# US 11,308,466 B1 · Systems and methods for completing transactions via lockable boxes

> Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt

- Number: US 11,308,466 B1
- Document ID: US11308466B1
- Status: Granted
- Kind: B1
- Application number: 16/199,048
- Filed: 2018-11-23
- Granted: 2022-04-19
- Earliest claimed: 2016-04-04
- Assignees: Wells Fargo Bank, N.A.
- Applicants: Wells Fargo Bank, N.A.
- Inventors: Darren M. Goetz; Miranda C. Hill; Dennis E. Montenegro; Alicia Y. Moore; Susan Symons; Timothy R. Ward
- Web page: https://patentgrep.com/patent/US11308466B1

## CPC

- G06Q 20/108: {Remote banking, e.g. home banking}
- G07F 19/211: {Software architecture within ATMs or in relation to the ATM network}
- G06Q 20/381: {Currency conversion}
- G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q 20/4015: {using location information}
- G06Q 20/409: {Device specific authentication in transaction processing}
- G07F 17/105: {for money boxes (for saving clocks G07F17/0007)}
- G07F 19/00: Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines (data processing equipment for bank accounting G06Q40/02)
- G07F 19/201: {Accessories of ATMs}
- G06F 3/0482: Interaction with lists of selectable items, e.g. menus
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)

## Abstract

A method performed by a processor of a provider computing system includes allowing an account holder at the provider to initiate a transaction with the provider remotely (e.g., via smartphone, online banking, etc.), by submitting a request for a specified transaction to be picked up in a lockbox at a provider's lockbox location. The pickup and completion of the account holder's requested transaction occurs at a lockbox location that has a plurality of lockboxes. The lockbox allows the account holder to access the facility at the account holder's leisure, both in time and location. The lockbox pickup service alleviates the uncertainty, fluctuating time cost, and inconvenient operating hours by allowing the account holder to request transactions with an easy to use interface resulting in a lockbox to be accordingly prepped so that the account holder can provide the proper authentication information and access the lockbox.

## Claims

### Claim 1

A method comprising:
receiving, by a financial institution computing system of a financial institution, a lockbox transaction request from a user device associated with an account holder of the financial institution, the lockbox transaction request including a transaction identification and a transaction location;
identifying, by the financial institution computing system, a physical transaction lockbox from a plurality of physical lockboxes associated with the financial institution based on the transaction identification and the transaction location, the plurality of physical lockboxes comprising a first physical lockbox configured to dispense a withdrawal amount of currency and a second physical lockbox configured to receive a deposit amount of currency and configured to identify a currency type and currency number of the deposit amount of currency;
transmitting, by the financial institution computing system, a lock request to the physical transaction lockbox, wherein the physical transaction lockbox is the first physical lockbox when the transaction identification is a withdrawal and wherein the physical transaction lockbox is the second physical lockbox when the transaction identification is a deposit;
configuring, by the financial institution computing system, the physical transaction lockbox based on the transaction identification, wherein configuring the physical transaction lockbox comprises operating a locking mechanism to physically lock the physical transaction lockbox; and
transmitting, by the financial institution computing system, transaction information to the user device, wherein the transaction information includes a lockbox location, lockbox unlock information, and a lockbox number, the lockbox number being the physical transaction lockbox from the plurality of physical lockboxes, the lockbox unlock information being sufficient to unlock the physical transaction lockbox.

### Claim 2 (depends on 1)

The method of claim 1, wherein the transaction identification is an exchange comprising a transaction deposit amount and a transaction withdrawal amount, wherein the lock request is a first lock request, wherein the physical transaction lockbox is the first physical lockbox, and wherein the lockbox number is a first lockbox number, further comprising, transmitting, by the financial institution computing system, a second lock request to the second physical lockbox, wherein the second physical lockbox is unlocked when the first physical lockbox receives the transaction deposit amount; and transmitting a second lockbox number, the second lockbox number being the second physical lockbox, wherein the lockbox unlock information is associated with unlocking the first physical lockbox.

### Claim 3 (depends on 1)

The method of claim 1, wherein the transaction identification is an exchange comprising a transaction deposit amount and a transaction withdrawal amount, wherein the lock request is a first lock request, wherein the physical transaction lockbox is the first physical lockbox, and wherein the lockbox number is a first lockbox number, further comprising, transmitting, by the financial institution computing system, a second lock request to the second physical lockbox, wherein the first physical lockbox is unlocked when the transaction withdrawal amount is removed from the second physical lockbox; and transmitting a second lockbox number, the second lockbox number being the second physical lockbox, wherein the lockbox unlock information is associated with unlocking the second physical lockbox.

