Patent ID: 11935116
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 7:
8. A provider institution computing system, comprising:
a network interface circuit structured to communicate information over a network; and
a processing circuit including a processor and a memory, the memory storing instructions that when executed by the processor cause the processing circuit to perform operations including:
identify an unfulfilled service of a user of a provider institution mobile application based on a flag stored in an accounts database of the provider institution computing system, wherein the flag indicates that the user has a pending service that requires further action on behalf of the user;
scan a digital calendar of a mobile device of the user hosting the provider institution mobile application based on receiving a user input to access the digital calendar;
determine an availability of the user based on scanning the digital calendar via an API call to the mobile device of the user that is running the provider institution mobile application;
identify a current location of the user during the determined availability;
determine a plurality of service locations near the identified current location of the user during the determined availability, wherein the plurality of service locations each comprise an automated teller machine (ATM);
determine current usage data of each of the plurality of service locations based on information regarding the ATM at each service location;
filter the determined plurality of service locations based on the current usage data and a capability of each of the determined plurality of service locations relative to the indicated unfulfilled service;
identify a service location from the plurality of service locations based on the filtering;
generate a digital map depicting a route from the current location of the user to the identified service location of the plurality of service locations;
estimate an amount of time for the user to travel to the identified service location, complete the unfulfilled service, and travel back to the current location or to a location determined by scanning the digital calendar;
prompt the user to visit the identified service location to complete the unfulfilled service;
cause the prompt to display on the mobile device of the user, wherein the prompt comprises the generated digital map, a calendar invite, and the estimated amount of time to complete the unfulfilled service;
send the calendar invite to the mobile device of the user via an API call to a calendar application on the mobile device of the user or via a hyperlink transmitted to the mobile device;
transmit information to the identified service location to complete the unfulfilled service during a time frame of the calendar invite, wherein the transmission includes queuing a document relating to the unfulfilled service at the identified service location;
receive at least one first credential to authenticate into the identified service location, wherein the at least one first credential comprises a payment card engaging with the ATM at the identified service location;
receive at least one second credential to access the information transmitted to the identified service location to complete the unfulfilled service, wherein the at least one second credential comprises authentication data specific to the provider institution mobile application, and wherein the at least one second credential is transmitted via a short-range communication protocol from the mobile device to the ATM at the identified service location;
cause access to the transmitted information including the queued document based on approving the at least one second credential and the at least one first credential; and
cause a display of the queued document to the user at the ATM at the identified service location.