Patents by Inventor Michael T. Duke

Michael T. Duke 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: 12154102
    Abstract: A computer system and method for enabling or disabling a payment vehicle at the request of a payment card holder from a remote device. The computer system comprises a computer having memory and a processor for processing input data received from a remote device. The input data comprises an instruction executable by the processor in a form of a text message or electronic mail received from the remote device, with the instruction to enable or disable a payment card of a payment card holder by changing the status of the payment card. An interactive remote interface computer software application is provided to the payment card holder for use on the remote or other device.
    Type: Grant
    Filed: May 5, 2023
    Date of Patent: November 26, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Michael T. Duke, Dean Patrick Nolan
  • Publication number: 20240202713
    Abstract: A computer system and method for enabling or disabling a payment vehicle at the request of a payment card holder from a remote device. The computer system comprises a computer having memory and a processor for processing input data received from a remote device. The input data comprises an instruction executable by the processor in a form of a text message or electronic mail received from the remote device, with the instruction to enable or disable a payment card of a payment card holder by changing the status of the payment card. An interactive remote interface computer software application is provided to the payment card holder for use on the remote or other device.
    Type: Application
    Filed: February 26, 2024
    Publication date: June 20, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Michael T. Duke, Dean Patrick Nolan
  • Publication number: 20240185232
    Abstract: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.
    Type: Application
    Filed: February 12, 2024
    Publication date: June 6, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Michael T. Duke, Dean Patrick Nolan
  • Publication number: 20240161095
    Abstract: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.
    Type: Application
    Filed: January 19, 2024
    Publication date: May 16, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Michael T. Duke, Dean Patrick Nolan
  • Publication number: 20240144252
    Abstract: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.
    Type: Application
    Filed: January 8, 2024
    Publication date: May 2, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Michael T. Duke, Dean Patrick Nolan
  • Patent number: 11915230
    Abstract: A computer system and method for enabling or disabling a payment vehicle at the request of a payment card holder from a remote device. The computer system comprises a computer having memory and a processor for processing input data received from a remote device. The input data comprises an instruction executable by the processor in a form of a text message or electronic mail received from the remote device, with the instruction to enable or disable a payment card of a payment card holder by changing the status of the payment card. An interactive remote interface computer software application is provided to the payment card holder for use on the remote or other device.
    Type: Grant
    Filed: May 4, 2022
    Date of Patent: February 27, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Michael T. Duke, Dean Patrick Nolan
  • Patent number: 11900390
    Abstract: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.
    Type: Grant
    Filed: May 10, 2021
    Date of Patent: February 13, 2024
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Michael T. Duke, Dean Patrick Nolan
  • Patent number: 11880827
    Abstract: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.
    Type: Grant
    Filed: August 6, 2021
    Date of Patent: January 23, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Michael T. Duke, Dean Patrick Nolan
  • Patent number: 11880846
    Abstract: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.
    Type: Grant
    Filed: May 25, 2021
    Date of Patent: January 23, 2024
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Michael T. Duke, Dean Patrick Nolan
  • Patent number: 11868993
    Abstract: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.
    Type: Grant
    Filed: June 25, 2021
    Date of Patent: January 9, 2024
    Inventors: Michael T. Duke, Dean Patrick Nolan
  • Publication number: 20230274265
    Abstract: A computer system and method for enabling or disabling a payment vehicle at the request of a payment card holder from a remote device. The computer system comprises a computer having memory and a processor for processing input data received from a remote device. The input data comprises an instruction executable by the processor in a form of a text message or electronic mail received from the remote device, with the instruction to enable or disable a payment card of a payment card holder by changing the status of the payment card. An interactive remote interface computer software application is provided to the payment card holder for use on the remote or other device.
    Type: Application
    Filed: May 5, 2023
    Publication date: August 31, 2023
    Applicants: Wells Fargo Bank, N.A., WELLS FARGO & COMPANY, WACHOVIA CORPORATION
    Inventors: Michael T. Duke, Dean Patrick Nolan
  • Patent number: 11676136
    Abstract: A computer system and method for enabling or disabling a payment vehicle at the request of a payment card holder from a remote device. The computer system comprises a computer having memory and a processor for processing input data received from a remote device. The input data comprises an instruction executable by the processor in a form of a text message or electronic mail received from the remote device, with the instruction to enable or disable a payment card of a payment card holder by changing the status of the payment card. An interactive remote interface computer software application is provided to the payment card holder for use on the remote or other device.
