Granted Patent B2

US 12,548,020 · App. 18/629,146 · Granted Feb 10, 2026

Inventor: Ashish B. Kurani (Hillsborough, CA)

Assignee: Wells Fargo Bank, N.A.

G06Q20/4012G06Q20/102G06Q20/1085G06Q20/18G06Q20/3226

Abstract

Claims (68)

1 . A method comprising:

generating, by a provider computing system associated with a provider, a passcode;

transmitting, by the provider computing system, the passcode to a third party computing system;

receiving, at a transaction machine associated with the provider, a request for payment of a bill issued by a third party to a third party customer;

generating, by the transaction machine, a user interface to receive a passcode input;

receiving, by the transaction machine, the passcode input;

activating, by the transaction machine and based on the passcode input, a cash deposit mechanism of the transaction machine, the activated cash deposit mechanism configured to receive a cash deposit;

receiving, by the transaction mechanism of the transaction machine, the cash deposit;

generating, by the transaction machine, a plurality of graphical user interfaces (GUIs) comprising a plurality of notifications, each GUI of the plurality of GUIs comprising at least one notification associated with the bill;

determining, by the transaction machine and based on the cash deposit, a sequence of the plurality of GUIs comprising the plurality of notifications associated with the bill;

adjusting, by the transaction machine, the sequence of the plurality of GUIs comprising the plurality of notifications based on at least one of: one or more user actions or a type of the bill being paid; and

transmitting, by the transaction machine and using the determined sequence of the plurality of GUIs comprising the plurality of notifications, a payment notification to the third party computing system associated with the bill.

2 . The method of claim 1 , wherein the third party customer does not hold an account with the provider.

3 . The method of claim 1 , further comprising receiving, by the transaction machine, a payment amount associated with the passcode for deposit at the transaction machine from the third party computing system.

4 . The method of claim 1 , further comprising receiving, by the transaction machine, a payment amount associated with the passcode for deposit at the transaction machine by accessing a database using the passcode and retrieving the payment amount associated with the passcode from the database.

5 . The method of claim 1 , further comprising generating a user interface comprising cash deposit information including a payment amount.

6 . The method of claim 1 , wherein the user interface is a first user interface, the method further comprising:

displaying, by the transaction machine and subsequent to receiving the cash deposit, a second user interface on a display of the transaction machine, the second user interface including at least one image of a denomination of currency corresponding to the cash deposit received.

7 . The method of claim 1 , wherein the cash deposit comprises one or more bills, the method further comprising:

scanning, by the transaction machine based on receiving the cash deposit from the third party customer, the one or more bills of the cash deposit; and

identifying, by the transaction machine, a denomination of the one or more bills of the cash deposit.

8 . A system comprising:

a provider computing system associated with a provider comprising one or more processors and a computer-readable medium storing instructions, that when executed by the one or more processors, cause the one or more processors to perform provider operations comprising:

generate a passcode; and

a transaction machine associated with the provider comprising:

a display configured to display one or more graphical user interfaces;

a cash deposit mechanism configured to become enabled to receive a cash deposit; and

one or more processors and a computer-readable storage medium storing instructions, that when executed by the one or more processors, cause the one or more processors to perform transaction machine operations comprising:

receive a request for payment of a bill issued by a third party to a third party customer;

generate a user interface to receive a passcode input;

receive the passcode input;

activate, based on the passcode input, the cash deposit mechanism of the transaction machine, the activated cash deposit mechanism configured to receive the cash deposit;

receive the cash deposit;

generate a plurality of graphical user interfaces (GUIs) comprising a plurality of notifications, each GUI of the plurality of GUIs comprising at least one notification associated with the bill;

determine, based on the cash deposit, a sequence of the plurality of GUIs comprising the plurality of notifications associated with the bill;

adjust the sequence of the plurality of GUIs comprising the plurality of notifications based on at least one of: one or more user actions or a type of the bill being paid; and

transmit, using the determined sequence of the plurality of GUIs comprising the plurality of notifications, a payment notification to a third party computing system associated with the third party.

9 . The system of claim 8 , wherein the third party customer does not hold an account with the provider associated with the transaction machine.

10 . The system of claim 8 , wherein the transaction machine operations or the provider operations further comprise:

transmit a request to the third party computing system for a bill amount, the request including the passcode, and

receive the bill amount from the third party computing system.

11 . The system of claim 8 , wherein the transaction machine operations or the provider operations further comprise receive a bill amount associated with the generated passcode for deposit at the transaction machine by accessing a database using the passcode, and retrieving the bill amount associated with the passcode from the database.

12 . The system of claim 8 , wherein the transaction machine operations further comprise generating a user interface comprising cash deposit information including a payment amount.

13 . The system of claim 8 , wherein the user interface is a first user interface, and wherein the transaction machine operations further comprise:

display, subsequent to receiving the cash deposit, a second user interface on the display of the transaction machine, the second user interface including at least one image of a denomination of currency corresponding to the cash deposit received.

14 . The system of claim 8 , wherein the cash deposit comprises one or more bills, and the transaction machine operations further comprise:

scanning, based on receiving the cash deposit from the third party customer, the one or more bills of the cash deposit; and

identifying a denomination of the one or more bills of the cash deposit.

15 . A non-transitory computer-readable medium storing instructions that, when executed by one or more processors of a processing circuit, cause the processing circuit to:

generate a passcode;

transmit the passcode to a third party computing system associated with a third party;

receive a request for a payment of a bill issued by the third party to a third party customer;

generate a user interface to receive a passcode input;

receive the passcode input;

activate, based on the passcode input, a cash deposit mechanism of a transaction machine, the activated cash deposit mechanism configured to receive a cash deposit;

receive the cash deposit;

generate a plurality of graphical user interfaces (GUIs) comprising a plurality of notifications, each GUI of the plurality of GUIs comprising at least one notification associated with the bill;

determine, based on the cash deposit, a sequence of the plurality of GUIs comprising the plurality of notifications associated with the bill;

adjust the sequence of the plurality of GUIs comprising the plurality of notifications based on at least one of: one or more user actions or a type of the bill being paid; and

transmit, using the determined sequence of the plurality of GUIs comprising the plurality of notifications, a payment notification to the third party computing system associated with the bill.

16 . The non-transitory computer-readable medium of claim 15 , wherein the third party customer does not hold an account with a provider associated with the transaction machine.

17 . The non-transitory computer-readable medium of claim 15 , wherein the instructions further cause the processing circuit to:

receive a payment amount associated with the passcode for deposit at the transaction machine from the third party computing system.

18 . The non-transitory computer-readable medium of claim 15 , wherein the instructions further cause the processing circuit to:

receive a payment amount associated with the passcode for deposit at the transaction machine from the third party computing system by accessing a database using the passcode and retrieving the payment amount associated with the passcode from the database.

19 . The non-transitory computer-readable medium of claim 15 , wherein the instructions further cause the processing circuit to generate cash deposit information including a payment amount.

20 . The non-transitory computer-readable medium of claim 15 , wherein the user interface is a first user interface, and the instructions further cause the processing circuit to:

display a second user interface on a display of the transaction machine, the second user interface including at least one image of a denomination of currency corresponding to the cash deposit received.

Continuity (10)

References Cited (75)