Patents by Inventor Ashish Bhoopen Kurani
Ashish Bhoopen Kurani 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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Patent number: 11645647Abstract: A computer system accesses a database to retrieve account balance information for an account held by a user at a financial institution. The computer system generates a screen display to present to the user via a mobile device. The screen display shows the account balance information. The computer system receives, via the mobile device, an indication from the user that the user wishes to perform a mobile wallet transaction to transfer funds to a recipient. The computer system transmits the funds to the recipient responsive to receiving the indication.Type: GrantFiled: December 17, 2018Date of Patent: May 9, 2023Assignee: Wells Fargo Bank, N.A.Inventor: Ashish Bhoopen Kurani
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Patent number: 11615401Abstract: A computer system receives an indication from a user that the user wishes to perform a mobile wallet transaction to transfer funds to a recipient using a mobile device. The transaction is authenticated by the computer system. The authentication includes receiving login credentials manually entered by the user and determining that the login credentials match stored login credentials for the user. The authentication further includes determining that the mobile device has a device token stored thereon that matches a device token stored in a database of the computer system. The device token uniquely identifies the mobile device in the computer system. The authentication further includes determining that the mobile device has a customer token stored thereon that matches the customer token stored in the database. The customer token uniquely identifying the customer in the computer system. The computer system transmits the funds to the recipient responsive to the authenticating step.Type: GrantFiled: December 9, 2016Date of Patent: March 28, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Ashish Bhoopen Kurani, Nikolai Stroke, Bipin Sahni, Stephen M. Ellis
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Patent number: 11610197Abstract: A mobile wallet computer system receives via a mobile device an indication from a user that the user wishes to perform a mobile wallet transaction to transfer funds to a merchant. The mobile wallet computer system determines an amount of merchant rewards from the merchant that are available for the user to use at the merchant. The mobile wallet computer system transmits information regarding the amount of available merchant rewards to the merchant computer system. The merchant computer system applies the merchant rewards to the transaction prior to submitting the transaction to a card network computer system.Type: GrantFiled: November 25, 2014Date of Patent: March 21, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Ashish Bhoopen Kurani, Nikolai Stroke
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Patent number: 11593789Abstract: A mobile device includes a display device; a processor; and a memory device configured to store instructions that, when executed by the processor, cause the processor to: present, by the display device, a user interface to a user of the mobile device for accessing a mobile online banking application; upon accessing the mobile online banking application, provide, by the display device, an option to a create a mobile wallet; responsive to receiving an indication to create the mobile wallet, provide, by the display device, a list of accounts held by the user; and receive a selection of at least one account from the list accounts to provision the at least one account to the mobile wallet for use in future mobile wallet transactions such that the at least one account from the list of accounts is auto-provisioned to the mobile wallet.Type: GrantFiled: December 28, 2016Date of Patent: February 28, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Ashish Bhoopen Kurani, Nikolai Stroke, Bipin Sahni, Stephen M. Ellis
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Patent number: 11587058Abstract: A computer system receives an indication from a user that the user wishes to perform a mobile wallet transaction to transfer funds to a recipient using a mobile device. The transaction is authenticated by the computer system. The authentication includes receiving login credentials manually entered by the user and determining that the login credentials match stored login credentials for the user. The authentication further includes determining that the mobile device has a device token stored thereon that matches a device token stored in a database of the computer system. The device token uniquely identifies the mobile device in the computer system. The authentication further includes determining that the mobile device has a customer token stored thereon that matches the customer token stored in the database. The customer token uniquely identifying the customer in the computer system. The computer system transmits the funds to the recipient responsive to the authenticating step.Type: GrantFiled: January 12, 2018Date of Patent: February 21, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Ashish Bhoopen Kurani, Nikolai Stroke, Bipin Sahni, Stephen M. Ellis
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Patent number: 11580529Abstract: A computer-implemented system and method includes determining, by a mobile device associated with a user, a location of the user, generating, by the mobile device, a code comprising a tokenized value for sending funds and the location of the user, transmitting, by the mobile device, the code to a point of sale (POS) terminal associated with a merchant as part of a mobile wallet transaction, and receiving, by the mobile device, an indication that the mobile wallet transaction has been completed.Type: GrantFiled: October 19, 2020Date of Patent: February 14, 2023Assignee: WELLS FARGO BANK, N.A.Inventors: Stephen M. Ellis, Michael J. Kennedy, Ashish Bhoopen Kurani, Melissa Lowry, Uma Meyyappan, Bipin M. Sahni, Nikolai Stroke
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Patent number: 11574300Abstract: A mobile wallet computer server receives a fund access request from a user device. The fund access request is made in connection with a payment transaction. The mobile wallet server generates a tokenized card number, transmits the tokenized card number to the user device, and receives receive the tokenized card number from a card network computer system after having been routed from the user device via a merchant computer system and via an acquirer processor computer system. The mobile wallet computer server converts the tokenized card number to the actual credit card account number of the user and transmits the actual credit card account number to the card network computer system to process the payment transaction.Type: GrantFiled: August 28, 2014Date of Patent: February 7, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Ashish Bhoopen Kurani, Nikolai Stroke, Bipin Sahni, Stephen M. Ellis, Steve Puffer
