Patents Assigned to Wells Fargo Bank, N.A.
  • Patent number: 10268729
    Abstract: Techniques are described for evaluating message content in each of a plurality of messages in order to improve communication between customers and customer service representatives. The disclosed techniques enable efficient evaluation of the message content in each of the messages in order to determine a readability score for each of the messages. A computing device performs the efficient evaluation by processing the message content into a binary representation using a first value to represent vowels and a second value to represent non-vowels. The binarization of the message content allows the computing device to perform a syllable count and determine a readability score for each of the plurality of messages, which may include millions of messages. Based on the readability scores, the computing device may identify readability gaps between the representative messages and the customer messages, and generate subsequent representative messages that reduce the identified readability gaps.
    Type: Grant
    Filed: June 8, 2016
    Date of Patent: April 23, 2019
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Carmel Nadav
  • Patent number: 10262495
    Abstract: A method implemented on a first electronic computing device includes determining available lotteries for a user of the first electronic computing device. The user is authenticated on the first electronic computing device. An area of residence is confirmed for the user. First lotteries that are available in the area of residence of the user are identified. Second lotteries for which the user can qualify are identified. The second lotteries are a subset of the first lotteries. When one or more of the second lotteries are identified, identification information for the second lotteries is sent to a second electronic computing device for display to the user on the second electronic computing device.
    Type: Grant
    Filed: July 31, 2018
    Date of Patent: April 16, 2019
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Kourtney Eidam, Randy Matthew Prather
  • Patent number: 10262509
    Abstract: An electronic computing device includes a processing unit and system memory. The system memory includes instructions which, when executed by the processing unit, cause the electronic computing device to monitor audio from a conversation. One or more keywords are identified from the audio. A context of the conversation is identified from the audio. One or more alerts are displayed on a display screen of the electronic computing device. Each of the one or more alerts corresponds to the context of the conversation. Each of the one or more alerts corresponds to a notification to be communicated to an individual. One of the notifications is obtained. The notification is displayed on the display screen of the electronic computing device.
    Type: Grant
    Filed: May 8, 2018
    Date of Patent: April 16, 2019
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Kourtney Eidam, Michael T. Duke
  • Patent number: 10262326
    Abstract: A computing device that includes a card reader component including a card reader, a plurality of micro cameras positioned proximate to the card reader, a battery detector circuit, and processing circuitry in communication with the card reader component, the plurality of micro cameras, and the battery detector circuit is described. The processing circuitry is configured to analyze one or more images captured by the plurality of micro cameras, determine that one or more of the images captured by the plurality of micro cameras is obscured, in response to the determination that the one or more of the images of the plurality of micro cameras is obscured, initiate the battery detector circuit, and in response to the battery detector circuit detecting a presence of an external battery near the card reader, determine that a skimming device is affixed over the card reader component.
    Type: Grant
    Filed: July 31, 2017
    Date of Patent: April 16, 2019
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Raziq Yaqub
  • Patent number: 10262156
    Abstract: Systems and techniques for real-time feature level software security are described herein. A request may be received from a computing device for data from the feature of the software application. The request for data may include authorization information of a user of the computing device. It may be identified that the feature of the software application contains code containing a reference to a security configuration service. A security configuration may be determined for the feature of the software application by comparing a resource identifier and a feature identifier of the feature of the software application to a set of security configurations of the security configuration service. The security configuration may provide access rules for the feature of the software application. A response may be sent to the computing device based on a comparison of the received authorization information of the user of the computing device to the determined security configuration.
    Type: Grant
    Filed: April 29, 2016
    Date of Patent: April 16, 2019
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Adam Sanders, David L. Frost
  • Patent number: 10255429
    Abstract: Systems, methods, and other embodiments associated with setting an authorization level at enrollment. According to one embodiment, a method includes a accessing an interface on a device. Initiation information for a user of the device is provided to an authorizer. The authorizer is associated with a class. Verification data is received from the authorizer. An enrollment token is then generated based on the verification data. The enrollment token includes an authorization level that defines security parameters for the device.
    Type: Grant
    Filed: October 3, 2014
    Date of Patent: April 9, 2019
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Adam Evans Vancini, Christopher Phillip Clausen, Darrell L. Suen
  • Patent number: 10255589
    Abstract: Access controls for transferring funds from a customer to a designated recipient using a transaction machine and a one-time account and/or an authentication process that does not involve the use of a transaction card are disclosed. An example method (and system) can include storing identification data associated with a one-time account or transfer for the designated recipient of the one-time account; receiving authentication data from the transaction machine; determining that the user corresponds to the designated recipient using the received authentication data and the stored identification data; and executing the selected transaction after the determination.
