Patents by Inventor Kourtney Eidam
Kourtney Eidam 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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Publication number: 20250363336Abstract: Systems and techniques for are described herein. Profile data is obtained for a user and an organization and preprocessed to generate a normalized data set. A generative adversarial network is trained using features extracted from the normalized data set. A set of synthetic profiles are generated using the generative adversarial network. A set of healthcare plan recommendations are derived using the set of synthetic profiles. Justification context is determined for each healthcare plan recommendation. An interactive healthcare plan recommendation user interface is generated comprising the set of healthcare plan recommendations and the justification context for output on a display device.Type: ApplicationFiled: May 24, 2024Publication date: November 27, 2025Inventors: Kourtney Eidam, Senthil Soundararajan, Dana S. Stevenson
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Publication number: 20250245667Abstract: Systems and techniques for trusted validation agent platform are described herein. A transaction is detected as potentially fraudulent based on user profile data of a user. A trusted validation agent is determined for the transaction using the user profile data. Remediation instructions are generated for the trusted validation agent using transaction data of the transaction. The remediation instructions are transmitted to the trusted validation agent. A disposition is determined for the transaction based on input received from the trusted validation agent. Transaction handling instructions are transmitted to a transaction processing system based on the disposition.Type: ApplicationFiled: January 31, 2024Publication date: July 31, 2025Inventors: Jim Scott Berry, Kourtney Eidam, Joseph Christopher Impinna, Joseph Michael Korchmar, Michael James Lyon, Nilesh K. Shah, Marc R. Ward
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Publication number: 20250147776Abstract: A system includes at least one processing circuit including at least one memory storing instructions therein that are executable by one or more processors to: obtain, via a first user interface, a query associated with a profile of a user, the first user interface configured to present an output corresponding to a first format; generate, based on the query and first data corresponding to the profile of the user, second data as a response to the query; select, according to a determination that a structure of the second data satisfies a heuristic corresponding to a second format, a second user interface configured to present an output corresponding to the selected second format; and cause the second user interface to present an output in the selected second format corresponding to at least a portion of the second data.Type: ApplicationFiled: November 8, 2023Publication date: May 8, 2025Applicant: Wells Fargo Bank, N.A.Inventors: Ashish B. Kurani, Alan W. Hecht, Muhammad Farukh Munir, Darius A. Miranda, Benjamin Taylor, Traci Nguyen, Kourtney Eidam, Wairnola Marria Rhodriquez
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Patent number: 12277363Abstract: A system includes an interactive surface of a smart table, a plurality of smart headsets, and a processing circuit configured to detect a session trigger event and initiate a user session based on detecting the session trigger event. The processing circuit is further configured to generate and provide graphical user interfaces to each of the plurality of smart headsets. The processing circuit is further configured to update a first graphical user interface including a first content for a first smart headset of the plurality of smart headsets and update a second graphical user interface including a second content for a second smart headset of the plurality of smart headsets.Type: GrantFiled: August 8, 2023Date of Patent: April 15, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Kourtney Eidam, Darren Goetz, Dennis Montenegro
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Patent number: 12243068Abstract: A method implemented on an electronic computing device includes identifying a user of an augmented reality (AR) device. Profile information is obtained for the user based on the identity of the user. An interactive game is activated on the AR device. The interactive game is tailored to the user based on the profile information. One or more rewards are provided to the user for implementing aspects of the interactive game.Type: GrantFiled: October 7, 2022Date of Patent: March 4, 2025Assignee: WELLS FARGO BANK, N.A.Inventors: Christin Holt Aquilla, Kourtney Eidam
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Publication number: 20250069049Abstract: Systems and methods for providing notifications regarding a shared account may include a computing system which receives a request to form a shared account. The computing system may generate the shared account and a corresponding first model, transmit one or more messages, generate links between accounts and the shared account and second model(s) corresponding to second member(s). The computing system may receive a first input indicating a selection to initiate an inbound transfer, transmit a notification according to the first and second model(s), and receive a second input indicating a selection to initiate a matching inbound transfer.Type: ApplicationFiled: August 25, 2023Publication date: February 27, 2025Applicant: Wells Fargo Bank, N.A.Inventors: Ashish B. Kurani, Alan W. Hecht, Muhammad Farukh Munir, Darius A. Miranda, Benjamin Taylor, Traci Nguyen, Kourtney Eidam, Wairnola Marria Rhodriquez
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Patent number: 12236463Abstract: Systems, methods and computer-readable storage media including an interactive surface including a transparent touchscreen and an imaging system, and one or more processors configured to initiate a user session based on detecting a session trigger. The one or more processors are further configured to receive, from the imaging system, a plurality of digital images taken when a document is on or proximate the interactive surface and identify an obstruction obstructing part of the document. The one or more processors are further configured to create a master digital image based on two or more images, generate a graphical representation of information contained in the master digital image, and provide the graphical representation to the first user device.Type: GrantFiled: August 3, 2023Date of Patent: February 25, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Darren Goetz, Dennis Montenegro, Kourtney Eidam
