Patents by Inventor Darrell L. Suen
Darrell L. Suen 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: 20240127220Abstract: A method includes receiving, from a customer device while the customer device depicts a login page for an account, information regarding the customer device including a customer device token and information regarding the contactless card including an encrypted contactless card token that is received by the customer device from a contactless communication with the contactless card; authenticating, while the customer device depicts the login page for the account, a customer associated with the contactless card based on the information regarding the customer device, an indication that the customer has logged into the customer device, and the information regarding the contactless card by: decrypting the encrypted contactless card token; identifying the customer; verifying that the customer is logged in to the customer device; and providing access to the account by sending an instruction to the customer device to display online account information in place of the login page.Type: ApplicationFiled: December 22, 2023Publication date: April 18, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Deana Cook, Darrell L. Suen, William E. Wheeler
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Patent number: 11962655Abstract: A method for managing a communication session includes receiving a request to perform a task. The task is divided into one or more steps. One or more user devices are identified that can be used to perform one or more of the steps. One or more communication channels are identified that are available to the one or more user devices. The communication session is permitted to switch from one or more of the user devices and communication channels to complete the one or more steps of the task while maintaining a continuity of the communication session.Type: GrantFiled: October 18, 2022Date of Patent: April 16, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Suzanne M. Fisi, Kristine Ing Kushner, Stephanie S. Hellman, Joel Gardner, John Chuprevich, Ayesha Hasan, Darrell L. Suen, Chris Kalaboukis
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Patent number: 11941608Abstract: A method, apparatus, and system of activating and using a contactless card are disclosed. More particularly, a transaction card that includes a contactless enabled chip having a customer-specific uniform resource locator (URL) stored thereon, where the contactless enabled chip is configured to communicate the customer-specific URL to a mobile device via a contactless communication to activate the transaction card for use in a transaction.Type: GrantFiled: December 4, 2019Date of Patent: March 26, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Deana Cook, Darrell L. Suen, William E. Wheeler
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Patent number: 11941628Abstract: A method includes receiving a request to set verification settings for a payment aggregator computing system; determining an alias account number for a transaction account based on account information; transmitting a request to the payment aggregator computing system to store the alias account number instead of the account information; receiving a transaction request from the payment aggregator computing system; implementing a verification policy comprising a first sub-policy and a second sub-policy, based on the verification settings corresponding to the alias account number and a threshold transaction amount, including: determining a predetermined threshold of a monetary amount, determining a first sub-policy monetary amount, comparing the first sub-policy monetary amount to the predetermined threshold, determining that the first sub-policy monetary amount does not meet the predetermined threshold, implementing the second sub-policy, generating and transmitting an electronic message comprising a selectableType: GrantFiled: February 27, 2023Date of Patent: March 26, 2024Assignee: Wells Fargo Bank, N.A.Inventors: David Dietrich, Iris Duncan, Bryan Kroll, Paul Ku, Kristine Ing Kushner, David G. Lamb, Darrell L. Suen
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Patent number: 11928666Abstract: A method, apparatus, and system of activating and using a contactless card are disclosed. More particularly, a method of accessing an account is disclosed. The method includes receiving, by a transaction card processing circuit from a customer device, information regarding the customer device and information regarding a contactless card associated with the account, where the information regarding the contactless card is received by the customer device via a contactless communication with the contactless card, authenticating a customer associated with the contactless card based on the information regarding the customer device and the information regarding the contactless card, and providing access to the account by the customer device based on the authentication.Type: GrantFiled: December 4, 2019Date of Patent: March 12, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Deana Cook, Darrell L. Suen, William E. Wheeler
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Patent number: 11910190Abstract: Subscriber identity modules can be bound to devices and utilized for authentication. An initial or additional subscriber identity module can be bound to a user device, for instance after successful user authentication by way of an alternate mechanism. A subscriber identity module of a device can be identified, and carrier data associated with the subscriber identity module can be requested and received. A determination can be made regarding whether the subscriber identity module is linked to the device, for instance by an original linkage. A user profile can be automatically updated with the carrier data to bind the user to the user device based on the subscriber identity module when the subscriber identity module is verified to be linked to the user device. Subsequently, the subscriber identity module can be utilized as a basis for authentication.Type: GrantFiled: June 23, 2022Date of Patent: February 20, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Elenchezhean Selvaraj, Darrell L. Suen, Melody Su-Shin Kao, Sridhar Kotamraju
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Patent number: 11875684Abstract: Customization of sharing of rides can involve the grouping of passengers in vehicles according to objective and subjective parameters and preferences. In some embodiments, vehicles or other components of the system are equipped to identify and compare information about users of the system using biometric scanning. In some embodiments, fares for rideshares can be tied to a projected quality or desirability of the rideshare for a user or users of the system.Type: GrantFiled: February 17, 2020Date of Patent: January 16, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Jennifer L. Copeland, Suzanne M. Fisi, Simone O. Harvey, David C. Hatch, Muhammad Farukh Munir, Aaron Francis Colfax Petrik, Darrell L. Suen, Timothy R. Ward, Steven J. Wirt, Ryan J. Wyler, Nancy B. Zimmerman, Chris Kalaboukis
