Patent ID: 11861575
Assignee: WELLS FARGO BANK, N.A.
Field: Control (Instruments)
Classification: CPC G | IPC G

Claim 10:
11. A system comprising:
an automated teller machine (ATM); and
a first computing system associated with a first institution, the first computing system comprising one or more processors configured to:
extract, from a signal transmitted by the automated teller machine (ATM) which (i) comprises a near-field communication (NFC) transceiver and which (ii) is configured to detect that a chip is proximate to the NFC transceiver and transmit information received from the chip to the first computing system, information associated with a user with a first account at the first institution and a second account at a different second institution;
retrieve, based on the information, a user identification associated with the user;
generate, on a cryptography technique, an encrypted message comprising a request to register the second account at a second computing system of the second institution using second account information associated with the second institution;
transmit, via a network interface, the encrypted message to the second computing system of the second institution;
associate a registered second account with a stored user profile in an accounts database held at the first institution;
authenticate the user using the user identification, wherein authenticating the user comprises comparing the user identification to the stored user profile;
receive, from the ATM, a selection option indicating that funds physically deposited into the ATM are to be deposited into the registered second account at the second institution;
initiate, via an inter-financial institution transfer, a funds transfer from the first computing system to the registered second account at the second computing system upon receiving the selection option;
receive from the second computing system, a failed attempt message indicating a reason for failure;
determine, from the failed attempt message, that the reason indicates the funds transfer failed due to a network connectivity issue or due to one of (i) an inactive payee account or (ii) an expired payee account number; and
responsive to determining that the reason indicates the network connectivity issue, re-initiate the funds transfer to the registered second account at the second institution; or
responsive to determining that the reason indicates one of the inactive payee account or the expired payee account number:
initiate the funds transfer to the first account instead of the registered second account; and
transmit, to the ATM, an indication of the failed attempt and a confirmation of a transfer of funds to the first account, for display to the user via the user interface of the ATM.