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Patent number: 11568389Abstract: A mobile device includes a display device; a processor; and a memory device configured to store instructions that, when executed by the processor, cause the processor to: present, by the display device, a user interface for accessing a mobile online banking application; receive a credential for authenticating and accessing the mobile online banking application; provide, by the display device, an option to create a mobile wallet during use of the mobile online banking application; and responsive to receiving an indication to create the mobile wallet, install a mobile wallet application on the mobile device for future mobile wallet transactions.Type: GrantFiled: December 29, 2016Date of Patent: January 31, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Ashish Bhoopen Kurani, Nikolai Stroke, Bipin Sahni, Stephen M. Ellis
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Patent number: 11568391Abstract: A computer-implemented includes: authenticating a user; generating an interface configured to be displayed by a mobile device of the user; receiving a captured image from the mobile device of the user based on an activation by the user of an image capture function element displayed on the interface and a subsequent capturing of the image by the mobile device, the captured image comprising a code; determining a merchant associated with the code; receiving a selection of a product and a product purchase option associated with the determined merchant from the interface; in response to determining the merchant and receiving the product purchase option, transferring a payment for the product to the merchant from an account held by the user based on information associated with the merchant and the product purchase option; and sending, to the interface, a purchase confirmation comprising order details including the product and the product purchase option.Type: GrantFiled: January 25, 2021Date of Patent: January 31, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Ashish Bhoopen Kurani, Melissa Lowry, Stephen M. Ellis
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Patent number: 11514433Abstract: A computer-implemented method includes receiving, by a computer system, a code request to generate a code, the code request associated with a transaction; selecting, by the computer system, information to include in the code after receiving the code request; generating, by the computer system, the code including the information; providing, by the computer system, the code to a first device associated with the code request; and receiving, by the computer system, the information from a second device after providing the code to the first device.Type: GrantFiled: September 3, 2020Date of Patent: November 29, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Stephen M. Ellis, Michael J. Kennedy, Ashish Bhoopen Kurani, Melissa Lowry, Uma Meyyappan, Bipin Sahni, Nikolai Stroke
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Patent number: 11461766Abstract: A mobile wallet computer server receives a fund access request from a user device. The fund access request is made in connection with a payment transaction. The mobile wallet server generates a tokenized card number, transmits the tokenized card number to the user device, and receives receive the tokenized card number from a card network computer system after having been routed from the user device via a merchant computer system and via an acquirer processor computer system. The mobile wallet computer server converts the tokenized card number to the actual credit card account number of the user and transmits the actual credit card account number to the card network computer system to process the payment transaction.Type: GrantFiled: August 28, 2014Date of Patent: October 4, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Ashish Bhoopen Kurani, Nikolai Stroke, Bipin Sahni, Stephen M. Ellis, Steve Puffer
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Patent number: 11423393Abstract: A computer system accesses a database to retrieve account balance information for an account held by a user at a financial institution. The computer system generates a screen display to present to the user via a mobile device. The screen display shows the account balance information. The computer system receives, via the mobile device, an indication from the user that the user wishes to perform a mobile wallet transaction to transfer funds to a recipient. The computer system transmits the funds to the recipient responsive to receiving the indication.Type: GrantFiled: December 18, 2018Date of Patent: August 23, 2022Assignee: Wells Fargo Bank, N.A.Inventor: Ashish Bhoopen Kurani
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Patent number: 11410161Abstract: A computer-implemented method for executing a transaction includes receiving, by a card network computer system, an identification number, the identification number being received from an acquirer processor computer system after having been routed from a mobile wallet computer system, via a user device and a merchant computer system, to the acquirer processor computer system. The method also includes transmitting, by the card network computer system, the identification number back to the mobile wallet computer system. The method also includes receiving, by the card network computer system, from the mobile wallet computer system, an approval of the transaction, the approval being generated by the mobile wallet computer system based on a match of the identification number transmitted by the mobile wallet computer system to the user device and the identification number received by the mobile wallet computer system from the card network computer system.Type: GrantFiled: December 7, 2018Date of Patent: August 9, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Ashish Bhoopen Kurani, Nikolai Stroke, Bipin Sahni, Stephen M. Ellis, Steve Puffer
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Patent number: 11361307Abstract: A computer-implemented method includes receiving, by a recipient bank computer system, a previously used token from a point of sale (POS) device, the previously used token identifying a previous transaction as transferring funds to a merchant from a payor associated with the recipient bank computer system. The method also includes transmitting, by the recipient bank computer system, the previously used token to a messaging hub computer system. The method also includes receiving, by the recipient bank computer system, at least one of a card number or a payment credential, from the messaging hub computer system, the at least one of the card number or the payment credential associated with the previous transaction. The method also includes processing, by the recipient bank computer system, a refund using the at least one of the card number or the payment credential.Type: GrantFiled: March 2, 2020Date of Patent: June 14, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Stephen M. Ellis, Michael J. Kennedy, Ashish Bhoopen Kurani, Melissa Lowry, Uma Meyyappan, Bipin Sahni, Nikolai Stroke
