Patents Assigned to Well Fargo Bank, N.A.
  • Patent number: 11989778
    Abstract: A method includes generating an alias that obscures identity information of a user by a remote provider computing system and receiving information relating to a prospective transaction via a digital funding group client application associated with a user computing device and communicatively coupled to the remote provider computing system via a network. The method further includes monitoring a system idle timer of the user computing device and resetting the system idle timer at predetermined time intervals, thereby maintaining the user computing device in active mode. The method further includes, while maintaining the user computing device in active mode, performing an electronic search for a sponsorship opportunity via the network, receiving a search result dataset via the network, generating a displayable result set based on the search result dataset, and rendering the displayable result set on a display. The displayable result set includes at least one prospective sponsor.
    Type: Grant
    Filed: August 15, 2022
    Date of Patent: May 21, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Sotirios K. Barkas, Yon W. Lee, Darius A. Miranda, Marria Rhodriquez, Darrell L Suen, John T. Wright
  • Patent number: 11989774
    Abstract: Systems, methods, and apparatuses are described for providing trusted data. A digital trusted data (DTD) computing system of a service provider can accept requests for trusted data from internal computing systems and/or external computing systems of third parties. Based on the data requested, a retrieval protocol is determined, the retrieval protocol identifying trusted data sources and a sequence (order and/or timing) for accessing the data sources. The trusted data sources may, for example, be internal computing systems, external computing systems, and/or documents provided by a client. The requested data may be used for populating a form being completed by the client as part of an application for services from the service provider or from a third party. Data can be retrieved from data sources that are less cumbersome for the client before sources that are more cumbersome are accessed.
    Type: Grant
    Filed: November 19, 2018
    Date of Patent: May 21, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Clyde E. Cutting, Keith W. Harris, Erik Pilz, Wei Su, Eduardo DeLa Torre
  • Publication number: 20240161095
    Abstract: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.
    Type: Application
    Filed: January 19, 2024
    Publication date: May 16, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Michael T. Duke, Dean Patrick Nolan
  • Publication number: 20240161750
    Abstract: Systems, methods, and devices provide a user experience capable of integrating robo-advising with human advising based on various inputs that are actively detected. Inputs from a conversation, or multiple conversations separated in time, may be analyzed to determine, based on voice inputs, that live communications should be initiated. Based on triggers identified, a robo-advising session may additionally or alternatively be initiated. Transitions between advising sessions may be facilitated to allow users to more efficiently employ robo-advising until human advising is triggered.
    Type: Application
    Filed: December 27, 2023
    Publication date: May 16, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Balin Kina Brandt, Laura Fisher, Marie Jeanette Floyd, Katherine J. McGee, Teresa Lynn Rench, Sruthi Vangala
  • Publication number: 20240161182
    Abstract: A provider institution computing system includes a customer database structured to retrievably store information relating to a customer of an originator institution associated with an originator computing system and a transaction processing circuit coupled to the customer database.
    Type: Application
    Filed: January 23, 2024
    Publication date: May 16, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Naga Adapala, Kristin K. Koppelman, Carine P. Gursky, Gregg R. Napoli, Sushil Kumar Vyas
  • Publication number: 20240160780
    Abstract: Systems, methods, and apparatuses for providing a central location to manage permissions provided to third-parties and devices to access and use user data and to manage accounts at multiple entities. A central portal may allow a user to manage all access to account data and personal information as well as usability and functionality of accounts. The user need not log into multiple third-party systems or customer devices to manage previously provided access to the information, provision new access to the information, and to manage financial or other accounts. A user 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. The user is able to impose restrictions on how user data is used by devices, applications, and third-party systems, and control such features as recurring payments and use of rewards, via a central portal.
    Type: Application
    Filed: January 24, 2024
    Publication date: May 16, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Lila Fakhraie, Brian M. Pearce, Steven Pulido, Benjamin Soccorsy, James Stahley, Mojdeh Tomsich
  • Publication number: 20240161139
    Abstract: A method of using native events to control incentives includes creating, by a processing circuit, a master account and a subordinate account linked to the master account; receiving, by the processing circuit and from the master account, a first task and an associated incentive for the first task; detecting, by the processing circuit, a native event regarding the first task by receiving geolocation data of a user device associated with the subordinate account; determining, by the processing circuit, a completion of the first task by comparing the geolocation data to a location associated with the first task to detect the native event; and implementing, by the processing circuit, an action corresponding to the associated incentive based on detecting the completion of the first task.
    Type: Application
    Filed: January 23, 2024
    Publication date: May 16, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Sameer Aery, Nathan Bray, Frank Fehrenbach, Sreenivas Kodali, Ashish B. Kurani
  • Publication number: 20240160618
    Abstract: Systems and methods can include a provider institution accounts database structured to retrievably store data corresponding to a plurality of entities including a primary entity related to a plurality of secondary entities. The data for each of the plurality of entities may include values for a plurality of fields associated with the respective entity. A data management circuit may be configured to detect that one or more fields corresponding to at least one of the secondary entities has a value which is to be updated. The data management circuit may generate a first user interface that causes the user to confirm authorization to provide the value for the one or more fields, and a second user interface including a field for receiving the value. The data management circuit may receive the value, and update the data corresponding to the at least one secondary entity in the provider institution accounts database.
