Patents by Inventor John Chuprevich
John Chuprevich 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: 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: 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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Patent number: 11538041Abstract: An example computing device is programmed to: (a) detect an attempt to secondarily access a user account, the user account being involved in an ongoing primary financial session with a primary device; (b) raise the level of authentication required to secondarily access the user account beyond that which was required to access the account for the primary financial session; (c) when successful authentication at the raised level is achieved, permit secondary access to the user account through a secondary financial session and compare one or more user activities occurring during the secondary financial session to a plurality of fraud profiles; and (d) indicate fraud when comparison of the user activity is consistent with one or more of the plurality of fraud profiles.Type: GrantFiled: April 30, 2021Date of Patent: December 27, 2022Assignee: 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: 11509727Abstract: 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: July 7, 2020Date of Patent: November 22, 2022Assignee: 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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Publication number: 20220222749Abstract: An apparatus includes a biometric scanner and a processing circuit. The biometric scanner is configured to collect biometric data associated with a user. The processing circuit is communicably coupled to the biometric scanner. The processing circuit is configured to receive information regarding an equity value of a property of the user and receive one or more preferences of the user. The processing circuit is further configured to select one or more investment opportunities based on the equity value and the user preferences. The processing circuit is configured to provide the selected investment opportunities to the user, receive an indication of approval of one or more investment opportunities, and confirm the identity of the user with the biometric data to facilitate participation in the accepted investment opportunities.Type: ApplicationFiled: December 28, 2016Publication date: July 14, 2022Inventors: John Chuprevich, Jonathan A. Hartsell, Patrick S. Schwaner, Christina Zikeli
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Publication number: 20210304301Abstract: Systems and methods for facilitating finance by monitoring behavior of users indicative of behavioral patterns or deviations from behavioral patterns and inviting users to make financial changes that may be appropriate based on the monitored behavior. In some embodiments, a minimum amount of relevant data must be collected to support the existence of a behavioral pattern or deviation before a user is invited to make appropriate changes to their finances.Type: ApplicationFiled: May 29, 2019Publication date: September 30, 2021Inventors: Michael Chang, Brian M. Pearce, Daniel Sanford, Suzanne Fisi, John Chuprevich, Miranda C. Hill, Traci Nguyen, Chris Kalaboukis
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Patent number: 11030625Abstract: An example computing device is programmed to: (a) detect an attempt to secondarily access a user account, the user account being involved in an ongoing primary financial session with a primary device; (b) raise the level of authentication required to secondarily access the user account beyond that which was required to access the account for the primary financial session; (c) when successful authentication at the raised level is achieved, permit secondary access to the user account through a secondary financial session and compare one or more user activities occurring during the secondary financial session to a plurality of fraud profiles; and (d) indicate fraud when comparison of the user activity is consistent with one or more of the plurality of fraud profiles.Type: GrantFiled: May 28, 2020Date of Patent: June 8, 2021Assignee: 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: 11017404Abstract: Methods and systems of authenticating a user based on an event, such as a natural disaster, a gathering of people, and mass activities of people. The method comprises recognizing, by a financial institution computing system, an event; receiving, by the financial institution computing system, a transaction request of a user; determining, by the financial institution computing system, that the user is associated with the recognized event; adjusting, by the financial institution computing system, authentication rules for the user; and processing, by the financial institution computing system, the transaction request for the user based on the adjusted authentication rules.Type: GrantFiled: November 15, 2016Date of Patent: May 25, 2021Assignee: 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: 20200380506Abstract: Systems and methods using a processor coupled to a non-transitory storage medium. The processor is structured to receive an indication of a mobile device connected to a secure network provided by a financial institution, where the mobile device is associated with a user account at the financial institution, identify the mobile device based on a unique identifier of the mobile device, automatically authenticate the mobile device for a first level transaction, receive a transaction request from a user via the mobile device, determine that the transaction request is for the first level transaction, and complete the transaction request.Type: ApplicationFiled: December 20, 2016Publication date: December 3, 2020Inventors: Michael Chang, John Chuprevich, Kevin R. Cieslak, Christopher P. Clausen, Jeffrey A. Cornman, Bryan Hall, Julio Jiron, Bryan Kroll, Samuel Martin, Traci Nguyen, Virginia Randle, Priyamvada Singh, Darrell L. Suen, Kenneth L. Wright
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Patent number: 10749970Abstract: 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: December 28, 2016Date of Patent: August 18, 2020Assignee: 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: 10719830Abstract: An example computing device is programmed to: (a) detect an attempt to secondarily access a user account, the user account being involved in an ongoing primary financial session with a primary device; (b) raise the level of authentication required to secondarily access the user account beyond that which was required to access the account for the primary financial session; (c) when successful authentication at the raised level is achieved, permit secondary access to the user account through a secondary financial session and compare one or more user activities occurring during the secondary financial session to a plurality of fraud profiles; and (d) indicate fraud when comparison of the user activity is consistent with one or more of the plurality of fraud profiles.Type: GrantFiled: December 29, 2016Date of Patent: July 21, 2020Assignee: 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: 10542423Abstract: Presenting information on a computing device based on context is disclosed. A non-limiting example is a computing device or method for presenting information. The method determines contextual information associated with the computing device. The contextual information includes proximity information identifying electronic devices in proximity to the computing device The method also comprises receiving information to present to a user of the computing device. The method also includes formatting the received information based on the determined contextual information and presenting the formatted information.Type: GrantFiled: December 22, 2016Date of Patent: January 21, 2020Assignee: Wells Fargo Bank, N.A.Inventors: Michael Chang, Brian M. Pearce, Suzanne M. Fisi, Daniel Sanford, John Chuprevich, Miranda C. Hill, Traci Nguyen, Chris Kalaboukis
