Patent ID: 11900452
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 13:
14. A computer-implemented method comprising:
receiving, by a computing system, from a user computing device, via a website or software application running on the user computing device, a first request to apply for secured credit;
generating, by the computing system, a passcode corresponding to the first request, the passcode having an expiration time determined based on the first request;
transmitting, by the computing system, the passcode to the user computing device;
receiving, by the computing system, a second request to complete the first request to apply for the secured credit from an automated teller machine (ATM), the second request comprising the passcode;
responsive to identifying the first request based on the passcode and determining that the passcode is active based on the expiration time, transmitting, to the ATM, a collateral request for the secured credit, causing the ATM to display a graphical user interface including an element that, when interacted with, causes the ATM to accept a check corresponding to a collateral deposit;
receiving from the ATM, by the computing system, a message acknowledging the collateral deposit, the message generated by the ATM responsive to the ATM accepting the check corresponding to the collateral deposit;
determining, by the computing system, that the collateral deposit satisfies the collateral request for the secured credit; and
transmitting, by the computing system, to the user computing device or to the ATM, a notification indicating that the first request has been approved.