Patents by Inventor Marc Ward

Marc Ward 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: 12645819
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for digital identity selection. An example method includes detecting a digital identity selection event for a user, wherein the digital identity selection event is associated with an event attribute set comprising one or more event attributes, and an event criteria set comprising one or more event criteria. The example method further includes determining, based on the event attribute set, a master digital identity associated with the user, wherein the master digital identity comprises one or more user digital identities. The example method further includes generating, based on the master digital identity, one or more bespoke digital identities. The example method further includes selecting, using a digital identity selection model, an optimal digital identity, wherein the optimal digital identity satisfies the one or more event criteria of the event criteria set, and outputting the optimal digital identity.
    Type: Grant
    Filed: December 21, 2023
    Date of Patent: June 2, 2026
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Matthew Carroll, Marc Ward, Ann M. Kirk, Bradford A. Shea
  • Patent number: 12614177
    Abstract: Techniques described herein involve processes and systems for performing identity verification on a network. In one example, this disclosure describes a method that comprises receiving, by a computing system and from a requesting device, a request to perform an identity verification for a requesting user that is operating the requesting device; outputting, by the computing system and to the requesting device, code information; enabling, by the computing system, the requesting device to display a code derived from the code information; receiving, by the computing system and from a verification device, an image of another device; and determining, by the computing system and based on the image of the other device, whether the other device is the requesting device.
    Type: Grant
    Filed: June 13, 2023
    Date of Patent: April 28, 2026
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Marc Ward, Thomas J. Gilheany
  • Publication number: 20260087513
    Abstract: Techniques described herein include techniques for communicating information about the social behavior of users and transactions performed by users on a computer network. In one example, this disclosure describes a method that includes receiving information about identity disclosure activities performed by each of a plurality of users on the network; determining that the information about identity disclosure activities includes information consistent with a prior identity disclosure activity performed by a first user having a first user status on the network; increasing the first user status; determining that the information about identity disclosure activities includes information that is not consistent with a prior identity disclosure activity performed by a second user having a second user status on the network; and decreasing the second user status.
    Type: Application
    Filed: December 4, 2025
    Publication date: March 26, 2026
    Inventors: Marc Ward, Thomas J. Gilheany, Parul Ghosh, Shahriar Zand-Biglari
  • Publication number: 20260067263
    Abstract: An example computer system for analyzing authentication attempts comprises one or more processors; and non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, causes the computer system to: receive authentication attempt data from a client device attempting to access a user account; input the authentication attempt data into a voice recognition model; receive a confidence score indicating a likelihood the audio data of the authentication attempt data matches original training data; determine whether the authentication attempt data is authenticated based on the confidence score; input the authentication attempt data into a monitor model; receive flagged authentication attempt failure data from the monitor model; input the flagged authentication attempt failure data into a failure analysis model; receive a classification for the authentication attempt data; determine a response based on the classification.
    Type: Application
    Filed: August 27, 2024
    Publication date: March 5, 2026
    Inventors: Tanya Debblay-Burrell, Marc Ward, Roxane S. Whalen
  • Patent number: 12541772
    Abstract: Techniques described herein include techniques for communicating information about the social behavior of users and transactions performed by users on a computer network. In one example, this disclosure describes a method that includes receiving information about identity disclosure activities performed by each of a plurality of users on the network; determining that the information about identity disclosure activities includes information consistent with a prior identity disclosure activity performed by a first user having a first user status on the network; increasing the first user status; determining that the information about identity disclosure activities includes information that is not consistent with a prior identity disclosure activity performed by a second user having a second user status on the network; and decreasing the second user status.
    Type: Grant
    Filed: July 11, 2024
    Date of Patent: February 3, 2026
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Marc Ward, Thomas J. Gilheany, Parul Ghosh, Shahriar Zand-Biglari
  • Publication number: 20250209192
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for digital identity selection. An example method includes detecting a digital identity selection event for a user, wherein the digital identity selection event is associated with an event attribute set comprising one or more event attributes, and an event criteria set comprising one or more event criteria. The example method further includes determining, based on the event attribute set, a master digital identity associated with the user, wherein the master digital identity comprises one or more user digital identities. The example method further includes generating, based on the master digital identity, one or more bespoke digital identities. The example method further includes selecting, using a digital identity selection model, an optimal digital identity, wherein the optimal digital identity satisfies the one or more event criteria of the event criteria set, and outputting the optimal digital identity.
    Type: Application
    Filed: December 21, 2023
    Publication date: June 26, 2025
    Inventors: Matthew Carroll, Marc Ward, Ann M. Kirk, Bradford A. Shea
  • Publication number: 20250200636
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for optimizing an item partitioning benefit. An example method includes detecting, by detection circuitry, a user visit event at an establishment that is associated with a user attribute set. The example method further includes determining, by a multimodal engine and based on the user attribute set, a user digital identity wallet comprising one or more user digital identities associated with a benefit set. The example method further includes, identifying, by a selection engine, one or more candidate items, and determining for each candidate item, by the selection engine and using a digital identity selection model, an optimal user digital identity indicative of an optimal item partitioning benefit. The example method further includes generating, by the selection engine and using the digital identity selection model, a candidate item partitioning set, and outputting, by communications hardware, a verification request.
    Type: Application
    Filed: December 19, 2023
    Publication date: June 19, 2025
    Inventors: Ann M. Kirk, Matthew Carroll, Marc Ward
  • Publication number: 20250156822
    Abstract: Systems, methods and computer-readable storage media utilized to create and perform an automated escrow contract on a distributed ledger network. One method comprises creating, by a first user of the distributed ledger network, the automated escrow contract on the distributed ledger network by providing contract information specifying an offer. The method further comprises accepting, by a second user of the distributed ledger network, the offer by providing a payment amount of a digital currency unit to the automated escrow contract on the distributed ledger network. The method further comprises confirming, by the second user, that the automated escrow contract has been completed. The method further comprises releasing, by the automated escrow contract, the payment amount of the digital currency unit from the second user to the first user.
