Patents Assigned to Well Fargo Bank, N.A.
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Patent number: 11989198Abstract: A method may include presenting a user interface on a display device of a computing device, the user interface including: a search query input element; a plurality of graph type options; a graph level selection element; and a graph presentation area; receiving a search query inputted into the search query input element, the search query identifying a concept object in an ontology; retrieving data associated with the concept object from a graph database based on selections made in the graph type options and the graph level selection element, the data including a set of result objects related to the concept object; and rendering a hierarchical graph in the graph presentation area, the hierarchical graph illustrating the set of result objects and the concept object as interactive nodes.Type: GrantFiled: February 13, 2023Date of Patent: May 21, 2024Assignee: Wells Fargo Bank, N.A.Inventor: David Newman
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Patent number: 11989218Abstract: Systems, methods, and apparatuses for automated population of responses into query fields of a form are discussed. The responses are based on data in a networked user data repository maintained by a first party, and the form is presented by a second party. A login request for access to data in the user data repository may be received from a remote computing device. If access to the data in the user data repository is authorized, descriptors for at least one of the query fields may be received, and based on the descriptors, it may be determined whether any responses to any query fields are contained in the user data repository. Query fields may be populated with responses obtained through the data repository. The user provides the second party with information that is made available to the first party without separately inputting the information into the form of the second party.Type: GrantFiled: January 13, 2023Date of Patent: May 21, 2024Assignee: Wells Fargo Bank, N.A.Inventor: Imran Haider
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Patent number: 11989784Abstract: Disclosed in some examples are methods, systems, and machine readable mediums which provide for customized alerts for a user. Alerts may be described by a set of alert parameters. Alert parameters include the type of alerts, the frequency of alerts, and the content of the alerts. While the alert parameters may initially be set based upon the users explicitly entered preferences, the system may monitor one or more indicators to dynamically adjust one or more of the alert parameters. As the indicators allow the automated portfolio management system to respond to the needs of a user, these alerts may increase the personalization of automated portfolio management systems.Type: GrantFiled: January 12, 2023Date of Patent: May 21, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Duke Lee Gunn, Jr., Daniel Gracey, Jefferson Crew, Lisa Rome, Paresh Mutha
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Patent number: 11989735Abstract: A method includes receiving, from a user device, a transaction service request including a transaction identification and a transaction time; identifying a first plurality of lockbox locations that can complete the transaction service request based on the transaction identification and the transaction time, the first plurality of lockbox locations being within a threshold proximity of a geographic area associated with the user account; receiving, from the user device, a selection of one of the lockbox locations of the first plurality of lockbox locations that can complete the transaction service request; configuring a physical lockbox of the selected lockbox location; receiving an unlock attempt; and transmitting an unlock command to the physical lockbox to unlock the door of the physical lockbox based on a comparison of the unlock attempt to a lockbox locking passcode.Type: GrantFiled: May 17, 2023Date of Patent: May 21, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Miranda C. Hill, Alicia Y. Moore, Susan Symons
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Patent number: 11989774Abstract: 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: GrantFiled: November 19, 2018Date of Patent: May 21, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Clyde E. Cutting, Keith W. Harris, Erik Pilz, Wei Su, Eduardo DeLa Torre
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Patent number: 11989778Abstract: 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: GrantFiled: August 15, 2022Date of Patent: May 21, 2024Assignee: 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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Patent number: 11989783Abstract: A computer-implemented method and an interactive computer system has a user interface with computer software application tool(s) for retirement planning purposes. The user interface is generally referred to herein as an income dashboard.Type: GrantFiled: July 12, 2021Date of Patent: May 21, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Chad Allen Yarbrough, Christopher J. Healey, Jeff Timmermann
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Publication number: 20240160618Abstract: 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: ApplicationFiled: January 18, 2024Publication date: May 16, 2024Applicant: 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
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Publication number: 20240163233Abstract: 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: ApplicationFiled: January 19, 2024Publication date: May 16, 2024Applicant: Wells Fargo Bank, N.A.Inventor: Ravikant Kalluri
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Publication number: 20240161095Abstract: 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: ApplicationFiled: January 19, 2024Publication date: May 16, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Michael T. Duke, Dean Patrick Nolan
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Publication number: 20240160781Abstract: 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: ApplicationFiled: January 24, 2024Publication date: May 16, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Lila Fakhraie, Brian M. Pearce, Steven Pulido, Benjamin Soccorsy, James Stahley, Mojdeh Tomsich
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Publication number: 20240160780Abstract: 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: ApplicationFiled: January 24, 2024Publication date: May 16, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Lila Fakhraie, Brian M. Pearce, Steven Pulido, Benjamin Soccorsy, James Stahley, Mojdeh Tomsich
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USING NATIVE AND NON-NATIVE EVENTS TO CONTROL FUNDING/ACTIONS ON VARIOUS CONNECTED DIGITAL PLATFORMS
Publication number: 20240161139Abstract: 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: ApplicationFiled: January 23, 2024Publication date: May 16, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Sameer Aery, Nathan Bray, Frank Fehrenbach, Sreenivas Kodali, Ashish B. Kurani -
Publication number: 20240161182Abstract: 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: ApplicationFiled: January 23, 2024Publication date: May 16, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Naga Adapala, Kristin K. Koppelman, Carine P. Gursky, Gregg R. Napoli, Sushil Kumar Vyas
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Publication number: 20240161750Abstract: 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: ApplicationFiled: December 27, 2023Publication date: May 16, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Balin Kina Brandt, Laura Fisher, Marie Jeanette Floyd, Katherine J. McGee, Teresa Lynn Rench, Sruthi Vangala
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Patent number: 11983258Abstract: 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: GrantFiled: May 23, 2022Date of Patent: May 14, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Kourtney Eidam, Andrew J. Garner, IV, Dennis Emmanuel Montenegro
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Patent number: 11983717Abstract: 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: GrantFiled: December 30, 2021Date of Patent: May 14, 2024Assignee: Wells Fargo Bank, N.A.Inventor: Sotirios K. Barkas
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Patent number: 11983705Abstract: 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: GrantFiled: July 21, 2022Date of Patent: May 14, 2024Assignee: 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
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Patent number: 11985201Abstract: 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: GrantFiled: September 26, 2022Date of Patent: May 14, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Chintan Mehta, Jason Strle
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Patent number: 11983770Abstract: 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: GrantFiled: November 25, 2022Date of Patent: May 14, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Christina A. Trayers, Stuart Rehfuss, Julie A. Lane, Sue Murphy, Rodney E. O'Neal, Ashwin Pinto