Patents by Inventor Brian J. Jacobsen

Brian J. Jacobsen 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).

  • Publication number: 20240119455
    Abstract: Systems and methods provide for authenticating a user attempting to make a payment using a piezoelectric device are disclosed herein. In an embodiment, the piezoelectric device can be embedded on a credit card, debit card, or other form of payment card and signals generated by the piezoelectric device can be used to authenticate the user when making the payment. For example, the user can squeeze or manipulate the piezoelectric device in a specific predetermined pattern and the resulting electric charge or induced current generated by the piezoelectric device can facilitate transmitting a signal to a point of sale device, and the point of sale device can authenticate the user based on the signal. In other embodiments, the piezoelectric device can contain circuitry and/or logic that can authenticate the user and send a confirmation signal to the point of sale device to authenticate the payment.
    Type: Application
    Filed: December 15, 2023
    Publication date: April 11, 2024
    Inventors: Brian J. Jacobsen, Benjamin Taylor
  • Patent number: 11941700
    Abstract: One embodiment relates to a computing system. The computing system includes a risk analysis circuit. The risk analysis circuit is configured to simulate a plurality of investment outcomes. The risk analysis circuit is configured to display at least one augmented reality or virtual reality depiction of at least one of the plurality of investment outcomes via a display device. The risk analysis circuit is configured to monitor a reaction of a user to the displayed augmented reality or virtual reality depictions. The risk analysis circuit is configured to generate a user reaction score based on the reaction of the user. The risk analysis circuit is configured to generate an overall score for each of the plurality of investment outcomes by weighing the user reaction score and investment outcome.
    Type: Grant
    Filed: October 28, 2022
    Date of Patent: March 26, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Joshua T. Demetry, Brian J. Jacobsen, Shane C. Martwick, Patrick E. McGuinnis, Carolyn A. Wilary
  • Publication number: 20240047078
    Abstract: Various examples are directed to computer-implemented systems and methods for enforcing social distancing using technology. A method includes communicating with one or more sensors to determine a location of each of a plurality of users within a premises, and determining whether a first user is within a predetermined distance from at least a second user. An alert is sent to a user device of the first user if the first user is within the predetermined distance from at least the second user. A datastore is queried to determine whether the premises is affiliated with an entity that offers rewards for maintaining social distancing. A user profile of the first user is updated to indicate a reward is available to the first user if the computer system determines that the first user does not enter the predetermined distance from at least the second user for a predetermined duration of time.
    Type: Application
    Filed: November 30, 2020
    Publication date: February 8, 2024
    Inventor: Brian J. Jacobsen
  • Patent number: 11887123
    Abstract: Systems and methods provide for authenticating a user attempting to make a payment using a piezoelectric device are disclosed herein. In an embodiment, the piezoelectric device can be embedded on a credit card, debit card, or other form of payment card and signals generated by the piezoelectric device can be used to authenticate the user when making the payment. For example, the user can squeeze or manipulate the piezoelectric device in a specific predetermined pattern and the resulting electric charge or induced current generated by the piezoelectric device can facilitate transmitting a signal to a point of sale device, and the point of sale device can authenticate the user based on the signal. In other embodiments, the piezoelectric device can contain circuitry and/or logic that can authenticate the user and send a confirmation signal to the point of sale device to authenticate the payment.
    Type: Grant
    Filed: September 27, 2021
    Date of Patent: January 30, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Brian J. Jacobsen, Benjamin Taylor
  • Publication number: 20230410140
    Abstract: Various examples are directed to computer-implemented systems and methods for sensor-based social distancing. A method includes communicating with a first set of one or more sensors to determine whether a first group of a plurality of users is located within a first portion of a premises, and communicating with a second set of one or more sensors to determine whether a second group of the plurality of users is located within a second portion of the premises. A datastore is queried to determine whether the premises is affiliated with an entity that offers rewards for maintaining social distancing. User profiles of the users of the first group and user profiles of the users of the second group are updated to indicate a reward is available when the first group is located within the first portion and the second group is located within the second portion for a predetermined duration.
    Type: Application
    Filed: November 30, 2020
    Publication date: December 21, 2023
    Inventor: Brian J. Jacobsen
  • Publication number: 20230412632
    Abstract: A system includes a processing circuit. The processing circuit is configured to: receive security related data from a plurality of analyst computing devices; provide a graphical user interface to a manager device, the graphical user interface configured to display a plurality of tiles and alter a size of a tile of the plurality of tiles in response to a tile size filter being selected, where each tile represents a specific security and includes at least one of an integrated security rating or an integrated index for the specific security and based on the received security related data, and where the size of each tile is proportionate to a value assigned to each security; monitor additional security related data; and in response to determining the additional security related data satisfies a received alert criteria, actively update the graphical user interface to comprise an alert associated with the security.
