Patents by Inventor David Hatch
David Hatch 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: 12614205Abstract: One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data. Similarly, renderings may be selected based on interaction capabilities or interaction options a user may have with different renderings or presentations. In other embodiments, user interaction with an automated teller machine (ATM), call center, vehicle, or other interface can be based on device properties or device capabilities.Type: GrantFiled: June 10, 2024Date of Patent: April 28, 2026Assignee: Wells Fargo Bank, N.A.Inventors: Stephen M. Ellis, Bipin Sahni, David Hatch, Shahid Razzaq
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Publication number: 20260111929Abstract: An example embodiment includes one or more processors configured to execute computer executable instructions stored in a memory to determine a device property of a mobile device including a location of the mobile device using a geographic positioning system detection component, select a security mode for the mobile device based on a device property where a high security mode is selected when the mobile device is located in a first location, and a low security mode is selected when the mobile device is located in a second location where the second location is specified as part of a preference associated with a user account associated with the mobile device, and selectively provide a visualization on a user interface that masks a portion of the visualization in the high security mode and does not mask the portion of the visualization in the low security mode.Type: ApplicationFiled: December 22, 2025Publication date: April 23, 2026Applicant: Wells Fargo Bank, N.A.Inventors: Stephen M. Ellis, Bipin Sahni, David Hatch, Shahid Razzaq
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Patent number: 12481897Abstract: A system for recommending comprises an interface and a processor. An interface is configured to receive an input. The input is stored and associated with two user identifiers. The processor is configured to make recommendations based at least in part on the input.Type: GrantFiled: August 26, 2020Date of Patent: November 25, 2025Assignee: MFTB Holdco, Inc.Inventors: Todd Holloway, David Hatch, Susan Lin, Brandon Blanchard
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Patent number: 12456099Abstract: One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data. Similarly, renderings may be selected based on interaction capabilities or interaction options a user may have with different renderings or presentations. In other embodiments, user interaction with an automated teller machine (ATM), call center, vehicle, or other interface can be based on device properties or device capabilities.Type: GrantFiled: January 5, 2024Date of Patent: October 28, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Stephen M. Ellis, Bipin Sahni, David Hatch, Shahid Razzaq
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Publication number: 20250328969Abstract: A system for recommending comprises an interface and a processor. An interface is configured to receive an input. The input is stored and associated with two user identifiers. The processor is configured to make recommendations based at least in part on the input.Type: ApplicationFiled: August 26, 2020Publication date: October 23, 2025Inventors: Todd Holloway, David Hatch, Susan Lin, Brandon Blanchard
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Patent number: 12204618Abstract: In an example, techniques of this disclosure include establishing, by a computing device, authentication data for authenticating a user of a service provided by a service provider, where the authentication data comprises one or more first data entries and one or more second data entries that correspond to the one or more first data entries. The techniques also include retrieving, from at least one third-party service provider, one or more second data entries maintained by the at least one third-party service provider that correspond to the one or more first data entries, and authenticating the user based on the authentication data, where authenticating the user comprises comparing the one or more first data entries to the one or more second data entries retrieved from the at least one third-party service provider.Type: GrantFiled: July 19, 2021Date of Patent: January 21, 2025Assignee: Wells Fargo Bank, N.A.Inventor: David Hatch
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Publication number: 20240330975Abstract: One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data. Similarly, renderings may be selected based on interaction capabilities or interaction options a user may have with different renderings or presentations. In other embodiments, user interaction with an automated teller machine (ATM), call center, vehicle, or other interface can be based on device properties or device capabilities.Type: ApplicationFiled: June 10, 2024Publication date: October 3, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Stephen M. Ellis, Bipin Sahni, David Hatch, Shahid Razzaq
