US 12,014,340 B2
Systems and methods for completing transactions via lockable boxes
Darren M. Goetz, Salinas, CA (US); Miranda C. Hill, Seattle, WA (US); Dennis E. Montenegro, Concord, CA (US); Alicia Y. Moore, San Ramon, CA (US); Susan Symons, San Francisco, 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 10, 2023, as Appl. No. 18/195,874.
Application 18/195,874 is a continuation of application No. 17/723,395, filed on Apr. 18, 2022, granted, now 11,704,638.
Application 17/723,395 is a continuation of application No. 16/199,048, filed on Nov. 23, 2018, granted, now 11,308,466.
Application 16/199,048 is a continuation of application No. 15/796,217, filed on Oct. 27, 2017, granted, now 11,348,076.
Application 15/796,217 is a continuation in part of application No. 15/466,706, filed on Mar. 22, 2017, granted, now 11,341,502.
Claims priority of provisional application 62/523,116, filed on Jun. 21, 2017.
Claims priority of provisional application 62/318,054, filed on Apr. 4, 2016.
Prior Publication US 2023/0289756 A1, Sep. 14, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/10 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G07F 19/00 (2006.01); G06F 3/0482 (2013.01)
CPC G06Q 20/108 (2013.01) [G06Q 20/381 (2013.01); G06Q 20/40 (2013.01); G07F 19/00 (2013.01); G06F 3/0482 (2013.01)] 14 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, by a provider computing system of a provider, a first lockbox transaction order associated with an account of the provider from a first user device, the first lockbox transaction order including a first requested transaction and a desired transaction location;
validating, by the provider computing system, whether the first requested transaction can be completed at the desired transaction location;
determining, by the provider computing system based on determining that the first lockbox transaction order cannot be completed at the desired transaction location, a physical lockbox associated with the provider from a plurality of physical lockboxes at an alternative lockbox transaction location;
transmitting, by the provider computing system, an indication to the first user device indicating that the first requested transaction can be completed at the alternative lockbox transaction location;
preparing the physical lockbox for the first requested transaction; and
authenticating, by the provider computing system, a first user at the physical lockbox, wherein the first user is a first account holder of the provider, wherein authenticating the first user at the physical lockbox enables the physical lockbox to unlock and become accessible by the first user;
receiving, by the provider computing system, a second lockbox transaction order from a second user device associated with a second account holder of the provider, the second lockbox transaction order including a second requested transaction;
determining, by the provider computing system, a second authorization level of at least one of the second user device and the second lockbox transaction order, the second authorization level being different from a first authorization level associated with at least one of the first user device and the first account holder;
verifying, by the provider computing system, that an attribute of the second lockbox transaction order conforms to the second authorization level;
preparing the physical lockbox for the second requested transaction;
authenticating, by the provider computing system, the second user at the physical lockbox, wherein authenticating the second user at the physical lockbox enables the physical lockbox to unlock and become accessible by the second user; and
causing, by the provider computing system, a camera to record activity associated with the physical lockbox upon at least one of authenticating the first user at the physical lockbox or authenticating the second user at the physical lockbox.