US 11,900,452 B1
Systems and methods for collateral deposit identification
Peter Ho, Walnut Creek, CA (US); Robin Lo, San Francisco, CA (US); and Lisa M. Schur, San Francisco, 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 Jun. 14, 2021, as Appl. No. 17/346,906.
Application 17/346,906 is a continuation of application No. 15/796,126, filed on Oct. 27, 2017, granted, now 11,049,180.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/00 (2023.01); G06Q 40/03 (2023.01); G06Q 20/40 (2012.01)
CPC G06Q 40/03 (2023.01) [G06Q 20/4014 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computing system, comprising:
a network interface configured to communicate data over a network; and
a processing circuit comprising one or more processors coupled to a non-transitory memory, wherein the processing circuit is configured to:
receive, from a user computing device, via a website or software application running on the user computing device, a first request to apply for secured credit;
generate a passcode corresponding to the first request, the passcode having an expiration time determined based on the first request;
transmit the passcode to the user computing device;
receive a second request to complete the first request to apply for the secured credit from an automated teller machine (ATM), the second request comprising the passcode;
responsive to identifying the first request for the secured credit based on the passcode and determining that the passcode is active based on the expiration time, transmit, to the ATM, a collateral request for the secured credit, causing the ATM to display a graphical user interface including an element that, when interacted with, causes the ATM to accept a check corresponding to a collateral deposit;
receive, from the ATM, a message acknowledging the collateral deposit, the message generated by the ATM responsive to the ATM accepting the check corresponding to the collateral deposit;
determine that the collateral deposit satisfies the collateral request for the secured credit; and
transmit, to the user computing device or to the ATM, a notification indicating that the first request has been approved.