Patents Assigned to N/A
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Publication number: 20250061439Abstract: Systems and methods for shared accounts may include a computing system which receives a request to form a shared account. The computing system may generate the shared account, transmit message(s) to second user device(s), generate link(s) between second accounts and the shared account, and establish a value associated with the shared account. The computing system may receive a selection to initiate a transfer, detect that the value satisfies a threshold criteria, identify an eligible member, and initiate a transfer based on a response from the eligible member.Type: ApplicationFiled: August 18, 2023Publication date: February 20, 2025Applicant: Wells Fargo Bank, N.A.Inventors: Ashish B. Kurani, Alan W. Hecht, Muhammad Farukh Munir, Darius A. Miranda, Benjamin Taylor, Traci Nguyen, Kourtney Eidam, Wairnola Marria Rhodriguez
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Publication number: 20250061392Abstract: A method and a system for using artificial intelligence (AI) techniques to generate explanations for infeasible constrained resource allocation problems are provided. The method includes: receiving, from a user, a request for a resource allocation that includes information that relates to resources to be allocated; receiving information that relates to mandatory constraints with respect to the request; determining that an infeasibility exists with respect to fulfilling the request in a manner that satisfies each of the constraints, by applying an AI algorithm that uses a mixed-integer optimization technique for identifying at least one constraint that is impossible to satisfy; and generating an explanation for the infeasibility based on a result of the determination that the infeasibility exists.Type: ApplicationFiled: August 16, 2023Publication date: February 20, 2025Applicant: JPMorgan Chase Bank, N.A.Inventors: Anton IPSEN, Rui Manuel Ramos Teixeira DA SILVA, Michael CASHMORE, Kirsty FIELDING, Nicolas MARCHESOTTI, Daniele MAGAZZENI, Manuela VELOSO
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Publication number: 20250060997Abstract: A method and a system for using artificial intelligence (AI) techniques to generate actionable recourses for resolving constrained resource allocation problems that would otherwise be infeasible are provided. The method includes: receiving, from a user, a request for a resource allocation that includes information that relates to resources to be allocated; receiving information that relates to mandatory constraints with respect to the request; determining that an infeasibility exists with respect to fulfilling the request in a manner that satisfies each of the constraints, by applying an AI algorithm that uses a mixed-integer optimization technique for identifying at least one constraint that is impossible to satisfy; and generating an actionable recourse for facilitating a fulfillment of the request in a manner that overcomes the infeasibility.Type: ApplicationFiled: August 16, 2023Publication date: February 20, 2025Applicant: JPMorgan Chase Bank, N.A.Inventors: Anton IPSEN, Rui Manuel Ramos Teixeira DA SILVA, Michael CASHMORE, Kirsty FIELDING, Nicolas MARCHESOTTI, Daniele MAGAZZENI, Manuela VELOSO
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Publication number: 20250061395Abstract: A provider computing system includes one or more processing circuits including one or more processors coupled to one or more memory devices having instructions stored thereon that, when executed by the one or more processors, cause the one or more processors to determine a user track for a user based on one or more of a user track selection received from a user device associated with the user or user information of the user. The instructions further cause the one or more processors to identify one or more features to provide to the user based on the user track. The instructions further cause the one or more processors to generate a user interface corresponding to the user track, the user interface including the one or more features. The instructions further cause the one or more processors to cause the user interface to be displayed to the user.Type: ApplicationFiled: August 18, 2023Publication date: February 20, 2025Applicant: Wells Fargo Bank, N.A.Inventors: Moses Harris, Ramsay Huntley, Aishah Miller, Placide Muhizi, Poonam Rao, Timothy Craig Seagren, Jud Murchie
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Publication number: 20250061487Abstract: A computing system includes at least one processing circuit to receive, via a network interface, an indication to link a user profile of a first third party system with an account of a provider institution; transmit, via the network interface, a request for interaction data of the first third party system; receive, via the network interface, the interaction data associated with the user profile; transmit, via the network interface, a request for third party information of a second third party system; receive, via the network interface, the third party information of the second third party system; compare the received interaction data and the received third party information to determine at least one correlation between the interaction data and the third party information; and transmit, via the network interface, to a user device, a notification based on the at least one correlation.Type: ApplicationFiled: August 17, 2023Publication date: February 20, 2025Applicant: Wells Fargo Bank, N.A.Inventors: Andrea Renee Leighton, Alexander Youngblood Windsor
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Publication number: 20250061432Abstract: Systems, methods, and computer-readable storage media utilized for transferring math based currency (“MBC”) at a financial institution. One method includes storing a plurality of private and public key pairs in a pooled database. The method further includes receiving, from a customer computing device of a customer, a request for an MBC address to transfer an amount of MBC to a recipient. The method further includes creating a first private and public key pair associated with a first MBC address. The method further includes providing, to the customer computing device, the first MBC address. The method further includes receiving, from an MBC wallet application, an MBC transaction request for the amount of MBC, the MBC transaction request comprising the first MBC address. The method further includes transferring the amount of MBC to the first MBC address and storing the first private and public key pair in the pooled database.Type: ApplicationFiled: November 4, 2024Publication date: February 20, 2025Applicant: Wells Fargo Bank, N.A.Inventor: Ashish B. Kurani
