Patents Assigned to Wells Fargo
  • Patent number: 11829336
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for automated data dictionary generation and validation. An example method includes receiving a first data dictionary. The example method also includes parsing a database query to identify one or more reference term tokens. The example method also includes automatically generating a second data dictionary based on the one or more reference term tokens. The example method also includes validating the first data dictionary based on the second data dictionary. The example method also includes causing presentation of a validation status of the first data dictionary.
    Type: Grant
    Filed: September 16, 2021
    Date of Patent: November 28, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Connor Jennings
  • Patent number: 11829274
    Abstract: An example method for monitoring operations of a business organization electronic computing device includes executing a checklist on a monitoring electronic computing device to obtain an operational status of an application being implemented on the business organization electronic computing device. Data is received from the business organization electronic computing device regarding the operational status of the application being implemented on the business organization electronic computing device. When a determination is made that the data identifies an operational threat for the business organization electronic computing device, an action is proposed or implemented to remediate the operational threat. An implementation of the checklist is adjusted based on an effectiveness of the action to remediate the operational threat.
    Type: Grant
    Filed: January 13, 2020
    Date of Patent: November 28, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Parul Ghosh, Shishir Vasant Rao, Niravkumar N. Bajaj, Priyanka Dixit, Arvind Kumar Gottapally, Abhishek Kumar
  • Patent number: 11830327
    Abstract: A housing facilitates a service operation for a transaction device. The housing is communicatively coupled to a housing control computing system. The housing includes a user interface comprising a first input/output (I/O) device that is communicatively coupled to the housing control computing system. The housing includes a transfer cassette interface structured to receive a transfer cassette that is structured to retrievably store banknotes. The housing also includes a media aperture interface structured to couple to a media aperture of the transaction device. The media aperture interface includes a first sensor structured to detect a parameter of the service operation. The media aperture interface also includes a transfer arm structured to facilitate transferring banknotes to and from the media aperture. The housing also includes a transport apparatus that facilitates transporting banknotes to and from the transfer cassette via the transfer cassette interface and/or the media aperture interface.
    Type: Grant
    Filed: October 8, 2021
    Date of Patent: November 28, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Frank DiGangi, Christian Mande, Dennis E. Montenegro, Darren M. Goetz
  • Patent number: 11829976
    Abstract: Methods, apparatuses, and computer program products are disclosed for currency control. An example computer-implemented method includes receiving physical currency data associated with one or more physical currency notes and generating digital currency data based upon the physical currency data. The digital currency data includes a digital representation of the physical currency notes. The computer-implemented method further includes determining one or more selected physical currency notes for destruction based upon the digital currency data and may include querying a currency attribute database that includes one or more currency attributes associated with the physical currency notes. The computer-implemented method also includes causing destruction of the selected physical currency notes. In response to causing destruction of the selected physical currency notes, the computer-implemented method includes modifying the currency attribute database.
    Type: Grant
    Filed: November 6, 2020
    Date of Patent: November 28, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ramanathan Ramanathan, Chris Theodore Kalaboukis, Andrew J. Garner, IV, Abhijit Rao, Joon Maeng, Andres J. Saenz, Rameshchandra Bhaskar Ketharaju
  • Publication number: 20230377034
    Abstract: A provider institution computing system includes an account management circuit that is configured to perform operations including: associating a first expense with a first envelope of a plurality of envelopes and a second expense with a second envelope of the plurality of envelopes; generating a first payment token and a second payment token; storing the first payment token and the second payment token in the accounts database; and mapping the first payment token and the second payment token to a first account, whereby the first payment token is assigned to the first envelope and the second payment token is assigned to the second envelope. The first payment token is configured to facilitate a payment from the first account via the first envelope to the first payee and the second payment token is configured to facilitate a payment from the first account via the second envelope to the second payee.
    Type: Application
    Filed: August 1, 2023
    Publication date: November 23, 2023
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Deborah M. Ball, Susanne Carr, Stephen M. Ellis, Lei Han, Margaret Mangot, Stanislav Roumiantsev, Abhijit Shetti, Brad J. Shoff
  • Publication number: 20230376919
    Abstract: A system includes a location identifier device and a computer system. The location identifier is configured to transmit an identifier to a user device when the user device is within a predetermined range of an area and receive location information from the user device associated with a user. The computer system is configured to receive the location information from the user device within the area via the location identifier device and receive a request for an ATM transaction from the user device. The request includes attribute information associated with the user. The computer system is configured to receive attribute information associated with the user comprising an indication of a license plate within the area and identify, based on a determination that the attribute information at least partially matches the attribute information from the request, the user associated with the request.
