Patents by Inventor Darrell L. Suen
Darrell L. Suen has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 10942520Abstract: A method for using an autonomous vehicle includes receiving one or more user preferences for use of the autonomous vehicle. A destination is received for a trip using the autonomous vehicle. An arrival time is received for when the trip needs to be completed. A determination is made as to whether the user preferences includes a preference for physical activity for the trip. One or more routes are provided for the trip to the destination that permits the trip to be completed by the arrival time and that implements at least one of the user preferences. At least one of the routes comprises a hybrid route including one segment in which a physical activity selected by the user is suggested for traversing a distance of the one segment and another segment using the autonomous vehicle.Type: GrantFiled: April 20, 2017Date of Patent: March 9, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Jennifer L. Copeland, Suzanne M. Fisi, Simone O. Harvey, David C. Hatch, Chris Kalaboukis, Muhammed Farukh Munir, Aaron Francis Colfax Petrik, Darrell L. Suen, Timothy R. Ward, Steven J. Wirt, Ryan J. Wyler, Nancy B. Zimmerman
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Patent number: 10902514Abstract: Examples described herein relate to apparatuses and methods for facilitating automatic anonymous group funding, including but not limited to a provider computing system configured to establish a digital funding group, obtain a set of proposed transactions for at least one member of the digital funding group, and determine that a first user device from the plurality of user devices associated with the digital funding group is associated with a first customer unable to afford at least one proposed transaction. The provider computing system broadcasts a notification to the digital funding group requesting funds, matches funds provider(s) to the funds recipient, generates a funding transaction, provides the terms to the sender(s) and recipient of funds, modifies the terms as needed, and initiates a funds transfer.Type: GrantFiled: April 10, 2018Date of Patent: January 26, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Sotirios K. Barkas, Yon W. Lee, Darius A. Miranda, Marria Rhodriquez, Darrell L Suen, John T. Wright
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Publication number: 20200380479Abstract: A mail analysis system includes a mail receiving device structured to receive a piece of mail associated with a user and direct the piece of mail to an imaging area, a scanning device structured to capture a scanned image of the piece of mail in the imaging area, a mail sorting structured to contact the piece of user mail to send the mail in one of a predetermined number of directions, and a processing circuit. The processing circuit is caused to receive the scanned image captured by the scanning device, determine if the piece of mail proposes a transaction to the user, transmit information pertaining to the transaction to a financial institution computing system, receive, an indication of the legitimacy of the proposed transaction from the financial institution computing system, and transmit a control signal to the mail sorting device based on the legitimacy of the proposed transaction.Type: ApplicationFiled: April 21, 2017Publication date: December 3, 2020Inventors: Kevin R. Cieslak, Jeffrey A. Cornman, Chris Kalaboukis, Darrell L. Suen, Christina Zappala Ongpin
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Publication number: 20200380506Abstract: Systems and methods using a processor coupled to a non-transitory storage medium. The processor is structured to receive an indication of a mobile device connected to a secure network provided by a financial institution, where the mobile device is associated with a user account at the financial institution, identify the mobile device based on a unique identifier of the mobile device, automatically authenticate the mobile device for a first level transaction, receive a transaction request from a user via the mobile device, determine that the transaction request is for the first level transaction, and complete the transaction request.Type: ApplicationFiled: December 20, 2016Publication date: December 3, 2020Inventors: Michael Chang, John Chuprevich, Kevin R. Cieslak, Christopher P. Clausen, Jeffrey A. Cornman, Bryan Hall, Julio Jiron, Bryan Kroll, Samuel Martin, Traci Nguyen, Virginia Randle, Priyamvada Singh, Darrell L. Suen, Kenneth L. Wright
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Patent number: 10749970Abstract: A method for managing a communication session includes receiving a request to perform a task. The task is divided into one or more steps. One or more user devices are identified that can be used to perform one or more of the steps. One or more communication channels are identified that are available to the one or more user devices. The communication session is permitted to switch from one or more of the user devices and communication channels to complete the one or more steps of the task while maintaining a continuity of the communication session.Type: GrantFiled: December 28, 2016Date of Patent: August 18, 2020Assignee: Wells Fargo Bank, N.A.Inventors: Suzanne M. Fisi, Kristine Ing Kushner, Stephanie S. Hellman, Joel Gardner, John Chuprevich, Ayesha Hasan, Darrell L. Suen, Chris Kalaboukis