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Publication number: 20250061439Abstract: Systems and methods for shared accounts may include a computing system which receives a request to form a shared account. The computing system may generate the shared account, transmit message(s) to second user device(s), generate link(s) between second accounts and the shared account, and establish a value associated with the shared account. The computing system may receive a selection to initiate a transfer, detect that the value satisfies a threshold criteria, identify an eligible member, and initiate a transfer based on a response from the eligible member.Type: ApplicationFiled: August 18, 2023Publication date: February 20, 2025Applicant: Wells Fargo Bank, N.A.Inventors: Ashish B. Kurani, Alan W. Hecht, Muhammad Farukh Munir, Darius A. Miranda, Benjamin Taylor, Traci Nguyen, Kourtney Eidam, Wairnola Marria Rhodriguez
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Patent number: 12229746Abstract: A method implemented on an augmented reality (AR) electronic device includes receiving a request to activate a transaction card account on a transaction card. The transaction card account is activated on the transaction card. A virtual representation of account information corresponding to the transaction card account is displayed on the AR electronic device. The exterior of the transaction card is free of account identifying information.Type: GrantFiled: October 3, 2023Date of Patent: February 18, 2025Assignee: WELLS FARGO BANK, N.A.Inventors: John Ross Neale, William R. Breed, Jasvir K. Singh, Geraldine M. Carolan, Kristine Collings, Kourtney Eidam
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Patent number: 12229825Abstract: A smart table display system includes a display surface, an input/output device, and a processing circuit configured to receive financial data regarding a financial health of a user, generate a graphical user interface comprising a graphic that depicts the financial health of the user based on the financial data where the graphical user interface is for display on the display surface, receive sensor data regarding the user via the input/output device, continuously update the financial health of the user based on the sensor data, and cause the graphical user interface to update as the financial health of the user is updated.Type: GrantFiled: August 3, 2023Date of Patent: February 18, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Kourtney Eidam, Darren M. Goetz, Dennis E. Montenegro
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Patent number: 12215534Abstract: Systems and apparatuses for safety deposit box access using a smart table and a locker are described herein. A safety deposit box access system includes a smart table and a locker. The smart table includes a processing circuit configured to receive a request from a customer user device associated with a customer to access a safety deposit box that is stored in the locker. The processing circuit is further configured to verify that the customer is authorized to access the safety deposit box stored in the locker. The processing circuit is further configured to actuate a lock of the locker to an unlocked position based on the customer being authorized to access the safety deposit box via the locker.Type: GrantFiled: February 6, 2023Date of Patent: February 4, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Kourtney Eidam, Darren M. Goetz, Dennis E. Montenegro
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Publication number: 20250037221Abstract: A method, apparatus, and computer program product for property-based transactions are provided. An example method includes receiving, by a computing device, a property-based transaction request of a first user that includes first selection parameters and determining first user characteristics of the first user associated with the property-based transaction request. The method further includes determining a first candidate real estate owned (REO) property data object based upon the first selection parameters and the first user characteristics. The first candidate REO property data object is indicative of a first physical location that is owned by an entity associated with the computing device. The method further includes providing a first actionable object to the first user for the first candidate REO property data object.Type: ApplicationFiled: January 5, 2022Publication date: January 30, 2025Inventors: Parul GHOSH, Kourtney EIDAM, Kristine Ing KUSHNER
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Publication number: 20240428272Abstract: A system includes a tabletop display and a processing circuit including one or more processors coupled to a non-transitory computer-readable medium storing instructions that, when executed, cause the processing circuit to cause an image comprising first information and second information to be displayed on a tabletop display, receive a security trigger, and cause the first information to be obscured on the tabletop display based on receiving the security trigger.Type: ApplicationFiled: September 9, 2024Publication date: December 26, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Darren Goetz, Dennis Montenegro, Kourtney Eidam
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Publication number: 20240320733Abstract: Systems, apparatuses, methods, and computer program products are disclosed for facilitating banking activities via an anonymous digital profile. An example method receiving, by communications hardware, a secured activity request comprising a first identifying metric of an individual and a requested banking activity identifier. The example method also includes determining, by data analysis circuitry, that the individual is not a banked customer. The example method also includes generating, by profile generation circuitry, a digital profile based on the first identifying metric, wherein generating the digital profile does not create a banked relationship with the individual, and wherein the digital profile defines a predefined set of banking activities for which the individual is authorized to perform.Type: ApplicationFiled: March 22, 2023Publication date: September 26, 2024Inventors: Tanisha Patterson-Powe, Matthew Degenhardt, Kourtney Eidam, Lynne Sanders, Anjali Shah, Debashis Ghosh, Cecil B. Burrowes, Nadia Van De Walle, Carrie Anne Hanson
