Patents Assigned to Wells Fargo Bank, N.A.
  • Patent number: 11509727
    Abstract: A method for managing a communication session includes receiving a request to perform a task. The task is divided into one or more steps. One or more user devices are identified that can be used to perform one or more of the steps. One or more communication channels are identified that are available to the one or more user devices. The communication session is permitted to switch from one or more of the user devices and communication channels to complete the one or more steps of the task while maintaining a continuity of the communication session.
    Type: Grant
    Filed: July 7, 2020
    Date of Patent: November 22, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Suzanne M. Fisi, Kristine Ing Kushner, Stephanie S. Hellman, Joel Gardner, John Chuprevich, Ayesha Hasan, Darrell L. Suen, Chris Kalaboukis
  • Patent number: 11508221
    Abstract: Systems and methods relating to a lockbox bank for currency drop-offs are provided. A lockbox bank includes one or more lockboxes, a safe coupled to the one or more lockboxes, and a terminal of a lockbox computing system. Each lockbox includes a receptacle configured to receive a currency drop-off and a locking mechanism. The terminal includes a network interface, a display device, one or more input/output devices, and a processing circuit including a processor and a memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive a request from the customer to use a lockbox for a currency drop-off, receive access credentials, verify the access credentials, in response to successful verification, grant the customer access to a lockbox, and in response to determining that the drop-off has been completed, move the drop-off from the receptacle to the safe.
    Type: Grant
    Filed: May 20, 2021
    Date of Patent: November 22, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Darren M. Goetz, Chris Kalaboukis, Lisa R. Magana, Andrew L. Martinez, Uma Meyyappan, Dennis E. Montenegro, Marla M. Pacis, Timothy R. Ward
  • Patent number: 11509484
    Abstract: Systems and methods relating to settlement of securities without revealing ownership including the end owner are described. In some implementations, ownership or control of a security may be managed by using group membership technology to revoke the signing rights of the seller and adding signing rights to the buyer. Group membership with group signatures allow for one group public key and a plurality of private keys, where each private key is associated with a group member. Signatures create by different group members are indistinguishable to verifiers but a group manager is able to determine which member has signed, link member signatures, implement controls and/or limits, and revoke and add signatory capability when needed. In some implementations, revocation of signatory capability is done with the cooperation of a Digital Certificate Authority.
    Type: Grant
    Filed: December 18, 2019
    Date of Patent: November 22, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Phillip H. Griffin
  • Patent number: 11509765
    Abstract: Disclosed are example methods, systems, and devices for allowing caller computing devices to authenticate calls via a service provider computing system. Users may opt to have entities register to contact the user with a positive ID, icon, or other notification on the user's computing device transmitted by the service provider computing system. A caller computing device may use a unique security token of the user to activate the notification on the user's device. The user device may be used to exert control over the security token via a service provider client application running on the user device. The caller computing device may initiate authentication via an API call to the service provider computing system. The caller computing device is able to have items (text, images, documents, etc.) delivered to the user computing device if authenticated.
    Type: Grant
    Filed: April 5, 2021
    Date of Patent: November 22, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Laurie Harrison
  • Patent number: 11508009
    Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems, methods and computer program products that enable transactions requested by a user using a trade asset card. The innovation enables the transactions to be completed in real time or near real time per pre-determined rules and settings, or audited changes to rules and settings, while staying perpetually invested in the user's investment portfolio.
    Type: Grant
    Filed: May 22, 2017
    Date of Patent: November 22, 2022
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Rameshchandra Bhaskar Ketharaju, Manish Pandey, Prabal Nandi, Shanmukeswara Rao Donkada
  • Patent number: 11507935
    Abstract: A mobile wallet computing system associated with a mobile wallet database includes a mobile wallet circuit structured to present a mobile wallet interface a mobile wallet user. The mobile wallet interface includes a first portion that includes a graphical depiction of a user payment vehicle associated with a financial institution, the first portion including a first interaction point that enables the user to initiate a sequence to engage in a mobile wallet transaction using the mobile wallet. The interface also includes a second portion that includes a second interaction point and a third interaction point, the second interaction point enabling the user to access a functionality enabling the user to indicate a transaction preference for a transaction with an entity other than the mobile wallet provider or financial institution, the third interaction point enabling the user to indicate a preference to initiate communications with the financial institution.