    Type: Grant
    Filed: October 23, 2015
    Date of Patent: April 9, 2019
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Vincent Petruzzi, Andrew G. Foote, David Hatch
  • Patent number: 10242402
    Abstract: A computer-implemented method for initiating online collections that includes determining a current status of an account held by an account holder, determining a real-time financial profile of the account holder using information on the banking institution computer systems and third party information providers and displaying a customized status message based on the account holder's financial profile. The method provides remediation options to the account holder.
    Type: Grant
    Filed: September 9, 2014
    Date of Patent: March 26, 2019
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Benjamin Soccorsy, Larry Tewell, Susanne Carr
  • Patent number: 10242263
    Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of providing digital access to safety deposit boxes. The systems and methods provide a portal to digitally access a locker by a user. The systems and methods receive a request to access the locker from the user and authenticate the user to provide access. The systems and methods receive a trigger to capture an image of the locker and capture an image of the interior of the locker. The systems and methods identify items within the locker using recognition algorithms; and associate the items with identified labels. The systems and methods annotate the captured image with the identified labels, wherein the annotations are overlaid onto the capture image to create an augmented reality image of the locker. The systems and methods send the image to the user on a user device associated with the user.
    Type: Grant
    Filed: November 14, 2017
    Date of Patent: March 26, 2019
    Assignee: WELLS FARGO BANK, N.A.
    Inventor: Manpreet Singh
  • Patent number: 10242342
    Abstract: One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data. Similarly, renderings may be selected based on interaction capabilities or interaction options a user may have with different renderings or presentations. In other embodiments, user interaction with an automated teller machine (ATM), call center, vehicle, or other interface can be based on device properties or device capabilities.
    Type: Grant
    Filed: December 12, 2017
    Date of Patent: March 26, 2019
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Stephen M. Ellis, Bipin Sahni, David Hatch, Shahid Razzaq
  • Patent number: 10235630
    Abstract: An electronic computing device includes a processing unit and system memory. The system memory includes instructions which, when executed by the processing unit, cause the electronic computing device to obtain first data from a response rate by decile model. The first data includes response rates for responses received from one or more individuals or organizations in response to communications sent to the one or individuals or organizations. The first data is organized into deciles. Second data is obtained from the response rate by decile model. The second data includes a weighting percentage for each of the deciles. The first data and the second data are used to calculate a performance score for the response rate by decile model. The performance score provides an indication as to how well the response rate data is aligned by decile in the response rate by decile model.
    Type: Grant
    Filed: July 29, 2015
    Date of Patent: March 19, 2019
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Dane Wenzhen Wu
  • Patent number: 10235668
    Abstract: A computer-implemented method for receipt management includes receiving, using a mobile wallet stored on a mobile device of a user, receipts that include a record of transactions between the user and one or more merchants, the transactions being performed using the mobile wallet account of the user. The method includes receiving receipts for transactions that were not performed using the mobile wallet account of the user, the receipts being received from a user e-mail address, the receipts for non-mobile wallet transactions being received by the mobile wallet of the user. The method includes aggregating the mobile wallet receipts with the receipts of non-mobile wallet transactions and retrieving and displaying one or more of the mobile wallet receipts and the receipts of non-mobile wallet transactions.
    Type: Grant
    Filed: April 25, 2012
    Date of Patent: March 19, 2019
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Stephen M. Ellis, Michael J. Kennedy, Ashish Bhoopen Kurani, Melissa Lowry, Uma Meyyappan, Bipin Sahni, Nikolai Stroke
  • Patent number: 10237298
    Abstract: One or more embodiments of techniques or systems for session management, security scoring, and friction management are provided herein. Sessions may be monitored for commonalities or other attributes or aspects and closed, terminated, or a freeze placed on additional sessions from being initiated. A security score may be provided which is indicative of how secure a user is with respect to one or more ways the user interacts with a resource. One or more suggested actions or score improvement strategies may be suggested to facilitate improvement of a security score for a user. Friction management may be provided by having one or more additional layers of security applied to an account of a user or an entity based on suspicious behavior or other factors.
    Type: Grant
    Filed: April 23, 2015
    Date of Patent: March 19, 2019
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Traci H. Nguyen, Nairobi N. Kim, Ian Jensen, Upul Hanwella, Brian J. Hanafee, Christopher Wayne Howser, Ajay Panikkar, Michael Chang
  • Patent number: 10230743
    Abstract: Evaluating computers, devices, or endpoints on a network, such as a large network of computers in an enterprise environment. Detecting computers, devices, or endpoints that may present a security risk to the network or may be compromised in some way. Generating network traffic that, in some cases, should be ignored or should prompt specific, known responses. Detecting endpoint(s) that respond to such network traffic in an anomalous way, or otherwise attempt to perform certain operations based on such network traffic.