### Claim 4 (depends on 1)

The method of claim 1, wherein the transaction identification is an exchange comprising a transaction deposit amount and a transaction withdrawal amount, wherein the lock request is a first lock request, wherein the physical transaction lockbox is the first physical lockbox, wherein the lockbox unlock information is a first lockbox unlock information, and wherein the lockbox number is a first lockbox number, further comprising:
transmitting, by the financial institution computing system, a second lock request to the second physical lockbox; and
transmitting, by the financial institution computing system, a second lockbox location, second lockbox unlock information, and a second lockbox number to the user device, the second lockbox number being the second physical lockbox from the plurality of physical lockboxes, and the second lockbox unlock information is associated with unlocking the first physical lockbox.

### Claim 5 (depends on 1)

The method of claim 1, wherein the transaction identification is the withdrawal and the physical transaction lockbox is the first physical lockbox, further comprising, receiving, by the financial institution computing system from a mobile device, an unlock attempt;
authenticating, by the financial institution computing system, the unlock attempt, wherein authentication occurs by comparing the unlock attempt to the lockbox unlock information and
transmitting, by the financial institution computing system, an unlock command to the first physical lockbox based on the authentication, wherein unlocking the first physical lockbox provides the withdrawal amount of currency.

### Claim 6 (depends on 1)

The method of claim 1, wherein the transaction identification is the deposit and the physical transaction lockbox is the second physical lockbox, further comprising, receiving, by the financial institution computing system from a mobile device, an unlock attempt;
authenticating, by the financial institution computing system, the unlock attempt, wherein authentication occurs by comparing the unlock attempt to the lockbox unlock information; and
transmitting, by the financial institution computing system, an unlock command to the second physical lockbox based on the authentication, wherein unlocking the second physical lockbox facilitates depositing the deposit amount of currency.

### Claim 7 (depends on 1)

The method of claim 1, further comprising:
transmitting, by the financial institution computing system, a potential lockbox location to the user device, after identifying the physical transaction lockbox from the plurality of physical lockboxes, and
receiving, by the financial institution computing system, approval of the potential lockbox location from the user device, wherein the potential lockbox location is the lockbox location of the transaction information.

### Claim 8

A computing system associated with a provider, the computing system comprising:
an inventory database having information relating to the use and availability of a plurality of physical lockboxes at lockbox locations and the use and availability of an amount of currency and denominations of currency at the lockbox locations,
the plurality of physical lockboxes comprising a first physical lockbox configured to dispense a withdrawal amount of currency and a second physical lockbox configured to receive a deposit amount of currency and configured to identify a currency type and currency number of the deposit amount of currency;
a network interface configured to communicate data to and from a lockbox computing system associated with the provider and a user device associated with an account holder of the provider user over a network; and
a lockbox management circuit structured to:
receive a lockbox transaction request from the user device, the lockbox transaction request including a transaction identification and a transaction location;
identify a physical transaction lockbox from the plurality of physical lockboxes associated with the provider based on the transaction identification and the transaction location;
transmit a lock request to the physical transaction lockbox, wherein the physical transaction lockbox is the first physical lockbox when the transaction identification is a withdrawal and wherein the physical transaction lockbox is the second physical lockbox when the transaction identification is a deposit;
configure the physical transaction lockbox based on the transaction identification, wherein configuring the physical transaction lockbox comprises operating a locking mechanism to physically lock the physical transaction lockbox; and
transmit transaction information to the user device, wherein the transaction information includes a lockbox location, lockbox unlock information, and a lockbox number, the lockbox number being the physical transaction lockbox from the plurality of physical lockboxes, the lockbox unlock information being sufficient to unlock the physical transaction lockbox.

### Claim 9 (depends on 8)

The computing system of claim 8, wherein the transaction identification is an exchange comprising a transaction deposit amount and a transaction withdrawal amount, wherein the lock request is a first lock request, wherein the physical transaction lockbox is the first physical lockbox, and wherein the lockbox number is a first lockbox number, and wherein the lockbox management circuit is further structured to transmit a second lock request to the second physical lockbox, wherein the second physical lockbox is unlocked when the first physical lockbox receives the transaction deposit amount; and transmitting a second lockbox number, the second lockbox number being the second physical lockbox, wherein the lockbox unlock information is associated with unlocking the first physical lockbox.

### Claim 10 (depends on 8)

The computing system of claim 8, wherein the transaction identification is an exchange comprising a transaction deposit amount and a transaction withdrawal amount, wherein the lock request is a first lock request, wherein the physical transaction lockbox is the first physical lockbox, wherein the lockbox number is a first physical lockbox number, and wherein the lockbox management circuit is further structured to transmit a second lock request to the second physical lockbox, wherein the first physical lockbox is unlocked when the transaction withdrawal amount is removed from the second physical lockbox; and transmitting a second lockbox number, the second lockbox number being the second physical lockbox, wherein the lockbox unlock information is associated with unlocking the second physical lockbox.