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Publication number: 20250061248Abstract: A method and a computing apparatus for generating a seat allocation plan are provided. The method includes: receiving a floorplan that corresponds to a floor of a building; analyzing the floorplan in order to determine a number of seats and to identify locations of the seats and locations of non-seating areas; receiving a first input that includes information that relates to a plurality of persons for which seat allocations are to be made; and determining, based on a result of the analyzing and the first input, a seat allocation plan. The determination of the seat allocation plan may be effected by applying an artificial intelligence (AI) algorithm that implements a Mixed Integer Programming and Constraint Reasoning technique with respect to the result of the analyzing and the first input.Type: ApplicationFiled: August 16, 2023Publication date: February 20, 2025Applicant: JPMorgan Chase Bank, N.A.Inventors: Rui Manuel Ramos Teixeira DA SILVA, Anton IPSEN, Kirsty FIELDING, Nicolas MARCHESOTTI, Michael CASHMORE, Daniele MAGAZZENI, Manuela VELOSO
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Publication number: 20250061218Abstract: A system for the management and administration of the integrity of a first set of databases. The system may comprise instructions that, when executed, cause a processor to: monitor the first set of databases to obtain current database activities; obtain a first set of current database activities that comprises a first indication of a first access of a first record within the first set of databases; based on historical first database activities, determine a first set of corresponding recipients that are each respectively associated with a respective set of previous database activities that corresponds to the first set of current database activities; and notify each corresponding recipient from among the first set of corresponding recipients of the first set of current database activities.Type: ApplicationFiled: October 2, 2023Publication date: February 20, 2025Applicant: JPMorgan Chase Bank, N.A.Inventors: Rohan RADIA, Simon BENCH, James Mark ISGER, Sowmya PRABHAKAR
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Publication number: 20250061301Abstract: A debug method implemented by a first near field communication (NFC) device includes a step of storing, in a memory of the first NFC device, one or more parameters which are associated with the operation of the first NFC device during a communication with a second distant NFC device. The first NFC device then uses an answer to select (ATS) communication, sent in response to receipt of an answer to select (ATS) communication, to send the stored one or more parameters to the second distant NFC device.Type: ApplicationFiled: August 12, 2024Publication date: February 20, 2025Applicant: STMicroelectronics International N.V.Inventors: Lucile MARGARIA, Philippe ALARY, Julien MERCIER
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Publication number: 20250062899Abstract: The arrangements of the present disclosure relate to systems, methods, and non-transitory computer-readable media for receiving, from a first computing system, coefficient information comprising coefficients of a polynomial series determined based on an analytical function, wherein the analytical function represents a cryptographic material, determining the analytical function using the coefficient information, determining the cryptographic material using the analytical function, and performing a cryptographic operation using the cryptographic material.Type: ApplicationFiled: August 15, 2023Publication date: February 20, 2025Applicant: Wells Fargo Bank, N.A.Inventors: Richard Orlando Toohey, Jeffrey J. Stapleton
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Publication number: 20250063055Abstract: The arrangements disclosed herein relate to systems, apparatus, methods, and non-transitory computer readable media for receiving, by a server from a first device via a quantum channel, first verification information associated with a user of the first device. The server determines that the first verification information fails to verify against second verification information. In response to determining that the first verification information fails to verify against second verification information, the server stores the first verification information. In response to receiving, by the server from a second device, the first verification information and device information of the second device, the server flags the device information of the second device as a potential origin of fraud.Type: ApplicationFiled: August 15, 2023Publication date: February 20, 2025Applicant: Wells Fargo Bank, N.A.Inventors: Richard Orlando Toohey, Jeffrey J. Stapleton
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Patent number: 12229736Abstract: A computer implemented method performed by a global transaction processing system includes receiving an information item from an originator and generating an originator profile based on the information item. The method includes receiving a transaction request initiated by the originator, the transaction request including transactional data. The method includes validating the transactional data to determine whether the transaction request includes a defect. The method includes, responsive to determining that the transaction request includes a defect, determining whether the transaction request is automatically repairable. The method also includes, responsive to determining that the transaction request is automatically repairable, generating a repaired processed transaction data packet based on the originator profile.Type: GrantFiled: April 5, 2021Date of Patent: February 18, 2025Assignee: Wells Fargo Bank, N.A.Inventors: James McGinlay, Robert Ortiz, Barbara Stockler, Joanne Strobel-Cort, Leonard J. Valentino
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Patent number: 12231549Abstract: Systems, apparatuses, methods, and computer program products are disclosed for authentication of devices. An example method includes an authentication technique utilizing authentication tokens. Authentication tokens may be bit strings associated with time intervals and may be derived from quantum particles. Quantum particles may be obtained by two or more devices in a continuous stream via quantum key distribution. Devices throughout a distributed system may read the quantum particles at previously established time intervals, obtain bit strings, and use the bit strings as authentication tokens to perform one, multiple, and/or continuous authentication processes. Each device may have access to matching authentication tokens without exchanging any authentication tokens between devices and, therefore, the authentication tokens may be used as shared secrets to facilitate a more secure connection between devices.Type: GrantFiled: January 3, 2023Date of Patent: February 18, 2025Assignee: Wells Fargo Bank, N.A.Inventor: Jeff J. Stapleton