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Patent number: 11775978Abstract: Systems, methods, and computer-readable storage media utilized for event-based authentication. One method includes recognizing an event and receiving, from a device, a withdrawal request of a user, wherein the withdrawal request includes a captured feature by the device. The method further includes determining that the user is associated with the recognized event using at least a geographic proximity between the event and the withdrawal request, wherein the geographic proximity is a given radius around a location of the event, and wherein the device is within the given radius and adjusting authentication rules based on the determination that the user is associated with the recognized event, wherein the adjustment of the authentication rules includes adjusting a matching threshold between the captured feature and a reference feature. The method further includes processing the withdrawal request for the user based on the adjusted authentication rules.Type: GrantFiled: May 19, 2021Date of Patent: October 3, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Michael Chang, John Chuprevich, Kevin R. Cieslak, Christopher P. Clausen, Jeffrey A. Cornman, Samuel Downing, Bryan Hall, Julio Jiron, Bryan Kroll, Samuel Martin, Traci Nguyen, Virginia Randle, Priyamvada Singh, Darrell L. Suen, Kenneth L. Wright
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Publication number: 20230267449Abstract: A mobile device includes a wireless chip, a display, a processor, and a memory storing instructions that, when executed by the processor, cause the processor to perform operations. The operations include: based on a first short-range wireless communication, receiving a customer-specific uniform resource locator (URL) from the contactless card via a wireless chip; automatically navigating to a website associated with the customer-specific URL; receiving authentication information and automatically populating one or more fields on a graphical user interface (GUI); displaying, by the display, an indication of activation of the contactless card; receiving and accepting a prompt to register the mobile device with the activated contactless card; and based on at least a second short range wireless communication between the registered mobile device and the contactless card, providing a second GUI including an online login portal for accessing an account that is associated with the contactless card.Type: ApplicationFiled: May 2, 2023Publication date: August 24, 2023Applicant: Wells Fargo Bank, N.A.Inventors: Deana Cook, Darrell L. Suen, William E. Wheeler
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Publication number: 20230222596Abstract: Purchasing, maintaining, and deriving revenue from mobile autonomous units is facilitated by providing a mobile autonomous unit marketplace in which equity shares in mobile autonomous units can be bought, sold and traded. Valuation of mobile autonomous units within the marketplace can be a function of a variety of factors such as the mobile autonomous unit's primary geographic region, and the number, diversity, and time management of revenue streams available to the mobile autonomous units.Type: ApplicationFiled: March 17, 2023Publication date: July 13, 2023Inventors: Jennifer L. Copeland, Suzanne M. Fisi, Simone O. Harvey, David C. Hatch, Muhammad Farukh Munir, Aaron Francis Colfax Petrik, Darrell L. Suen, Timothy R. Ward, Steven J. Wirt, Ryan J. Wyler, Nancy B. Zimmerman, Chris Kalaboukis
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Patent number: 11699189Abstract: Purchasing, maintaining, and deriving revenue from mobile autonomous units is facilitated by providing a mobile autonomous unit marketplace in which equity shares in mobile autonomous units can be bought, sold and traded. Valuation of mobile autonomous units within the marketplace can be a function of a variety of factors such as the mobile autonomous unit’s primary geographic region, and the number, diversity, and time management of revenue streams available to the mobile autonomous units.Type: GrantFiled: April 20, 2020Date of Patent: July 11, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Jennifer L. Copeland, Suzanne M. Fisi, Simone O. Harvey, David C. Hatch, Muhammad Farukh Munir, Aaron Francis Colfax Petrik, Darrell L. Suen, Timothy R. Ward, Steven J. Wirt, Ryan J. Wyler, Nancy B. Zimmerman, Chris Kalaboukis
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Patent number: 11694188Abstract: A method, apparatus, and system of activating and using a contactless card are disclosed. A mobile device includes a wireless chip structured to allow short-range wireless communications (e.g., a near-field communication), a processor, and a memory storing instructions. The mobile device is configured to communicate with a contactless card via a short-range wireless communication and receive a customer-specific uniform resource locator (URL) from the contactless card via a wireless chip. In response, the mobile device is configured to automatically open a web browser and navigate to a website associated with the customer-specific URL. The customer-specific URL identifying the client associated with the contactless card. The mobile device then prompts, via a GUI on the display, a user for authentication information, and based on a verification of the authentication information, display a confirmation page indicating activation of the contactless card.Type: GrantFiled: August 5, 2020Date of Patent: July 4, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Deana Cook, Darrell L. Suen, William E. Wheeler
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Publication number: 20230208834Abstract: Identity management is disclosed that allows authentication of a user for a third party by way of an encrypted token. A biometric signature can be requested for a user of a user device. In response, an encrypted token can be generated based at least in part on the biometric signature. The encrypted token can then be provided back to the user device, which can save the encrypted token to a secure location on the user device accessible by biometric authentication of the user on the user device. An authentication request can be provided from a third party which includes an encrypted token. A determination can be made regarding whether user identity can be confirmed based on the encrypted token. An indication of whether the user identity was confirmed or unconfirmed can then be communicated in response to the authentication request.Type: ApplicationFiled: March 6, 2023Publication date: June 29, 2023Applicant: Wells Fargo Bank, N.A.Inventor: Darrell L. Suen
