Patents by Inventor Nikolai Stroke
Nikolai Stroke 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: 12265958Abstract: A computer-implemented method includes: transmitting, by a mobile device, to a mobile wallet computer system, an indication that a user of the mobile device wishes to perform a mobile wallet transaction to transfer funds to a merchant; receiving, by the mobile device, an amount of merchant rewards that are available for the user to use at the merchant; displaying, by the mobile device, the amount of merchant rewards; receiving, by the mobile device, an indication that the user wishes to apply at least a portion of the available rewards to the transaction; and, transmitting, to a merchant computer system, the indication that the user wishes to apply at least a portion of the available rewards to the transaction. The merchant rewards are applied to the transaction prior to submitting the transaction to a card network computer system, and no physical rewards card is used to complete the transaction.Type: GrantFiled: March 20, 2023Date of Patent: April 1, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Ashish Bhoopen Kurani, Nikolai Stroke
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Publication number: 20250094988Abstract: Systems, methods and computer-readable storage media utilized to complete a cardless transaction on a distributed ledger network. One method includes receiving, by a point-of-sale (POS) computing device, a transaction request including a biometric sample from an individual associated with a payment account at a financial institution. The method further includes authenticating, by the POS computing device, the biometric sample by cross-referencing the biometric sample with a biometric dataset stored on the distributed ledger network. The method further includes, in response to authenticating the biometric sample, generating, by the POS computing device, a cryptogram associated with the biometric sample and processing, by the POS computing device, the transaction request utilizing the cryptogram.Type: ApplicationFiled: December 6, 2024Publication date: March 20, 2025Applicant: Wells Fargo Bank, N.A.Inventors: DUC M. TRINH, NIKOLAI STROKE, HARMIT SINGH DHANOA
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Publication number: 20250071549Abstract: Disclosed are example methods, systems, and devices that allow for the generation and provisioning of digital credentials, which may demonstrate that a trusted entity has validated individual identity attributes, or sets of attributes, of a user. Digital credentials may also demonstrate one or more extrapolations resulting from deductions or inductions from validated identity attributes. A receiver device may indicate which identity attributes or extrapolations are sought by displaying a QR or other code and/or via a transmission using NFC or other wireless communication, and a user device may access corresponding digital attributes in an ID wallet to be provisioned via code or transmission. Digital credentials may restrict uses and usability of identity attributes. Cryptographic keys and/or distributed ledger records may allow recipients to verify authenticity of digital credentials. The same identity attribute may be proven by showing validation by multiple selectable trusted entities.Type: ApplicationFiled: November 11, 2024Publication date: February 27, 2025Applicant: Wells Fargo Bank, N.A.Inventors: Harmit Singh Dhanoa, Andrew G. Foote, Nikolai Stroke, Duc M. Trinh
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Patent number: 12217305Abstract: The described financial institution computing system provides services to customers through an application programming interface (“API”). The services include user identification services to customers. The user identification services allow the customers to verify the identity of users as non-fraudulent users. Further the user identification services allow the financial institution to provide known user information to the customers for purposes of prepopulating registration forms, completing transactions, and the like. Further services, such as user account validation services, payment services, and the like are also possible through the financial institution APIs. In some situations, users are registered with the financial institution. For example, a user may also be an account holder with the financial institution. In other situations, the users are not registered with the financial institution.Type: GrantFiled: October 17, 2022Date of Patent: February 4, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Bipin M. Sahni, Nikolai Stroke
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Patent number: 12205084Abstract: Systems, methods, and computer-readable storage media of configuring digital currency nodes utilizing a one-tier model or two-tier model. One method includes transmitting, via an application provider system, an installation request including authentication information, downloading, by the user device, a digital wallet application, and installing, by the user device, the digital wallet application based on one or more system requirements, wherein installing includes verifying the user device meets the one or more system requirements, generating a public and private key pair, hardening the user device, storing and configuring the digital wallet application, and authenticating the digital wallet application. The method further includes establishing, via a private network, a private network connection associated with digital currency issuance.Type: GrantFiled: April 12, 2022Date of Patent: January 21, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Nikolai Stroke, Duc M. Trinh
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Publication number: 20250021950Abstract: Systems, methods, and computer-readable storage media of configuring digital currency nodes utilizing a one-tier model or two-tier model. One method includes transmitting, via an application provider system, an installation request including authentication information, downloading, by the user device, a digital wallet application, and installing, by the user device, the digital wallet application based on one or more system requirements, wherein installing includes verifying the user device meets the one or more system requirements, generating a public and private key pair, hardening the user device, storing and configuring the digital wallet application, and authenticating the digital wallet application. The method further includes establishing, via a private network, a private network connection associated with digital currency issuance.Type: ApplicationFiled: September 27, 2024Publication date: January 16, 2025Applicant: Wells Fargo Bank, N.A.Inventors: Nikolai Stroke, Duc M. Trinh
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Patent number: 12198138Abstract: Systems, methods and computer-readable storage media utilized to complete a cardless transaction on a distributed ledger network. One method includes receiving, by a point-of-sale (POS) computing device, a transaction request including a biometric sample from an individual associated with a payment account at a financial institution. The method further includes authenticating, by the POS computing device, the biometric sample by cross-referencing the biometric sample with a biometric dataset stored on the distributed ledger network. The method further includes, in response to authenticating the biometric sample, generating, by the POS computing device, a cryptogram associated with the biometric sample and processing, by the POS computing device, the transaction request utilizing the cryptogram.Type: GrantFiled: May 21, 2020Date of Patent: January 14, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Duc M. Trinh, Nikolai Stroke, Harmit Singh Dhanoa