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Patent number: 12063401Abstract: A video device configured to display video content includes a downstream network circuit for accessing and exchanging data with a computing system over a network, a downstream signal processing circuit for receiving video signals over a broadcast medium and converting the video signals into a video content stream, and one or more processors for causing a display to present the video content, and while displaying the video content, identifying a vendor, determining that the vendor is a registered biller, determining that the user has a bill due with the vendor, and overlaying an indication of the bill onto the video content, where the overlay includes an interactive element enabling the user to provide a user input to cause a payment to be made to the vendor. A bill pay request is generated and sent through the downstream network circuit to cause a payment to be made to the vendor.Type: GrantFiled: April 14, 2023Date of Patent: August 13, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Bipin M. Sahni, Balinder Mangat, David Hatch
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Patent number: 12040145Abstract: Electrical switching device are disclosed having a housing with internal component within the housing. The internal components comprise contacts configured to operate, to change the state of the switching device from a closed state, allowing current flow through the switching device to an open state which interrupts current flow through the switching device. A pyrotechnic feature is included that is configured to interact with the internal components to transition the switching device from the closed state to the open state when the pyrotechnic feature is activated. The pyrotechnic feature is configured to trigger in response to levitation between the contacts at elevated current signal flowing through the switching device.Type: GrantFiled: September 12, 2022Date of Patent: July 16, 2024Assignee: Gigavac, LLCInventors: Bernard Bush, Murray Stephan McTigue, Daniel Sullivan, David Hatch
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Publication number: 20240196030Abstract: Systems and methods for completing bill pay requests are described. The system includes one or more processors and memory storing instructions that, when executed by the one or more processors, cause the one or more processors to receive a bill pay request corresponding to a segment of broadcast video content, the bill pay request initiated by a customer to a vendor, and complete the bill pay request by causing funds from a customer account of the customer to be sent to a vendor account of the vendor.Type: ApplicationFiled: February 26, 2024Publication date: June 13, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Bipin M. Sahni, Balinder Mangat, David Hatch
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Patent number: 12008596Abstract: One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data. Similarly, renderings may be selected based on interaction capabilities or interaction options a user may have with different renderings or presentations. In other embodiments, user interaction with an automated teller machine (ATM), call center, vehicle, or other interface can be based on device properties or device capabilities.Type: GrantFiled: January 13, 2020Date of Patent: June 11, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Stephen M. Ellis, Bipin Sahni, David Hatch, Shahid Razzaq
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Publication number: 20240144183Abstract: One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data. Similarly, renderings may be selected based on interaction capabilities or interaction options a user may have with different renderings or presentations. In other embodiments, user interaction with an automated teller machine (ATM), call center, vehicle, or other interface can be based on device properties or device capabilities.Type: ApplicationFiled: January 5, 2024Publication date: May 2, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Stephen M. Ellis, Bipin Sahni, David Hatch, Shahid Razzaq
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Patent number: 11936933Abstract: A broadcast headend includes an upstream network circuit, an upstream signal processing circuit, and a content processing circuit. The upstream network circuit is configured to communicate with a financial institution computing system over an internet network. The upstream signal processing circuit is configured to broadcast a video content signal over a broadcast medium to a downstream device. The content processing circuit is configured to receive a content stream including a unique property code associated with a vendor; while the video content signal is being broadcast, parse the unique property code associated with the vendor from the content stream; and send a bill pay request to the financial institution computing system to effect a payment to the vendor.Type: GrantFiled: October 31, 2022Date of Patent: March 19, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Bipin M. Sahni, Balinder Mangat, David Hatch
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Patent number: 11917228Abstract: Systems and methods for generating bill pay requests via an internet-enabled video displaying device are described. The system includes one or more processors and memory storing instructions that, when executed by the one or more processors, cause the one or more processors to maintain a database that includes account information for at least one customer of a financial institution, maintain a bill pay database that includes at least one registered biller, provide a bill pay feature by which a customer can cause a payment to be issued to a registered biller, receive a bill pay request to a vendor corresponding to a segment of broadcast video content, and complete a bill pay request by causing funds from the customer's account to be sent to the vendor.Type: GrantFiled: October 31, 2022Date of Patent: February 27, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Bipin M. Sahni, Balinder Mangat, David Hatch
