Patents by Inventor Jenny Y. Tao
Jenny Y. Tao 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: 11954670Abstract: A method, user device, and computer-readable storage media for registering and activating accounts is provided. One method includes transmitting a first input from a user regarding opening an account at an institution, establishing a communication session based on exchanging encryption keys between the user device and the computing system, in response to establishing the communication session, automatically installing a client application, displaying, via the client application, a graphical user interface (GUI) including a request for a user verification, transmitting, via the communication session, a received user verification, receiving a second input to add the account a mobile wallet on the user device, prompting the user for a value regarding the account, and receiving and storing, via the communication session, a payment token for transactions via the mobile wallet before a physical card associated with the account of the computing system is received.Type: GrantFiled: November 14, 2022Date of Patent: April 9, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Ashish B. Kurani, Jenny Y. Tao, Katherine M. Yee
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Patent number: 11810092Abstract: Systems, methods, and computer-readable storage media utilized for authenticating and authorizing payments. One method includes receiving one or more biometrics and authenticating the one or more biometrics of the customer based on accessing a customer authentication database and comparing the one or more biometrics to one or more stored authentication templates. The method further includes receiving context information gathered by the POS device, wherein the context information includes a plurality of context elements that describe a context of the transaction and selecting a customer payment profile from a plurality of customer payment profiles identified by the one or more biometrics of the customer. The method further includes authorizing the payment for the transaction from a payment account associated with the selected customer payment profile and sending, to the POS device, a notification that the customer has been authenticated and that the payment for the transaction has been authorized.Type: GrantFiled: May 27, 2021Date of Patent: November 7, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Azita Asefi, Marcia Klingensmith, Joon Maeng, Jenny Y. Tao, Michael R. Thomas
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Publication number: 20230106418Abstract: Systems and methods for facilitating financial transactions are provided. A mobile computing device can receive a payment request from a merchant computing device. The payment request can include an amount of the financial transaction. The mobile computing device can transmit, via a computer network, the payment request and authentication information to a financial institution computing device. The mobile computing device can receive, via the computer network, authorization information from the financial institution computing device. The authorization information can include information indicating approval of the payment request. The mobile computing device can transmit the authorization information to the merchant computing device.Type: ApplicationFiled: July 21, 2017Publication date: April 6, 2023Inventors: Azita Asefi, Marcia Klingensmith, Joon Maeng, Jenny Y. Tao, Michael R. Thomas
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Patent number: 11501287Abstract: A method for registering and activating accounts includes: transmitting a first input from a user regarding opening an account at a financial institution; establishing a communication session based on exchanging encryption keys between the user device and the financial computing system; displaying a graphical user interface (GUI) comprising a request for a user verification; transmitting a received user verification to the financial computing system; updating the GUI to display a request to establish a personal identification number (PIN) for a physical payment card associated with the account; receiving the PIN from the user; transmitting a second input comprising the PIN and a request to provision the account to the user device; receiving a payment token associated with the account before the physical payment card associated with the account of the financial computing system is received by the user; and, storing the payment token for transactions via the user device.Type: GrantFiled: April 26, 2021Date of Patent: November 15, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Ashish B. Kurani, Jenny Y. Tao, Katherine M. Yee
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Publication number: 20220101383Abstract: Systems and methods related to a social syndicate platform for buyers and sellers on a social network includes aggregating requests for goods or services by individual members of a social network. Individual members may send buyer-sourced requests for deals to business members of the social network with parameters restricting which businesses may be considered in the request. Business members may send discounted offers for goods and services including restrictions on which individuals may receive the offer. A computing system may facilitate deals between businesses and individuals based on financial health considerations and make offer recommendations to business and deal recommendations to individuals.Type: ApplicationFiled: September 13, 2016Publication date: March 31, 2022Inventors: Miriam S. Bloom, Nathan C. Bricklin, Daniel David, Ha M. Duong, Praveen Gondra, Ashish B. Kurani, Julie V. Milbrand, John L. Miller, JR., Darius Miranda, Jenny Y. Tao