    Type: Application
    Filed: July 31, 2023
    Publication date: November 23, 2023
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Miranda C. Hill, Alicia Y. Moore, Steven E. Puffer, Jerome Rhodes, Susan Symons, Michael R. Thomas, Young M. Yang
  • Publication number: 20230379170
    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: Application
    Filed: July 31, 2023
    Publication date: November 23, 2023
    Applicant: Wells Fargo Bank, N.A.
    Inventor: Phillip H. Griffin
  • Publication number: 20230376970
    Abstract: A service provider computing system includes memory having stored thereon instructions that, when executed by one or more processors, cause the one or more processors to obtain a first set of complaint logs corresponding to one or more user complaints, each complaint log including a resolution comments field providing a textual representation of a resolution for a corresponding complaint log, parse the resolution comments field of each complaint log of the first set of complaint logs to identify one or more key terms, and execute a machine-learning predictive model using the one or more key terms to generate, for each complaint log, a prediction indicating whether a corresponding complaint should have compensation, the machine-learning predictive model being a supervised machine learning model configured to accept the parsed resolution comments field for the first set of complaint logs as inputs and to output the prediction for each complaint log.
    Type: Application
    Filed: August 7, 2023
    Publication date: November 23, 2023
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Stacy R. Henryson, Nikhil Jog, Brian Karp
  • Publication number: 20230379708
    Abstract: Disclosed are example methods, systems, and devices that allow for the generation and provisioning of digital credentials, which may demonstrate that a trusted entity has validated individual identity attributes, or sets of attributes, of a user. Digital credentials may also demonstrate one or more extrapolations resulting from deductions or inductions from validated identity attributes. A receiver device may indicate which identity attributes or extrapolations are sought by displaying a QR or other code and/or via a transmission using NFC or other wireless communication, and a user device may access corresponding digital attributes in an ID wallet to be provisioned via code or transmission. Digital credentials may restrict uses and usability of identity attributes. Cryptographic keys and/or distributed ledger records may allow recipients to verify authenticity of digital credentials. The same identity attribute may be proven by showing validation by multiple selectable trusted entities.
    Type: Application
    Filed: July 26, 2023
    Publication date: November 23, 2023
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Harmit Singh Dhanoa, Andrew G. Foote, Nikolai Stroke, Duc M. Trinh
  • Publication number: 20230376630
    Abstract: Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information. A user additionally is able to have user data and/or third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal.
    Type: Application
    Filed: July 31, 2023
    Publication date: November 23, 2023
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Lila Fakhraie, Brian M. Pearce, Steven Pulido, Benjamin Soccorsy, James Stahley, Mojdeh Tomsich
  • Patent number: 11822911
    Abstract: Provided are a universal software installer and/or uninstaller. The universal software installer determines a structure of the software to be installed and verifies all necessary software elements are applied or installed on the endpoint during the install. The universal software uninstaller determines a structure of the software to be uninstalled and verifies all related software elements are removed from the endpoint. The universal software installer and/or uninstaller is independent of an operating system platform executing on the endpoint.
    Type: Grant
    Filed: June 11, 2020
    Date of Patent: November 21, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ryan B. Benskin, Jonathan D. Russell, Lawrence T. Belton, Jr., Peter A. Makohon, Timothy H. Morris, Jeremy B. Hairston, Sr.
  • Patent number: 11822895
    Abstract: A method may include transmitting, at a mobile device executing a keyboard application, a request for a user specific data value to a computing device; receiving, from the computing device, an authentication request with a challenge message; encrypting the challenge message with a private key associated with the keyboard application; transmitting the encrypted challenge message to the computing device for authentication by the computing device; receiving the user specific data value from the server based on the server successfully authenticating the encrypted challenge message; and presenting the user specific data value in the keyboard application on the mobile device.
    Type: Grant
    Filed: July 25, 2022
    Date of Patent: November 21, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ganesan Anand, Bipin M. Sahni
  • Patent number: 11823183
    Abstract: Example implementations include a method for using tokens between two entities including a client device and a server, by generating, by a first one-way function of the client device, a first intermediate value from a transaction count corresponding to a number of transactions involving an original data, the first intermediate value being unique to a first verification transaction at a server, generating, by a second one-way function of the client device, a second intermediate value from the first intermediate value, the second intermediate value being unique to a second verification transaction at the server, sending, by the client device, a first token based on the first intermediate value to the server to execute the first verification transaction, and sending, by the client device, a second token based on the second intermediate value to the server to execute the second verification transaction.
    Type: Grant
    Filed: July 19, 2021
    Date of Patent: November 21, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Phillip H. Griffin, Jeffrey J. Stapleton
  • Patent number: 11824885
    Abstract: Network entities of a network system are managed in an end-of-life context. A network system is scanned to determine network entities such as hardware devices and/or software applications. A network entity can be identified as vulnerable based on end-of-life data. A risk score for the vulnerable network entity is computed based on the end-of-life data and optionally other factors, and a potentially mitigating action is determined based on the risk score.
