Patents by Inventor JoAnn Mar
JoAnn Mar 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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Patent number: 12210997Abstract: 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.Type: GrantFiled: February 20, 2023Date of Patent: January 28, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Darren M. Goetz, Julio Jiron, JoAnn Mar, Dennis E. Montenegro, Joseph Ng, Damodar Raval, Lisa Schur
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Patent number: 12045787Abstract: 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: GrantFiled: May 25, 2023Date of Patent: July 23, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Darren M. Goetz, Ashish B. Kurani, JoAnn Mar, Dennis E. Montenegro, Joseph Ng, Damodar Raval, Lisa Schur
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Publication number: 20240086887Abstract: 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: ApplicationFiled: November 20, 2023Publication date: March 14, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Darren M. Goetz, Ashish B. Kurani, JoAnn Mar, Dennis E. Montenegro, Joseph Ng, Damodar Raval, Lisa Schur
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Publication number: 20240013219Abstract: 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: ApplicationFiled: September 25, 2023Publication date: January 11, 2024Inventors: Darren M. Goetz, Ashish B. Kurani, JoAnn Mar, Dennis E. Montenegro, Joseph Ng, Damodar Raval, Lisa Schur
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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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Patent number: 11823164Abstract: 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: GrantFiled: October 22, 2019Date of Patent: November 21, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Darren M. Goetz, Ashish B. Kurani, Joann Mar, Dennis E. Montenegro, Joseph Ng, Damodar Raval, Lisa Schur
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Patent number: 11797959Abstract: Systems, methods, and apparatuses described herein relate to a method for delivering cash by an unmanned vehicle to a plurality of customers at different locations. The method includes receiving cash delivery requests from user devices of the plurality of customers via a communications network. The method includes determining a path for the unmanned vehicle from a current location of the unmanned vehicle to Global Position System (GPS) locations of the user devices of the plurality of customers. The method also includes instructing each of the plurality of compartments of a cash container of the unmanned vehicle to open in response to authenticating a corresponding customer of the plurality of customers or a corresponding user device of the user devices that generated a corresponding cash delivery request for which each of the plurality of compartments is storing cash.Type: GrantFiled: October 26, 2022Date of Patent: October 24, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Darren M. Goetz, Ashish B. Kurani, JoAnn Mar, Dennis E. 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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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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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: 11694173Abstract: 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: GrantFiled: March 31, 2022Date of Patent: July 4, 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: 11587014Abstract: 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.Type: GrantFiled: October 22, 2019Date of Patent: February 21, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Darren M. Goetz, Julio Jiron, JoAnn Mar, Dennis E. Montenegro, Joseph Ng, Damodar Raval, Lisa Schur
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Patent number: 11526861Abstract: Systems, methods, and apparatuses described herein relate to a method for delivering cash by an unmanned vehicle to a plurality of customers at different locations. The method includes receiving cash delivery requests from user devices of the plurality of customers via a communications network. The method includes determining a path for the unmanned vehicle from a current location of the unmanned vehicle to Global Position System (GPS) locations of the user devices of the plurality of customers. The method also includes instructing each of the plurality of compartments of a cash container of the unmanned vehicle to open in response to authenticating a corresponding customer of the plurality of customers or a corresponding user device of the user devices that generated a corresponding cash delivery request for which each of the plurality of compartments is storing cash.Type: GrantFiled: October 22, 2019Date of Patent: December 13, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Darren M. Goetz, Ashish B. Kurani, JoAnn Mar, Dennis E. Montenegro, Joseph Ng, Damodar Raval, Lisa Schur
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Patent number: 11341499Abstract: 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: October 22, 2019Date of Patent: May 24, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Darren M. Goetz, Ashish B. Kurani, JoAnn Mar, Dennis E. Montenegro, Joseph Ng, Damodar Raval, Lisa Schur
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Patent number: 11328275Abstract: 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: GrantFiled: October 22, 2019Date of Patent: May 10, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Darren M. Goetz, Ashish B. Kurani, JoAnn Mar, Dennis E. Montenegro, Joseph Ng, Damodar Raval, Lisa Schur