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Patent number: 11868963Abstract: One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data. Similarly, renderings may be selected based on interaction capabilities or interaction options a user may have with different renderings or presentations. In other embodiments, user interaction with an automated teller machine (ATM), call center, vehicle, or other interface can be based on device properties or device capabilities.Type: GrantFiled: September 26, 2022Date of Patent: January 9, 2024Assignee: WELLS FARGO BANK, N.A.Inventors: Stephen M. Ellis, Bipin Sahni, David Hatch, Shahid Razzaq
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Patent number: 11853919Abstract: A mobile wallet system to users is described. The mobile wallet system allows users to provide payments to merchants via the mobile wallet system. Users' mobile wallets are linked to payment forms associated with the users (e.g., bank accounts, credit cards, gift cards, etc.). Additionally, the mobile wallet system allows a first user to request funding from or provide funding to a second user for certain transactions. To pay for a good or service provided by a merchant, a user selects a form of payment, which may be another user, and provides a code to the merchant, which is used by a merchant computing system to initiate payment from the user to the merchant via the financial institution computing system.Type: GrantFiled: March 4, 2015Date of Patent: December 26, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Balinder Mangat, David Hatch, Uma Meyyappan, Bipin Sahni, Nikolai Stroke
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Patent number: 11830048Abstract: Systems and methods for processing customer requests to access purchasable items using financial assessments are described. A customer using a mobile device can identify a good of interest and transmit a request to access and test it. A financial institution computing system with a database of customer financial information can generate a financial assessment of the customer and the customer's identified good, which can then be used to determine whether the customer's request should be granted.Type: GrantFiled: October 28, 2021Date of Patent: November 28, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Bipin M. Sahni, Balinder Mangat, David Hatch
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Publication number: 20230360008Abstract: A method of facilitating a payment to a merchant is described. The method includes receiving, by a computing system from a first user device, a request to fund a purchase of a first user from the merchant with funds from a second user; transmitting, by the computing system, a message including the request to fund the purchase of the first user to a second user device associated with the second user; transmitting, by the computing system, updated payment information to the first user device, the updated payment information including a payment code; receiving, by the computing system, a transaction request from the merchant, the transaction request including the payment code; and transmitting, by the computing system, an approval message to the merchant.Type: ApplicationFiled: July 18, 2023Publication date: November 9, 2023Applicant: Wells Fargo Bank, N.A.Inventors: Balinder Mangat, David Hatch, Uma Meyyappan, Bipin Sahni, Nikolai Stroke
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Patent number: 11729316Abstract: One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data. Similarly, renderings may be selected based on interaction capabilities or interaction options a user may have with different renderings or presentations. In other embodiments, user interaction with an automated teller machine (ATM), call center, vehicle, or other interface can be based on device properties or device capabilities.Type: GrantFiled: December 29, 2021Date of Patent: August 15, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Stephen M. Ellis, Bipin Sahni, David Hatch, Shahid Razzaq
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Publication number: 20230254522Abstract: A video device configured to display video content includes a downstream network circuit for accessing and exchanging data with a computing system over a network, a downstream signal processing circuit for receiving video signals over a broadcast medium and converting the video signals into a video content stream, and one or more processors for causing a display to present the video content, and while displaying the video content, identifying a vendor, determining that the vendor is a registered biller, determining that the user has a bill due with the vendor, and overlaying an indication of the bill onto the video content, where the overlay includes an interactive element enabling the user to provide a user input to cause a payment to be made to the vendor. A bill pay request is generated and sent through the downstream network circuit to cause a payment to be made to the vendor.Type: ApplicationFiled: April 14, 2023Publication date: August 10, 2023Applicant: Wells Fargo Bank, N.A.Inventors: Bipin M. Sahni, Balinder Mangat, David Hatch