    Type: Grant
    Filed: August 9, 2021
    Date of Patent: June 13, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Michael T. Duke, Dean Patrick Nolan
  • Patent number: 11599619
    Abstract: Provided is relative multifactor authentication for interactions between users and one or more entities. Relative multifactor authentication includes monitoring a set of attributes associated with a user during an interaction between the user and the entity. The set of attributes include at least two of a behavioral attribute, a health attribute, a geospatial attribute, and a device attribute. Relative multifactor authentication also include comparing respective parameters of attributes of the set of attributes with expected parameters and determining an authentication status based on the comparison and weighted values assigned to respective attributes of the set of attributes. The user is selectively authenticated to begin to continue the interaction based on the authentication status.
    Type: Grant
    Filed: December 15, 2021
    Date of Patent: March 7, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Michael T. Duke, Kourtney Eidam, Christopher P. Clausen, Darrell L. Suen, Melody Kao
  • Patent number: 11379829
    Abstract: A computer system and method for enabling or disabling a payment vehicle at the request of a payment card holder from a remote device. The computer system comprises a computer having memory and a processor for processing input data received from a remote device. The input data comprises an instruction executable by the processor in a form of a text message or electronic mail received from the remote device, with the instruction to enable or disable a payment card of a payment card holder by changing the status of the payment card. An interactive remote interface computer software application is provided to the payment card holder for use on the remote or other device.
    Type: Grant
    Filed: December 10, 2020
    Date of Patent: July 5, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Michael T. Duke, Dean Patrick Nolan
  • Patent number: 11222106
    Abstract: Provided is relative multifactor authentication for interactions between users and one or more entities. Relative multifactor authentication includes monitoring a set of attributes associated with a user during an interaction between the user and the entity. The set of attributes include at least two of a behavioral attribute, a health attribute, a geospatial attribute, and a device attribute. Relative multifactor authentication also include comparing respective parameters of attributes of the set of attributes with expected parameters and determining an authentication status based on the comparison and weighted values assigned to respective attributes of the set of attributes. The user is selectively authenticated to begin to continue the interaction based on the authentication status.
    Type: Grant
    Filed: May 23, 2019
    Date of Patent: January 11, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Michael T. Duke, Kourtney Eidam, Christopher P. Clausen, Darrell L. Suen, Melody Kao
  • Patent number: 11107070
    Abstract: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.
    Type: Grant
    Filed: August 13, 2019
    Date of Patent: August 31, 2021
    Assignee: Wells Fargo Bank, N. A.
    Inventors: Michael T. Duke, Dean Patrick Nolan
  • Patent number: 11100495
    Abstract: A computer system and method for enabling or disabling a payment vehicle at the request of a payment card holder from a remote device. The computer system comprises a computer having memory and a processor for processing input data received from a remote device. The input data comprises an instruction executable by the processor in a form of a text message or electronic mail received from the remote device, with the instruction to enable or disable a payment card of a payment card holder by changing the status of the payment card. An interactive remote interface computer software application is provided to the payment card holder for use on the remote or other device.
    Type: Grant
    Filed: December 18, 2019
    Date of Patent: August 24, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Michael T. Duke, Dean Patrick Nolan
  • Patent number: 11068869
    Abstract: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.
    Type: Grant
    Filed: March 14, 2013
    Date of Patent: July 20, 2021
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Michael T. Duke, Dean Patrick Nolan
  • Patent number: 11055722
    Abstract: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.
    Type: Grant
    Filed: August 5, 2019
    Date of Patent: July 6, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Michael T. Duke, Dean Patrick Nolan
  • Patent number: 11037167
    Abstract: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.
    Type: Grant
    Filed: July 31, 2020
    Date of Patent: June 15, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Michael T. Duke, Dean Patrick Nolan