Patents by Inventor Tambra Nichols

Tambra Nichols 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).

  • Patent number: 12001536
    Abstract: Various examples described herein are directed to systems and methods for managing an interface between a user and a user computing device. The user computing device may determine that an audio sensor in communication with the user computing device indicates a first command in a user voice of the user, where the first command instructs the user computing device to perform a first task. The user computing device may determine that the audio sensor also indicates a first ambient voice different than the user voice and match the first ambient voice to a first known voice. The user computing device may determine that a second computing device associated with the first known voice is within a threshold distance of the user computing device and select a first privacy level for the first task based at least in part on the first known voice.
    Type: Grant
    Filed: June 10, 2022
    Date of Patent: June 4, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Tambra Nichols, Teresa Lynn Rench, Jonathan Austin Hartsell, John C. Brenner, Christopher James Williams
  • Publication number: 20240089169
    Abstract: Various examples described herein are directed to systems and methods for providing a user interface at a plurality of computing devices. A first interface application executing at a first computing device may determine a first state for a user interface. The first interface application may detect a set of user computing devices for providing the user interface to a user and select a second computing device that is in the set of user computing devices based at least in part on the first state of the user interface. The first interface application may send a description of the user interface to the second computing device.
    Type: Application
    Filed: November 20, 2023
    Publication date: March 14, 2024
    Inventors: Tambra Nichols, Teresa Lynn Rench, Jonathan Austin Hartsell, John C. Brenner, Christopher James Williams
  • Publication number: 20240086856
    Abstract: A computer-implemented system and method are provided for adaptively controlling communication activity of a communication system. The method stores user information comprising contact preferences, a goal, and account information. The system may receive external information by a trigger engine which applies a trigger rule to determine a degree of relatedness between the goal and at least one of external information and the account information. When the degree of relatedness exceeds a threshold, then the contact preferences may be used to format a communication related to the external information based on the contact preferences. The system may then send the communication to the user by the communication entity according to the contact preferences, and, based on a feedback or lack of feedback from the user related to the communication, adjust at least one of the contact preferences, the trigger rule, or a weighting factor of the trigger rule.
    Type: Application
    Filed: May 14, 2018
    Publication date: March 14, 2024
    Inventors: John C. Brenner, Donna Marie Greene, Carter C. Hansen, Tambra Nichols, Elizabeth Long Swindler, Keith Meade Sykes
  • Patent number: 11855838
    Abstract: Various examples described herein are directed to systems and methods for providing a user interface at a plurality of computing devices. A first interface application executing at a first computing device may determine a first state for a user interface. The first interface application may detect a set of user computing devices for providing the user interface to a user and select a second computing device that is in the set of user computing devices based at least in part on the first state of the user interface. The first interface application may send a description of the user interface to the second computing device.
    Type: Grant
    Filed: January 4, 2021
    Date of Patent: December 26, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Tambra Nichols, Teresa Lynn Rench, Jonathan Austin Hartsell, John C. Brenner, Christopher James Williams
  • Patent number: 11488262
    Abstract: Various examples are directed to systems and methods for interfacing a computing system to a human user. For example, a graphical user interface may be provided to a user. The graphical user interface comprises a holding shape and a first income source shape indicating a first income source. The holding shape comprises a filled portion having a first filled portion level indicating a first holding balance of an account of the user. A first deposit shape may be moved from the first income source shape towards the filled portion of the holding shape. The first deposit shape may indicate a first deposit to the account from the first income source. The filled portion may be resized to a second filled portion level indicating a second holding balance of the account after the first deposit.
    Type: Grant
    Filed: August 7, 2020
    Date of Patent: November 1, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Tambra Nichols, Daniel Sanford, Akiva D. Kates, Laura B. Yeager, Christopher J. Williams, Hampton B. Castleberry
  • Patent number: 11366890
    Abstract: Various examples described herein are directed to systems and methods for managing an interface between a user and a user computing device. The user computing device may determine that an audio sensor in communication with the user computing device indicates a first command in a user voice of the user, where the first command instructs the user computing device to perform a first task. The user computing device may determine that the audio sensor also indicates a first ambient voice different than the user voice and match the first ambient voice to a first known voice. The user computing device may determine that a second computing device associated with the first known voice is within a threshold distance of the user computing device and select a first privacy level for the first task based at least in part on the first known voice.
    Type: Grant
    Filed: July 15, 2020
    Date of Patent: June 21, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Tambra Nichols, Teresa Lynn Rench, Jonathan Austin Hartsell, John C. Brenner, Christopher James Williams
  • Patent number: 11341694
    Abstract: Various examples are directed to computer-implemented systems and methods for graphical representation of financial account outflow. The method includes obtaining, by a processor of a computer, a transaction of an account holder including an amount and frequency of the transaction, and categorizing the transaction on a continuum of discretionary spending and fixed expense spending. The transaction is displayed by the processor on a user interface using a graph having an x-axis providing a frequency of the at least one transaction, and a y-axis indicating the categorization of the transaction. The transaction is displayed as a bubble on the graph, where the bubble has a diameter that is proportional to the amount of the transaction.