    Type: Application
    Filed: August 31, 2023
    Publication date: December 21, 2023
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Joshua T. Demetry, Jennifer Blaha, Manjunath Boraiah, Brian J. Jacobsen, Randy Mangelsen, Ann M. Miletti, Chris Rosato, Noah Wise
  • Patent number: 11819338
    Abstract: A system includes a biometric sensor configured to detect physiological data associated with anxiety of a user, a memory, and at least one hardware processor executing operations. The operations include selecting a plurality of stimuli from a pool of stimuli, the selected plurality of stimuli including at least one target stimuli associated with a subject matter and at least one generic stimuli not directly associated with the subject matter. The operations also include presenting each stimulus to the user, collecting sensor readings from the biometric sensor, and generating anxiety results. The operations also include determining an anxiety score based on the anxiety results, identifying a plurality of risk tolerance ranges, each risk tolerance range being associated with a category of risk tolerance, and determining a risk tolerance result of the user based on comparing the anxiety score to the plurality of risk tolerance ranges.
    Type: Grant
    Filed: June 19, 2020
    Date of Patent: November 21, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Brian J. Jacobsen
  • Publication number: 20230368239
    Abstract: Various examples are directed to computer-implemented systems and methods for sensor-based mask detection. A method includes communicating with a sensor attached to or embedded in a face mask to determine whether a user is in proximity to the face mask. An alert is provided based on a determination that the face mask is not in proximity to the user. The method includes communicating with the sensor to determine whether the user is wearing the face mask, transmitting a request to determine a location of the user, and querying a datastore to determine whether the location is affiliated with an entity that offers rewards to users wearing face masks. A user profile is updated to indicate a reward is available to the user based on a determination that the user is wearing the face mask at the location of the entity that offers rewards to users wearing face masks.
    Type: Application
    Filed: November 30, 2020
    Publication date: November 16, 2023
    Inventor: Brian J. Jacobsen
  • Publication number: 20230368299
    Abstract: A system includes a processing circuit is configured to detect a trigger event and in response, initiate tracking analyst interactions on a first analyst device; receive analyst tracking information from the first analyst device only in response to the trigger event being detected; receive first analyst tracking information from the first analyst device relating to a security, wherein the first analyst tracking information includes a first set of analyst interactions, quantify the first set of analyst interactions, receive first analyst feedback from the first analyst device, wherein the first analyst feedback includes a first set of analyst sub-rating scores, generate an integrated data synopsis including an integrated analyst rating score for the security, wherein the integrated analyst rating score is based on the quantified first set of analyst interactions, and provide a graphical user interface to a manager computing device depicting the integrated data synopsis.
    Type: Application
    Filed: July 12, 2023
    Publication date: November 16, 2023
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Jennifer Blaha, Manjunath Boraiah, Joshua T. Demetry, Brian J. Jacobsen, Randy Mangelsen, Ann M. Miletti, Chris Rosato, Noah Wise
  • Patent number: 11765194
    Abstract: A risk view sharing platform system is provided. The system includes a processing circuit configured to provide a plurality of analyst applications to a plurality of analyst computing devices; receive security related data associated with a plurality of securities from the plurality of analyst applications, wherein the security related data includes security ratings and indices; integrate the security related data to generate (i) a plurality of integrated security ratings based on the security ratings and (ii) a plurality of integrated indices based on the indices; and provide a graphical user interface including the integrated security related data to a manager device that displays a plurality of tiles, wherein each tile represents a specific security from the plurality of securities and includes at least one of an integrated security rating or an integrated index of the plurality of integrated indices for the specific security.
    Type: Grant
    Filed: January 11, 2021
    Date of Patent: September 19, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Joshua T. Demetry, Randy Mangelsen, Jennifer Blaha, Brian J. Jacobsen, Ann M. Miletti, Noah Wise, Chris Rosato, Manjunath Boraiah
  • Patent number: 11741546
    Abstract: A system includes a network interface circuit configured to facilitate data transmission over a network, and a processing circuit comprising one or more processors coupled to non-transitory memory, wherein the processing circuit is configured to receive a first analyst tracking information from a first analyst device configured to access resources related to a security, receive a second analyst tracking information from a second analyst device configured to access resources related to the security, receive a first analyst feedback response from the first analyst device, receive a second analyst feedback response from the second analyst device, and generate an integrated data synopsis based on the first analyst tracking information data set, the second analyst tracking information data set, the first analyst feedback response, and the second analyst feedback response, wherein the integrated data synopsis includes an integrated analyst rating score for the security.
