Patents by Inventor Dennis Emmanuel Montenegro

Dennis Emmanuel Montenegro 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: 11908286
    Abstract: A method comprises receiving, by a computing device from a customer device, a request to provision a financial account for the customer, associating, by the computing device, a mobile device with the requested financial account, and sending, by the computing device to the mobile device, authentication information for the requested financial account. The method further includes receiving the authentication information by the computing device from a financial terminal that received the authentication information from the mobile device, receiving, by the computing device, first location information of the mobile device, and provisioning, by the computing device and based on the first location information of the mobile device being within a predetermined distance of a location of the financial terminal, the requested financial account for the customer.
    Type: Grant
    Filed: March 22, 2023
    Date of Patent: February 20, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Shari Van Cleave, Darren Michael Goetz, Dennis Emmanuel Montenegro
  • Publication number: 20230222879
    Abstract: A method comprises receiving, by a computing device from a customer device, a request to provision a financial account for the customer, associating, by the computing device, a mobile device with the requested financial account, and sending, by the computing device to the mobile device, authentication information for the requested financial account. The method further includes receiving the authentication information by the computing device from a financial terminal that received the authentication information from the mobile device, receiving, by the computing device, first location information of the mobile device, and provisioning, by the computing device and based on the first location information of the mobile device being within a predetermined distance of a location of the financial terminal, the requested financial account for the customer.
    Type: Application
    Filed: March 22, 2023
    Publication date: July 13, 2023
    Inventors: Shari Van Cleave, Darren Michael Goetz, Dennis Emmanuel Montenegro
  • Patent number: 11625991
    Abstract: A method comprises receiving, by a computing device from a customer device, a request to provision a financial account for the customer, associating, by the computing device, a mobile device with the requested financial account, and sending, by the computing device to the mobile device, authentication information for the requested financial account. The method further includes receiving the authentication information by the computing device from a financial terminal that received the authentication information from the mobile device, receiving, by the computing device, first location information of the mobile device, and provisioning, by the computing device and based on the first location information of the mobile device being within a predetermined distance of a location of the financial terminal, the requested financial account for the customer.
    Type: Grant
    Filed: October 13, 2021
    Date of Patent: April 11, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Shari Van Cleave, Darren Michael Goetz, Dennis Emmanuel Montenegro
  • Patent number: 11568419
    Abstract: An example method includes receiving information related to a transaction with a financial account initiated by a customer at a financial terminal, the financial account including a transaction limit. Based on the information related to the transaction exceeding the transaction limit for the financial account, the method includes identifying a mobile device associated with the financial account and receiving location information of the mobile device via one or both of a passive location response or an active location response. Based on the location information of the mobile device, the method includes determining that the mobile device is located within a predetermined distance from a location of the financial terminal and temporarily changing the transaction limit for the financial account by a variable amount based on whether the location information of the mobile device was received via the one or both of the passive or the active location response.
    Type: Grant
    Filed: December 17, 2020
    Date of Patent: January 31, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Shari Van Cleave, Darren Michael Goetz, Dennis Emmanuel Montenegro, Dominik Vltavsky, Fairy Bui, Jason Huang, Christopher Sipanya
  • Patent number: 11151845
    Abstract: A method comprises receiving, by a computing device from a customer device, a request to provision a financial account for the customer, associating, by the computing device, a mobile device with the requested financial account, and sending, by the computing device to the mobile device, authentication information for the requested financial account. The method further includes receiving the authentication information by the computing device from a financial terminal that received the authentication information from the mobile device, receiving, by the computing device, first location information of the mobile device, and provisioning, by the computing device and based on the first location information of the mobile device being within a predetermined distance of a location of the financial terminal, the requested financial account for the customer.
    Type: Grant
    Filed: February 9, 2021
    Date of Patent: October 19, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Shari Van Cleave, Darren Michael Goetz, Dennis Emmanuel Montenegro
  • Publication number: 20210264365
    Abstract: A customer interaction architecture includes a customer interaction diagram and interaction specifics. Stakeholders utilize the customer interaction architecture to create customer interaction diagrams describing business and technological components of a customer need. Each step and component in the customer interaction diagram can include one or more drill down diagrams that include additional details. Some drill-down diagrams can show the interaction and relationship between system components. The customer interaction architecture can additionally highlight each step in the customer interaction diagram and debug the diagram for missing or incomplete steps or elements. Various business, technical, and miscellaneous notes and requirements can also be added to the customer interaction diagram and the drill-down diagrams.
