Patents by Inventor Dennis Montenegro
Dennis 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).
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Publication number: 20240104457Abstract: A method performed by a provider computing system includes training one or more artificial intelligence (AI) models to generate task prompts, receiving a requested action from a customer, determining contextual information about a plurality of customer devices, generating a task prompt using the one or more AI models, generating an interaction board accessible by the customer via a customer device and accessible by an employee via an employee device, receiving an indication that the customer pre-task has been completed prior to a customer interaction at a branch location, updating the interaction board to indicate that the customer pre-task has been completed prior to the customer interaction, receiving information associated with the requested action from the customer device during the customer interaction, and updating the interaction board to include the information received from the customer device during the customer interaction.Type: ApplicationFiled: December 11, 2023Publication date: March 28, 2024Applicant: WELLS FARGO BANK, N.A.Inventors: Nathan COLES, Darren M. GOETZ, Uma MEYYAPPAN, Dennis MONTENEGRO, Steve PEREZ, Debarchana ROY
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Publication number: 20240104985Abstract: 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: ApplicationFiled: December 7, 2023Publication date: March 28, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Darren Goetz, Chris Kalaboukis, Lisa Magana, Andrew Martinez, Uma Meyyappan, Dennis Montenegro, Marla Pacis, Timothy Ward
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Patent number: 11853933Abstract: Systems, methods, and apparatuses for completing an action requested by a customer are described herein. A requested action is received from the customer. A customer task for completion of the requested action to be performed by the customer is identified. An interaction board is generated that is accessible by the customer and accessible an employee associated with a provider. The interaction board is displayable via a graphical user interface and includes the customer task. An indication is received from the customer that the customer task has been completed prior to a customer interaction. The interaction board is updated to indicate that the customer task has been completed prior to the customer interaction. Information associated with the requested action is received from a customer device during the customer interaction. The interaction board is updated to include the information received from the customer device during the customer interaction.Type: GrantFiled: July 29, 2020Date of Patent: December 26, 2023Assignee: WELLS FARGO BANK, N.A.Inventors: Nathan Coles, Darren M. Goetz, Uma Meyyappan, Dennis Montenegro, Steve Perez, Debarchana Roy
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Publication number: 20230410172Abstract: Systems, methods and computer-readable storage media including an interactive surface including a transparent touchscreen and an imaging system, and one or more processors configured to initiate a user session based on detecting a session trigger. The one or more processors are further configured to receive, from the imaging system, a plurality of digital images taken when a document is on or proximate the interactive surface and identify an obstruction obstructing part of the document. The one or more processors are further configured to create a master digital image based on two or more images, generate a graphical representation of information contained in the master digital image, and provide the graphical representation to the first user device.Type: ApplicationFiled: August 3, 2023Publication date: December 21, 2023Applicant: Wells Fargo Bank, N.A.Inventors: Darren Goetz, Dennis Montenegro, Kourtney Eidam
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Publication number: 20230410069Abstract: A system includes a lock box and a piggy bank comprising a network interface and a processing circuit, where the network interface is configured to facilitate data communication with a user device via a network, the processing circuit comprises a processor and a memory, and the processing circuit is configured to receive, from an input device of the lock box, a first user input from a first user setting an authentication factor for opening the lock box, prompt a second user to provide the authentication factor, receive a second user input from the input device, compare the second user input with the authentication factor inputted by the first user to determine that the second user is authorized to access the lock box, unlock the lock box, and transmit to the user device associated with the first user a notification indicating that the lock box has been unlocked.Type: ApplicationFiled: August 30, 2023Publication date: December 21, 2023Applicant: WELLS FARGO BANK, N.A.Inventors: Dennis Montenegro, Darren M. Goetz, John A. Kobuchi, JoAnn Mar, Jake Teitelbaum
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Publication number: 20230394394Abstract: A system includes a provider computing system associated with a provider and configured to communicate with an employee device via a network, the provider computing system comprising a processing circuit including one or more processors and memory, the processing circuit configured to determine a dual custody activity to be performed or being in the process of being performed by an employee associated with the employee device, provide real-time instructions to the employee device while the employee performs the task where the real-time instructions are provided via an augmented reality (AR) overlay, monitor the employee while the employee performs the task by receiving monitoring information, detect based on the monitoring information that suspicious activity has occurred while the employee performs the task, and update the AR overlay based on the detected suspicious activity.Type: ApplicationFiled: August 3, 2023Publication date: December 7, 2023Applicant: WELLS FARGO BANK, N.A.Inventors: Nathan COLES, Darren M. GOETZ, Uma MEYYAPPAN, Dennis MONTENEGRO, Steve PEREZ, Debarchana ROY