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Patent number: 12231427Abstract: A wireless communication system enables one-sided authentication of a responder device (120) by an initiator device (110) and mutual authentication of both devices. Embodiments of the initiator may have a message unit (116) and a state machine (117). The initiator starts by acquiring a responder public key via an out-of-band action and sends an authentication request. The responder sends an authentication response comprising responder authentication data based on a responder private key and a mutual progress status indicative of the mutual authentication being in progress for enabling the responder device to acquire an initiator public key via a responder out-of-band action. The initiator state machine is arranged to provide a mutual authenticating state, engaged upon receiving the mutual progress status, for awaiting mutual authentication. Thereby long time-out periods during wireless communication are avoided, while also enabling the initiator to report communication errors to the user within a short time.Type: GrantFiled: August 4, 2023Date of Patent: February 18, 2025Assignee: Koninklijke Philips N.V.Inventors: Johannes Arnoldus Cornelis Bernsen, Franciscus Antonius Maria Van De Laar, Ronald Felix Albertus Linders
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Patent number: 12229950Abstract: A controller for assisting navigation in an interventional procedure includes a memory that stores instructions and a processor (310) that executes the instructions. When executed by the processor (310), the instructions cause the controller to implement a process that includes obtaining (S410) a three-dimensional model generated prior to an interventional procedure based on segmenting pathways with a plurality of branches in a subject of the interventional procedure. The process also includes determining (S470), during the interventional procedure, whether a current position of a tracked device (250) is outside of the pathways in the three-dimensional model. When the current position of the tracked device (250) is outside of the pathways in the three-dimensional model, the process includes deforming (S480) the three-dimensional model to the current position of the tracked device (250).Type: GrantFiled: March 13, 2020Date of Patent: February 18, 2025Assignee: KONINKLIJKE PHILIPS N.V.Inventors: Torre Michelle Bydlon, Paul Thienphrapa, Alvin Chen
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Patent number: 12229746Abstract: A method implemented on an augmented reality (AR) electronic device includes receiving a request to activate a transaction card account on a transaction card. The transaction card account is activated on the transaction card. A virtual representation of account information corresponding to the transaction card account is displayed on the AR electronic device. The exterior of the transaction card is free of account identifying information.Type: GrantFiled: October 3, 2023Date of Patent: February 18, 2025Assignee: WELLS FARGO BANK, N.A.Inventors: John Ross Neale, William R. Breed, Jasvir K. Singh, Geraldine M. Carolan, Kristine Collings, Kourtney Eidam
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Patent number: 12229385Abstract: Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information. A user additionally is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal.Type: GrantFiled: February 12, 2024Date of Patent: February 18, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Lila Fakhraie, Brian M. Pearce, Steven Pulido, Benjamin Soccorsy, James Stahley, Mojdeh Tomsich
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Patent number: 12229984Abstract: A positioning control system for a patient carrier comprises a camera system to acquire image information from a detection range. An analysis module configured to access the acquired image information from the detection range and compute operator-activity within the detection range from the acquired image information. The operator-activity representing a spatio-temporal pattern of activities of an operator in the detection range. From the operator activity compute a location of a target anatomy that is selected to be imaged. The location of the target anatomy that is to be imaged can be derived from the spatio-temporal activity pattern of the operator during the preparation of the patient to be examined.Type: GrantFiled: October 15, 2019Date of Patent: February 18, 2025Assignee: Koninklijke Philips N.V.Inventors: Sascha Krueger, Julien Senegas
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Patent number: 12229537Abstract: Various methods, apparatuses/systems, and media for automatically building an application framework are disclosed. An internal database stores available design patterns and code snippets for developing an application. A receiver receives, as input, a requirement document that includes one or more requirements for developing the application. A processor parses the requirement document by implementing a natural language processing algorithm; creates, based on the parsed requirement document, a plurality of code blocks for generating a structure and a design pattern to be used to develop the application by matching the one or more requirements with the available design patterns; accesses the database to obtain the code snippets for the plurality of code blocks; and automatically builds an application framework based on the code snippets.Type: GrantFiled: May 26, 2023Date of Patent: February 18, 2025Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Mohammed Ahamed Mohiseen, Rohit Nilekar
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Patent number: 12228526Abstract: A focusing grating device (100) is described comprising a substrate (402) and a grating comprising a plurality of grating features (408) positioned on the substrate (402). The grating features (408) are positioned non-perpendicular to the substrate surface, thereby inducing a first focusing direction. The substrate (402) is curved, thereby inducing a second focusing direction, which is different from the first focusing direction. An X-ray system (300) comprising such a focusing grating device (100) as well as a method for producing such a focusing grating device (100) are also described.Type: GrantFiled: March 25, 2021Date of Patent: February 18, 2025Assignee: KONINKLIJKE PHILIPS N.V.Inventors: Thomas Koehler, Gereon Vogtmeier