    Type: Grant
    Filed: October 14, 2020
    Date of Patent: November 21, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Lawrence T. Belton, Jr., Ryan B. Benskin, Peter A. Makohon, Timothy H. Morris, Christopher J. Houser, Douglas C. Rambo
  • Patent number: 11823180
    Abstract: Systems, methods and computer-readable storage media utilized to track a plurality of assets on a distributed ledger network. One method includes receiving, by an asset issuer computing device, a request to track a specific asset on the distributed ledger network. The method further includes determining, by the asset issuer computing device, an asset type associated with the specific asset. The method further includes generating, by the asset issuer computing device, a unique identifier identifying the specific asset. The method further includes generating, by the asset issuer computing device, a unique tracking identifier, the unique tracking identifier including a subset of identifiers, the subset of identifiers including an asset issuer identifier, an asset type identifier, and the unique identifier.
    Type: Grant
    Filed: May 20, 2020
    Date of Patent: November 21, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Duc M. Trinh
  • Patent number: 11823262
    Abstract: A method for rendering results of an audit includes receiving data corresponding to the results of the audit. The data includes an image to be rendered on a display screen of an electronic computing device. The data includes one or more insights derived from the results of the audit. A user of the electronic computing device is identified. The image is rendered on the display screen. One or more insights derived from the results of the audit are rendered on top of the image on the display screen. A content of the one or more insights derived from the results of the audit that are rendered on top of the image on the display screen is dependent upon the identity of the user of the electronic computing device.
    Type: Grant
    Filed: September 30, 2022
    Date of Patent: November 21, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Neil Yoshihisa Kakita, Robert Louis Sellers, Abhijit Rao
  • Patent number: 11823087
    Abstract: An approach for establishing and managing network security linkages is disclosed. The linkages may be used to facilitate management of accounts, goals, or resources of one or more entities, or to provide an integrated view of the circumstances of, for example, family members or other interrelated persons. A person receiving assistance with the management of one or more accounts need not disclose authentication credentials to persons helping manage the accounts, enhancing security. Members may view members and access accounts administered by separate computing systems without needing credentials for each member, account, and/or computing system. The multiple accounts (which may be held at multiple institutions) need not be accessed individually by each member of the network security linkage, saving time and computing resources of users.
    Type: Grant
    Filed: June 29, 2022
    Date of Patent: November 21, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Balin Kina Brandt, Laura Fisher, Marie Jeanette Floyd, Katherine J. McGee, Teresa Lynn Rench, Sruthi Vangala
  • Patent number: 11824976
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for PQC. An example method includes transmitting a first portion of an electronic communication to a client device over a non-PQC communications channel, wherein the first portion of the electronic communication comprises a PQC request data structure. The example method further includes receiving a PQC acknowledgment data structure from the client device over the non-PQC communications channel. The example method further includes transmitting a quantum cryptographic key to the client device over a quantum communications channel and authenticating a session with the client device over the non-PQC communications channel based on the quantum cryptographic key. Subsequently, the example method includes transmitting a second portion of the electronic communication to the client device over a PQC communications channel.
    Type: Grant
    Filed: November 24, 2021
    Date of Patent: November 21, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Bradford A. Shea, M. Erik Meinholz, Robert L. Carter, Jr., Jeff J. Stapleton, Abhijit Rao, Pierre Arbajian, Peter Bordow, Ravi K. Maganti
  • Patent number: 11823009
    Abstract: A system and method for establishing secure communications over a network based on combined capabilities of classical and quantum computers. The system and method include transmitting, via a network and by a classical computer to a quantum computer, a request for client data associated with a client device. The request causes the quantum computer to retrieve client data associated with the client device. The request causes the quantum computer to generate a signed data packet by digitally signing the client data. The request causes the quantum computer to transmit the signed data packet to the classical computer.
    Type: Grant
    Filed: August 21, 2019
    Date of Patent: November 21, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Jeffrey J. Stapleton
  • Patent number: 11823179
    Abstract: Systems and methods for providing a rewards payment form linked directly to a rewards account are described. The system can determine, based on a comparison of a location of a mobile device with a merchant location of a merchant, that the mobile device is at the merchant location. The system can determine that the merchant participates in a rewards promotion and can receive a transaction request associated with a rewards account and a cryptogram. The system can authenticate the transaction request by decrypting the cryptogram and can activate the rewards promotion based on the determination that the mobile device is at the merchant location and the determination that the merchant participates in the rewards promotion.
    Type: Grant
    Filed: August 22, 2022
    Date of Patent: November 21, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Steven E. Puffer