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Publication number: 20230386304Abstract: A utility device for receiving and dispensing bills is disclosed. The utility device includes a sensor structured to detect at least one parameter associated with the bills received by the utility device, a cleaning component structured to perform a cleaning operation on one or more of the bills received by the utility device, and memory having instructions stored thereon that, when executed by one or more processors, cause the one or more processors to perform a utility operation comprising receiving data from the sensor regarding the at least one parameter, and selectively causing the cleaning component to perform the cleaning operation on one or more of the bills received by the utility device from a cash-bearing component based on at least the data and a location of the utility device.Type: ApplicationFiled: August 9, 2023Publication date: November 30, 2023Applicant: Wells Fargo Bank, N.A.Inventors: Christian Mande, Darren Goetz, Frank Digangi, Dennis Montenegro
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Publication number: 20230385012Abstract: A system includes an interactive surface of a smart table, a plurality of smart headsets, and a processing circuit configured to detect a session trigger event and initiate a user session based on detecting the session trigger event. The processing circuit is further configured to generate and provide graphical user interfaces to each of the plurality of smart headsets. The processing circuit is further configured to update a first graphical user interface including a first content for a first smart headset of the plurality of smart headsets and update a second graphical user interface including a second content for a second smart headset of the plurality of smart headsets.Type: ApplicationFiled: August 8, 2023Publication date: November 30, 2023Applicant: Wells Fargo Bank, N.A.Inventors: Kourtney Eidam, Darren Goetz, Dennis Montenegro
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Publication number: 20230386286Abstract: A system includes a housing computing system comprising one or more processors and memory storing instructions that, when executed by the one or more processors, cause the housing computing system to perform operations comprising generating a first storage data packet comprising information about banknotes stored in a first universal cassette docked with a universal cassette housing, generating a second storage data packet comprising information about banknotes stored in a second universal cassette docked with the universal cassette housing, transmitting the first storage data packet and the second storage data packet to a provider computing system, receiving from the provider computing system rebalancing data based on at least one of the first storage data packet or the second storage data packet, and causing a transport apparatus to initiate a transfer based on the rebalancing data to transfer a set of banknotes from the first universal cassette to the second universal cassette.Type: ApplicationFiled: August 9, 2023Publication date: November 30, 2023Applicant: Wells Fargo Bank, N.A.Inventors: Christian Mande, Darren Goetz, Frank Digangi, Dennis Montenegro
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Publication number: 20230334509Abstract: A system includes a tabletop display and one or more processors coupled to a non-transitory computer-readable medium storing instructions that, when executed by the one or more processors, cause the one or more processors to pair with a customer device associated with a customer, cause an image comprising sensitive customer information to be displayed on the tabletop display and cause at least a portion of the sensitive customer information to be simultaneously displayed on the paired customer device, receive a security trigger event, and cause the sensitive customer information to be obscured on the tabletop display based on receiving the security trigger event.Type: ApplicationFiled: June 20, 2023Publication date: October 19, 2023Applicant: Wells Fargo Bank, N.A.Inventors: Darren Goetz, Dennis Montenegro, Kourtney Eidam
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Publication number: 20230326280Abstract: A host device comprising an input/output (I/O) port, a first sensor, and a non-transitory computer-readable medium comprising instructions stored thereon that, when executed by one or more processors, cause the one or more processors to determine a cassette is docked with the host device, receive a transaction request requiring a specific denomination for dispensing, cause a picker system of the cassette to retrieve a target bill from a storage position of a bill storage component of the cassette based on the specific denomination for the transaction request and a storage position for a bill matching the specific denomination where the cassette is configured to generate a bill list comprising bill information for each bill of the plurality of bills including a respective denomination and the storage position for each bill, and cause the I/O port to dispense the target bill.Type: ApplicationFiled: May 26, 2023Publication date: October 12, 2023Applicant: Wells Fargo Bank, N.A.Inventors: Christian Mande, Darren Goetz, Frank DiGangi, Dennis Montenegro
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Patent number: 11769153Abstract: 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: GrantFiled: May 23, 2022Date of Patent: September 26, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Darren M. Goetz, Ashish B. Kurani, JoAnn Mar, Dennis Montenegro, Joseph Ng, Damodar Raval, Lisa Schur
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Patent number: 11769126Abstract: Systems and methods for an account-linked piggy bank are described. The system includes a piggy bank comprising a compartment, a lid, a sensor, a lock, a network interface, and a processing circuit. The processing circuit is configured to associate the piggy bank with a first account of a user. The processing circuit is further configured to receive, decoded coin data from an encodable physical coin, wherein the decoded coin data includes a transaction request indicating a currency amount to be transferred to the first account from a second account. The processing circuit is configured to transmit the transaction request to a provider computing system. The processing circuit is further configured to receive a transaction request confirmation from the provider computing system and transmit a notification to a user device of the user indicating the currency amount has been deposited into the first account of the user.Type: GrantFiled: December 7, 2020Date of Patent: September 26, 2023Assignee: WELLS FARGO BANK, N.A.Inventors: Dennis Montenegro, Darren M. Goetz, John A. Kobuchi, JoAnn Mar, Jake Teitelbaum