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Patent number: 10743181Abstract: Systems, methods, and other embodiments associated with multi SIM card device binding are described herein. According to one embodiment, a system includes an authentication logic configured to enable communication between an entity and a user. The user is associated with a user profile. The system further includes a carrier logic configured to identify a subscriber identity module (SIM) card of a carrier. The carrier logic also requests carrier data associated with the SIM card from the carrier. An update logic is configured to update the user profile with the carrier data.Type: GrantFiled: March 9, 2018Date of Patent: August 11, 2020Assignee: WELLS FARGO BANK, N.A.Inventors: Elenchezhean Selvaraj, Darrell L. Suen, Melody Su-Shin Kao, Sridhar Kotamraju
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Patent number: 10721227Abstract: A system and method of validating an identity of a user device is disclosed that includes registering a biometric signature with an authoritative identity source, transmitting an encrypted user identity element from the authoritative identity source to a user device, sending an identity request from a third party entity to the user device, transmitting the encrypted user identity element from the user device to the third party, sending an identity validation request from the third party to the authoritative identity source, transmitting a communication from the authoritative identity request to the third party entity, and informing the third party entity if the identity of the user is confirmed.Type: GrantFiled: November 5, 2018Date of Patent: July 21, 2020Assignee: WELLS FARGO BANK, N.A.Inventor: Darrell L. Suen
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Patent number: 10719830Abstract: An example computing device is programmed to: (a) detect an attempt to secondarily access a user account, the user account being involved in an ongoing primary financial session with a primary device; (b) raise the level of authentication required to secondarily access the user account beyond that which was required to access the account for the primary financial session; (c) when successful authentication at the raised level is achieved, permit secondary access to the user account through a secondary financial session and compare one or more user activities occurring during the secondary financial session to a plurality of fraud profiles; and (d) indicate fraud when comparison of the user activity is consistent with one or more of the plurality of fraud profiles.Type: GrantFiled: December 29, 2016Date of Patent: July 21, 2020Assignee: Wells Fargo Bank, N.A.Inventors: Suzanne M. Fisi, Kristine Ing Kushner, Stephanie S. Hellman, Joel Gardner, John Chuprevich, Ayesha Hasan, Darrell L. Suen, Chris Kalaboukis
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Patent number: 10664915Abstract: Purchasing, maintaining, and deriving revenue from mobile autonomous units is facilitated by providing a mobile autonomous unit marketplace in which equity shares in mobile autonomous units can be bought, sold and traded. Valuation of mobile autonomous units within the marketplace can be a function of a variety of factors such as the mobile autonomous unit's primary geographic region, and the number, diversity, and time management of revenue streams available to the mobile autonomous units.Type: GrantFiled: February 3, 2017Date of Patent: May 26, 2020Assignee: Wells Fargo Bank, N.A.Inventors: Jennifer L. Copeland, Suzanne M. Fisi, Simone O. Harvey, David C. Hatch, Muhammad Farukh Munir, Aaron Francis Colfax Petrik, Darrell L. Suen, Timothy R. Ward, Steven J. Wirt, Ryan J. Wyler, Nancy B. Zimmerman, Chris Kalaboukis
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Patent number: 10664587Abstract: An authorization level is set at enrollment. Initiation information for a user of a device is provided during enrollment to an entity for authentication. The entity can be associated with a class defined by an ability of the entity to verify user identity. Verification data is received from the entity associated with user authentication. An authorization level is selected based on the verification data. An enrollment token is then generated that includes the authorization level that defines security parameters for the device.Type: GrantFiled: April 8, 2019Date of Patent: May 26, 2020Assignee: WELLS FARGO BANK, N.A.Inventors: Adam Evans Vancini, Christopher Phillip Clausen, Darrell L. Suen
