Patents by Inventor Lisa Schur

Lisa Schur 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).

  • 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
  • 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
  • Patent number: 11823164
    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: Grant
    Filed: October 22, 2019
    Date of Patent: November 21, 2023
    Assignee: 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: 11797959
    Abstract: 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: Grant
    Filed: October 26, 2022
    Date of Patent: October 24, 2023
    Assignee: 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: 11769153
    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: Grant
    Filed: May 23, 2022
    Date of Patent: September 26, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Darren M. Goetz, Ashish B. Kurani, JoAnn Mar, Dennis Montenegro, Joseph Ng, Damodar Raval, Lisa Schur
  • Publication number: 20230297981
    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.
    Type: Application
    Filed: May 25, 2023
    Publication date: September 21, 2023
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Darren Goetz, Ashish B. Kurani, JoAnn Mar, Dennis MONTENEGRO, Joseph Ng, Damodar Raval, Lisa Schur
  • Patent number: 11694173
    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.
    Type: Grant
    Filed: March 31, 2022
    Date of Patent: July 4, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Darren M. Goetz, Ashish B. Kurani, JoAnn Mar, Dennis Montenegro, Joseph Ng, Damodar Raval, Lisa Schur
  • Patent number: 11587014
    Abstract: 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: Grant
    Filed: October 22, 2019
    Date of Patent: February 21, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Darren M. Goetz, Julio Jiron, JoAnn Mar, Dennis E. Montenegro, Joseph Ng, Damodar Raval, Lisa Schur
  • Patent number: 11526861
    Abstract: 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: Grant
    Filed: October 22, 2019
    Date of Patent: December 13, 2022
    Assignee: 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: 11341499
    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: Grant
    Filed: October 22, 2019
    Date of Patent: May 24, 2022
    Assignee: 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: 11328275
    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.
    Type: Grant
    Filed: October 22, 2019
    Date of Patent: May 10, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Darren M. Goetz, Ashish B. Kurani, JoAnn Mar, Dennis E. Montenegro, Joseph Ng, Damodar Raval, Lisa Schur