Patents by Inventor Christopher Wayne Howser

Christopher Wayne Howser 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).

  • Patent number: 11914719
    Abstract: A system determines a baseline cyberthreat-risk score for a user, and displays the baseline cyberthreat-risk score via a user interface. The system presents at least one cyberthreat-education activity via the user interface, and receives, via the user interface, at least one user input associated with the presented at least one cyberthreat-education activity. The system generates an updated cyberthreat-risk score at least in part by updating the baseline cyberthreat-risk score based at least in part on the user input, and displays the updated cyberthreat-risk score via the user interface.
    Type: Grant
    Filed: April 15, 2020
    Date of Patent: February 27, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Chad E. Adams, Daniel Robert Caricato, Kahlidah B. Covington, Ashley Brook Godfrey, Christopher Wayne Howser, Nicola A. Maiorana, Nirali J. Patel, Richard Joseph Schroeder, Roger Daryll White
  • Patent number: 11848957
    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: September 29, 2022
    Date of Patent: December 19, 2023
    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: 11848943
    Abstract: Systems and techniques for centralized threat intelligence are described herein. A connection may be established to a plurality of threat data sources. An anonymized set of threat data may be obtained by application of a set of privacy rules to the threat data from the plurality of threat data. A threat database may be populated with the anonymized set of threat data. A registration request may be received for a user of a device. A unique user identifier may be assigned for the user and a unique device identifier may be assigned for the device. A threat model may be generated based on a set of the characteristics from the threat database. A set of data access attributes may be received for a data access request. The data access request may be blocked based on an evaluation of the data access attributes using the threat model.
    Type: Grant
    Filed: July 11, 2022
    Date of Patent: December 19, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Chad E. Adams, Daniel Robert Caricato, Kahlidah B. Covington, Ashley Brook Godfrey, Christopher Wayne Howser, Nicola A. Maiorana, Nirali J. Patel, Richard Joseph Schroeder, Roger Daryll White
  • 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
  • Publication number: 20220353281
    Abstract: Systems and techniques for centralized threat intelligence are described herein. A connection may be established to a plurality of threat data sources. An anonymized set of threat data may be obtained by application of a set of privacy rules to the threat data from the plurality of threat data. A threat database may be populated with the anonymized set of threat data. A registration request may be received for a user of a device. A unique user identifier may be assigned for the user and a unique device identifier may be assigned for the device. A threat model may be generated based on a set of the characteristics from the threat database. A set of data access attributes may be received for a data access request. The data access request may be blocked based on an evaluation of the data access attributes using the threat model.
    Type: Application
    Filed: July 11, 2022
    Publication date: November 3, 2022
    Inventors: Chad E. Adams, Daniel Robert Caricato, Kahlidah B. Covington, Ashley Brook Godfrey, Christopher Wayne Howser, Nicola A. Maiorana, Nirali J. Patel, Richard Joseph Schroeder, Roger Daryll White
  • Patent number: 11394766
    Abstract: Disclosed herein are systems and methods for establishing, using, and recovering universal digital identifiers. In an embodiment, a system establishes a universal identifier (ID) associated with a user and a device of the user. The universal ID is universal with respect to a plurality of distinct entities, has at least a suspended state and an unsuspended state, and initially is in the unsuspended state. The system transmits the universal ID to the device of the user. Thereafter, the system detects an ID-suspension event in connection with the universal ID, and responsively suspends the universal ID, including placing the universal ID in the suspended state. After suspending the universal ID, the system completes an ID-recovery process for the universal ID, and responsively unsuspends the universal ID, including placing the universal ID in the unsuspended state.
    Type: Grant
    Filed: April 15, 2020
    Date of Patent: July 19, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Chad E. Adams, Daniel Robert Caricato, Kahlidah B. Covington, Ashley Brook Godfrey, Christopher Wayne Howser, Nicola A. Maiorana, Nirali J. Patel, Richard Joseph Schroeder, Roger Daryll White
  • Patent number: 11388179
    Abstract: Systems and techniques for centralized threat intelligence are described herein. A connection may be established to a plurality of threat data sources. An anonymized set of threat data may be obtained by application of a set of privacy rules to the threat data from the plurality of threat data. A threat database may be populated with the anonymized set of threat data. A registration request may be received for a user of a device. A unique user identifier may be assigned for the user and a unique device identifier may be assigned for the device. A threat model may be generated based on a set of the characteristics from the threat database. A set of data access attributes may be received for a data access request. The data access request may be blocked based on an evaluation of the data access attributes using the threat model.
