Patents by Inventor Al Hecht
Al Hecht has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Publication number: 20240127253Abstract: A computer-implemented method performed by a depository computing system includes receiving a check deposit and a withdrawal request associated with a customer account of a customer where the customer account is associated with a first amount and the withdrawal request comprises a second amount greater than the first amount, forwarding an inquiry message regarding the check deposit to a paying computing system, determining real time account status information of a payor account of a payor, and authorizing in real time relative to when the real time account status information is accessed, the withdrawal request for the second amount where the authorization occurs prior to settlement of the check deposit.Type: ApplicationFiled: December 20, 2023Publication date: April 18, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Al Hecht, Ann Kirk, Michael Miller, Karen Moore, Melanie Gipe
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Publication number: 20240127255Abstract: A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.Type: ApplicationFiled: December 21, 2023Publication date: April 18, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Azita Asefi, Jorge Michirefe, Al Hecht, Steve Puffer, Peter Ho
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Publication number: 20240086931Abstract: A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.Type: ApplicationFiled: November 20, 2023Publication date: March 14, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Azita Asefi, Jorge Michirefe, Al Hecht, Steve Puffer, Peter Ho
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Patent number: 11922472Abstract: Systems and methods for using an information wallet system to deliver a gift and receive, redeem, or re-gift the gift are disclosed. The information wallet system's storage is securely maintained by a financial institution computing system (i.e. a bank) and receives and holds purchase transaction information. Purchase information transaction may be received from a user computing device or an entity computing system, such as a merchant computing system. In one embodiment, a user may purchase a gift through an online website or at a brick and mortar location and direct the gift to be deposited into the information wallet storage of a recipient. A recipient may then continue to hold the gift, redeem the gift, or re-gift the gift to another party.Type: GrantFiled: February 8, 2021Date of Patent: March 5, 2024Assignee: Wells Fargo Bank, N.A.Inventor: Al Hecht
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Patent number: 11893588Abstract: A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.Type: GrantFiled: January 23, 2023Date of Patent: February 6, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Azita Asefi, Jorge Michirefe, Al Hecht, Steve Puffer, Peter Ho
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Publication number: 20240005327Abstract: Systems and methods for authenticating parties and transactions are described herein. The systems and methods may be part of an information wallet system. The information wallet system or a separate authentication system in communication with the information wallet system may facilitate verification and/or authentication of the parties. In one embodiment, the authentication system includes an authentication server configured to receive an authentication request from a first party to authenticate a second party. The authentication server is further configured to transmit an information request the second party. The authentication server is configured to receive second party information and to configured to compare the second party information with a verified second party information. The authentication server is configured to transmit an authentication result to the first party device.Type: ApplicationFiled: September 18, 2023Publication date: January 4, 2024Applicant: Wells Fargo Bank, N.A.Inventor: Al Hecht
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Patent number: 11861594Abstract: A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.Type: GrantFiled: November 16, 2016Date of Patent: January 2, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Azita Asefi, Jorge Michirefe, Al Hecht, Steve Puffer, Peter Ho
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Publication number: 20230421437Abstract: A computing system includes an account associated with a user of the system, and a server. One or more processors are configured to receive user information from a user computing device, wherein the user information is related to a user of the account, determine, based on the user information, one or more user settings preferences related to a second computing device, receive an information request, wherein the information request includes a request to send the one or more user settings preferences to the second computing device, and to send the one or more user settings preferences to the second computing device, wherein the one or more user settings preferences are useable by the second computing device to adjust one or more settings of the second computing device.Type: ApplicationFiled: September 11, 2023Publication date: December 28, 2023Inventor: Al Hecht
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Patent number: 11854015Abstract: A computer-implemented method includes receiving a check deposit and a withdrawal request associated with an account of a customer where the account is associated with a first amount and where the withdrawal request comprises a second amount greater than the first amount, forwarding an inquiry message regarding the check deposit to a paying computing system where the inquiry message includes an identifier of the paying computing system that maintains an account of a payor in a paying database, determining real time account status information of the account of the payor where the real time account status information is based on accessing an organized data structure, and authorizing the withdrawal request for the second amount in real time relative to when the real time account status information is accessed where the authorization occurs prior to settlement of the check deposit.Type: GrantFiled: January 30, 2023Date of Patent: December 26, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Al Hecht, Ann Kirk, Michael Miller, Karen Moore, Melanie Gipe
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Patent number: 11823205Abstract: A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.Type: GrantFiled: August 29, 2022Date of Patent: November 21, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Azita Asefi, Jorge Michirefe, Al Hecht, Steve Puffer, Peter Ho