    Type: Application
    Filed: January 18, 2024
    Publication date: May 16, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Sudipta Kitsis, Jose Salazar, Lashana Wiggs, Michael Annetti, Rohit Bodhale, Sachin Rege, Melissa Meacham, Anya Carpentier, Vinay Maganti, Jacquelin Macdonald, Todd Lewis
  • Publication number: 20240160781
    Abstract: Systems, methods, and apparatuses for providing a central location to manage permissions provided to third-parties and devices to access and use user data and to manage accounts at multiple entities. A central portal may allow a user to manage all access to account data and personal information as well as usability and functionality of accounts. The user need not log into multiple third-party systems or customer devices to manage previously provided access to the information, provision new access to the information, and to manage financial or other accounts. A user 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. The user is able to impose restrictions on how user data is used by devices, applications, and third-party systems, and control such features as recurring payments and use of rewards, via a central portal.
    Type: Application
    Filed: January 24, 2024
    Publication date: May 16, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Lila Fakhraie, Brian M. Pearce, Steven Pulido, Benjamin Soccorsy, James Stahley, Mojdeh Tomsich
  • Publication number: 20240163233
    Abstract: Disclosed are example machine-learning approaches for determining maturity metrics of chatbot users. One or more datasets with words used during past conversations between a chatbot and a set of users with known maturity metrics are generated. A machine learning model is trained by applying machine learning to the one or more datasets such that the machine learning model is trained to output maturity metrics based on words received as inputs. A set of words or phrases spoken or written by the user during a conversation is fed to the machine learning model to determine a maturity metric of the user. A response is identified based on the determined maturity metric, and the response is presented during the conversation with the user. Words and phrases of a user conversing with a chatbot are used to determine the user's age or another maturity metric to generate responses that enhance the user experience.
    Type: Application
    Filed: January 19, 2024
    Publication date: May 16, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventor: Ravikant Kalluri
  • Patent number: 11983705
    Abstract: A method for preventing the double-spending of digital currency that transfers between multiple distributed ledger technology (DLT) networks. The method includes receiving a message including a smart contract and executing the smart contract. The method further includes detecting a transaction request to transfer the first digital currency from the first DLT network to the second DLT network. The method further includes destroying the digital currency and creating, based on the unit of fiat currency, a second digital currency of a second type on the second DLT network. The method further includes transferring, responsive to detecting the transaction request, the first digital currency from the first DLT network to the second DLT network.
    Type: Grant
    Filed: July 21, 2022
    Date of Patent: May 14, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Abhijit Shetti, Laura Marie Fontana, Rameshchandra B. BhaskarKetharaju, Andrew J. Garner, IV, Nikolai Stroke, Duc Trinh, Mabel Oza, Todd Biggs
  • Patent number: 11983717
    Abstract: Methods and systems of authorizing transaction requests are disclosed. A financial institution computing system includes a network circuit exchanging information over a network, a customer database storing financial and identification code information for a plurality of customers, and a transaction circuit. The transaction circuit receives a transaction request over the network that specifies a financial account and includes a first identification code provided by an authentication device in conjunction with a separate customer computing device. The transaction circuit authenticates the transaction request by determining whether the first identification code is associated with an authorized user of the financial account specified in the transaction request, authorizes the transaction request, and transmits a confirmation to a transaction terminal over the network via the network circuit.
    Type: Grant
    Filed: December 30, 2021
    Date of Patent: May 14, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Sotirios K. Barkas
  • Patent number: 11983770
    Abstract: A system for generating rate and payment information for a customer receives an inquiry type from a customer relating to a loan or mortgage. The system also receives a value specific to the potential loan or mortgage. In combination with a product and policy database and a pricing/fee database, relevant financial products are determined and provided to the customer. The inquiry type can include buying a property, refinancing a mortgage, improving a property, and/or using funds from a property.
    Type: Grant
    Filed: November 25, 2022
    Date of Patent: May 14, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Christina A. Trayers, Stuart Rehfuss, Julie A. Lane, Sue Murphy, Rodney E. O'Neal, Ashwin Pinto
  • Patent number: 11985201
    Abstract: A system for user registration and preference configuration for a data sharing platform is provided. The system comprises a database system containing data relating to a plurality of users and user profile configuration settings relating to the plurality of users and memory storing instructions that, when executed by one or more processors, cause the one or more processors to generate a graphical user interface and provide the graphical user interface over a network to a user device, receive a user profile configuration setting and a designation of at least one experience provider with which to share data of the user, and store, in the database system via associate linking, the user profile configuration setting and the designation of the at least one experience provider with which to share data of the user.