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Patent number: 11361306Abstract: A computer-implemented method performed by a mobile device of a user having a mobile wallet includes: receiving a log-in credential to access a mobile wallet client application; receiving an indication of a default account for mobile wallet transactions through the mobile wallet client application; receiving a credential as part of authenticating a mobile wallet transaction using the default account; generating an optical code for scanning as part of the mobile wallet transaction via the mobile wallet client application, wherein the optical code includes information relating to a geographic location of the mobile device specific to the mobile wallet transaction; and providing a display with a map having an indicator showing the geographic location of the mobile wallet transaction.Type: GrantFiled: September 14, 2020Date of Patent: June 14, 2022Assignee: WELLS FARGO BANK, N.A.Inventors: Stephen M. Ellis, Michael J. Kennedy, Ashish Bhoopen Kurani, Melissa Lowry, Uma Meyyappan, Bipin Sahni, Nikolai Stroke
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Patent number: 11295333Abstract: A computer-implemented method performed by one or more processors of a mobile wallet computer system is provided. The method comprises providing, by an offer engine of the mobile wallet computer system, an offer to a mobile device of a user. The offer is presented based on a geographic location of the mobile device. The method further comprises generating, by a code generator of the mobile wallet computer system, an offer code for the mobile device of the user for providing to a merchant. The generating including embedding the geographic location of the mobile device into the offer code. The method further comprises sending, by network interface logic of the mobile wallet computer system, the offer code to the mobile device.Type: GrantFiled: May 20, 2019Date of Patent: April 5, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Stephen M. Ellis, Michael J. Kennedy, Ashish Bhoopen Kurani, Melissa Lowry, Uma Meyyappan, Bipin Sahni, Nikolai Stroke
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Patent number: 11295294Abstract: A computer system receives an indication from a user that the user wishes to perform a mobile wallet transaction to transfer funds to a recipient using a mobile device. The transaction is authenticated by the computer system. The authentication includes receiving login credentials manually entered by the user and determining that the login credentials match stored login credentials for the user. The authentication further includes determining that the mobile device has a device token stored thereon that matches a device token stored in a database of the computer system. The device token uniquely identifies the mobile device in the computer system. The authentication further includes determining that the mobile device has a customer token stored thereon that matches the customer token stored in the database. The customer token uniquely identifying the customer in the computer system. The computer system transmits the funds to the recipient responsive to the authenticating step.Type: GrantFiled: September 30, 2014Date of Patent: April 5, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Ashish Bhoopen Kurani, Nikolai Stroke, Bipin Sahni, Stephen M. Ellis
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Patent number: 11288660Abstract: A computer system accesses a database to retrieve account balance information for an account held by a user at a financial institution. The computer system generates a screen display to present to the user via a mobile device. The screen display shows the account balance information. The computer system receives, via the mobile device, an indication from the user that the user wishes to perform a mobile wallet transaction to transfer funds to a recipient. The computer system transmits the funds to the recipient responsive to receiving the indication.Type: GrantFiled: November 25, 2014Date of Patent: March 29, 2022Assignee: Wells Fargo Bank, N.A.Inventor: Ashish Bhoopen Kurani
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Patent number: 11113686Abstract: A computer-implemented method includes receiving a request for a financial transaction between a mobile wallet of a user and a merchant; generating a displayable and scannable transaction code; sending the transaction code to one of a mobile device or the merchant for the other of the mobile device and the merchant to scan to request a transfer of funds from the mobile wallet of the user to the merchant; generating a verification request to confirm the information included in a transfer request; receiving a verification response confirming the information included in the transfer request; and transferring funds to the merchant upon receiving the verification response.Type: GrantFiled: August 20, 2018Date of Patent: September 7, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Stephen M. Ellis, Michael J. Kennedy, Ashish Bhoopen Kurani, Melissa Lowry, Uma Meyyappan, Bipin Sahni, Nikolai Stroke
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Patent number: 11087311Abstract: A mobile wallet computer system coupled to a merchant computer system and a mobile device associated with a user includes one or more processors coupled to one or more non-transitory memory devices. The one or more non-transitory memory devices include instructions stored therein that are executable by the one or more processors to cause operations including receiving, from the mobile device, a request to perform a transaction between the user and a merchant associated with the merchant computer system. The operations also include generating and providing to the mobile device a code comprising mobile wallet account information associated with the user. The operations also include receiving, from the merchant computer system, the code, bank account information associated with the merchant, and a purchase amount associated with the transaction. The operations also include authenticating the transaction between the user and the merchant by decoding the code.Type: GrantFiled: December 11, 2018Date of Patent: August 10, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Stephen M. Ellis, Michael J. Kennedy, Ashish Bhoopen Kurani, Melissa Lowry, Uma Meyyappan, Bipin M. Sahni, Nikolai Stroke