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

Claim 0:
1. A method, comprising:
detecting, by an automated teller machine (ATM) comprising a near-field communication (NFC) transceiver, that a chip is proximate to the NFC transceiver;
transmitting, by the ATM, a signal including information received from the chip;
extracting, by a first computing system of a first institution, information associated with a user that holds a first account at the first institution and a second account at a second institution;
retrieving, by the first computing system, based on the information, a user identification associated with the user;
generating, by the first computing system, an encrypted message from the message based on a cryptography technique;
transmitting, by the first computing system, via a network interface, the encrypted message to the second computing system of the second institution;
associating, by the first computing system, a registered second account with a stored user profile in an accounts database of the first computing system;
authenticating, by the first computing system, the user based on the user identification, wherein authenticating the user comprises comparing the user identification to the stored user profile in the accounts database;
receiving, by the first computing system, from the ATM, a selection indicating that funds physically deposited into the ATM are to be deposited into the second account;
initiating, by the first computing system, a transfer to the second account upon receiving the selection from the ATM;
receiving, by the first computing system, from the second computing system, a failed attempt message indicating a reason for failure;
determining, by the first computing system, 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-initiating, by the first computing system, the funds transfer to the registered second account at the second computing system; or
responsive to determining that the reason indicates one of the inactive payee account or the expired payee account number:
initiating by the first computing system, the funds transfer to the first account instead of the registered second account; and
transmitting, by the first computing system, to the ATM, an indication of the failed attempt and a confirmation of a transfer of funds to the first account, for display via a user interface of the ATM.