US 12,271,936 B2
Electronic layaway
Darren M. Goetz, Salinas, CA (US); Dennis E. Montenegro, Concord, CA (US); Alicia Y. Moore, San Ramon, CA (US); and Timothy R. Ward, Mesa, AZ (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 May 7, 2024, as Appl. No. 18/657,539.
Application 18/209,409 is a division of application No. 16/656,457, filed on Oct. 17, 2019, granted, now 11,410,215.
Application 18/657,539 is a continuation of application No. 18/209,409, filed on Jun. 13, 2023, granted, now 12,014,406.
Application 18/657,539 is a continuation of application No. 17/882,162, filed on Aug. 5, 2022, granted, now 11,720,876.
Prior Publication US 2024/0296488 A1, Sep. 5, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 30/00 (2023.01); G06Q 20/10 (2012.01); G06Q 20/28 (2012.01); G06Q 30/0601 (2023.01); G06Q 40/02 (2023.01)
CPC G06Q 30/0613 (2013.01) [G06Q 20/10 (2013.01); G06Q 20/1085 (2013.01); G06Q 20/28 (2013.01); G06Q 30/0607 (2013.01); G06Q 30/0609 (2013.01); G06Q 30/0619 (2013.01); G06Q 40/02 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computing system, comprising:
a database; and
at least one processor and at least one program logic stored in at least one memory and executed by the at least one processor, the at least one program logic, when executed, configured to cause the at least one processor to:
receive, from an entity computing system, a request related to a layaway transaction of a user;
in response to receiving the request, automatically facilitate initiation of a layaway deposit account, wherein facilitating initiation of the layaway deposit account comprises:
associating the layaway deposit account with a user profile stored in the database;
generating a link between the layaway deposit account and a physical card number;
generating a rule that governs the physical card number; and
associating the rule with the physical card number; and
receive, from an automated teller machine (ATM), a transaction request that complies with the rule associated with the physical card number.