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Patent number: 11030603Abstract: A system, method, and apparatus of authenticating and authorizing a payment are provided. A method includes receiving authentication information gathered by a point-of-sale device from a customer initiating a payment for a transaction via the point-of-sale device; receiving context information gathered by the point-of-sale device; authenticating the customer using the received authentication information; selecting a customer payment profile from a plurality of customer payment profiles to use for the transaction, based on the received context information, wherein each customer payment profile is associated with a payment account; authorizing the payment for the transaction from the payment account associated with the selected customer payment profile; and sending, to the point-of-sale device, a notification that the customer has been authenticated and that the payment for the transaction has been authorized.Type: GrantFiled: June 26, 2017Date of Patent: June 8, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Azita Asefi, Marcia Klingensmith, Joon Maeng, Jenny Y. Tao, Michael R. Thomas
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Patent number: 11004074Abstract: A payment device includes a biometric sensor configured to receive a biometric measurement from a user. The payment device also includes a display configured to selectively display sensitive payment account information for a payment account of the user. The payment account is associated with the payment device. The payment device further includes a processor and instructions stored in non-transitory machine-readable media. The instructions are configured to cause the payment device to receive the biometric measurement from the biometric sensor. The user is authenticated if the biometric measurement matches a stored biometric of the user. Upon authenticating the user, the sensitive payment account information is displayed on the display. The sensitive payment account information is removed from the display a first predetermined time period after authenticating the user.Type: GrantFiled: November 24, 2015Date of Patent: May 11, 2021Assignee: Wells Fargo Bank. N.A.Inventors: Sarah Hiccox, Marcia N. Kurtz, Chelsea K. McDermott, Jenny Y. Tao, Tiffany N. Twilley, Michael Tilaro, Jonathan E. Hoveland, Jay M. Bozicevich
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Patent number: 10990964Abstract: A computer-implemented method includes receiving a first input from a customer to establish an account at a financial institution; establishing the financial institution account for the customer based on registration information regarding the customer; generating a card number for a physical payment card and associating the card number with the financial institution account; receiving a customer-input PIN that establishes the PIN for the financial institution account after establishing the financial institution account and generating the card number; receiving a second input from the customer to provision the financial institution account to a mobile wallet application before creation of the physical payment card; provisioning the financial institution account to the mobile wallet application; and associating the card number with a status indicator, the status indicator associated with a digitally-active status that enables the customer to engage in mobile wallet transactions using the financial institution aType: GrantFiled: October 28, 2019Date of Patent: April 27, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Ashish B. Kurani, Jenny Y. Tao, Katherine M. Yee
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Publication number: 20210090145Abstract: A method for providing merchant offers includes receiving, by a network interface circuit of an offer computing system, selection of a product or service from a customer user of the offer computing system, receiving, by the network interface circuit of the offer computing system, financial account information from the customer user, the financial account information providing access to a financial account held by the customer user, monitoring, by a merchant offer circuit of the offer computing system, a financial status of the customer user using the financial account information, and based on the financial status of the customer user, sending to the customer user, by the merchant offer circuit of the offer computing system, an offer for sale of the product or service.Type: ApplicationFiled: March 28, 2016Publication date: March 25, 2021Inventors: Daniel David, Julie A. Milbrand, John L Miller, JR., Darius A. Miranda, Jenny Y. Tao
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Publication number: 20200387892Abstract: A mobile wallet computing system includes a processing circuit configured to receive an approval request for a prospective mobile wallet transaction from a first device associated with the purchaser, the approval request identifying the approver and including a characteristic of the prospective mobile wallet transaction, transmit a transaction notification to a second device associated with the approver, the transaction notification including the characteristic of the prospective transaction, receive an approval input from the second device, the approval input identifying a payment account of the approver that is not provisioned to the first mobile wallet account, and transmit a set of payment credentials associated with the payment account to the first device.Type: ApplicationFiled: June 15, 2017Publication date: December 10, 2020Inventors: Azita Asefi, Marcia Klingensmith, Joon Maeng, Jenny Y. Tao, Michael R. Thomas
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Patent number: 10460312Abstract: A computing system receives first input from a customer to establish an account at the financial institution having a physical payment card associated therewith, approves the customer for the account based on account registration information received from the customer, and establishes the account for the customer. Establishing the account includes generating a card number for the physical payment card and associating the card number with a first status indicator, the first status indicator being associated with an inactive status of the account. Once the account is established, the computing system transmits a prompt instructing the customer to establish a PIN for the account and receives a customer-input PIN for the account.Type: GrantFiled: June 30, 2017Date of Patent: October 29, 2019Assignee: WELLS FARGO BANK, N.A.Inventors: Ashish B. Kurani, Jenny Y. Tao, Katherine M. Yee