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Patent number: 11763304Abstract: Systems and methods for authenticating parties and transactions are described herein. The systems and methods may be part of an information wallet system. The information wallet system or a separate authentication system in communication with the information wallet system may facilitate verification and/or authentication of the parties. In one embodiment, the authentication system includes an authentication server configured to receive an authentication request from a first party to authenticate a second party. The authentication server is further configured to transmit an information request the second party. The authentication server is configured to receive second party information and to configured to compare the second party information with a verified second party information. The authentication server is configured to transmit an authentication result to the first party device.Type: GrantFiled: December 21, 2021Date of Patent: September 19, 2023Assignee: Wells Fargo Bank, N.A.Inventor: Al Hecht
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Patent number: 11757714Abstract: A computing system includes an account associated with a user of the system, and a server. One or more processors are configured to receive user information from a user computing device, wherein the user information is related to a user of the account, determine, based on the user information, one or more user settings preferences related to a second computing device, receive an information request, wherein the information request includes a request to send the one or more user settings preferences to the second computing device, and to send the one or more user settings preferences to the second computing device, wherein the one or more user settings preferences are useable by the second computing device to adjust one or more settings of the second computing device.Type: GrantFiled: January 6, 2023Date of Patent: September 12, 2023Assignee: Wells Fargo Bank, N.A.Inventor: Al Hecht
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Publication number: 20230281633Abstract: A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.Type: ApplicationFiled: May 15, 2023Publication date: September 7, 2023Applicant: Wells Fargo Bank, N.A.Inventors: Azita Asefi, Jorge Michirefe, Al Hecht, Steve Puffer, Peter Ho
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Publication number: 20230252553Abstract: A system includes a processor and an information wallet application stored on machine readable storage media coupled to the processor and including program logic that causes the processor to receive a shopping list from a first information wallet adapter stored on a user computing device, send the shopping list to a second information wallet adapter stored on a merchant computing device, receive merchant data from the second information wallet adapter, wherein the merchant data includes one of price data and quantity data for at least one item included in the shopping list, and send the merchant data to the first information wallet adapter. The system also includes a cloud storage computing system accessible by the information wallet storage application and configured to communicate with the first and second information wallet adapters in order to store and retrieve shopping list data associated with the shopping list.Type: ApplicationFiled: April 19, 2023Publication date: August 10, 2023Applicant: Wells Fargo Bank, N.A.Inventor: Al Hecht
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Patent number: 11651414Abstract: A system includes a processor and an information wallet application stored on machine readable storage media coupled to the processor and including program logic that causes the processor to receive a shopping list from a first information wallet adapter stored on a user computing device, send the shopping list to a second information wallet adapter stored on a merchant computing device, receive merchant data from the second information wallet adapter, wherein the merchant data includes one of price data and quantity data for at least one item included in the shopping list, and send the merchant data to the first information wallet adapter. The system also includes a cloud storage computing system accessible by the information wallet storage application and configured to communicate with the first and second information wallet adapters in order to store and retrieve shopping list data associated with the shopping list.Type: GrantFiled: July 23, 2018Date of Patent: May 16, 2023Assignee: Wells Fargo Bank, N.A.Inventor: Al Hecht
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Patent number: 11651379Abstract: A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.Type: GrantFiled: November 16, 2016Date of Patent: May 16, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Azita Asefi, Jorge Michirefe, Al Hecht, Steve Puffer, Peter Ho
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Patent number: 11605060Abstract: 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: GrantFiled: November 30, 2020Date of Patent: March 14, 2023Assignee: Wells Fargo Bank, N.A.Inventor: Al Hecht
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Patent number: 11568417Abstract: A process includes receiving a check deposit and a withdrawal request associated with an account of a customer, the account associated with a first amount, the check deposit includes a second amount greater than the first amount, and the withdrawal request includes a third amount greater than the first amount. The process further includes forwarding, via an account verification system, an inquiry message regarding the check deposit to a paying computing system, the inquiry message including an identifier of the paying computing system, the inquiry message forwarded prior to settlement of the check deposit. The process further includes determining real time account status information of the account of the payor, and authorizing in real time relative to when the real time account status is accessed.Type: GrantFiled: October 18, 2021Date of Patent: January 31, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Al Hecht, Ann Kirk, Michael Miller, Karen Moore, Melanie Gipe
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Patent number: 11562347Abstract: A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.Type: GrantFiled: November 16, 2016Date of Patent: January 24, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Azita Asefi, Jorge Michirefe, Al Hecht, Steve Puffer, Peter Ho
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Patent number: 11552845Abstract: An information wallet 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 user information from a user computing device, wherein the user information is related to a user of the information wallet account, determine, based on the user information, one or more user settings preferences related to a second computing device, receive an information request, wherein the information request includes a request to send the one or more user settings preferences to the second computing device, and to send the one or more user settings preferences to the second computing device, wherein the one or more user settings preferences are useable by the second computing device to adjust one or more settings of the second computing device.Type: GrantFiled: December 6, 2019Date of Patent: January 10, 2023Assignee: Wells Fargo Bank, N.A.Inventor: Al Hecht