Patents by Inventor Matthew Shepherd

Matthew Shepherd 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).

  • Publication number: 20260030619
    Abstract: Systems, methods, and computer-readable storage media for locking-in curreny exchanges. One method includes providing, using a graphical user interface (GUI) of a wallet application, a customer request for a currency transfer between a customer account and a recipient account. The customer account is associated with a first type of currency and the recipient account is associated with a second type of currency. The method further includes receiving, by the GUI of the wallet application, an indication of a transferred amount for a currency transfer from the wallet application associated with the customer account to the recipient account based on executing a smart contract on a distributed ledger, debiting, by the wallet application, an amount of the first type of currency from the customer account, and crediting, by the wallet application, an amount of the second type of currency to the receipient account.
    Type: Application
    Filed: October 1, 2025
    Publication date: January 29, 2026
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Daniel G. Vogt, Sayali Bhos, Harmit Singh Dhanoa, Laura Marie Fontana, Matthew Shepherd, Nikolai Stroke, Duc M. Trinh
  • Patent number: 12505428
    Abstract: Systems, methods, and computer-readable storage media for locking-in currency exchanges. One method includes providing, by a graphical user interface (GUI) of a wallet application, a customer request, wherein the customer request is a request for a currency transfer between a customer account of the customer to a recipient account of a recipient, wherein the customer account is associated with a first type of currency and the recipient account is associated with a second type of currency, presenting, by the GUI of the wallet application, a locked-in exchange rate for a time limit and data corresponding to the exchange rate and the time limit, exchanging, by the wallet application, an amount of the first type of currency for an amount of the second type of currency based on the exchange rate, and receiving, by the GUI of the wallet application, an indication of a transferred amount for a currency transfer.
    Type: Grant
    Filed: March 1, 2024
    Date of Patent: December 23, 2025
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Sayali Bhos, Harmit Singh Dhanoa, Laura Marie Fontana, Marc Le Boeuf, Matthew Shepherd, Nikolai Stroke, Duc M. Trinh, Daniel G. Vogt
  • Publication number: 20250272667
    Abstract: Systems and methods relating to a distributed ledger-based payment rail are provided. A computer-implemented method includes determining whether a sending financial institution of a sender of a funds transfer and a receiving financial institution of a recipient of the funds transfer each operates a node on a permissioned distributed ledger network. The method further includes routing a funds transfer request message to the permissioned distributed ledger network in response to determining that the sending financial institution and the receiving financial institution each operates a node on the permissioned distributed ledger network. The method further includes destroying, by an issuer, the cash states in response to the recipient redeeming cash states associated with the funds transfer.
    Type: Application
    Filed: May 14, 2025
    Publication date: August 28, 2025
    Applicant: Wells Fargo Bank, N.A.
    Inventors: MAYUR CHHEDA, Luiz Fernando Flor da Silva, MATTHEW SHEPHERD, KURT PAUL STEVENS, JUNE ANN WROBLEWSKI, SEAN ZHANG
  • Patent number: 12373804
    Abstract: Systems and methods relating to a distributed ledger-based payment rail are provided. A computer-implemented method includes determining whether a sending financial institution of a sender of a funds transfer and a receiving financial institution of a recipient of the funds transfer each operates a node on a permissioned distributed ledger network. The method further includes routing a funds transfer request message to the permissioned distributed ledger network in response to determining that the sending financial institution and the receiving financial institution each operates a node on the permissioned distributed ledger network. The method further includes destroying, by an issuer, the cash states in response to the recipient redeeming cash states associated with the funds transfer.
    Type: Grant
    Filed: August 5, 2022
    Date of Patent: July 29, 2025
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Mayur Chheda, Luiz Fernando Flor da Silva, Matthew Shepherd, Kurt Paul Stevens, June Ann Wroblewski, Sean Zhang
  • Publication number: 20240202712
    Abstract: Systems, methods, and computer-readable storage media for locking-in currency exchanges. One method includes providing, by a graphical user interface (GUI) of a wallet application, a customer request, wherein the customer request is a request for a currency transfer between a customer account of the customer to a recipient account of a recipient, wherein the customer account is associated with a first type of currency and the recipient account is associated with a second type of currency, presenting, by the GUI of the wallet application, a locked-in exchange rate for a time limit and data corresponding to the exchange rate and the time limit, exchanging, by the wallet application, an amount of the first type of currency for an amount of the second type of currency based on the exchange rate, and receiving, by the GUI of the wallet application, an indication of a transferred amount for a currency transfer.
