US 12,223,478 B1
Systems and methods for automated teller machine replenishing and merchant operations
Keith Clithero, Charlotte, NC (US); Darren M. Goetz, Salinas, CA (US); Margaret Honeycutt, Crockett, CA (US); Dennis E. Montenegro, Concord, CA (US); Pankaj Parekh, San Francisco, CA (US); Ashleigh Raynes, Charlotte, NC (US); and Dominik Vltavsky, Belmont, CA (US)
Assigned to Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed by Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed on Nov. 12, 2021, as Appl. No. 17/525,460.
Int. Cl. G06Q 20/10 (2012.01); G07F 19/00 (2006.01)
CPC G06Q 20/1085 (2013.01) [G07F 19/20 (2013.01)] 18 Claims
OG exemplary drawing
 
10. A computer-implemented method, the computer-implemented method comprising:
establishing, by one or more processing circuits of an automated teller machine (ATM) a continuous active communication session with a user device based on a location of the user device being within a threshold distance of the ATM, wherein the continuous active communication session is established via at least one short-range wireless communication between the user device and the one or more processing circuits of the ATM, and wherein the continuous active communication session remains active based on the location of the user device being within the threshold distance of the ATM;
receiving, by the one or more processing circuits of the ATM via the continuous active communication session and from the user device, a merchant voucher distributed by a merchant, wherein the merchant voucher comprises a voucher state and a voucher type, and wherein the merchant voucher is in a deactivated voucher state and is associated with a selection received from the user device;
in response to receiving the merchant voucher, initiating, by the one or more processing circuits of the ATM, an ATM session;
determining, by the one or more processing circuits of the ATM, a value of the merchant voucher;
presenting, by the one or more processing circuits of the ATM, during the continuous active communication session, via a display interface of the ATM a graphical user interface (GUI), a request for the determined value;
receiving, by the one or more processing circuits of the ATM, a deposit of physical currency corresponding to the determined value of the merchant voucher;
encrypting, by the one or more processing circuits of the ATM, information regarding the merchant voucher using a private key of a public and private key pair of the ATM;
converting, by the one or more processing circuits of the ATM, the merchant voucher to at least one of a token or a code, the at least one of the token or the code being embedded with an indicator corresponding to the determined value, the encrypted information regarding the merchant voucher, and a unique identifier, wherein converting the merchant voucher further comprises updating the voucher state of the merchant voucher to an activated voucher state;
receiving, by the one or more processing circuits of the ATM via the continuous active communication session and from the user device, an indication of a voucher redemption from the merchant based on a processing of the converted merchant voucher by the merchant;
transmitting, by the one or more processing circuits of the ATM via the continuous active communication session and to the user device, the at least one of the token or the code and a direction notification comprising at least one direction to a location of the merchant;
updating, by the one or more processing circuits of the ATM, a ledger of the merchant in response to transmitting the at least one of the token or the code to the user device;
updating, by the one or more processing circuits of the ATM, the voucher state of the merchant voucher to a redeemed voucher state; and
in response to updating the voucher state, releasing, by the one or more processing circuits of the ATM, an escrowed deposit to an account of the merchant on the ledger.