Patents Assigned to Wells Fargo Bank, N.A.
  • Patent number: 11151845
    Abstract: A method comprises receiving, by a computing device from a customer device, a request to provision a financial account for the customer, associating, by the computing device, a mobile device with the requested financial account, and sending, by the computing device to the mobile device, authentication information for the requested financial account. The method further includes receiving the authentication information by the computing device from a financial terminal that received the authentication information from the mobile device, receiving, by the computing device, first location information of the mobile device, and provisioning, by the computing device and based on the first location information of the mobile device being within a predetermined distance of a location of the financial terminal, the requested financial account for the customer.
    Type: Grant
    Filed: February 9, 2021
    Date of Patent: October 19, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Shari Van Cleave, Darren Michael Goetz, Dennis Emmanuel Montenegro
  • Patent number: 11153097
    Abstract: A system, method, and apparatus for distributed extensible blockchain structures is provided. A system includes a parent blockchain. The parent blockchain includes a first block including first content, the first block stored at a first location, and a second block stored at a second location different than the first location. The second block includes second content and a first SignerInfo element. The first SignerInfo element includes a hash on the second content, a hash on the first content of the first block, a pointer to the first location of the first block, and a first SignatureValue element generated by digitally signing at least the hash on the second content, the hash on the first content, and the pointer to the first location.
    Type: Grant
    Filed: January 14, 2019
    Date of Patent: October 19, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Phillip H. Griffin
  • Patent number: 11151570
    Abstract: A computer-implemented system and method receive information regarding a funds transfer from a payor to a payee. The information is received by a depository computer system. The depository computer system forwards the information regarding the funds transfer to an account verification service computer system. The depository receives an indication of a real time account status of an account of the payor. The account status information is received from a paying bank computer system that maintains the account of the payor via the account verification service computer system. Release of the funds to the payee is authorized based on the account status information received via the account verification service computer system. The authorization occurs in real time relative to when the funds transfer information is initially received.
    Type: Grant
    Filed: December 13, 2019
    Date of Patent: October 19, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Al Hecht, Ann Kirk, Michael Miller, Karen Moore, Melanie Gipe
  • Patent number: 11151253
    Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of credentialing an application in a cloud environment. The application is determined to be a trusted application type. The application is provided with a certificate service process dedicated to request and receive a certificate from a source outside the cloud environment. An integration component retrieves the secret and provides it to the application that is inside the cloud environment. The secret is verified within the cloud environment and the application is deployed as a trusted application instance inside the cloud environment.
    Type: Grant
    Filed: May 17, 2018
    Date of Patent: October 19, 2021
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Brian J. Hanafee, Phillip John Crump
  • Patent number: 11144989
    Abstract: Among other things, embodiments of the present disclosure can help predict the optimal allocation for effecting payment transactions from, or deposit transactions to, multiple aggregated financial accounts for a user, even across accounts held in different countries or denominated in different currencies. The system may effect transactions automatically according to the identified optimal allocation, as well as providing users with options to handle transactions. Furthermore, embodiments of the present disclosure can enhance a user's visibility into future balances and transactions using a customized graphical calendar that illustrates a user's predicted future balances and transactions.
    Type: Grant
    Filed: April 24, 2020
    Date of Patent: October 12, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Jennifer Dione Bardouille, Sean Christopher Goldrick, Diane Lynn Hoehne, Wiyomi Rustia Quion
  • Patent number: 11144927
    Abstract: A financial institution computing system includes a network circuit enabling the financial institution computing system to exchange information over a network, a customer database storing financial information for a plurality of customers, and a transaction circuit. The transaction circuit is configured to receive a transaction request containing authentication information, the transaction request being created by a third party computing system associated with a third party, and pre-authorize the transaction request using information stored in the customer database.
    Type: Grant
    Filed: March 27, 2017
    Date of Patent: October 12, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventor: H. Brock Kolls
  • Patent number: 11144331
    Abstract: A method may include receiving a request to transfer a personal virtual assistant to a computing device, the personal virtual assistant including response preferences of a user; accessing a virtual assistant transfer protocol associated with the user, the virtual assistant transfer protocol including a sensitivity preference; applying the sensitivity preference to data associated with the personal virtual assistant to generate a virtual assistant transfer package; and transmitting the virtual assistant transfer package to the computing device.