    Type: Application
    Filed: May 27, 2022
    Publication date: May 15, 2025
    Applicant: Wells Fargo Bank, N.A.
    Inventor: Marc Ward
  • Publication number: 20250021968
    Abstract: This application describes techniques for authenticating and/or using a device as physical currency. In one example, this disclosure describes a device comprising: precious metal embedded within the device providing an intrinsic value for the device and making the device suitable for use as physical currency; and processing circuitry configured to: store information about a transaction hash associated with the device, wherein the transaction hash is derived from prior transactions performed using the device, and enable comparison of the transaction hash to information about the device that is stored on a distributed ledger.
    Type: Application
    Filed: July 11, 2023
    Publication date: January 16, 2025
    Inventors: Marc Ward, Thomas J. Gilheany
  • Publication number: 20240422145
    Abstract: Techniques described herein involve processes and systems for performing identity verification on a network. In one example, this disclosure describes a method that comprises receiving, by a computing system and from a requesting device, a request to perform an identity verification for a requesting user that is operating the requesting device; outputting, by the computing system and to the requesting device, code information; enabling, by the computing system, the requesting device to display a code derived from the code information; receiving, by the computing system and from a verification device, an image of another device; and determining, by the computing system and based on the image of the other device, whether the other device is the requesting device.
    Type: Application
    Filed: June 13, 2023
    Publication date: December 19, 2024
    Inventors: Marc Ward, Thomas J. Gilheany
  • Publication number: 20240362662
    Abstract: Techniques described herein include techniques for communicating information about the social behavior of users and transactions performed by users on a computer network. In one example, this disclosure describes a method that includes receiving information about identity disclosure activities performed by each of a plurality of users on the network; determining that the information about identity disclosure activities includes information consistent with a prior identity disclosure activity performed by a first user having a first user status on the network; increasing the first user status; determining that the information about identity disclosure activities includes information that is not consistent with a prior identity disclosure activity performed by a second user having a second user status on the network; and decreasing the second user status.
    Type: Application
    Filed: July 11, 2024
    Publication date: October 31, 2024
    Inventors: Marc Ward, Thomas J. Gilheany, Parul Ghosh, Shahriar Zand-Biglari
  • Patent number: 12056731
    Abstract: Techniques described herein include techniques for communicating information about the social behavior of users and transactions performed by users on a computer network. In one example, this disclosure describes a method that includes receiving information about identity disclosure activities performed by each of a plurality of users on the network; determining that the information about identity disclosure activities includes information consistent with a prior identity disclosure activity performed by a first user having a first user status on the network; increasing the first user status; determining that the information about identity disclosure activities includes information that is not consistent with a prior identity disclosure activity performed by a second user having a second user status on the network; and decreasing the second user status.
    Type: Grant
    Filed: January 11, 2023
    Date of Patent: August 6, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Marc Ward, Thomas J. Gilheany, Parul Ghosh, Shahriar Zand-Biglari
  • Publication number: 20220087923
    Abstract: An antiperspirant and deodorant compositions and method of processing the same is disclosed. the composition may include an aluminum salt as an active ingredient for antiperspirant with activated charcoal powder and a root extract as a natural odor absorbent; a natural fragrance; and an emollient which including at least one of: coconut alkanes and coco-caprylate/carprate. The method includes: adding in sequence according to several defined temperature range, various ingredients in the composition according to a formulation for a defined time duration before cooling to a lower temperature for dispensing.
    Type: Application
    Filed: September 7, 2021
    Publication date: March 24, 2022
    Inventors: Marc Ward, Brice Pettibone, McCall Harris, Moe Witwit, David Spratte, Kasper Kubica
  • Patent number: 8944253
    Abstract: A microplastic particle removal tool is provided that comprises an elongated mesh screen supported by a pair of opposing pole members. The mesh screen comprises a polymer coated, fine mesh that is adapted to sift microplastic affected sand and remove the microplastic particles therefrom during cleanup activities. The pole members are elongated members wrapped in a layer of padding material and fastened to the ends of the mesh screen. The poles support the mesh screen while sifting and are utilized to condense the mesh screen therearound when the device is not in use. During use, the mesh screen is placed in a horizontal condition while microplastic affected sand is deposited thereonto. A pair of users supports the handle ends of the pole members to sift the affected sand and thereby remove the microplastic particles therefrom via electrostatic attraction. The collected particles are removed from the screen thereafter and discarded.
    Type: Grant
    Filed: November 21, 2013
    Date of Patent: February 3, 2015
    Inventor: Marc Ward
  • Publication number: 20140138288
    Abstract: A microplastic particle removal tool is provided that comprises an elongated mesh screen supported by a pair of opposing pole members. The mesh screen comprises a polymer coated, fine mesh that is adapted to sift microplastic affected sand and remove the microplastic particles therefrom during cleanup activities. The pole members are elongated members wrapped in a layer of padding material and fastened to the ends of the mesh screen. The poles support the mesh screen while sifting and are utilized to condense the mesh screen therearound when the device is not in use. During use, the mesh screen is placed in a horizontal condition while microplastic affected sand is deposited thereonto. A pair of users supports the handle ends of the pole members to sift the affected sand and thereby remove the microplastic particles therefrom via electrostatic attraction. The collected particles are removed from the screen thereafter and discarded.
    Type: Application
    Filed: November 21, 2013
    Publication date: May 22, 2014
    Inventor: Marc Ward