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Patent number: 11601421Abstract: Identity management is disclosed that allows authentication of a user for a third party by way of an encrypted token. A biometric signature can be requested for a user of a user device. In response, an encrypted token can be generated based at least in part on the biometric signature. The encrypted token can then be provided back to the user device, which can save the encrypted token to a secure location on the user device accessible by biometric authentication of the user on the user device. An authentication request can be provided from a third party which includes an encrypted token. A determination can be made regarding whether user identity can be confirmed based on the encrypted token. An indication of whether the user identity was confirmed or unconfirmed can then be communicated in response to the authentication request.Type: GrantFiled: June 23, 2020Date of Patent: March 7, 2023Assignee: Wells Fargo Bank, N.A.Inventor: Darrell L. Suen
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Patent number: 11599619Abstract: Provided is relative multifactor authentication for interactions between users and one or more entities. Relative multifactor authentication includes monitoring a set of attributes associated with a user during an interaction between the user and the entity. The set of attributes include at least two of a behavioral attribute, a health attribute, a geospatial attribute, and a device attribute. Relative multifactor authentication also include comparing respective parameters of attributes of the set of attributes with expected parameters and determining an authentication status based on the comparison and weighted values assigned to respective attributes of the set of attributes. The user is selectively authenticated to begin to continue the interaction based on the authentication status.Type: GrantFiled: December 15, 2021Date of Patent: March 7, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Michael T. Duke, Kourtney Eidam, Christopher P. Clausen, Darrell L. Suen, Melody Kao
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Patent number: 11599871Abstract: A method, apparatus, and system of activating and using a contactless card are disclosed. More particularly, a transaction card including a contactless enabled chip having payment information and identity information stored thereon, where the contactless enabled chip is configured to communicate the identity information to a mobile device via a contactless communication, and where the identity information comprises a cryptographic key, cryptographic token, or a digital certificate is disclosed.Type: GrantFiled: December 4, 2019Date of Patent: March 7, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Deana Cook, Darrell L. Suen, William E. Wheeler
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Patent number: 11593801Abstract: A method for implementing transactions includes receiving, by a first computing system, a transaction request from a second computing system, the transaction request indicating a first account number that is an alias of a transaction account having a second account number, and specifying a transaction. The method further includes determining the second account number by referencing a data structure that associates the first account number and the second account number, determining a verification policy associated with the second account number, and transmitting a verification challenge based on the verification policy. The method yet further includes receiving a response to the verification challenge, determining to authorize the transaction request based on the response to the verification challenge, and implementing the transaction involving the transaction account specified by the transaction request.Type: GrantFiled: June 15, 2018Date of Patent: February 28, 2023Assignee: Wells Fargo Bank, N.A.Inventors: David Dietrich, Iris Duncan, Bryan Kroll, Paul Ku, Kristine Ing Kushner, David G. Lamb, Darrell L. Suen
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Patent number: 11593517Abstract: A financial institution computing system associated with a financial institution includes a network interface configured to communicate data over a network, and a processing circuit comprising a memory and a processor. The memory has instructions stored thereon that cause the processor to receive, by the network interface, a content request from a user computing device associated with a user, the content request requesting content from a network destination, determine if the network destination is associated with a trusted entity, determine that the requested content prompts the user to input sensitive information, and transmit, by the network interface substitution content to the user computing device responsive to determining that the network destination is illegitimate and to determining that the requested content includes at least one field into which the user may input sensitive information, the substitution content including at least one prompt requesting the user to input sensitive information.Type: GrantFiled: June 22, 2021Date of Patent: February 28, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Kevin R. Cieslak, Jeffrey A. Cornman, Chris Kalaboukis, Ramanathan Ramanathan, Darrell L. Suen, Christina M. Zappala
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Patent number: 11562362Abstract: According to one example arrangement, a computer implemented method performed by a computing system, includes identifying a user device associated with a user. Authentication information regarding the user indicative of use of the user device is captured. A confidence level for the user is dynamically adjusted based on the authentication information. The confidence level is responsive to the use of the user device by the user.Type: GrantFiled: January 23, 2018Date of Patent: January 24, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Michael H. Chang, Cynthia James, Joon Maeng, Darius A. Miranda, Muhammad Farukh Munir, Darrell L. Suen, Charlotte Yan Whitney
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Patent number: 11551200Abstract: A method, apparatus, and system of activating and using a contactless card are disclosed. A method includes receiving a transaction card application for a contactless transaction card from an applicant; issuing a contactless transaction card based on the transaction card application, wherein the contactless transaction card comprises a uniform resource locator (URL) embedded thereon; and activating the contactless transaction card in response to receiving information from a contactless communication between the contactless transaction card and a customer device, wherein the contactless communication causes access to a web site associated with the URL.Type: GrantFiled: December 4, 2019Date of Patent: January 10, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Deana Cook, Darrell L. Suen, William E. Wheeler