    Type: Application
    Filed: March 1, 2024
    Publication date: June 20, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Sayali Bhos, Harmit Singh Dhanoa, Laura Marie Fontana, Marc Le Boeuf, Matthew Shepherd, Nikolai Stroke, Duc M. Trinh, Daniel G. Vogt
  • Patent number: 11922406
    Abstract: Systems, methods, and computer-readable storage media for locking-in currency exchanges. One method includes providing, by a graphical user interface (GUI) of a wallet application, a customer request, wherein the customer request is a request for a currency transfer between a customer account of the customer to a recipient account of a recipient, wherein the customer account is associated with a first type of currency and the recipient account is associated with a second type of currency, presenting, by the GUI of the wallet application, a locked-in exchange rate for a time limit and data corresponding to the exchange rate and the time limit, exchanging, by the wallet application, an amount of the first type of currency for an amount of the second type of currency based on the exchange rate, and receiving, by the GUI of the wallet application, an indication of a transferred amount for a currency transfer.
    Type: Grant
    Filed: March 6, 2023
    Date of Patent: March 5, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Sayali Bhos, Harmit Singh Dhanoa, Laura Marie Fontana, Marc Le Boeuf, Matthew Shepherd, Nikolai Stroke, Duc M. Trinh, Daniel G. Vogt
  • Publication number: 20230206224
    Abstract: Systems, methods, and computer-readable storage media for locking-in currency exchanges. One method includes providing, by a graphical user interface (GUI) of a wallet application, a customer request, wherein the customer request is a request for a currency transfer between a customer account of the customer to a recipient account of a recipient, wherein the customer account is associated with a first type of currency and the recipient account is associated with a second type of currency, presenting, by the GUI of the wallet application, a locked-in exchange rate for a time limit and data corresponding to the exchange rate and the time limit, exchanging, by the wallet application, an amount of the first type of currency for an amount of the second type of currency based on the exchange rate, and receiving, by the GUI of the wallet application, an indication of a transferred amount for a currency transfer.
    Type: Application
    Filed: March 6, 2023
    Publication date: June 29, 2023
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Sayali Bhos, Harmit Singh Dhanoa, Laura Marie Fontana, Marc Le Boeuf, Matthew Shepherd, Nikolai Stroke, Duc M. Trinh, Daniel G. Vogt
  • Patent number: 11599876
    Abstract: Systems, methods, and computer-readable storage media utilized receiving a customer request via a graphical user interface (GUI) of a wallet application, extracting transfer information from the customer request based on a smart contract and identifying the transfer information in predefined fields, determining the customer account is associated with a first type of currency and the recipient account is associated with a second type of currency, automatically determining and locking-in an exchange rate, transmitting data corresponding to the exchange rate to the GUI, exchanging an amount of the first type of currency for an amount of the second type of currency based on the exchange rate, transferring an amount for the currency transfer from the wallet application to the recipient account via an omnibus account based on executing a smart contract on a distributed ledger, and transmitting a confirmation of the currency transfer to the GUI of the wallet application.
    Type: Grant
    Filed: November 16, 2021
    Date of Patent: March 7, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Sayali Bhos, Harmit Singh Dhanoa, Laura Marie Fontana, Marc Le Boeuf, Matthew Shepherd, Nikolai Stroke, Duc M. Trinh, Daniel G. Vogt
  • Patent number: 11410164
    Abstract: Systems and method relating to a distributed ledger currency rail are provided. A computer-implemented method includes receiving a funds transfer request message including an amount, a sender, and a recipient; examining the funds transfer request message to identify a sending financial institution associated with the sender and a receiving financial institution associated with the recipient; and determining whether the sending financial institution and the receiving financial institution each operates a node on a permissioned distributed ledger network.
    Type: Grant
    Filed: December 14, 2020
    Date of Patent: August 9, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Mayur Chheda, Luiz Fernando Flor da Silva, Matthew Shepherd, Kurt Paul Stevens, June Ann Wroblewski, Sean Zhang
  • Patent number: 11182776
    Abstract: Systems and methods relating to currency exchange and currency transfer are provided. A computer-implemented method includes receiving, by a provider computing system associated with an accounts provider, a customer request via a mobile wallet application on a mobile device associated with a customer. The customer request includes a currency transfer request from a mobile wallet held by the customer to a recipient. The method further includes identifying the recipient from the customer request and a partner accounts provider associated with the recipient, communicating with the partner accounts provider regarding the currency transfer, transferring an amount for the currency transfer from the mobile wallet to the partner accounts provider via an omnibus account held by the accounts provider on a distributed ledger, and transmitting a confirmation of the currency transfer to the customer.
    Type: Grant
    Filed: September 25, 2019
    Date of Patent: November 23, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Sayali Bhos, Harmit Singh Dhanoa, Laura Marie Fontana, Marc Le Boeuf, Matthew Shepherd, Nikolai Stroke, Duc M. Trinh, Daniel G. Vogt
  • Patent number: 10878409
    Abstract: Systems and method relating to a distributed ledger currency rail are provided. A computer-implemented method includes receiving a funds transfer request message including an amount, a sender, and a recipient; examining the funds transfer request message to identify a sending financial institution associated with the sender and a receiving financial institution associated with the recipient; and determining whether the sending financial institution and the receiving financial institution each operates a node on a permissioned distributed ledger network.