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Patent number: 10616411Abstract: A fraud analysis computing system is provided. The system includes a network interface configured to communicate data over a network and a processing circuit including one or more processors coupled to non-transitory memory. The processing circuit is configured to monitor incoming call data generated during an incoming call between a user and an incoming caller, detect a fraud trigger within the incoming call data, and complete a fraud interception activity in response to detection of the fraud trigger.Type: GrantFiled: August 21, 2017Date of Patent: April 7, 2020Assignee: Wells Fargo Bank, N.A.Inventors: Michael H. Chang, Kevin R. Cieslak, Jeffrey A. Cornman, Chris Kalaboukis, Beth S. Moss, Christina Zappala Ongpin, Ramanathan Ramanathan, Darrell L. Suen
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Patent number: 10593213Abstract: Customization of sharing of rides can involve the grouping of passengers in vehicles according to objective and subjective parameters and preferences. In some embodiments, vehicles or other components of the system are equipped to identify and compare information about users of the system using biometric scanning. In some embodiments, fares for rideshares can be tied to a projected quality or desirability of the rideshare for a user or users of the system.Type: GrantFiled: October 25, 2018Date of Patent: March 17, 2020Assignee: Wells Fargo Bank, N.A.Inventors: Jennifer L. Copeland, Suzanne M. Fisi, Simone O. Harvey, David C. Hatch, Muhammad Farukh Munir, Aaron Francis Colfax Petrik, Darrell L. Suen, Timothy R. Ward, Steven J. Wirt, Ryan J. Wyler, Nancy B. Zimmerman, Chris Kalaboukis
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Patent number: 10474836Abstract: A financial institution computing system associated with a financial institution includes a network interface configured to communicate data over a network, and a processing circuit comprising a memory and a processor. The memory has instructions stored thereon that cause the processor to receive, by the network interface, a content request from a user computing device associated with a user, the content request requesting content from a network destination, determine if the network destination is associated with a trusted entity, determine that the requested content prompts the user to input sensitive information, and transmit, by the network interface substitution content to the user computing device responsive to determining that the network destination is illegitimate and to determining that the requested content includes at least one field into which the user may input sensitive information, the substitution content including at least one prompt requesting the user to input sensitive information.Type: GrantFiled: April 26, 2017Date of Patent: November 12, 2019Assignee: WELLS FARGO BANK, N.A.Inventors: Kevin R. Cieslak, Jeffrey A. Cornman, Chris Kalaboukis, Ramanathan Ramanathan, Darrell L. Suen, Christina M. Zappala
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Publication number: 20190311429Abstract: Examples described herein relate to apparatuses and methods for facilitating automatic anonymous group funding, including but not limited to a provider computing system configured to establish a digital funding group, obtain a set of proposed transactions for at least one member of the digital funding group, and determine that a first user device from the plurality of user devices associated with the digital funding group is associated with a first customer unable to afford at least one proposed transaction. The provider computing system broadcasts a notification to the digital funding group requesting funds, matches funds provider(s) to the funds recipient, generates a funding transaction, provides the terms to the sender(s) and recipient of funds, modifies the terms as needed, and initiates a funds transfer.Type: ApplicationFiled: April 10, 2018Publication date: October 10, 2019Inventors: Sotirios K. Barkas, Yon W. Lee, Darius A. Miranda, Marria Rhodriquez, Darrell L Suen, John T. Wright
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Publication number: 20190259029Abstract: A computer-implemented method includes receiving, by a federated identity computing system, identity information from a customer; receiving, by the computing system, preferences for the identity information from the customer, wherein the preferences govern distribution of the identity information to requesting parties; generating, by the computing system, a key specific to the customer; and provisioning, by the computing system, the key to an identification chip associated with the customer. The computer-implemented method further includes receiving, by the computing system, the key and a request for one or more pieces of the identity information from a requesting party and providing, by the computing system, the requested one or more pieces of identity information to the requesting party based on the key and the preferences.Type: ApplicationFiled: February 22, 2018Publication date: August 22, 2019Inventors: Jana L. Chilton, Angira Goswami, Muhammad Farukh Munir, Traci Nguyen, Priyamvada Singh, Darrell L. Suen, Kenneth L. Wright