    Type: Grant
    Filed: July 30, 2020
    Date of Patent: May 24, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Erik Schutzman, Tambra Nichols, Susan Bell McCraw, H. Brock Kolls
  • Publication number: 20220122044
    Abstract: A computer-implemented system and method comprising various procedures are provided for managing a transfer database. The method comprises creating in a memory, using a processor, a data object record in an object database. An asset is defined comprising an ownership transfer attribute comprising information identifying an original and transferee owner of the asset. The ownership transfer attribute also comprises a transfer condition attribute specifying a condition under which an ownership transfer of the asset is to occur, as well as a third-party benefit attribute comprising information identifying a third-party who is associated with the asset and a third-party value. The method facilitates engagement of the asset in a marketplace in which the asset may generate an asset revenue stream. The method further facilitates payment of a determined third-party amount of the asset revenue stream based on the third-party value to the third-party.
    Type: Application
    Filed: June 29, 2017
    Publication date: April 21, 2022
    Inventors: Yi M. Zhuo, Lin-Tine David Li, Robert Christian Brantley, Chris Gerard Baker, H. Brock Kolls, Regina Timmons, James Albert Foulis, Tambra Nichols
  • Publication number: 20220051581
    Abstract: A computer-implemented system and method are provided for preparing and transmitting an education content module to a user. The method comprises receiving educational information and processing the educational information to produce an education content module that is tagged based on its content with a content engine. The tagged module is stored in an educational content module database in a memory of the system. The following preferences are determined and stored: a user packaging preference for packaging of the education content module, a user delivery preference for delivering the education content module, and an educational interest preference for locating educational information. Responsive to a trigger criterion associated with the user being met, contents of the education content module are formatted into a formatted education content module according to the user packaging preference, and sent to the user via the network interface according to the user delivery preference.
    Type: Application
    Filed: August 13, 2018
    Publication date: February 17, 2022
    Inventors: John C. Brenner, Donna Marie Greene, Carter C. Hansen, Tambra Nichols, Elizabeth Long Swindler, Keith Meade Sykes
  • Patent number: 11237852
    Abstract: Profile information describing an attribute of a user is received from a network-based service. A selection of a goal relating to the attribute is received from the user. A start point of the user is determined with respect to the goal, where the start point is based on the profile information. A path is determined from the start point to the goal. A map on which the path is visually represented is generated and displayed. The progress of the user is tracked, including representing the user as being at a point on the path. A graphical depiction of a displayed incline of the path is changed based on the tracking of the progress of the user.
    Type: Grant
    Filed: July 31, 2020
    Date of Patent: February 1, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Erik Schutzman, Tambra Nichols, Susan Bell McCraw, H. Brock Kolls
  • Patent number: 11238406
    Abstract: A computer-implemented system and related method are provided for operating a digital inventory system. The method comprises receiving, from an imaging device, an image comprising an object and performing object recognition on the image to determine an object type of the object. The method further comprises determining when the object is to be added to an inventory database based on inventory rules stored in a memory of the digital inventory system. When these rules indicate that the object is to be added, the object is added to the inventory database. The method determines a value of the inventory object based on valuation information related to other objects of a same or similar object type. The value is associated with the inventory object. The inventory object is displayed along with its value on a computer display.
    Type: Grant
    Filed: August 9, 2017
    Date of Patent: February 1, 2022
    Assignee: Wells Fargo Bank, N.A
    Inventors: Yi M. Zhuo, Lin-Tine David Li, Robert Christian Brantley, Chris Gerard Baker, H. Brock Kolls, Regina W. Timmons, James Albert Foulis, Tambra Nichols
  • Publication number: 20220005114
    Abstract: Systems and methods for re-creating an experience of a user are provided. A plurality of financial transactions can be received. A plurality of parameters associated with each financial transaction of the plurality of financial transactions can be determined. A query can be received from a remote computing device. The query can include information identifying the experience. The information identifying the experience can be compared with the plurality of parameters associated with each financial transaction of the plurality of financial transactions. At least one financial transaction of the plurality of financial transactions can be identified as corresponding to the experience, based on a result of the comparison of the information identifying the experience with the plurality of parameters associated with each financial transaction of the plurality of financial transactions.
    Type: Application
    Filed: February 17, 2017
    Publication date: January 6, 2022
    Inventors: Tambra Nichols, Daniel Sanford, Tosha Wesley, Ximing Zhao
  • Publication number: 20210142317
    Abstract: A system, method, and apparatus using a server system associated with an global network payment system, including a processor and a memory having instructions stored in non-transitory machine-readable media, the instructions executable by the processor, is provided. The server system is structured to generate a web-based payment card by appending a web-based payment card prefix corresponding to the global network payment system to an account number associated with a customer account. The server system is also structured to receive an electronic transaction record from a financial transaction router, wherein the electronic transaction record includes packaged web-based payment data, the packaged web-based payment data including at least the web-based payment card prefix and the account number comprised in the web-based payment card. The server system is further configured to identify a customer account based on the electronic transaction record and process a payment from the customer account.