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Publication number: 20230298426Abstract: A system includes a cassette including a bill storage component to retrievably store the plurality of bills, and a picker system to retrieve one or more bills stored in the bill storage component. The system further includes memory and one or more processors communicatively coupled to the cassette, the memory having instructions that, when executed by the one or more processors, cause the one or more processors to generate a bill list comprising bill information for each bill of the plurality of bills stored by the bill storage component where the bill information includes a denomination and a storage position of each of the plurality of bills, receive a transaction request, identify a storage position of a target bill from the bill list for dispensing based on the transaction request and a denomination of the target bill, and cause the picker system to retrieve the target bill for dispensing.Type: ApplicationFiled: May 23, 2023Publication date: September 21, 2023Applicant: Wells Fargo Bank, N.A.Inventors: Christian Mande, Darren Goetz, Frank DiGangi, Dennis Montenegro
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Publication number: 20230297981Abstract: 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.Type: ApplicationFiled: May 25, 2023Publication date: September 21, 2023Applicant: Wells Fargo Bank, N.A.Inventors: Darren Goetz, Ashish B. Kurani, JoAnn Mar, Dennis MONTENEGRO, Joseph Ng, Damodar Raval, Lisa Schur
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Patent number: 11741517Abstract: Systems, methods and computer-readable storage media including an interactive surface, a plurality of cameras, a network circuit, and a processing circuit configured to receive an indication of a customer device. The processing circuit is further configured to authenticate the customer. The processing circuit is further configured to determine that a document associated with the customer is on or proximate the interactive surface. The processing circuit is further configured to receive a plurality of digital images. The processing circuit is further configured to create a master digital image. The processing circuit is further configured to save the master digital image. The processing circuit is further configured to update the account of the customer. The processing circuit is further configured to update the account of the customer generate and provide a graphical representation.Type: GrantFiled: October 26, 2020Date of Patent: August 29, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Kourtney Eidam, Darren Goetz, Dennis Montenegro
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Patent number: 11740853Abstract: Systems, methods and computer-readable storage media including an interactive surface including a touchscreen and a plurality of interactive surface sensor devices, a plurality of smart headsets including a transparent display and a plurality of smart headset sensor devices, each of the smart headsets configured to be respectively worn by an individual, and a processing circuit configured to generate graphical user interfaces for each of the smart headsets. The processing circuit is further configured to provide the graphical user interfaces to each of the smart headsets. The processing circuit is further configured to receive sensor device data. The processing circuit is further configured to update, in response to receiving the sensor device data, a first graphical user interface for a first smart headset. The processing circuit is further configured to update a second graphical user interface for a second smart headset.Type: GrantFiled: October 26, 2020Date of Patent: August 29, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Kourtney Eidam, Darren Goetz, Dennis Montenegro
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Patent number: 11741796Abstract: A utility device for receiving and dispensing bills is disclosed. The utility device includes a sensor structured to detect at least one parameter associated with the bills received by the utility device, a cleaning component structured to perform a cleaning operation on one or more of the bills received by the utility device, and memory having instructions stored thereon that, when executed by one or more processors, cause the one or more processors to perform a utility operation comprising receiving data from the sensor regarding the at least one parameter, and selectively causing the cleaning component to perform the cleaning operation on one or more of the bills received by the utility device from a cash-bearing component based on at least the data and a location of the utility device.Type: GrantFiled: August 15, 2022Date of Patent: August 29, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Christian Mande, Darren Goetz, Frank Digangi, Dennis Montenegro
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Patent number: 11741774Abstract: A cassette housing for rebalancing bills among storage cassettes is disclosed. The cassette housing is fixedly and operably coupled to a transaction device and includes docking apparatus structured to receive a first storage cassette and a second storage cassette, a transport apparatus operatively coupled to the docking apparatuses and a housing computing system. The transport apparatus is structured to facilitate transferring the bills among the storage cassettes. The housing 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. A rebalancing instruction may be generated by a remote computing system based on 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: GrantFiled: August 16, 2021Date of Patent: August 29, 2023Assignee: WELLS FARGO BANK, N.A.Inventors: Christian Mande, Darren Goetz, Frank Digangi, Dennis Montenegro
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Patent number: 11720836Abstract: Systems, methods, and apparatuses for securely completing a dual custody activity are described herein. A security activity management system comprises a network, an employee device, a supervising employee device, and a provider computing system. The provider computing system is associated with a provider. The provider computing system comprises a processing circuit structured to identify a plurality of employees eligible for performing a task based employee rankings of the plurality of employees and transmit an indication of the plurality of employees eligible for performing the task to a supervising employee via an augmented reality to be displayed on the supervising employee device. The processing circuit is further structured to receive a selection indicating an employee that is associated with the employee device to perform the dual custody activity, authorize the employee to perform the task, and monitor the employee while the employee performs the task.Type: GrantFiled: July 29, 2020Date of Patent: August 8, 2023Assignee: WELLS FARGO BANK, N.A.Inventors: Nathan Coles, Darren M. Goetz, Uma Meyyappan, Dennis Montenegro, Steve Perez, Debarchana Roy