    Type: Grant
    Filed: May 15, 2019
    Date of Patent: December 29, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Mayur Chheda, Luiz Fernando Flor da Silva, Matthew Shepherd, Kurt Paul Stevens, June Ann Wroblewski, Sean Zhang
  • Publication number: 20060012655
    Abstract: An ink set for inkjet printing includes a cyan ink having a first lightness value, a magenta ink having a second lightness value, and a blue ink having a third lightness value, wherein the cyan ink and the magenta ink mix to form a composite blue having a fourth lightness value, wherein the fourth lightness value is approximately twice the third lightness value.
    Type: Application
    Filed: July 14, 2004
    Publication date: January 19, 2006
    Inventors: Jay Gondek, Charles Dupuy, Alexey Kabalnov, Matthew Shepherd
  • Publication number: 20050253894
    Abstract: A system and method for printing on media includes a printhead assembly, a memory, and a controller. The printhead assembly is configured to make physical print sweeps relative to print regions of the media and to print within the print regions during the physical print sweeps. The memory communicates with the printhead assembly and is configured to receive data associated with a logical print sweep. The data associated with the logical print sweep controls printing within a first print region of the media during a corresponding first physical print sweep. The controller communicates with the printhead assembly and memory. The controller initiates the first physical print sweep of the printhead assembly before all of the data associated with the logical print sweep is received by the memory.
    Type: Application
    Filed: May 17, 2004
    Publication date: November 17, 2005
    Inventors: Volker Smektala, Lee Jackson, Mike Burton, Matthew Shepherd, Jefferson Ward, Bruce Axten, Mark Lund
  • Publication number: 20050174370
    Abstract: A fluid ejection device and a method for identifying a fluid ejection device are provided. The method comprises determining first identification information and based upon the first identification information, querying one or more elements on the fluid ejection device that include second identification information. Then determining the second identification information based upon the query and a plurality of operating of parameters of the fluid ejection device based upon the first and second identification information.
    Type: Application
    Filed: February 6, 2004
    Publication date: August 11, 2005
    Inventors: Sam Sarmast, Matthew Shepherd, Maxwell DeHaven
  • Publication number: 20050078136
    Abstract: A method and system for calibrating a device having a first fluid source that ejects a first drop quantity and a second fluid source that ejects a second drop quantity by, for example, printing a pattern having a first portion and a second portion; obtaining a relationship between the first drop quantity and the second drop quantity from the pattern; and adjusting data used to determine quantities of fluid to eject from the first or second fluid sources based on the relationship between the first and second drop quantities. Other embodiments of the invention are directed to a calibration apparatus and system.
    Type: Application
    Filed: August 22, 2003
    Publication date: April 14, 2005
    Inventors: Arthur Barnes, Matthew Shepherd
  • Publication number: 20050074247
    Abstract: A method of an embodiment of the invention is disclosed that advances media sheets through an image-forming device such that each successive pair of media sheets are advanced at least substantially adjacent to one another. The method transmissively optically senses a leading edge of each of the media sheets and a lagging edge of each of the media sheets. The method detects occurrence of an out-of-media sheets situation where a length of time after the lagging edge of one of the media sheets has been optically sensed exceeds a threshold length of time.
    Type: Application
    Filed: October 4, 2003
    Publication date: April 7, 2005
    Inventors: Steven Soar, Matthew Shepherd
  • Publication number: 20050024402
    Abstract: A method of transferring data from a controller to an output device is indicated, which includes providing input data that describes a firing pattern for an array of ink nozzles, the input data having a first portion and a second portion wherein the first portion is disposed in a first pattern, and the second portion is disposed in a second pattern that is at least substantially complementary to the first pattern. The second portion of the input data is removed so that the input data is compressed, and intermediate data corresponding to the compressed input data is sent to the output device. The output device expands the intermediate data at the output device based on at least one of the first and second patterns.
    Type: Application
    Filed: July 31, 2003
    Publication date: February 3, 2005
    Inventors: Jason Quintana, Carl Thomsen, Matthew Shepherd
  • Publication number: 20050007405
    Abstract: Systems, methods and devices are provided for non-uniform resolutions in printing. In one embodiment, a printing method includes receiving a print job. The method further includes performing the print job. Performing the print job includes printing non-uniform resolutions per raster in a contiguous block of rasters.
    Type: Application
    Filed: July 10, 2003
    Publication date: January 13, 2005
    Inventors: Matthew Shepherd, Jason Quintana, Marc Yousey, Dawn Hood
  • Publication number: 20050007414
    Abstract: Systems, methods and devices are provided for non-uniform passes per raster printing. In one embodiment, a printing method includes receiving a print job. The method further includes performing the print job. Performing the print job includes printing non-uniform passes per raster in a contiguous vertical block of rasters.
    Type: Application
    Filed: July 10, 2003
    Publication date: January 13, 2005
    Inventors: Matthew Shepherd, Marc Yousey, Jason Quintana, Dawn Hood