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Patent number: 12086816Abstract: A system includes a tabletop display and one or more processors coupled to a non-transitory computer-readable medium storing instructions that, when executed by the one or more processors, cause the one or more processors to pair with a customer device associated with a customer, cause an image comprising sensitive customer information to be displayed on the tabletop display and cause at least a portion of the sensitive customer information to be simultaneously displayed on the paired customer device, receive a security trigger event, and cause the sensitive customer information to be obscured on the tabletop display based on receiving the security trigger event.Type: GrantFiled: June 20, 2023Date of Patent: September 10, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Darren Goetz, Dennis Montenegro, Kourtney Eidam
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Publication number: 20240277139Abstract: A system includes a smart table comprising a display screen, a network interface, and a processing circuit, where the network interface is configured to facilitate data communication with a tactile input device, the processing circuit includes a processor and a memory and the processing circuit is configured to determine a location of the tactile input device on the smart table, and generate a user interface on the smart table based on the location of the tactile input device on the smart table such that the user interface of the smart table is aligned with and visible through a transparent screen of the tactile input device.Type: ApplicationFiled: April 29, 2024Publication date: August 22, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Kourtney Eidam, Darren M. Goetz, Dennis E. Montenegro
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Publication number: 20240202298Abstract: An automated teller machine comprising a sensor and a processor configured to receive user data from the sensor configured to monitor user movement information during the transaction, wherein the transaction comprises a plurality of levels; apply a weight to the user movement information; determine a risk of a fraudulent transaction is below a threshold based on a comparison of the weighted user movement information from the sensor; and allow access to a first level of the plurality of levels to access a secure resource at the automated teller machine based on the risk of the fraudulent transaction being below the threshold.Type: ApplicationFiled: February 27, 2024Publication date: June 20, 2024Inventors: Mike Duke, Kourtney Eidam, Ross Goddard
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Patent number: 11983258Abstract: Techniques are described for enabling a user to access a secure system based on vital signs of the user that are collected by a wearable device worn by the user. The vital signs of the user may be used as an extra level of security when accessing the secure system. For example, a computing device may automatically validate that a user requesting access to a secure system is a person and not a robot based on receipt of vital signs of the user. As another example, a computing device may operate as a secure access badge that first analyzes vital signs of a user to confirm that the user is not in distress before sending an access signal to gain access to a secure system. In either example, the computing device may be a wearable device, or be paired to a wearable device to receive the vital signs.Type: GrantFiled: May 23, 2022Date of Patent: May 14, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Kourtney Eidam, Andrew J. Garner, IV, Dennis Emmanuel Montenegro
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Patent number: 11969084Abstract: Systems, methods, and apparatuses for tactile user input are described herein. A tactile user input system includes a tactile input device and a smart table. The smart table comprises a display screen, a network interface, and a processing circuit. The processing circuit comprises a processor and a memory. The processing circuit is configured to sense a placement of the tactile input device on the smart table. The processing circuit is further configured to determine a necessary user input and determine a location of the tactile input device on the smart table. The processing circuit is further configured to rearrange a user interface of the smart table. The processing circuit is further configured to communicate a necessary input configuration to the tactile input device and used by the tactile input device to generate a tactile user interface having an appropriate layout based on the necessary input configuration.Type: GrantFiled: September 8, 2022Date of Patent: April 30, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Kourtney Eidam, Darren M. Goetz, Dennis E. Montenegro
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Patent number: 11954188Abstract: An automated teller machine comprising a sensor, a network interface, and a processor configured to receive, during a transaction at the automated teller machine, user data from the sensor configured to monitor user movement information during the transaction, receive, via the network interface, user data from a mobile device, determine a risk of a fraudulent transaction based on a comparison of the user movement information from the sensor and the user data from the mobile device to expected parameters, determine that the risk of a fraudulent transaction is below a threshold, and allow access to a secure resource at the automated teller machine.Type: GrantFiled: July 26, 2021Date of Patent: April 9, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Mike Duke, Kourtney Eidam, Ross Goddard