Patents by Inventor Michelle B. Techel

Michelle B. Techel 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: 11900362
    Abstract: Methods and systems of managing payment cards are disclosed. A financial institution computing system includes a token database storing a plurality of tokens and token information, a network interface circuit enabling the financial institution computing system to exchange information over a network; and a token management circuit. The token management circuit enables a graphical user interface on a customer device over the network that can be used to generate new token requests, re-provision token requests, and management requests. The management requests enable and disable tokens, such that transactions against a payment card account using an enabled token are completed, and transactions against the payment card account using a disabled token are denied.
    Type: Grant
    Filed: October 25, 2021
    Date of Patent: February 13, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Michelle B. Techel, Peter Ho, Timothy R. Edge, Dorothy M. Scocci, Brenda L. Yost, Kathy Barris Dideum, Cheryl Lynn Wong, Steven E. Puffer, Stephanie S. Hellman, Brian M. Pearce, James D. Crowell, Khyati Soparkar
  • Patent number: 11847633
    Abstract: Methods and systems of managing payment cards are disclosed. A financial institution computing system includes a token database storing a plurality of tokens and token information, a network interface circuit enabling the financial institution computing system to exchange information over a network; and a token management circuit. The token management circuit enables a graphical user interface on a customer device over the network that can be used to generate new token requests, re-provision token requests, and management requests. The management requests enable and disable tokens, such that transactions against a payment card account using an enabled token are completed, and transactions against the payment card account using a disabled token are denied.
    Type: Grant
    Filed: November 9, 2021
    Date of Patent: December 19, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Michelle B. Techel, Peter Ho, Timothy R. Edge, Dorothy M. Scocci, Brenda L. Yost, Kathy Barris Dideum, Cheryl Lynn Wong, Khyati Soparkar, Steven E. Puffer, Stephanie S. Hellman, Brian M. Pearce, James D. Crowell
  • Patent number: 11727388
    Abstract: Methods and systems of managing payment cards are disclosed. A financial institution computing system includes a token database storing a plurality of tokens and token information, a network interface circuit enabling the financial institution computing system to exchange information over a network; and a token management circuit. The token management circuit enables a graphical user interface on a customer device over the network that can be used to generate new token requests, re-provision token requests, and management requests. The management requests enable and disable tokens, such that transactions against a payment card account using an enabled token are completed, and transactions against the payment card account using a disabled token are denied.
    Type: Grant
    Filed: March 30, 2021
    Date of Patent: August 15, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Michelle B. Techel, Peter Ho, Timothy R. Edge, Dorothy M. Scocci, Brenda L. Yost, Kathy Barris Dideum, Cheryl Lynn Wong, Khyati Soparkar, Steven E. Puffer, Stephanie S. Hellman, Brian M. Pearce, James D. Crowell
  • Publication number: 20230214818
    Abstract: Methods and systems of managing payment cards are disclosed. A financial institution computing system includes a token database storing a plurality of tokens and token information, a network interface circuit enabling the financial institution computing system to exchange information over a network; and a token management circuit. The token management circuit enables a graphical user interface on a customer device over the network that can be used to generate new token requests, re-provision token requests, and management requests. The management requests enable and disable tokens, such that transactions against a payment card account using an enabled token are completed, and transactions against the payment card account using a disabled token are denied.
    Type: Application
    Filed: March 15, 2023
    Publication date: July 6, 2023
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Michelle B. Techel, Peter Ho, Timothy R. Edge, Dorothy M. Scocci, Brenda L. Yost, Kathy Barris Dideum, Cheryl Lynn Wong, Khyati Soparkar, Steven E. Puffer, Stephanie S. Hellman, Brian M. Pearce, James D. Crowell
  • Patent number: 11367064
    Abstract: Methods and systems of managing payment cards are disclosed. A financial institution computing system includes a token database storing a plurality of tokens and token information, a network interface circuit enabling the financial institution computing system to exchange information over a network; and a token management circuit. The token management circuit enables a graphical user interface on a customer device over the network that can be used to generate new token requests, re-provision token requests, and management requests. The management requests enable and disable tokens, such that transactions against a payment card account using an enabled token are completed, and transactions against the payment card account using a disabled token are denied.
    Type: Grant
    Filed: November 23, 2016
    Date of Patent: June 21, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Michelle B. Techel, Peter Ho, Timothy R. Edge, Dorothy M. Scocci, Brenda L. Yost, Kathy Barris Dideum, Cheryl Lynn Wong, Khyati Soparkar, Steven E. Puffer, Stephanie S. Hellman, Brian M. Pearce, James D. Crowell
  • Patent number: 11200562
    Abstract: Methods and systems of managing payment cards are disclosed. A financial institution computing system includes a token database storing a plurality of tokens and token information, a network interface circuit enabling the financial institution computing system to exchange information over a network; and a token management circuit. The token management circuit enables a graphical user interface on a customer device over the network that can be used to generate new token requests, re-provision token requests, and management requests. The management requests enable and disable tokens, such that transactions against a payment card account using an enabled token are completed, and transactions against the payment card account using a disabled token are denied.
    Type: Grant
    Filed: November 23, 2016
    Date of Patent: December 14, 2021
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Michelle B. Techel, Peter Ho, Timothy R. Edge, Dorothy M. Scocci, Brenda L. Yost, Kathy Barris Dideum, Cheryl Lynn Wong, Khyati Soparkar, Steven E. Puffer, Stephanie S. Hellman, Brian M. Pearce, James D. Crowell
  • Patent number: 11170364
    Abstract: Methods and systems of managing payment cards are disclosed. A financial institution computing system includes a token database storing a plurality of tokens and token information, a network interface circuit enabling the financial institution computing system to exchange information over a network; and a token management circuit. The token management circuit enables a graphical user interface on a customer device over the network that can be used to generate new token requests, re-provision token requests, and management requests. The management requests enable and disable tokens, such that transactions against a payment card account using an enabled token are completed, and transactions against the payment card account using a disabled token are denied.
    Type: Grant
    Filed: February 26, 2016
    Date of Patent: November 9, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Michelle B. Techel, Peter Ho, Timothy R. Edge, Dorothy M. Scocci, Brenda L. Yost, Kathy Barris Dideum, Cheryl Lynn Wong, Khyati Soparkar, Steven E. Puffer, Stephanie S. Hellman, Brian M. Pearce, James D. Crowell
  • Patent number: 10970707
    Abstract: Methods and systems of managing payment cards are disclosed. A financial institution computing system includes a token database storing a plurality of tokens and token information, a network interface circuit enabling the financial institution computing system to exchange information over a network; and a token management circuit. The token management circuit enables a graphical user interface on a customer device over the network that can be used to generate new token requests, re-provision token requests, and management requests. The management requests enable and disable tokens, such that transactions against a payment card account using an enabled token are completed, and transactions against the payment card account using a disabled token are denied.
    Type: Grant
    Filed: November 23, 2016
    Date of Patent: April 6, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Michelle B. Techel, Peter Ho, Timothy R. Edge, Dorothy M. Scocci, Brenda L. Yost, Kathy Barris Dideum, Cheryl Lynn Wong, Khyati Soparkar, Steven E. Puffer, Stephanie S. Hellman, Brian M. Pearce, James D. Crowell