    Type: Grant
    Filed: May 6, 2020
    Date of Patent: July 12, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Chad E. Adams, Daniel Robert Caricato, Kahlidah B. Covington, Ashley Brook Godfrey, Christopher Wayne Howser, Nicola A. Maiorana, Nirali J. Patel, Richard Joseph Schroeder, Roger Daryll White
  • Publication number: 20210352088
    Abstract: Systems and techniques for centralized threat intelligence are described herein. A connection may be established to a plurality of threat data sources. An anonymized set of threat data may be obtained by application of a set of privacy rules to the threat data from the plurality of threat data. A threat database may be populated with the anonymized set of threat data. A registration request may be received for a user of a device. A unique user identifier may be assigned for the user and a unique device identifier may be assigned for the device. A threat model may be generated based on a set of the characteristics from the threat database. A set of data access attributes may be received for a data access request. The data access request may be blocked based on an evaluation of the data access attributes using the threat model.
    Type: Application
    Filed: May 6, 2020
    Publication date: November 11, 2021
    Inventors: Chad E. Adams, Daniel Robert Caricato, Kahlidah B. Covington, Ashley Brook Godfrey, Christopher Wayne Howser, Nicola A. Maiorana, Nirali J. Patel, Richard Joseph Schroeder, Roger Daryll White
  • Publication number: 20210329058
    Abstract: Disclosed herein are systems and methods for establishing, using, and recovering universal digital identifiers. In an embodiment, a system establishes a universal identifier (ID) associated with a user and a device of the user. The universal ID is universal with respect to a plurality of distinct entities, has at least a suspended state and an unsuspended state, and initially is in the unsuspended state. The system transmits the universal ID to the device of the user. Thereafter, the system detects an ID-suspension event in connection with the universal ID, and responsively suspends the universal ID, including placing the universal ID in the suspended state. After suspending the universal ID, the system completes an ID-recovery process for the universal ID, and responsively unsuspends the universal ID, including placing the universal ID in the unsuspended state.
    Type: Application
    Filed: April 15, 2020
    Publication date: October 21, 2021
    Inventors: Chad E. Adams, Daniel Robert Caricato, Kahlidah B. Covington, Ashley Brook Godfrey, Christopher Wayne Howser, Nicola A. Maiorana, Nirali J. Patel, Richard Joseph Schroeder, Roger Daryll White
  • Patent number: 10237298
    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: April 23, 2015
    Date of Patent: March 19, 2019
    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: 7725710
    Abstract: A system such as in a networked computer system comprising a user, an application server, a gatekeeper server and an authentication server. Communication within the system is managed by the gatekeeper server, wherein the user communicates with the authentication server and the application server through the gatekeeper server. Once the user has been initially authenticated by the authentication server, the user may request application services from a plurality of application servers within the networked computer system without having to be re-authenticated.
    Type: Grant
    Filed: April 7, 2006
    Date of Patent: May 25, 2010
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Edward R. Kelly, Christopher Wayne Howser, Jonathan Francis Savage, Yuliang Zheng
  • Publication number: 20100017859
    Abstract: A system such as in a networked computer system comprising a user, an application server, a gatekeeper server and an authentication server. Communication within the system is managed by the gatekeeper server, wherein the user communicates with the authentication server and the application server through the gatekeeper server. Once the user has been initially authenticated by the authentication server, the user may request application services from a plurality of application servers within the networked computer system without having to be re-authenticated.
    Type: Application
    Filed: September 14, 2009
    Publication date: January 21, 2010
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Edward R. Kelly, Christopher Wayne Howser, Jonathan Francis Savage, Yuliang Zheng
  • Patent number: 7610617
    Abstract: A system such as in a networked computer system comprising a user, an application server, a gatekeeper server and an authentication server. Communication within the system is managed by the gatekeeper server, wherein the user communicates with the authentication server and the application server through the gatekeeper server. Once the user has been initially authenticated by the authentication server, the user may request application services from a plurality of application servers within the networked computer system without having to be re-authenticated.
    Type: Grant
    Filed: December 22, 2004
    Date of Patent: October 27, 2009
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Edward R. Kelly, Christopher Wayne Howser, Jonathan Francis Savage, Yuliang Zheng