Patents by Inventor Melody Kao
Melody Kao 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: 11816672Abstract: Provided is dynamic and flexible authentication based on an interaction over a communications link between a user device and a financial entity. A set of interactions enabled at the user device are categorized into different levels, each level comprises a different authentication policy. At about the same time as an interaction is initiated at the device, an authentication policy assigned to the interaction is accessed and a security challenge is activated at the device. Based upon a successful response to the security challenge, an enablement of the communications link is continued. Based upon an unsuccessful response to the security challenge, the communications link is disabled.Type: GrantFiled: January 29, 2016Date of Patent: November 14, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Priyamvada Singh, Jeff Cornman, Melody Kao
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Publication number: 20230267470Abstract: Provided is dynamic and flexible authentication based on an interaction over a communications link between a user device and a financial entity. A set of interactions enabled at the user device are categorized into different levels, each level comprises a different authentication policy. At about the same time as an interaction is initiated at the device, an authentication policy assigned to the interaction is accessed and a security challenge is activated at the device. Based upon a successful response to the security challenge, an enablement of the communications link is continued. Based upon an unsuccessful response to the security challenge, the communications link is disabled.Type: ApplicationFiled: May 1, 2023Publication date: August 24, 2023Applicant: WELLS FARGO BANK, N.A.Inventors: Priyamvada Singh, Jeff Cornman, Melody Kao
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Publication number: 20230245126Abstract: Value-added services that allow for a seamless integration of actions related to activities and/or events are provided. A determination is made that an event has started based on scheduled event data or historical information associated with a user. Profile data associated with the user is identified based on the start of the first event. The identity of the user is verified based on a mapping between the profile data and data related to the first event. Further, an activity related to a second event is triggered after completion of a transaction of the first event is completed. A suggested action may be activated based on the trigger event. The suggested action is based on historical information associated with the user and is not a component of the first event or the second event.Type: ApplicationFiled: April 12, 2023Publication date: August 3, 2023Applicant: Wells Fargo Bank, N.A.Inventors: Bipin Sahni, Matthew Martinez, Melody Kao
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Patent number: 11657399Abstract: Value-added services that allow for a seamless integration of actions related to activities and/or events are provided. A determination is made that an event has started based on scheduled event data or historical information associated with a user. Profile data associated with the user is identified based on the start of the first event. The identity of the user is verified based on a mapping between the profile data and data related to the first event. Further, an activity related to a second event is triggered after completion of a transaction of the first event is completed. A suggested action may be activated based on the trigger event. The suggested action is based on historical information associated with the user and is not a component of the first event or the second event.Type: GrantFiled: October 6, 2015Date of Patent: May 23, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Bipin Sahni, Matthew Martinez, Melody Kao
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Patent number: 11599619Abstract: 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: December 15, 2021Date of Patent: March 7, 2023Assignee: 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: 11222106Abstract: 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: May 23, 2019Date of Patent: January 11, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Michael T. Duke, Kourtney Eidam, Christopher P. Clausen, Darrell L. Suen, Melody Kao
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Publication number: 20210056554Abstract: Systems and methods of authenticating customers of a financial institution are provided. A customer, involved in a financial transaction may be authenticated before consummation of a financial transaction. Authentication includes the system and method verifying the customer's identity and identifying the customer as a trusted customer. Authentication further includes aspects for determining the customer is co-located with the financial institution.Type: ApplicationFiled: September 8, 2015Publication date: February 25, 2021Applicant: Wells Fargo Bank, N.A.Inventors: Sri Saravana Muthu, Dominik Vltavsky, Melody Kao
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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