Patents by Inventor Nathan Coles

Nathan Coles 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: 20260120015
    Abstract: A method performed by a provider computing system includes training one or more artificial intelligence (AI) models to generate task prompts, generating a task prompt using the one or more AI models, generating an interaction board accessible by the customer via a customer device, receiving an indication that the customer pre-task has been completed prior to a customer interaction, updating the interaction board to indicate that the customer pre-task has been completed prior to the customer interaction.
    Type: Application
    Filed: December 26, 2025
    Publication date: April 30, 2026
    Applicant: WELLS FARGO BANK, N.A.
    Inventors: Nathan COLES, Darren M. GOETZ, Uma MEYYAPPAN, Dennis MONTENEGRO, Steve PEREZ, Debarchana ROY
  • Publication number: 20260059042
    Abstract: A method performed by a mobile client application includes predicting an intended action of a user to be performed at a provider location based on data associated with the user, and switching the mobile client application into a collaboration application mode based on the intended action of the user and a location of a user mobile device of the user where the collaboration application mode facilitates collaboration between the user and an employee of a provider to perform the intended action.
    Type: Application
    Filed: October 29, 2025
    Publication date: February 26, 2026
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Nathan Coles, Darren Goetz, Uma Meyyappan, Dennis Montenegro, Steve Perez, Debarchana Roy
  • Publication number: 20260052208
    Abstract: A method performed by a mobile client application includes determining that a user associated with a user mobile device has entered a provider location associated with a provider, determining that the user is an employee of the provider and has entered the provider location in a professional capacity, and switching the mobile client application into an employee application mode based on determining the user is an employee of the provider that has entered the provider location in a professional capacity.
    Type: Application
    Filed: October 27, 2025
    Publication date: February 19, 2026
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Nathan Coles, Darren Goetz, Uma Meyyappan, Dennis Montenegro, Steve Perez, Debarchana Roy
  • Patent number: 12541728
    Abstract: A method performed by a provider computing system includes training one or more artificial intelligence (AI) models to generate task prompts, receiving a requested action from a customer, determining contextual information about a plurality of customer devices, generating a task prompt using the one or more AI models, generating an interaction board accessible by the customer via a customer device and accessible by an employee via an employee device, receiving an indication that the customer pre-task has been completed prior to a customer interaction at a branch location, updating the interaction board to indicate that the customer pre-task has been completed prior to the customer interaction, receiving information associated with the requested action from the customer device during the customer interaction, and updating the interaction board to include the information received from the customer device during the customer interaction.
    Type: Grant
    Filed: December 11, 2023
    Date of Patent: February 3, 2026
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Nathan Coles, Darren M. Goetz, Uma Meyyappan, Dennis Montenegro, Steve Perez, Debarchana Roy
  • Patent number: 12470651
    Abstract: A method includes obtaining, by a mobile client application of a user mobile device, context data associated with a user, predicting, by the mobile client application, an intended action of the user to be performed at a provider location based on the context data associated with the user, and switching, by the mobile client application, into a context-based application mode based on the intended action of the user.
    Type: Grant
    Filed: July 25, 2022
    Date of Patent: November 11, 2025
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Nathan Coles, Darren Goetz, Uma Meyyappan, Dennis Montenegro, Steve Perez, Debarchana Roy
  • Publication number: 20240104457
    Abstract: A method performed by a provider computing system includes training one or more artificial intelligence (AI) models to generate task prompts, receiving a requested action from a customer, determining contextual information about a plurality of customer devices, generating a task prompt using the one or more AI models, generating an interaction board accessible by the customer via a customer device and accessible by an employee via an employee device, receiving an indication that the customer pre-task has been completed prior to a customer interaction at a branch location, updating the interaction board to indicate that the customer pre-task has been completed prior to the customer interaction, receiving information associated with the requested action from the customer device during the customer interaction, and updating the interaction board to include the information received from the customer device during the customer interaction.
    Type: Application
    Filed: December 11, 2023
    Publication date: March 28, 2024
    Applicant: WELLS FARGO BANK, N.A.
    Inventors: Nathan COLES, Darren M. GOETZ, Uma MEYYAPPAN, Dennis MONTENEGRO, Steve PEREZ, Debarchana ROY
  • Patent number: 11853933
    Abstract: Systems, methods, and apparatuses for completing an action requested by a customer are described herein. A requested action is received from the customer. A customer task for completion of the requested action to be performed by the customer is identified. An interaction board is generated that is accessible by the customer and accessible an employee associated with a provider. The interaction board is displayable via a graphical user interface and includes the customer task. An indication is received from the customer that the customer task has been completed prior to a customer interaction. The interaction board is updated to indicate that the customer task has been completed prior to the customer interaction. Information associated with the requested action is received from a customer device during the customer interaction. The interaction board is updated to include the information received from the customer device during the customer interaction.
    Type: Grant
    Filed: July 29, 2020
    Date of Patent: December 26, 2023
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Nathan Coles, Darren M. Goetz, Uma Meyyappan, Dennis Montenegro, Steve Perez, Debarchana Roy
  • Publication number: 20230394394
    Abstract: A system includes a provider computing system associated with a provider and configured to communicate with an employee device via a network, the provider computing system comprising a processing circuit including one or more processors and memory, the processing circuit configured to determine a dual custody activity to be performed or being in the process of being performed by an employee associated with the employee device, provide real-time instructions to the employee device while the employee performs the task where the real-time instructions are provided via an augmented reality (AR) overlay, monitor the employee while the employee performs the task by receiving monitoring information, detect based on the monitoring information that suspicious activity has occurred while the employee performs the task, and update the AR overlay based on the detected suspicious activity.
    Type: Application
    Filed: August 3, 2023
    Publication date: December 7, 2023
    Applicant: WELLS FARGO BANK, N.A.
    Inventors: Nathan COLES, Darren M. GOETZ, Uma MEYYAPPAN, Dennis MONTENEGRO, Steve PEREZ, Debarchana ROY
  • Patent number: 11720836
    Abstract: Systems, methods, and apparatuses for securely completing a dual custody activity are described herein. A security activity management system comprises a network, an employee device, a supervising employee device, and a provider computing system. The provider computing system is associated with a provider. The provider computing system comprises a processing circuit structured to identify a plurality of employees eligible for performing a task based employee rankings of the plurality of employees and transmit an indication of the plurality of employees eligible for performing the task to a supervising employee via an augmented reality to be displayed on the supervising employee device. The processing circuit is further structured to receive a selection indicating an employee that is associated with the employee device to perform the dual custody activity, authorize the employee to perform the task, and monitor the employee while the employee performs the task.
    Type: Grant
    Filed: July 29, 2020
    Date of Patent: August 8, 2023
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Nathan Coles, Darren M. Goetz, Uma Meyyappan, Dennis Montenegro, Steve Perez, Debarchana Roy
  • Patent number: 11399091
    Abstract: A provider computing system provides a mobile banking application to a user mobile device. The mobile banking application is configured to activate a contextual provider location mode when the user enters a provider location. The contextual provider location mode presents a plurality of modifications to both appearance and operation of the mobile banking application. Each modification is in response to an analysis performed by a context circuit of the mobile banking application. The modifications serve to facilitate the user's experience at the provider, enabling the user to perform their intended tasks in an easier more efficient manner. Additional data pertaining to the user's tasks and behavior are further categorized and transmitted back to the provider, enabling further accuracy and improvements during subsequent visits.
    Type: Grant
    Filed: July 21, 2020
    Date of Patent: July 26, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Nathan Coles, Darren Goetz, Uma Meyyappan, Dennis Montenegro, Steve Perez, Debarchana Roy