    Type: Application
    Filed: October 29, 2015
    Publication date: August 26, 2021
    Inventors: Dennis Emmanuel Montenegro, Michael Dodds
  • Patent number: 10567580
    Abstract: A method of managing customer sentiment includes: monitoring an interaction of a customer with customer interactive media; deriving a sentiment of the customer from the interaction of the customer with the customer interactive media; generating sentiment data for the customer; and updating customer data in a customer database with the sentiment data in real-time.
    Type: Grant
    Filed: August 22, 2018
    Date of Patent: February 18, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Dennis Emmanuel Montenegro, Prasanth Nandanuru, Pavan Kumar Arln, Yejjala Yevanna
  • Patent number: 10084913
    Abstract: A method of managing customer sentiment includes: monitoring an interaction of a customer with customer interactive media; deriving a sentiment of the customer from the interaction of the customer with the customer interactive media; generating sentiment data for the customer; and updating customer data in a customer database with the sentiment data in real-time.
    Type: Grant
    Filed: August 18, 2014
    Date of Patent: September 25, 2018
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Dennis Emmanuel Montenegro, Prasanth Nandanuru, Pavan Kumar Arln, Yejjala Yevanna
  • Patent number: 9854099
    Abstract: A method for creating a push notification at a call center includes: receiving a call from a caller device; receiving, from the caller device, caller identification information; receiving, from the caller device, an inquiry; generating an encrypted token including the caller identification information and the inquiry; and when an agent is available, sending a push notification to the caller device for connecting the caller to the agent, the push notification being associated with the encrypted token, and wherein the agent uses the caller identification information from the encrypted token when the agent is addressing the inquiry.
    Type: Grant
    Filed: November 3, 2016
    Date of Patent: December 26, 2017
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Dennis Emmanuel Montenegro, Prasanth Nandanuru, Pavan Kumar Arln, Yejjala Yevanna
  • Patent number: 9516126
    Abstract: A method for creating a push notification at a call center includes: receiving a call from a caller device; receiving, from the caller device, caller identification information; receiving, from the caller device, an inquiry; generating an encrypted token including the caller identification information and the inquiry; and when an agent is available, sending a push notification to the caller device for connecting the caller to the agent, the push notification being associated with the encrypted token, and wherein the agent uses the caller identification information from the encrypted token when the agent is addressing the inquiry.
    Type: Grant
    Filed: February 3, 2016
    Date of Patent: December 6, 2016
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Dennis Emmanuel Montenegro, Prasanth Nandanuru, Pavan Kumar Arln, Yejjala Yevanna
  • Patent number: 9288324
    Abstract: A method for creating a push notification at a call center includes: receiving a call from a caller device; receiving, from the caller device, caller identification information; receiving, from the caller device, an inquiry; generating an encrypted token including the caller identification information and the inquiry; and when an agent is available, sending a push notification to the caller device for connecting the caller to the agent, the push notification being associated with the encrypted token, and wherein the agent uses the caller identification information from the encrypted token when the agent is addressing the inquiry.
    Type: Grant
    Filed: August 18, 2014
    Date of Patent: March 15, 2016
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Dennis Emmanuel Montenegro, Prasanth Nandanuru, Pavan Kumar Arln, Yejjala Yevanna
  • Publication number: 20160048502
    Abstract: A method of managing customer sentiment includes: monitoring an interaction of a customer with customer interactive media; deriving a sentiment of the customer from the interaction of the customer with the customer interactive media; generating sentiment data for the customer; and updating customer data in a customer database with the sentiment data in real-time.
    Type: Application
    Filed: August 18, 2014
    Publication date: February 18, 2016
    Inventors: Dennis Emmanuel Montenegro, Prasanth Nandanuru, Pavan Kumar Arln, Yejjala Yevanna
  • Publication number: 20160050320
    Abstract: A method for creating a push notification at a call center includes: receiving a call from a caller device; receiving, from the caller device, caller identification information; receiving, from the caller device, an inquiry; generating an encrypted token including the caller identification information and the inquiry; and when an agent is available, sending a push notification to the caller device for connecting the caller to the agent, the push notification being associated with the encrypted token, and wherein the agent uses the caller identification information from the encrypted token when the agent is addressing the inquiry.
    Type: Application
    Filed: August 18, 2014
    Publication date: February 18, 2016
    Inventors: Dennis Emmanuel Montenegro, Prasanth Nandanuru, Pavan Kumar Arln, Yejjala Yevanna