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).
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Patent number: 12154102Abstract: 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: GrantFiled: May 5, 2023Date of Patent: November 26, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Michael T. Duke, Dean Patrick Nolan
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Publication number: 20240202713Abstract: 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: ApplicationFiled: February 26, 2024Publication date: June 20, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Michael T. Duke, Dean Patrick Nolan
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Publication number: 20240185232Abstract: 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: ApplicationFiled: February 12, 2024Publication date: June 6, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Michael T. Duke, Dean Patrick Nolan
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Publication number: 20240161095Abstract: 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: ApplicationFiled: January 19, 2024Publication date: May 16, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Michael T. Duke, Dean Patrick Nolan
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Publication number: 20240144252Abstract: 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: ApplicationFiled: January 8, 2024Publication date: May 2, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Michael T. Duke, Dean Patrick Nolan
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Patent number: 11915230Abstract: 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: GrantFiled: May 4, 2022Date of Patent: February 27, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Michael T. Duke, Dean Patrick Nolan
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Patent number: 11900390Abstract: 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: GrantFiled: May 10, 2021Date of Patent: February 13, 2024Assignee: WELLS FARGO BANK, N.A.Inventors: Michael T. Duke, Dean Patrick Nolan
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Patent number: 11880827Abstract: 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: GrantFiled: August 6, 2021Date of Patent: January 23, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Michael T. Duke, Dean Patrick Nolan
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Patent number: 11880846Abstract: 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: GrantFiled: May 25, 2021Date of Patent: January 23, 2024Assignee: WELLS FARGO BANK, N.A.Inventors: Michael T. Duke, Dean Patrick Nolan
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Patent number: 11868993Abstract: 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: GrantFiled: June 25, 2021Date of Patent: January 9, 2024Inventors: Michael T. Duke, Dean Patrick Nolan
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Publication number: 20230274265Abstract: 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: ApplicationFiled: May 5, 2023Publication date: August 31, 2023Applicants: Wells Fargo Bank, N.A., WELLS FARGO & COMPANY, WACHOVIA CORPORATIONInventors: Michael T. Duke, Dean Patrick Nolan
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Patent number: 11676136Abstract: 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: GrantFiled: August 9, 2021Date of Patent: June 13, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Michael T. Duke, Dean Patrick Nolan
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Patent number: 11599619Abstract: 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: GrantFiled: December 15, 2021Date of Patent: March 7, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Michael T. Duke, Kourtney Eidam, Christopher P. Clausen, Darrell L. Suen, Melody Kao
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Patent number: 11379829Abstract: 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: GrantFiled: December 10, 2020Date of Patent: July 5, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Michael T. Duke, Dean Patrick Nolan
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Patent number: 11222106Abstract: 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: GrantFiled: May 23, 2019Date of Patent: January 11, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Michael T. Duke, Kourtney Eidam, Christopher P. Clausen, Darrell L. Suen, Melody Kao
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Patent number: 11107070Abstract: 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: GrantFiled: August 13, 2019Date of Patent: August 31, 2021Assignee: Wells Fargo Bank, N. A.Inventors: Michael T. Duke, Dean Patrick Nolan
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Patent number: 11100495Abstract: 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: GrantFiled: December 18, 2019Date of Patent: August 24, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Michael T. Duke, Dean Patrick Nolan
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Patent number: 11068869Abstract: 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: GrantFiled: March 14, 2013Date of Patent: July 20, 2021Assignee: WELLS FARGO BANK, N.A.Inventors: Michael T. Duke, Dean Patrick Nolan
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Patent number: 11055722Abstract: 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: GrantFiled: August 5, 2019Date of Patent: July 6, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Michael T. Duke, Dean Patrick Nolan
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Patent number: 11037167Abstract: 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: GrantFiled: July 31, 2020Date of Patent: June 15, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Michael T. Duke, Dean Patrick Nolan