IP Library Granted Patent US 12,046,112
Granted Patent B1
US 12,046,112 · App. 18/150,513 · Granted Jul 23, 2024

Threat monitoring and notifications

Inventors: Jennifer Stacey Borchardt (San Francisco, CA); Adam Clifford Christensen (Moraga, CA); Charles Cowell (Dublin, CA); Eduardo DeLa Torre (Oakland, CA); Darren M. Goetz (Salinas, CA); Eric David Greene (Greene, CA); Robert Glenn Hamchuk (San Jose, CA); Miranda C. Hill (Seattle, WA); Pey-Ning Huang (San Francisco, CA); Orsolya Oldroyd (Walnut Creek, CA); Paul Vittimberga (Oakland, CA)
Assignee: Wells Fargo Bank, N.A.
G07G3/006G07F19/2055G07G1/0009
View Patent ↗
Loading inventors, assignments & file history…
Monitor This Case
Get email alerts when status or documents change.
Order Certified Copies
Most orders are placed with the USPTO same day — all within 24 business hours.
Order via The Patent Place →
Pre-filled with this patent's details
Quick Facts
Patent No.
US 12,046,112
App. No.
18/150,513
Granted
Jul 23, 2024
Kind
B1
Abstract

A system for monitoring financial threats includes: at least one central processing unit and system memory that causes the system to: receive information about a threat associated with a financial services device; identify a type of the threat; identify a location associated with the threat; and notify one or more customers associated with the financial services device based upon the type or the location of the threat.

Claims (32)

1. A system for monitoring financial threats, the system comprising:

at least one central processing unit; and

a system memory encoding instructions which, when executed by the at least one central processing unit, cause the system to:

receive information that identifies a threat associated with an automated teller machine owned by a third party;

identify a customer who might be impacted by the threat; and

provide, by a computing device, a notification to the customer of the threat.

2. The system of claim 1 , wherein the notification is a toast notification.

3. The system of claim 1 , wherein the notification identifies the automated teller machine.

4. The system of claim 1 , wherein the notification provides actionable information for the customer.

5. The system of claim 4 , wherein the notification identifies an alternative automated teller machine.

6. The system of claim 5 , wherein the system memory encodes further instructions that, when executed by the at least one central processing unit, cause the system to provide a map listing the alternative automated teller machine based upon a current customer location.

7. The system of claim 1 , wherein the system memory encodes further instructions that, when executed by the at least one central processing unit, cause the system to:

identify the automated teller machine in the notification; and

provide a map listing an alternative automated teller machine based upon a current customer location.

8. The system of claim 7 , wherein the notification is a toast notification.

9. The system of claim 1 , wherein the system memory encodes further instructions that, when executed by the at least one central processing unit, cause the system to freeze an account of the customer.

10. The system of claim 1 , wherein the system memory encodes further instructions that, when executed by the at least one central processing unit, cause the system to close an account of the customer.

11. A method for monitoring financial threats, comprising:

receiving information that identifies a threat associated with an automated teller machine;

identifying a customer who might be impacted by the threat; and

providing, by a computing device, a notification to the customer of the threat.

12. The method of claim 11 , wherein the notification is a toast notification.

13. The method of claim 11 , wherein the notification identifies the automated teller machine.

14. The method of claim 11 , wherein the notification provides actionable information for the customer.

15. The method of claim 14 , wherein the notification identifies an alternative automated teller machine.

16. The method of claim 15 , further comprising providing a map listing the alternative automated teller machine based upon a current customer location.

17. The method of claim 11 , further comprising:

identifying the automated teller machine in the notification; and

providing a map listing an alternative automated teller machine based upon a current customer location.

18. The method of claim 17 , wherein the notification is a toast notification.

19. The method of claim 11 , further comprising freezing an account of the customer.

20. The method of claim 11 , further comprising closing an account of the customer.

Assignments (2)
STATEMENT OF CHANGE OF ADDRESS OF ASSIGNEE Recorded Jun 17, 2025
From: WELLS FARGO BANK, N.A.
To: WELLS FARGO BANK, N.A.
Reel/Frame 071679/0784 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jan 5, 2023
From: BORCHARDT, JENNIFER STACEY; CHRISTENSEN, ADAM CLIFFORD; COWELL, CHARLES; DELA TORRE, EDUARDO; GOETZ, DARREN M.; GREENE, ERIC DAVID; HAMCHUK, ROBERT GLENN; HILL, MIRANDA C.; HUANG, PEY-NING; OLDROYD, ORSOLYA; VITTIMBERGA, PAUL
To: WELLS FARGO BANK, N.A.
Reel/Frame 062286/0499 →
Continuity (2)
Continuation 17071323 · Oct 15, 2020
Continuation 15485548 · Apr 12, 2017