    Type: Grant
    Filed: May 12, 2016
    Date of Patent: March 12, 2019
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Matthew John Block, Adam Sheesley, Jon Matthew Welborn, James Robert Borecky, Jennifer A. Holton, Douglas S. Rodgers
  • Patent number: 10230844
    Abstract: One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data. Similarly, renderings may be selected based on interaction capabilities or interaction options a user may have with different renderings or presentations. In other embodiments, user interaction with an automated teller machine (ATM), call center, vehicle, or other interface can be based on device properties or device capabilities.
    Type: Grant
    Filed: December 16, 2016
    Date of Patent: March 12, 2019
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Stephen M. Ellis, Bipin Sahni, David Hatch, Shahid Razzaq
  • Patent number: 10231076
    Abstract: A method may include receiving, from a customer device, contextual location information about a customer and an interaction type, determining a location-based recommendation and an urgency level for the customer using the contextual location information, generating a routing protocol for communication with the customer based on the interaction type and the urgency level, and providing a communication to the customer according to the routing protocol, the communication including the location-based recommendation.
    Type: Grant
    Filed: September 16, 2016
    Date of Patent: March 12, 2019
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Gail Elizabeth Stuart, Andrew J. Garner, IV, Daniel S. Sumner, Prasanna Kumar Ammiraju, Dibyendu Chatterjee, Kshitindra Kumar Jain, Rameshchandra Bhaskar Ketharaju, Dinakar Channakal Krishnappa, Ravindar Rao Perala, Dinesh Sangtani, Mohan Gopal Kanala, Prashanth Kumar Merugu
  • Patent number: 10229442
    Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods for optimized communications based on a customer emotional state. In aspects of the system and method, a customer social media account is analyzed for past social media posts. Customer emotional states are determined for the past social media posts. The past social media posts are also associated with financial transactions made by the customer such that emotional states are linked to specific financial transactions. The system and method monitor the customer social media account for new social media posts. A new social media post can be detected. An emotional state can be determined for the new social media post. The system and method collect the financial transactions with the same emotional state. The system and method generate an offer for similar products and/or related to the financial transactions. The offer is communicated to the customer.
    Type: Grant
    Filed: December 17, 2015
    Date of Patent: March 12, 2019
    Assignee: WELLS FARGO BANK, N.A.
    Inventor: Roohi Moolla
  • Patent number: 10223754
    Abstract: A computer-implemented method for setting and tracking financial goals includes retrieving account information associated with a financial account of a user. The method also includes providing to the user via a user interface, prospective financial goals. The method further includes receiving from the user via the user interface, a selection of one of the financial goals. Further yet, the method includes monitoring the user's account information to track the user's progress towards the selected financial goal. In addition, the method includes providing to the user via the user interface, based on the monitoring of the user's account information, no more than three suggested actions to improve the user's progress towards the selected financial goal.
    Type: Grant
    Filed: June 9, 2015
    Date of Patent: March 5, 2019
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Gilberto Lopez, Leslie Rae Witt, Jeff D. Street, Nancy S. Middleton, Evan Siegel, Brittany Harris, Nonna A. Pastore, Ben Soccorsy, Todd Lawrence Denbo
  • Patent number: 10217108
    Abstract: A system includes an information wallet account associated with a user of the system, and a server having a memory and a processor. The processor is configured to receive a request for information, wherein the requested information is associated with the user, and retrieve a stored portion of the requested information from the information wallet account. If a portion of the requested information is not found within the information wallet account, the processor is configured to send a request for a remaining portion of the requested information to a user computing device of the user. The processor is also configured to send the requested information to an entity computing system associated with the entity as part of a transaction between the user and the entity, receive feedback from the entity computing system based on the transaction, and send an alert to the user computing system based on the feedback.
    Type: Grant
    Filed: March 3, 2014
    Date of Patent: February 26, 2019
    Assignee: WELLS FARGO BANK, N.A.
    Inventor: Al Hecht
  • Patent number: 10216191
    Abstract: A method implemented in an autonomous vehicle (AV) for facilitating house hunting using the AV, includes displaying on a display screen of the AV, a listing of one or more houses for sale in a specific geographical area. A selection is received of one or more houses from the listing of the one or more houses. A route is identified from a current geolocation of the AV to a geolocation of each of the one or more houses selected. The AV is automatically directed to drive to the geolocation of a first house on the route.
    Type: Grant
    Filed: June 13, 2017
    Date of Patent: February 26, 2019
    Assignee: Wells Fargo Bank, N.A.
    Inventors: George Muthui Bachia, Daniel Jerome Clifford, Haven Brock Kolls