    Type: Grant
    Filed: September 26, 2022
    Date of Patent: May 14, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Chintan Mehta, Jason Strle
  • Patent number: 11983258
    Abstract: Techniques are described for enabling a user to access a secure system based on vital signs of the user that are collected by a wearable device worn by the user. The vital signs of the user may be used as an extra level of security when accessing the secure system. For example, a computing device may automatically validate that a user requesting access to a secure system is a person and not a robot based on receipt of vital signs of the user. As another example, a computing device may operate as a secure access badge that first analyzes vital signs of a user to confirm that the user is not in distress before sending an access signal to gain access to a secure system. In either example, the computing device may be a wearable device, or be paired to a wearable device to receive the vital signs.
    Type: Grant
    Filed: May 23, 2022
    Date of Patent: May 14, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Kourtney Eidam, Andrew J. Garner, IV, Dennis Emmanuel Montenegro
  • Patent number: 11978042
    Abstract: Systems, methods, and apparatuses for setting credentials for accounts, or cards associated with accounts, are provided. A queue of credentials may be maintained for facilitating access to at least one account of a user. Credentials in the queue may be automatically generated using information provided by the user without additional input from the user. A deactivation event relating to the account may be detected, in response to which one credential for the account may be deactivated. A new credential from the queue may be activated to facilitate access to the account.
    Type: Grant
    Filed: August 3, 2022
    Date of Patent: May 7, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Gerard K. Cohen, Michelle D. Green, Christopher P. Smith
  • Patent number: 11977603
    Abstract: Disclosed is an approach for evaluating internal consistency of object classifications using machine learning modeling. In an example, models are iteratively trained, using supervised learning, on different majority segments (e.g., about 90%) of a dataset as training data segments. Trained models can be applied to the remaining data (e.g., about 10%) as test data segments to obtain, for each object, a predicted classification and a confidence score. Models in training iterations (e.g., 10 iterations) may be independently trained on substantially non-overlapping test data segments (with each iteration testing, e.g., about 10% of the dataset). When a model's predicted classification disagrees from a prior classification, and the confidence of the prediction is sufficiently high (indicating sufficiently strong disagreement), the object's prior classification may be revised. Training data, other than the data itself being evaluated for consistency, is not necessarily required.
    Type: Grant
    Filed: October 16, 2020
    Date of Patent: May 7, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Carleton J. Lindgren, Manesh Saini, Hasan Adem Yilmaz
  • Patent number: 11978026
    Abstract: A method for transferring funds to a second electronic computing device includes establishing a first pre-paid payment account on a first electronic computing device. The first pre-paid payment account is used to establish one or more second pre-paid payment accounts. The one or more second pre-paid payment accounts have a value that is less than or equal to the first pre-paid payment account. A first account identifier is obtained for one of the second pre-paid payment accounts. The first account identifier is sent to the second electronic computing device. The sending of the first account identifier to the second electronic computing device results in a transfer of ownership of the one more second pre-paid accounts from a first user at the first electronic computing device to a second user at the second electronic computing device.
    Type: Grant
    Filed: June 16, 2023
    Date of Patent: May 7, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Thomas B. Hayes
  • Patent number: 11978039
    Abstract: The innovation discloses systems, methods and computer program products that reduce complexity and associated measures that are taken to ensure trust in secured transactions as necessitated by requirements present only in an ecommerce environment that do not have a parallel with traditional bricks and mortar commercial transactions. The innovation enables a multitude of mobile wallet applications to engage and obtain services from ecommerce applications wherein backend processing by a mobile wallet server obtains and delivers funds to ecommerce applications without sharing a subset of sensitive data, associated with a mobile wallet application user for the secured transactions. The innovation further provides for a wallet network to be initiated and engaged in which the secured transactions can take place, adopting and adapting social network application connectivity.
    Type: Grant
    Filed: June 8, 2023
    Date of Patent: May 7, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Sudheendranath R. Bhatt, Ramanathan Ramanathan, Sai Krishna Madhavi Chitta, Rahul N. Jain, Pradeep R. Kumar, Rameshchandra Bhaskar Ketharaju, Mushnuri Veera Venkata Kiran Kumar
  • Patent number: 11978094
    Abstract: A pervasive advisor for major purchases and other expenditures may detect that a customer is contemplating a major purchase (e.g., through active listening). The advisor may assist the customer with the timing and manner of making the purchase in a way that is financially sensible in view of the customer's financial situation. A customer may be provided with dynamically-updated information in response to recent actions that may affect an approved loan amount and/or interest rate. Underwriting of a loan may be triggered based on the geo-location of the user. Financial advice may be provided to customers to help them meet their goals using information obtained from third party sources, such as purchase options based on particular goals. The pervasive advisor may thus intervene to assist with budgeting, financing, and timing of major expenditures based on the customer's location and on the customer's unique and changing circumstances.
    Type: Grant
    Filed: April 14, 2023
    Date of Patent: May 7, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Balin K. Brandt, Laura Fisher, Marie Jeanette Floyd, Katherine J. McGee, Teresa Lynn Rench, Sruthi Vangala