    Type: Grant
    Filed: January 22, 2021
    Date of Patent: August 29, 2023
    Assignee: Wells Fargo Bank N.A.
    Inventors: Jennifer Blaha, Manjunath Boraiah, Joshua T. Demetry, Brian J. Jacobsen, Randy Mangelsen, Ann M. Miletti, Chris Rosato, Noah Wise
  • Patent number: 11556991
    Abstract: Disclosed in some examples are methods, systems, machine readable mediums that provide a network-based joint investment platform that enforces agreed-upon decision rules on jointly managed investments and provides collaboration and decision-making support tools for joint managers to make decisions about taking actions related to one or more jointly-managed assets. The platform may provide for configuring a plurality of decision rules that identify which managers can take which actions and under what conditions. The joint investment platform may enforce the decision rules by requesting any specified approvals according to the decision rules. Once those rules are satisfied, the joint investment platforms may execute the requested actions. If the required approvals are not obtained, or the rules provide no path to approval, the action may not be executed.
    Type: Grant
    Filed: December 17, 2018
    Date of Patent: January 17, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Joon Maeng, Andrew J. Garner, IV, Brian J. Jacobsen
  • 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
  • Publication number: 20220358585
    Abstract: Systems and techniques for profiling asset acquisition agent are described herein. A target profile may be obtained. A set of profile attributes may be determined for the target profile. An acquisition target pool may be identified using the set of profile attributes. An acquisition matrix data structure may be generated for the acquisition target pool. An asset pool may be generated by acquiring equity of the acquisition target pool based on the acquisition matrix data structure.
    Type: Application
    Filed: August 2, 2017
    Publication date: November 10, 2022
    Inventors: Melinda L. Li, Aldo Anthony Ceccarelli, A Erdem Cimen, Rebecca S. MacDonald, Jerry Wayne Johnson, Chris Theodore Kalaboukis, Brian J. Jacobsen
  • Patent number: 11132682
    Abstract: Systems and methods provide for authenticating a user attempting to make a payment using a piezoelectric device are disclosed herein. In an embodiment, the piezoelectric device can be embedded on a credit card, debit card, or other form of payment card and signals generated by the piezoelectric device can be used to authenticate the user when making the payment. For example, the user can squeeze or manipulate the piezoelectric device in a specific predetermined pattern and the resulting electric charge or induced current generated by the piezoelectric device can facilitate transmitting a signal to a point of sale device, and the point of sale device can authenticate the user based on the signal. In other embodiments, the piezoelectric device can contain circuitry and/or logic that can authenticate the user and send a confirmation signal to the point of sale device to authenticate the payment.
    Type: Grant
    Filed: July 22, 2016
    Date of Patent: September 28, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Brian J. Jacobsen, Benjamin S. Taylor
  • Publication number: 20210097614
    Abstract: Various examples are directed to computerized securities management tools. A pricing service computing system may receive first net asset value (NAV) data describing a first NAV of an open end mutual fund and access first trust strike price data describing a first strike price for the trust shares at the first time. The pricing service computing system may determine that a difference between the first NAV and the first strike price is greater than a threshold value. In response to determining that the difference between the NAV and the strike price is greater than the threshold value, the pricing service computing system may send an alert message to a manager computing device. The alert message may comprise interrupt trigger data to cause the manager computing device to generate at least one of an audible alert or a visual alert.
    Type: Application
    Filed: October 10, 2016
    Publication date: April 1, 2021
    Inventor: Brian J. Jacobsen
  • Patent number: 10963964
    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: December 28, 2016
    Date of Patent: March 30, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Joshua T. Demetry, Brian J. Jacobsen, Shane C. Martwick, Patrick E. McGuinnis, Carolyn A. Wilary
  • Patent number: 10687756
    Abstract: A system includes a biometric sensor configured to detect physiological data associated with anxiety of a user, a memory, and at least one hardware processor executing operations. The operations include selecting a plurality of stimuli from a pool of stimuli, the selected plurality of stimuli including at least one target stimuli associated with a subject matter and at least one generic stimuli not directly associated with the subject matter. The operations also include presenting each stimulus to the user, collecting sensor readings from the biometric sensor, and generating anxiety results. The operations also include determining an anxiety score based on the anxiety results, identifying a plurality of risk tolerance ranges, each risk tolerance range being associated with a category of risk tolerance, and determining a risk tolerance result of the user based on comparing the anxiety score to the plurality of risk tolerance ranges.
    Type: Grant
    Filed: November 28, 2016
    Date of Patent: June 23, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Brian J. Jacobsen