US 12,125,009 B1
Systems and methods for remote ATM access
Miranda C. Hill, Seattle, WA (US); Alicia Y. Moore, San Ramon, CA (US); Steven E. Puffer, Champlin, MN (US); Jerome Rhodes, Hayward, CA (US); Susan Symons, San Francisco, CA (US); Michael R. Thomas, San Francisco, CA (US); and Young M. Yang, 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. 6, 2022, as Appl. No. 17/833,730.
Application 17/833,730 is a continuation of application No. 15/396,360, filed on Dec. 30, 2016, granted, now 11,354,632.
Application 15/396,360 is a continuation of application No. 15/377,311, filed on Dec. 13, 2016, granted, now 11,354,631.
Claims priority of provisional application 62/317,322, filed on Apr. 1, 2016.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/10 (2012.01); G06K 7/10 (2006.01); G06Q 20/32 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G07F 19/00 (2006.01); H04L 67/52 (2022.01); H04W 4/02 (2018.01); H04W 76/10 (2018.01)
CPC G06Q 20/1085 (2013.01) [G06K 7/10712 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/3224 (2013.01); G06Q 20/385 (2013.01); G06Q 20/4014 (2013.01); G06Q 20/4015 (2020.05); G06Q 20/4037 (2013.01); G07F 19/203 (2013.01); G07F 19/207 (2013.01); H04L 67/52 (2022.05); H04W 4/02 (2013.01); H04W 76/10 (2018.02)] 20 Claims
OG exemplary drawing
 
1. A system comprising:
a customer database that stores user information regarding a plurality of customers;
a network interface configured to communicate data over a network; and
a processing circuit comprising a processor and a memory, the memory structured to store instructions that are executable by the processor and cause the processing circuit to:
receive, from a customer computing device, a first indication that a customer is within a first predetermined distance of a drive-through area, wherein the first predetermined distance is associated with the drive-through area, the drive-through area associated with an automated teller machine (ATM);
transmit, based on the first indication, an authorization signal to the customer computing device, the authorization signal configured to activate an ATM pre-stage function of an application implemented on the customer computing device to pre-stage an ATM transaction;
receive a second indication that the customer is within a second predetermined distance of the ATM in the drive-through area, wherein the second predetermined distance is defined by a broadcast range associated with the ATM, wherein the second predetermined distance is within the first predetermined distance;
transmit, based on the received second indication and by the network interface over the network, transaction information regarding the ATM transaction to the ATM; and
authorize the ATM transaction at the ATM in the drive-through area based on the transaction information.