    Type: Grant
    Filed: May 24, 2017
    Date of Patent: November 22, 2022
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Stephen M. Ellis, Ashish B. Kurani, Steven E. Puffer
  • Patent number: 11508097
    Abstract: Disclosed is an approach for generating interactive visualizations for multi-nodal transfers that may involve terminal nodes and multiple transitional nodes by using various protocols to acquire data from computing systems or devices associated with each node. A first visualization layer comprising a set of geographic or physical indicators in a multi-nodal transfer route (which comprises a set of three or more nodes) may be generated. API protocols (and/or non-API protocols) corresponding to each node in the transfer route may be identified. The protocols may be executed to obtain, from computing systems and devices associated with the nodes, data packets used to generate a second visualization layer, which may comprise graphics that visually depict details of a transfer along the transfer route. An overlay of visualization layers may be displayed such that the graphics are displayed in association with multiple nodes.
    Type: Grant
    Filed: December 11, 2020
    Date of Patent: November 22, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Andriy Fedorchuk, Rajiv Ranjan, Sreenath Sandru, Shivani Singh
  • Patent number: 11503068
    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: March 15, 2019
    Date of Patent: November 15, 2022
    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: 11501323
    Abstract: A method implemented on an electronic computing device includes identifying a user of an augmented reality (AR) device. Profile information is obtained for the user based on the identity of the user. An interactive game is activated on the AR device. The interactive game is tailored to the user based on the profile information. One or more rewards are provided to the user for implementing aspects of the interactive game.
    Type: Grant
    Filed: August 24, 2020
    Date of Patent: November 15, 2022
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Christin Holt Aquilla, Kourtney Eidam
  • Patent number: 11501067
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for screening data instances based on a target text of a target corpus. A screening device analyzes a target corpus to generate at least two term dictionaries for the target corpus. The screening apparatus, based on a frequency of a term in the target corpus, determines a term weight for the term; for each data instance, determines term scores for the data instance and the target text based on the term weights; filters the data instances based on the term scores, to generate a short list of data instances; determines term similarity scores between each data instance of the short list and target text based on the term weights; and provides a data instance determined to likely correspond to the target text and an indication of the corresponding term similarity score(s). A term is a word or an n-gram.
    Type: Grant
    Filed: April 23, 2020
    Date of Patent: November 15, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Mina Naghshnejad, Angelina Yang, Tarun Joshi, Vijayan Nair, Harsh Singhal, Agus Sudjianto
  • Patent number: 11501271
    Abstract: A computer-implemented method includes receiving, from a mobile device, a deposit request including a first check image for funds to be deposited into a user account, determining a risk level associated with the deposit request, requesting a second check image having a restricted endorsement based on the risk level, receiving the second check image having the restricted endorsement, determining a confidence level based on the restricted endorsement, and transferring the funds to the user account based on the confidence level.
    Type: Grant
    Filed: November 23, 2020
    Date of Patent: November 15, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Al Hecht
  • Patent number: 11501287
    Abstract: A method for registering and activating accounts includes: transmitting a first input from a user regarding opening an account at a financial institution; establishing a communication session based on exchanging encryption keys between the user device and the financial computing system; displaying a graphical user interface (GUI) comprising a request for a user verification; transmitting a received user verification to the financial computing system; updating the GUI to display a request to establish a personal identification number (PIN) for a physical payment card associated with the account; receiving the PIN from the user; transmitting a second input comprising the PIN and a request to provision the account to the user device; receiving a payment token associated with the account before the physical payment card associated with the account of the financial computing system is received by the user; and, storing the payment token for transactions via the user device.
    Type: Grant
    Filed: April 26, 2021
    Date of Patent: November 15, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Jenny Y. Tao, Katherine M. Yee
  • Patent number: 11501292
    Abstract: A method of authenticating a user on behalf of a third party provider by an identity provider computing system is disclosed. The method includes receiving a user token and user device information from the third party provider; identifying the user based on the user token; identifying related user activity based on the user device information; and authenticating the user based on the related user activity.
    Type: Grant
    Filed: September 18, 2020
    Date of Patent: November 15, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Brian M. Pearce
  • Patent number: 11502905
    Abstract: Systems and techniques for computing infrastructure standards assay are described herein. A set of existing configurations may be obtained of an existing software application executing on a set of computing systems operating in the computing infrastructure. The set of existing configurations may be evaluated using artificial intelligence to identify the standard configuration. The standard configuration may include a set of configuration options that appear most often in the set of existing configurations. A score may be generated for each existing configuration of the set of existing configurations based on deviation between the existing configuration and the standard configuration. A notification may be transmitted to an administrator based on the score. The notification may include an indication of options of the standard configuration that differ from options of the existing configuration.