### Claim 11 (depends on 8)

The computing system of claim 8, wherein the transaction identification is an exchange comprising a transaction deposit amount and a transaction withdrawal amount, wherein the lock request is a first lock request, wherein the physical transaction lockbox is the first physical lockbox, wherein the lockbox unlock information is a first lockbox unlock information, wherein the lockbox number is a first lockbox number, and wherein the lockbox management circuit is further structured to transmit a second lock request to the second physical lockbox; and transmit a second lockbox location, second lockbox unlock information, and a second lockbox number to the user device, the second lockbox number being the second physical lockbox from the plurality of physical lockboxes, and the second lockbox unlock information is associated with unlocking the first physical lockbox.

### Claim 12 (depends on 8)

The computing system of claim 8, wherein the transaction identification is the withdrawal and the physical transaction lockbox is the first physical lockbox, and wherein the lockbox management circuit is further structured to receive, from a mobile device, an unlock attempt;
authenticate the unlock attempt, wherein authentication occurs by comparing the unlock attempt to the lockbox unlock information; and
transmit an unlock command to the first physical lockbox based on the authentication, wherein unlocking the first physical lockbox provides the withdrawal amount of currency.

### Claim 13 (depends on 8)

The computing system of claim 8, wherein the transaction identification is the deposit and the physical transaction lockbox is the second physical lockbox, and wherein the lockbox management circuit is further structured to receive, from a mobile device, an unlock attempt;
authenticate the unlock attempt, wherein authentication occurs by comparing the unlock attempt to the lockbox unlock information; and
transmit an unlock command to the second physical lockbox based on the authentication, wherein unlocking the second physical lockbox facilitates depositing the deposit amount of currency.

### Claim 14 (depends on 8)

The computing system of claim 8, wherein the lockbox management circuit is further structured to:
transmit a potential lockbox location to the user device, after identifying the physical transaction lockbox from the plurality of physical lockboxes, and
receive approval of the potential lockbox location from the user device, wherein the potential lockbox location is the lockbox location of the transaction information.

### Claim 15

A method comprising:
receiving, by a provider computing system of a provider, a lockbox transaction order from a user device associated with an account holder of the provider, the lockbox transaction order including a transaction identification, pickup device identifier, a transaction location, and a transaction time;
identifying, by the provider computing system, a physical lockbox associated with the provider from a plurality of physical lockboxes based on the transaction identification and the transaction location, the plurality of physical lockboxes comprising a first physical lockbox configured to dispense a withdrawal amount of currency and a second physical lockbox configured to receive a deposit amount of currency and configured to identify a currency type and currency number of the deposit amount of currency;
transmitting, by the provider computing system, a lock request to the physical lockbox, wherein the physical lockbox is the first physical lockbox when the transaction identification is a withdrawal and wherein the physical lockbox is the second physical lockbox when the transaction identification is a deposit, the lock request including the transaction identification, an identifier associated with the physical lockbox, and the pickup device identifier; and
configuring, by the provider computing system, the physical lockbox associated with the identifier based on the transaction identification, wherein configuring the physical lockbox comprises operating a locking mechanism to physically lock the physical lockbox, wherein the physical lockbox is accessible by a user device associated with the pickup device identifier during a transaction time range, the transaction time range associated with the transaction time.

### Claim 16 (depends on 15)

The method of claim 15, further comprising:
transmitting, by the provider computing system, the lock request to a provider branch computing device, the provider branch computing device associated with an employee at the provider, wherein the employee at the provider is authorized to complete transactions of the transaction identification of the lockbox transaction order, and wherein the employee will prepare the physical lockbox prior to the transaction time range and will cancel the transaction when past the transaction time range.

### Claim 17 (depends on 15)

The method of claim 15, further comprising:
transmitting, after identifying the physical lockbox from the plurality of physical lockboxes by the provider computing system, a potential lockbox location and a potential transaction time range to the user device, and
receiving, by the provider computing system, approval of the potential lockbox location and approval of the potential transaction time range from the user device, wherein the potential transaction time range is the transaction time range.

### Claim 18 (depends on 15)

The method of claim 15, wherein the transaction identification is a currency exchange and the transaction identification includes a first amount of a first currency type and a second amount of a second currency type, the second amount of the second currency type being what the account holder must provide to acquire the first amount of the first currency type, further comprising:
transmitting, by the provider computing system, an exchange service call to the physical lockbox, the exchange service call including instructions to an employee at the physical lockbox to ready the first amount of the first currency type.

### Claim 19 (depends on 15)

The method of claim 15, wherein the physical lockbox is unlockable by a NFC, bar code, QR code, or proximity based communication between the user device and the physical lockbox.

### Claim 20 (depends on 15)

The method of claim 15, further comprising:
generating, by the provider computing system, a transaction details summary, the transaction details summary providing information related to completion of the lockbox transaction order; and
transmitting, by the provider computing system, the transaction details summary to the user device.