Patents by Inventor Javier S. Silva
Javier S. Silva 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: 11972402Abstract: Systems, methods, and computer-readable storage media for performing a peer-to-peer (P2P) transfer by a third-party, where a method includes receiving transfer information and a first token including sender information of a sender and a second token including receiver information of a receiver, and validating the first token and the second token based on verifying both the sender and the receiver are registered with the real-time payment system. The method includes processing the first token and the second token based on determining a sender endpoint, a receiver endpoint, and a demand deposit account of the sender, and transmitting a request for a guarantee, the request for the guarantee including the sender endpoint and the demand deposit account of the sender. The method includes receiving an issued guarantee, transferring funds based on the transfer information, the first token, and the second token, and transmitting a transfer confirmation.Type: GrantFiled: April 4, 2022Date of Patent: April 30, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Alan W. Hecht, Ann M. Kirk, Brian M. Pearce, Steven E. Puffer, Wairnola Marria Rhodriquez, Javier S. Silva
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Publication number: 20230385928Abstract: A system includes a processing circuit having one or more processors coupled to memory, the processing circuit configured to generate a requestor token comprising information of an applicant and determine verification information is required to process an application associated with the applicant. The processing circuit is further configured to retrieve the verification information based on previously stored information corresponding to the applicant, generate a task comprising a requirement to fulfill based on determining additional information is required, and provide a list of tasks comprising the task to the applicant.Type: ApplicationFiled: August 8, 2023Publication date: November 30, 2023Applicant: Wells Fargo Bank, N.A.Inventors: Alan W. Hecht, Ann M. Kirk, Javier S. Silva
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Publication number: 20230281578Abstract: Systems, methods, and non-transitory computer-readable media for performing exchanges. One method includes receiving a request identifying a payor account and an amount of funds to transfer an account associated with a customer of the depository bank computing system, determining the request qualifies for a non-inquiry transaction (NIT) protocol, transmitting, by the depository bank computing system to an account verification service computing system over the real-time data channel, a guarantee offer including a payor account token based on the shared account status information, receiving, over the real-time data channel and from the account verification service computing system, an accepted guarantee offer, crediting an account of the customer, receiving, over the real-time data channel, a guarantee override, and reversing the transfer of funds associated with the guarantee.Type: ApplicationFiled: May 8, 2023Publication date: September 7, 2023Applicant: Wells Fargo Bank, N.A.Inventors: Alan W. Hecht, Ann M. Kirk, Brian M. Pearce, Steven E. Puffer, Wairnola Marria Rhodriquez, Javier S. Silva
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Patent number: 11741538Abstract: A computer-implemented system and method receive information regarding a funds transfer from a payor to a payee. The information is received by a depository computer system. The depository computer system forwards the information regarding the funds transfer to an account verification service computer system. The depository receives an indication of a real-time account status of an account of the payor. The account status information is received from a paying bank computer system that maintains the account of the payor via the account verification service computer system. Release of the funds to the payee is authorized based on the account status information received via the account verification service computer system. The authorization occurs in real-time relative to when the funds transfer information is initially received.Type: GrantFiled: December 29, 2021Date of Patent: August 29, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Alan W. Hecht, Ann M. Kirk, Javier S. Silva
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Patent number: 11669813Abstract: A method of performing an off-us deposit with reversal is provided. The method includes receiving, by a depository bank computing system associated with a depository bank, a request identifying an amount of a transfer of funds from a paying bank, different from the depository bank, into an account associated with a customer of the depository bank. The method further includes crediting, by the depository bank computing system, the account of the customer of the depository bank by the amount of the transfer of funds. The method further includes determining, by the depository bank computing system, a need for a reversal of the transfer of funds from the account of the customer of the depository bank. The method further includes reversing, by the depository bank computing system, the transfer of funds from the account of the customer by the amount of the transfer of funds.Type: GrantFiled: December 22, 2016Date of Patent: June 6, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Alan W. Hecht, Ann M. Kirk, Brian M. Pearce, Steven E. Puffer, Wairnola Marria Rhodriquez, Javier S. Silva
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Patent number: 11455421Abstract: Systems and methods for providing for a personal data storage, retrieval, and sharing system are described. One method includes importing known user content during an initial content upload phase. The method further includes storing at least a portion of the known user content in a user information database. The method further includes identifying the first document and the second document as including duplicate data or being duplicate copies of one another. The method further includes identifying the second document as a master copy. The method further includes extracting data from the second document. The method further includes extracting additional data associated with the user from the account holder database. The method further includes aggregating the extracted data and the extracted additional data. The method further includes updating user information associated with a user account of the user based on the aggregated data.Type: GrantFiled: June 12, 2020Date of Patent: September 27, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Alan W. Hecht, Javier S. Silva
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Patent number: 11295283Abstract: A method of performing a real-time non-inquiry electronic transaction is provided. The method includes receiving, by a paying bank computing system associated with a paying bank, a posting of a transaction from an account verification service, the transaction corresponding to a transfer of funds from the paying bank computing system to a depository computing system associated with a depository bank. The method further includes sending, by the paying bank computing system, an acknowledgement of the transaction to the account verification service, wherein the transaction is determined to be a non-inquiry transaction such that the transaction is posted at the depository bank computing system without performing an initial inquiry regarding the transaction at the account verification service.Type: GrantFiled: March 21, 2017Date of Patent: April 5, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Alan W. Hecht, Ann M. Kirk, Brian M. Pearce, Steven E. Puffer, Wairnola Marria Rhodriquez, Javier S. Silva
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Patent number: 11227332Abstract: A computer-implemented system and method receive information regarding a funds transfer from a payor to a payee. The information is received by a depository computer system. The depository computer system forwards the information regarding the funds transfer to an account verification service computer system. The depository receives an indication of a real-time account status of an account of the payor. The account status information is received from a paying bank computer system that maintains the account of the payor via the account verification service computer system. Release of the funds to the payee is authorized based on the account status information received via the account verification service computer system. The authorization occurs in real-time relative to when the funds transfer information is initially received.Type: GrantFiled: April 13, 2017Date of Patent: January 18, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Alan W. Hecht, Ann M. Kirk, Javier S. Silva
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Patent number: 11068866Abstract: A computer-implemented system and method receive information regarding a funds transfer from a payor to a payee. The information includes a data payload related to the funds transfer. The information is received by a depository computer system. The depository computer system forwards the information regarding the funds transfer to an account verification service computer system. The information, including the data payload, is transmitted by via the account verification service computer system to the paying bank for use by the payor.Type: GrantFiled: February 16, 2016Date of Patent: July 20, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Alan W. Hecht, Ann M. Kirk, Brian M. Pearce, Steven E. Puffer, Wairnola Marria Rhodriquez, Javier S. Silva
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Patent number: 10685136Abstract: Systems and methods for providing for a personal data storage, retrieval, and sharing system are described. The system permits users to store important personal documents and personal information in a secure data storage system. The system can extract information from the stored documents. The user can then share stored documents themselves and/or the information extracted from the stored documents with other users.Type: GrantFiled: February 11, 2016Date of Patent: June 16, 2020Assignee: Wells Fargo Bank, N.A.Inventors: Alan W. Hecht, Javier S. Silva