    Type: Grant
    Filed: December 19, 2019
    Date of Patent: October 12, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Kristine Ing Kushner, John T. Wright
  • Patent number: 11144859
    Abstract: A computer-implemented method for scheduling an appointment between a user and a resource of a financial institution that includes receiving, at a first computing system associated with the financial institution, a plurality of user preferences regarding the appointment from a user. The user preferences may be received while the user is using a second computing system to conduct a network-based session with the first computing system. The method includes, identifying, by a rules engine, at least one representative of the financial institution based on the user preferences received from the user and scheduling the appointment between the user and the representative based on the identification of the representative.
    Type: Grant
    Filed: February 15, 2011
    Date of Patent: October 12, 2021
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Kristin Deegan, Karen Ann Yu, Robert M. Caccia, Katherine Joan McGee
  • Patent number: 11138305
    Abstract: Users can be authenticated based on pupil dilation response to a challenge prompt. In response to an authentication request, a registered challenge prompt and an expected pupil dilation response can be retrieved. The challenge prompt can include one or more images or a video designed to cause a pupil dilation response in a user. The challenge prompt is displayed to the user and the user's pupil dilation response is captured. The user's pupil dilation response is compared to the expected pupil dilation response. The user is authenticated based on the pupil dilation response and the expected pupil dilation response being substantially similar.
    Type: Grant
    Filed: May 28, 2020
    Date of Patent: October 5, 2021
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Noah L. Hughes, John Ervin Eisenhauer
  • Patent number: 11138486
    Abstract: A cardholder sleeve with selectable wireless communication capabilities is described. The cardholder sleeve includes two or more slots each configured to hold an integrated chip card. Each of the slots is surrounded by shielding material to shield the communication features of the card from skimming and prevent interference with other cards in the sleeve. The cardholder sleeve includes an internal card reader for each of the cards and a selection mechanism that enables a user to select a card in the cardholder sleeve for use. The cardholder sleeve further includes at least one transceiver in communication with the internal card readers that operates as a repeater to wirelessly transmit information read from the chip of the selected card by the respective internal card reader to external card readers such that the selected card need not be removed from the sleeve to be used.
    Type: Grant
    Filed: September 20, 2019
    Date of Patent: October 5, 2021
    Assignee: Wells Fargo Bank N.A.
    Inventors: John T. Wright, Kristine Ing Kushner
  • Patent number: 11138221
    Abstract: Systems and methods that facilitate data center infrastructure management are discussed. One such system can include a plurality of data center infrastructure management (DCIM) tools. Each DCIM tool can maintain data associated with one or more data centers. Such a system can also include a data aggregation component that can extract the maintained data from at least two of the plurality of DCIM tools and can transform the extracted data into a common format. Such a system can also include an aggregated database that stores the extracted data, and can include a user interface that can provide for simultaneous access to the plurality of DCIM tools.
    Type: Grant
    Filed: June 28, 2019
    Date of Patent: October 5, 2021
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Angelo Macugay, Ken Camut, Deb Motto, Jason Hill, Charlie Wands, Bob Culver
  • Patent number: 11138269
    Abstract: A system and related method dynamically modify a rule-based matching system. The process comprises receiving a rule set and a source data entity (SDE), and locating a plurality of matching data entities (MDEs) by searching a data node. The process further comprises, (a) determining a best MDE from the plurality of MDEs based on an MDE score created using the rule set, (b) receiving, a binary rater assessment rating that utilizes a factor that is independent of the rule set, the rater assessment comprising a binary degree of matching, (c) when the received binary rater assessment is yes, then designating the best MDE as an accepted MDE and updating information associated with the SDE, (d) when the received binary rater assessment is no, then eliminating the best MDE from the plurality of MDEs and repeating operations (a)-(d). The rule set is revised to dynamically produce a revised rule set.
    Type: Grant
    Filed: September 27, 2018
    Date of Patent: October 5, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Adam Sanders, David L. Frost, Christopher Shain
  • Patent number: 11138593
    Abstract: A method of activating a smart card includes issuing a smart card in a deactivated state such that the smart card is incapable of performing a transaction; receiving an authentication token from a mobile device via a wireless communication of the authentication token from the smart card in the deactivated state to the mobile device; extracting data from the authentication token; confirming the extracted data corresponds to stored data regarding a customer who was issued smart card; and in response to confirming the extracted data, enabling the smart card for a subsequent transaction.
