US 12,437,336 B1
Real-time currency exchange system
Frank Digangi, San Francisco, CA (US); Carrie Anne Hanson, Charlotte, NC (US); Jonathan Austin Hartsell, Mooresville, NC (US); and Daniel Sanford, Charlotte, NC (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. 27, 2022, as Appl. No. 17/850,619.
Application 17/850,619 is a division of application No. 17/039,382, filed on Sep. 30, 2020, granted, now 11,373,239.
Int. Cl. G06Q 40/04 (2012.01); G01C 21/00 (2006.01); G06F 16/903 (2019.01); G06Q 20/20 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06Q 30/018 (2023.01); G06Q 30/08 (2012.01); G07C 9/00 (2020.01); G06V 40/70 (2022.01)
CPC G06Q 40/04 (2013.01) [G01C 21/3811 (2020.08); G01C 21/3885 (2020.08); G06F 16/90335 (2019.01); G06Q 20/202 (2013.01); G06Q 20/206 (2013.01); G06Q 20/383 (2013.01); G06Q 20/40145 (2013.01); G06Q 30/0185 (2013.01); G06Q 30/08 (2013.01); G07C 9/00563 (2013.01); G06V 40/70 (2022.01)] 17 Claims
OG exemplary drawing
 
1. A system comprising:
a network interface circuit configured to facilitate data transmission over a network; and
a processing circuit comprising one or more processors coupled to non-transitory memory, wherein the processing circuit is configured to:
receive a physical currency transaction request from a first user device, the physical currency transaction request including one or more currency exchange transaction parameters and a priority value corresponding to each of the one or more currency exchange transaction parameters, wherein the one or more currency exchange transaction parameters comprises a distance that a user of the first user device is willing to travel for a currency exchange;
receive secure information from the first user device that is accessed using one or more private keys that are unique to the first user device;
geo-fence an area based on at least one of the one or more currency exchange transaction parameters or a current location of the first user device;
match the physical currency transaction request to another physical currency transaction request based at least in part on the secure information, the one or more currency exchange transaction parameters including the distance that the user is willing to travel, and the priority value corresponding to each of the one or more currency exchange transaction parameters;
determine that a current location of a second user device associated with the another physical currency transaction request is within the geo-fenced area;
provide the physical currency transaction request to the second user device based on the current location of the second user device being within the geo-fenced area;
determine a physical exchange location within the geo-fenced area based on the matched physical currency transaction request and the another physical currency transaction request, wherein the physical exchange location is within the distance that the user is willing to travel; and
provide instructions to the first user device and the second user device for the currency exchange based on the determined physical exchange location.