    Type: Application
    Filed: July 20, 2017
    Publication date: May 13, 2021
    Inventors: H. Brock Kolls, Tambra Nichols, Daniel Sanford, Tosha Wesley, Ximing Zhao
  • Publication number: 20210133695
    Abstract: A vehicle life cycle management system includes receiving real time vehicle information from a plurality of sensors associated with a vehicle. Financial information associated with an owner of the vehicle and external vehicle information are also received. A user interface including maintenance and financial information regarding the vehicle is generated based on the received information, and the user interface is displayed in the vehicle.
    Type: Application
    Filed: May 25, 2017
    Publication date: May 6, 2021
    Inventors: Tambra Nichols, Landon Massey, Jonathan Austin Hartsell, Kathy Balding, Marshall Dyson, Suhas D. Sankolli, Dennis Frederick Gutknecht, Sharon B. Drawdy
  • Patent number: 10887161
    Abstract: Various examples described herein are directed to systems and methods for providing a user interface at a plurality of computing devices. A first interface application executing at a first computing device may determine a first state for a user interface. The first interface application may detect a set of user computing devices for providing the user interface to a user and select a second computing device that is in the set of user computing devices based at least in part on the first state of the user interface. The first interface application may send a description of the user interface to the second computing device.
    Type: Grant
    Filed: October 16, 2017
    Date of Patent: January 5, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Tambra Nichols, Teresa Lynn Rench, Jonathan Austin Hartsell, John C. Brenner, Christopher James Williams
  • Patent number: 10783275
    Abstract: A method may include receiving content included in a social media post of a user; analyzing the content included in the social media post to determine a likelihood that the social media post contains security information associated with the user; transmitting an alert to a computing device of the user, based on the analyzing, that the content includes the security information associated with the user; and presenting an option to change the security information.
    Type: Grant
    Filed: March 20, 2018
    Date of Patent: September 22, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Tambra Nichols, Matthew P. Schlachtman, Michael A. Tilaro, Tleytmas N. Stephenson, Roohi Moolla
  • Patent number: 10769730
    Abstract: Various examples are directed to systems and methods for interfacing a computing system to a human user. For example, a graphical user interface may be provided to a user. The graphical user interface comprises a holding shape and a first income source shape indicating a first income source. The holding shape comprises a filled portion having a first filled portion level indicating a first holding balance of an account of the user. A first deposit shape may be moved from the first income source shape towards the filled portion of the holding shape. The first deposit shape may indicate a first deposit to the account from the first income source. The filled portion may be resized to a second filled portion level indicating a second holding balance of the account after the first deposit.
    Type: Grant
    Filed: January 11, 2018
    Date of Patent: September 8, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Tambra Nichols, Daniel Sanford, Akiva D. Kates, Laura B. Yeager, Christopher J. Williams, Hampton B. Castleberry
  • Patent number: 10768949
    Abstract: Profile information describing an attribute of a user is received from a network based service. Selection of a goal relating to the attribute is received from the user. A start point with respect to the goal is determined based on the profile information, and a path from the start point to the goal is determined utilizing a planning algorithm. A map is generated based on the path, which is visually represented on the map. At least one GUI descriptor is created, specifying instructions for rendering a user-specific GUI that displays the map.
    Type: Grant
    Filed: May 31, 2018
    Date of Patent: September 8, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Erik Schutzman, Tambra Nichols, Susan Bell McCraw, H. Brock Kolls
  • Patent number: 10755457
    Abstract: Various examples are directed to computer-implemented systems and methods for graphical representation of financial account outflow. The method includes obtaining, by a processor of a computer, a transaction of an account holder including an amount and frequency of the transaction, and categorizing the transaction on a continuum of discretionary spending and fixed expense spending. The transaction is displayed by the processor on a user interface using a graph having an x-axis providing a frequency of the at least one transaction, and a y-axis indicating the categorization of the transaction. The transaction is displayed as a bubble on the graph, where the bubble has a diameter that is proportional to the amount of the transaction.
    Type: Grant
    Filed: December 9, 2019
    Date of Patent: August 25, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Erik Schutzman, Tambra Nichols, Susan Bell McCraw, H. Brock Kolls
  • Patent number: 10748117
    Abstract: A system and related method manage a collaboration portal. The method comprises receiving, from a transferor resource, transfer information, which comprises identification of resources for a future transfer, identification of transferees comprising the transferees to whom the resources will transfer to in the future, transfer instructions related to the future transfer of the resources to the transferees, and access instructions that allow the transferees to access the resource transfer information. The resource transfer information is stored in a memory of the collaboration portal. The method further comprises, receiving, from a transferee, via a network interface, a request to access the resource transfer information, and providing, to the transferee, limited access to the resource transfer information based on the access instructions, using a processor of the collaboration portal.
    Type: Grant
    Filed: July 19, 2017
    Date of Patent: August 18, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Yi M. Zhuo, Lin-Tine David Li, H. Brock Kolls, Robert Christian Brantley, Chris Gerard Baker, Regina W. Timmons, James Albert Foulis, Tambra Nichols