    Type: Grant
    Filed: March 4, 2019
    Date of Patent: October 5, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Peter Ho
  • Patent number: 11138657
    Abstract: A distributed system includes a lending device that is configured to receive, from a user device, a real-time request for a loan associated with a service, where the request specifies at least an identifier of the user device and a specific amount of funds; determine, based at least on the specific amount of funds for the loan and on the identifier of the user device, to provide the loan to the user device; generate a digital token associated with the loan, where the digital token specifies usage restrictions that are associated with (i) an approved amount of funds, (ii) a duration of the loan, and (iii) a payee associated with a service device; and provide, the user device and/or the service device, the digital token associated with the loan, where the digital token is redeemable by the payee associated with the service device for the approved amount of funds.
    Type: Grant
    Filed: December 20, 2019
    Date of Patent: October 5, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Joel Eric Boeder, Chris Theodore Kalaboukis, Rameshchandra Bhaskar Ketharaju, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Andres J. Saenz, Makarand Shivadevuni
  • Patent number: 11140061
    Abstract: Techniques are described that determine whether applications and/or services operating in a network environment adhere to risk reduction policies. An example system includes one or more processors, a first agent, a second agent, a third agent, and a compliance analyzer. The first agent analyzes source code in a source code repository associated with an application executing in a network environment according to a first set of policies. The second agent analyzes artifacts of deployed assets on a target deployment environment associated with the application according to a second set of policies. The third agent analyzes access logs to the application according to a third set of policies. The compliance analyzer determines a risk of the application based on the analysis by the first, second, and third agents.
    Type: Grant
    Filed: December 1, 2020
    Date of Patent: October 5, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Adam Sanders, Keith Travis Witt
  • Patent number: 11138664
    Abstract: Client activity can be analyzed and risk candidates identified based on the client activities. A client database can be analyzed for determination of clients having a high risk for a financial institution. The determination is based on known activities of filtered clients where the activities are historically indicative of resulting in a loss for the financial institution. A target client profile representative of a high risk client may be selected. The client database can be mapped to find similar clients to be identified as a high risk of loss.
    Type: Grant
    Filed: November 11, 2019
    Date of Patent: October 5, 2021
    Assignee: WELLS FARGO BANK, N.A.
    Inventor: Mark Beere
  • Patent number: 11139964
    Abstract: An example method includes receiving an encrypted biometric enrollment data and user identifier data. The encrypted biometric enrollment data includes at least one biometric enrollment sample from a user encrypted using an encryption key. The encryption key is generated based on a user secret and the user identifier is associated with the user. The user identifier is matched with a stored user secret. A decryption key is generated based on the stored user secret. The encrypted biometric enrollment data is decrypted using the decryption key. The at least one biometric enrollment sample is retrieved from the decrypted biometric enrollment data. The at least one biometric enrollment sample is processed using a biometric processing algorithm to generate a biometric reference template. A biometric reference template identifier uniquely identifying the biometric reference template is generated. An encryption key is generated based on the stored user secret and encrypts an enrollment confirmation message.
    Type: Grant
    Filed: September 7, 2018
    Date of Patent: October 5, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Phillip H. Griffin
  • Patent number: 11138579
    Abstract: Identification information is received from a transaction card at a transaction machine. The transaction card is associated with an account holder using the transaction machine. Using an activity profile of the account holder, a determination is made to enable chained transactions during the account holder's use of the transaction machine. A sequence of user interfaces to display to the account holder is generated enabling the account holder to chain transactions based on the account holder chaining transactions during prior transaction machine usage.
    Type: Grant
    Filed: March 13, 2020
    Date of Patent: October 5, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Michael R. Thomas, Elizabeth Schrag, Jimmy Wang, Jerome Rhodes
  • Patent number: 11132693
    Abstract: Systems and methods for sharing financial accounts via a mobile wallet system are described. The mobile wallet system allows for a master wallet associated with a primary account holder to provide limited access to an account of the primary account holder to secondary users. The primary account holder can limit a secondary user's level of access to the funds in the account by establishing spending rules and limits for each secondary user. The rules and limits restrict the secondary users' abilities to spend funds in the account. The rule and limit types include spending limits, types of goods and services restrictions, store specific restrictions, purpose of purchase rules, purchase timing rules, geographic restrictions, group purchase rules.
    Type: Grant
    Filed: October 14, 2019
    Date of Patent: September 28, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Bipin Sahni, Uma Meyyappan, Stephen M. Ellis
  • Patent number: 11132465
    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 15, 2019
    Date of Patent: September 28, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Adam Sanders, David L. Frost