Patents Assigned to Wells Fargo Bank, N.A.
  • 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
  • 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: 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: 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: 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: 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: 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
  • 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: 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: 11977658
    Abstract: Composite biometric authentication is provided to multiple users that share a financial account. The users can enroll the account for composite biometric authentication. The enrollment can include recording multiple biometrics of each user and storing them as a composite to use in authenticating user requests to authorize transactions involving the shared financial account. A unique combination of biometrics can be generated including a biometric of the multiple biometrics of each of the users and stored such that the unique combination must be provided to authenticate a future user request. To proceed with a transaction, a user of the multiple users initiates the transaction and provides their part of the unique combination. The other users provide their part of the unique combination by providing the specific biometric of the multiple biometrics they have previously provided. The transaction proceeds when all shares of the unique combination are provided and authenticated.
    Type: Grant
    Filed: February 1, 2023
    Date of Patent: May 7, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Rameshchandra Bhaskar Ketharaju
  • Patent number: 11978109
    Abstract: Systems and methods provide for integrating a wallet client with federated directory services are disclosed herein. By integrating merchant services, such as directory services with a wallet service provider, wallet clients on mobile devices can have access to all merchant listings without having to manually add each directory service. The system disclosed herein integrates Chamber of Commerce directory service listings with the wallet client, such that when a request for a merchant directory service is received from a device associated with the wallet client, the request is forwarded to a federated directory service wallet system interface operated by a Chamber of Commerce site. Supply chain data that matches the request, and location information that is included in the request, is then fetched from the federated directory service wallet system interface and forwarded to the device that sent the request.
    Type: Grant
    Filed: November 9, 2022
    Date of Patent: May 7, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Thomas Hayes
  • Patent number: 11978033
    Abstract: A system includes a secondary computing device not owned by a user, a hardware processor, a memory and instructions that cause the processor to generate a transient wallet identifier (ID) for a transient mobile wallet, the transient mobile wallet being of limited duration, and provide a configuration user interface the user, presenting configuration information for the transient mobile wallet. The processor also identifies a usage specification for the transient mobile wallet defining allowed uses for the transient mobile wallet. The processor also activates the transient mobile wallet on the secondary computing device, receives a payment transaction approval request, compares the payment transaction data to the usage specification, determines that the payment transaction data is non-conforming, and transmits a rejection message for the first payment transaction.
    Type: Grant
    Filed: April 3, 2023
    Date of Patent: May 7, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Joon Maeng
  • Patent number: 11979452
    Abstract: A system includes a data storage system, and a processor and program logic. The program logic includes a management console, including interface logic configured to provide a user interface. The interface logic is also configured to receive a request to record a demo of a Web application via the user interface. The program logic also includes a recording utility. The recording utility includes recording logic configured to, upon receiving the request to record, capture a first instance of underlying client-side code and assets utilized to render the Web application. The program logic further includes data consolidation and storage logic configured to save the first instance to a database. Further yet, the program logic includes demo editing logic configured to create a demo of the Web application based on the first instance.
    Type: Grant
    Filed: May 18, 2020
    Date of Patent: May 7, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Christina Luah, Marcus Lee
  • 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: 11978475
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for predicting an emotion based on speech and text derived from the speech. An example method includes capturing speech and generating hidden vectors based on the speech and text derived from the speech. The example method further includes generating a word aligned hidden vector based on the speech hidden vector and text hidden vector. The example method further includes generating a hidden vector based on the word aligned hidden vector and the text hidden vector. The example method further includes, after further processing of the final vector, generating one or more probabilities corresponding to one or more emotions. The example method finally includes determining a next action based on the generated one or more probabilities corresponding to one or more emotions.
    Type: Grant
    Filed: September 3, 2021
    Date of Patent: May 7, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Vinothkumar Venkataraman, Rahul Ignatius, Renuka Mannem, Naveen Gururaja Yeri, Paul Davis
  • 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