made by a customer using a customer user device of the customer. The method includes receiving at least one of security information or a first cash authentication code (CAC) from a cash dispenser machine. The cash dispenser machine obtains the security information or the first CAC from a first user device of a driver or the driver. The method includes authenticating the driver based on at least one of the security information or the first CAC. The method includes generating a second CAC. The method includes transmitting the second CAC to the first user device of the driver. The method includes authenticating the driver and the customer based on at least one of the security information or the second CAC.
    Type: Application
    Filed: September 25, 2023
    Publication date: January 11, 2024
    Inventors: Darren M. Goetz, Ashish B. Kurani, JoAnn Mar, Dennis E. Montenegro, Joseph Ng, Damodar Raval, Lisa Schur
  • Publication number: 20230409354
    Abstract: A method may include retrieving, from a data store, an environment template data file; parsing the environment template data file to identify: path data; an amount of events; and display location information with respect to each event in the amount of events; accessing a user profile identifying scheduled events for a user; for a first event in the scheduled events for the user, predicting using at least one processor, a set of decisions associated with the first event, and a set of impact determinations for each respective decision in the set of decisions; generating, using the processing device, a user interface based on the path data, the amount of events, the display location information, the set of decisions associated with the first event, and the set of impact determinations for each respective decision in the set of decisions; and presenting the user interface on a computing device of the user.
    Type: Application
    Filed: July 6, 2023
    Publication date: December 21, 2023
    Inventors: Rajeswaran Govindan, Margaret Seter Honeycutt, Wyman Yu, Jason V. Biala, Ryan Lee Hammond, Dennis E. Montenegro, Christopher Sipanya, Sergey Yamandiy, Miriam Felecia Clark, Jason Huang
  • Patent number: 11842445
    Abstract: A method for representing a visualization of assets includes receiving a request for a transfer of assets from an electronic computing device having augmented reality (AR) capabilities or virtual reality (VR) capabilities. The request includes a source account, a destination account, and a transfer amount. An image data is generated, which is representative of the transfer amount being transferred from the source account to the destination account. The image data is sent to an image generator of the electronic computing device to be displayed.
    Type: Grant
    Filed: October 28, 2020
    Date of Patent: December 12, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Marjorie Summit Anzalone, Andriy Fedorchuk, Jason Huang, Graham Linn, Dennis E. Montenegro, Matthew Pearce, Ramanathan Ramanathan, Debarchana Roy, Adam Smith-Kipnis
  • Patent number: 11842586
    Abstract: 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.
    Type: Grant
    Filed: December 6, 2021
    Date of Patent: December 12, 2023
    Inventors: Darren M. Goetz, Chris Kalaboukis, Lisa R. Magana, Andrew L. Martinez, Uma Meyyappan, Dennis E. Montenegro, Marla M. Pacis, Timothy R. Ward
  • Publication number: 20230385924
    Abstract: A smart table display system includes a display surface, an input/output device, and a processing circuit configured to receive financial data regarding a financial health of a user, generate a graphical user interface comprising a graphic that depicts the financial health of the user based on the financial data where the graphical user interface is for display on the display surface, receive sensor data regarding the user via the input/output device, continuously update the financial health of the user based on the sensor data, and cause the graphical user interface to update as the financial health of the user is updated.
    Type: Application
    Filed: August 3, 2023
    Publication date: November 30, 2023
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Kourtney Eidam, Darren M. Goetz, Dennis E. Montenegro
  • Patent number: 11830327
    Abstract: A housing facilitates a service operation for a transaction device. The housing is communicatively coupled to a housing control computing system. The housing includes a user interface comprising a first input/output (I/O) device that is communicatively coupled to the housing control computing system. The housing includes a transfer cassette interface structured to receive a transfer cassette that is structured to retrievably store banknotes. The housing also includes a media aperture interface structured to couple to a media aperture of the transaction device. The media aperture interface includes a first sensor structured to detect a parameter of the service operation. The media aperture interface also includes a transfer arm structured to facilitate transferring banknotes to and from the media aperture. The housing also includes a transport apparatus that facilitates transporting banknotes to and from the transfer cassette via the transfer cassette interface and/or the media aperture interface.
    Type: Grant
    Filed: October 8, 2021
    Date of Patent: November 28, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Frank DiGangi, Christian Mande, Dennis E. Montenegro, Darren M. Goetz