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Publication number: 20190220922Abstract: Examples described herein relate to apparatuses and methods of determining an optimal viewing layout of a content item on a computing device based on user preference data. The method includes receiving a request for a content item associated with an account of a user. The method includes selecting a template having a set of elements for generating a content item. The method includes selecting a content item dataset associated with the content item. The method includes generating layout data based on the content item dataset and the selected template. The method includes sending the layout data, causing operations comprising assembling the content item for display in an application based on the layout data, and gathering user preference data in response to an interaction of the user with the displayed content item. The method includes updating the template based on the user preference data.Type: ApplicationFiled: January 12, 2018Publication date: July 18, 2019Inventors: Sotirios K. Barkas, Yon W. Lee, Darius A. Miranda, Marria Rhodriquez, Darrell L. Suen, John Wright
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Patent number: 10303869Abstract: Provided is relative multifactor authentication for interactions between users and one or more entities. Relative multifactor authentication includes monitoring a set of attributes associated with a user during an interaction between the user and the entity. The set of attributes include at least two of a behavioral attribute, a health attribute, a geospatial attribute, and a device attribute. Relative multifactor authentication also include comparing respective parameters of attributes of the set of attributes with expected parameters and determining an authentication status based on the comparison and weighted values assigned to respective attributes of the set of attributes. The user is selectively authenticated to begin to continue the interaction based on the authentication status.Type: GrantFiled: April 17, 2015Date of Patent: May 28, 2019Assignee: WELLS FARGO BANK, N.A.Inventors: Michael T Duke, Kourtney Eidam, Christopher P. Clausen, Darrell L. Suen, Melody Kao
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Patent number: 10255429Abstract: Systems, methods, and other embodiments associated with setting an authorization level at enrollment. According to one embodiment, a method includes a accessing an interface on a device. Initiation information for a user of the device is provided to an authorizer. The authorizer is associated with a class. Verification data is received from the authorizer. An enrollment token is then generated based on the verification data. The enrollment token includes an authorization level that defines security parameters for the device.Type: GrantFiled: October 3, 2014Date of Patent: April 9, 2019Assignee: Wells Fargo Bank, N.A.Inventors: Adam Evans Vancini, Christopher Phillip Clausen, Darrell L. Suen
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Patent number: 10147325Abstract: Customization of sharing of rides can involve the grouping of passengers in vehicles according to objective and subjective parameters and preferences. In some embodiments, vehicles or other components of the system are equipped to identify and compare information about users of the system using biometric scanning. In some embodiments, fares for rideshares can be tied to a projected quality or desirability of the rideshare for a user or users of the system.Type: GrantFiled: February 2, 2017Date of Patent: December 4, 2018Assignee: Wells Fargo Bank, N.A.Inventors: Jennifer L. Copeland, Suzanne M. Fisi, Simone O. Harvey, David C. Hatch, Muhammad Farukh Munir, Aaron Francis Colfax Petrik, Darrell L. Suen, Timothy R. Ward, Steven J. Wirt, Ryan J. Wyler, Nancy B. Zimmerman, Chris Kalaboukis
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Patent number: 10129252Abstract: A system and method of validating an identity of a user device is disclosed that includes registering a biometric signature with an authoritative identity source, transmitting an encrypted user identity element from the authoritative identity source to a user device, sending an identity request from a third party entity to the user device, transmitting the encrypted user identity element from the user device to the third party, sending an identity validation request from the third party to the authoritative identity source, transmitting a communication from the authoritative identity request to the third party entity, and informing the third party entity if the identity of the user is confirmed.Type: GrantFiled: December 17, 2015Date of Patent: November 13, 2018Assignee: WELLS FARGO BANK, N.A.Inventor: Darrell L. Suen