    Type: Grant
    Filed: December 19, 2019
    Date of Patent: November 15, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Justin Christopher Blackburn, Jeremy Daniel Blackburn, Jacob Tyler Blackburn
  • Patent number: 11501300
    Abstract: A computing system may be configured to determine payment details for funds transfers from unstructured sets of data. The system may maintain historical transaction information associated with each of a plurality of users. The system may receive data associated with a transaction. The system may identify a user associated with the data, wherein the user is one of the plurality of users. The system may determine, based on contextual information of the data and the historical transaction information associated with the user, payment details about the transaction. The payment details may include a payment amount and one or more recipients. The system may execute a funds transfer for the payment amount from a source account associated with the user to one or more destination accounts associated with the one or more recipients.
    Type: Grant
    Filed: June 10, 2021
    Date of Patent: November 15, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Gerardo Costilla, Marria Wairnola Rhodriquez
  • Patent number: 11501375
    Abstract: One embodiment relates to a financial institution computing system. The financial institution computing system includes a network circuit enabling the financial institution computing system to exchange information over a network and a risk analysis circuit. The risk analysis circuit is configured to receive user information, simulate a plurality of investment outcomes for a first investment risk level based on the received user information, display at least one augmented reality or virtual reality depiction of at least one of the investment outcomes via a display device, monitor a reaction of the user to each displayed augmented reality or virtual reality depiction, and select an investment strategy for the user based on the reactions of the user.
    Type: Grant
    Filed: March 29, 2021
    Date of Patent: November 15, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Joshua T. Demetry, Brian J. Jacobsen, Shane C. Martwick, Patrick E. McGuinnis, Carolyn A. Wilary
  • Patent number: 11501270
    Abstract: A system, method, and apparatus for interdirectory funds transfers is provided. A method includes: receiving data from two or more payment directories, the data comprising information pertaining to a plurality of users, each of which are enrolled with at least one of the two or more peer-to-peer payment directories; and normalizing the received data to create a uniform database for fund transfers. The normalization includes: converting at least a portion of the received data into a uniform file type; categorizing the uniform file type and at least some of the received data, the categorization based on a characteristic of the at least some of the received data and the uniform file type; and providing the categorized uniform file type and the at least some of the received data into categories specific to each peer-to-peer payment directory of the two or more peer-to-peer payment directories in the uniform database.
    Type: Grant
    Filed: April 26, 2021
    Date of Patent: November 15, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Alan W. Hecht, Azita Asefi, Ann M. Kirk
  • Patent number: 11494770
    Abstract: Systems and methods are described for facilitating payments and transactions using social background checks. Such systems and methods may use social networks with both individual members communicating over a network to a social authentication computing system. The authentication of transactions associated financial institutions are determined through the use of relationship measures based on social media interactions. Transactions and services available to a user are determined based on a measure of social identity through the use of social media platforms. Available contact and interaction data from one or more social media platforms is leveraged to analyze a level of trust that a transaction is not a consequence of fraudulent activity. Transactions that have a low level of risk of being a consequence of fraudulent activity are benefited through faster transaction times and other improvements.
    Type: Grant
    Filed: April 28, 2021
    Date of Patent: November 8, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Thomas E. Gross, Kimarie Matthews, Darius A. Miranda, Matthew P. Schlachtman, Edward P. Scholtens
  • Patent number: 11494548
    Abstract: Multilayer electronic content management is provided. A method includes determining a first section and a second section of a document for dynamic content management. The method also includes determining a first trigger event that prompts the dynamic content management on the first section and a second trigger event the prompts the dynamic content management on the second section. The method also includes implementing a first action to the first section based on an occurrence of the first trigger and a first rule, and a second action to the second section based on another occurrence of the second trigger and a second rule. The implementation may include executing a first micro-service within a metadata layer of the electronic document for implementation of the first action and executing a second micro-service within the metadata layer for implementation of the second action.
    Type: Grant
    Filed: March 11, 2021
    Date of Patent: November 8, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Zachary Blender, Himanshu Baral
  • Patent number: D970515
    Type: Grant
    Filed: October 7, 2019
    Date of Patent: November 22, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Angelica Bullard, Bobby F. Ignatius, Michael Traverso