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Patent number: 10346905Abstract: Systems and methods for facilitating finance by monitoring behavior of users indicative of behavioral patterns or deviations from behavioral patterns and inviting users to make financial changes that may be appropriate based on the monitored behavior. In some embodiments, a minimum amount of relevant data must be collected to support the existence of a behavioral pattern or deviation before a user is invited to make appropriate changes to their finances.Type: GrantFiled: November 2, 2016Date of Patent: July 9, 2019Assignee: Wells Fargo Bank, N.A.Inventors: Michael Chang, Brian M. Pearce, Daniel Sanford, Suzanne Fisi, John Chuprevich, Miranda C. Hill, Traci Nguyen, Chris Kalaboukis
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Publication number: 20110153407Abstract: Methods, computer readable media and apparatus are disclosed for determining and applying a discount for a customer. In some embodiments, the process includes receiving transaction data that represents a current transaction, receiving a customer identifier of a customer, determining a current transaction time and a last transaction time, determining that a duration between the last transaction time and the current transaction time equals or exceeds a predetermined time period, and determining that the current transaction is a first instance of the customer equaling or exceeding the predetermined time period. Since it was the first time the customer equaled or exceeded the predetermined time period, a discount is applied to the current transaction.Type: ApplicationFiled: March 1, 2011Publication date: June 23, 2011Applicant: WALKER DIGITAL, LLCInventors: JAY S. WALKER, ANDREW S. VAN LUCHENE, MAGDALENA MIK, JOHN CHUPREVICH
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Publication number: 20090018919Abstract: Methods, computer readable media and apparatus are disclosed for determining and applying a discount for a customer. In some embodiments, the process includes receiving transaction data that represents a current transaction, receiving a customer identifier of a customer, determining a current transaction time and a last transaction time, determining that a duration between the last transaction time and the current transaction time equals or exceeds a predetermined time period, and determining that the current transaction is a first instance of the customer equaling or exceeding the predetermined time period. Since it was the first time the customer equaled or exceeded the predetermined time period, a discount is applied to the current transaction.Type: ApplicationFiled: July 16, 2008Publication date: January 15, 2009Inventors: Jay S. Walker, Andrew S. Van Luchene, Magdalena Mik, John Chuprevich
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Patent number: 7406438Abstract: In accordance with one described embodiment, methods, systems, and apparatus are provided for determining a progressive discount for a customer. In one example, a customer is provided with a discount that is incremented if the customer visits at least once in a pre-defined period.Type: GrantFiled: January 30, 2007Date of Patent: July 29, 2008Assignee: Walker Digital, LLCInventors: Jay S. Walker, Andrew S. Van Luchene, Magdalena Mik, John Chuprevich
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Patent number: 7240021Abstract: A system and method for rewarding a customer's loyalty to a retail establishment and encouraging regular customer visits by offering a progressive discount on their purchases includes a point of sale (POS) controller that determines a loyal customer's discount. The value of the discount is dependent upon the customer visiting the retail establishment on a regular basis. A customer's visits are tracked, and the customer is provided with a discount that is incremented by a pre-defined value if the customer visits at least once every pre-defined period. The discount may only be incremented once in every pre-defined time period and may be negated if the customer did not visit at all during the pre-defined time period. Coupons that are representative of the discount earned by the customer may also be offered. If the coupon is redeemed within the pre-defined time period, a new coupon is issued having a higher discount value of a pre-defined value.Type: GrantFiled: March 27, 1998Date of Patent: July 3, 2007Assignee: Walker Digital, LLCInventors: Jay S. Walker, Andrew S. Van Luchene, Magdalena Mik, John Chuprevich
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Publication number: 20070124209Abstract: In accordance with one described embodiment, methods, systems, and apparatus are provided for determining a progressive discount for a customer. In one example, a customer is provided with a discount that is incremented if the customer visits at least once in a pre-defined period.Type: ApplicationFiled: January 30, 2007Publication date: May 31, 2007Inventors: Jay Walker, Andrew Van Luchene, Magdalena Mik, John Chuprevich
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Patent number: 6460019Abstract: A system and method for rewarding a customer's loyalty to a retail establishment and encouraging regular customer visits by offering a progressive discount on their purchases includes a point of sale (POS) controller that determines a loyal customer's discount. The value of the discount is dependent upon the customer visiting the retail establishment on a regular basis. A customer's visits are tracked, and the customer is provided with a discount that is incremented by a pre-defined value if the customer visits at least once every pre-defined period. The discount may only be incremented once in every pre-defined time period and may be negated if the customer did not visit at all during the pre-defined time period. Coupons that are representative of the discount earned by the customer may also be offered. If the coupon is redeemed within the pre-defined time period, a new coupon is issued having a higher discount value of a pre-defined value.Type: GrantFiled: March 27, 1998Date of Patent: October 1, 2002Assignee: Walker Digital, LLCInventors: Jay S. Walker, Andrew S. Van Luchene, Magdalena Mik, John Chuprevich