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Publication number: 20240394690Abstract: A method includes: receiving a request for a transaction between a user and a third party; generating a displayable and scannable transaction code, the transaction code embedding a transaction identification number unique to the transaction and a location of one of the user or the third party; sending the transaction code to one of the user or the third party for the other of the user and the third party to scan to request a transfer of funds from an account of the user to the third party; receiving a transfer request to transfer funds from the account of the user to the third party, the transfer request including the transaction code and information related to a transaction amount for transferring to the third party; and generating a verification request to confirm the information related to the transaction.Type: ApplicationFiled: July 30, 2024Publication date: November 28, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Stephen M. Ellis, Michael J. Kennedy, Ashish Bhoopen Kurani, Melissa Lowry, Uma Meyyappan, Bipin Sahni, Nikolai Stroke
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Patent number: 12143816Abstract: Disclosed are example methods, systems, and devices that allow for the generation and provisioning of digital credentials, which may demonstrate that a trusted entity has validated individual identity attributes, or sets of attributes, of a user. Digital credentials may also demonstrate one or more extrapolations resulting from deductions or inductions from validated identity attributes. A receiver device may indicate which identity attributes or extrapolations are sought by displaying a QR or other code and/or via a transmission using NFC or other wireless communication, and a user device may access corresponding digital attributes in an ID wallet to be provisioned via code or transmission. Digital credentials may restrict uses and usability of identity attributes. Cryptographic keys and/or distributed ledger records may allow recipients to verify authenticity of digital credentials. The same identity attribute may be proven by showing validation by multiple selectable trusted entities.Type: GrantFiled: July 26, 2023Date of Patent: November 12, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Harmit Singh Dhanoa, Andrew G. Foote, Nikolai Stroke, Duc M. Trinh
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Publication number: 20240370849Abstract: A method for receipt tracking performed by a mobile device having a mobile wallet application includes: receiving, by the mobile device from a computing system, a receipt corresponding to a transaction performed by the mobile device; generating, by the mobile device, a screen display comprising a first portion of identifying information, where the first portion of identifying information is extracted from the receipt; receiving, by the mobile device from the computing system, an indication that the first portion of identifying information contains one or more errors and a request to correct the one or more errors; and providing, by the mobile device to the computing system and from a user input received via the screen display, a second portion of identifying information in response to the request to correct the one or more errors to correct the one or more errors in the first portion of identifying information.Type: ApplicationFiled: July 16, 2024Publication date: November 7, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Stephen M. ELLIS, Michael J. KENNEDY, Ashish Bhoopen KURANI, Melissa LOWRY, Uma MEYYAPPAN, Bipin M. SAHNI, Nikolai STROKE
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Publication number: 20240354745Abstract: A mobile device includes a processing circuit that is configured to perform operations including enabling access to a client application during a first session based on a first device token identifying the first session and the mobile device and a customer token identifying a user and receiving a second device token from the computing system during the first session. The second device token identifies the mobile device and a second session. The operations further include receiving, during the first session, an identifier from the computing system. The identifier is associated with the user and generated by the computing system in response to a request from the mobile device. The operations further include receiving, via the mobile device during the first session and based on a comparison of the received identifier with an existing identifier, an approval for the request.Type: ApplicationFiled: July 2, 2024Publication date: October 24, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Ashish Bhoopen Kurani, Nikolai Stroke, Bipin Sahni, Stephen M. Ellis, Steve Puffer
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Publication number: 20240354726Abstract: The described financial institution computing system provides services to customers through an application programming interface (“API”). The services include user identification services to customers and payment services that allow users to pay the customers via the financial institution. The user identification services allow the customers to verify the identity of users as non-fraudulent users. Further the user identification services allow the financial institution to provide known user information to the customers for purposes of prepopulating registration forms, completing transactions, and the like. Further services, such as user account validation services, payment services, and the like are also possible through the financial institution APIs. In some situations, users are registered with the financial institution. For example, a user may also be an account holder with the financial institution. In other situations, the users are not registered with the financial institution.Type: ApplicationFiled: July 2, 2024Publication date: October 24, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Bipin M. Sahni, Nikolai Stroke
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Publication number: 20240330907Abstract: A system and method for preventing the double-spending of digital currency that transfers between multiple DLT networks. The system and method includes creating a first digital currency of a first type on the first DLT network stored in a digital wallet, the first digital currency associated with a second digital currency of a second type on a second DLT network, configuring a monitoring agent on the node, the monitoring agent configured to intercept at least one of a function call, a message, or an event on the digital wallet, and locking, responsive to intercepting the at least one of the function call, the message, or the event, the first digital currency onto the first DLT network to prevent a transfer of the first digital currency from the digital wallet on the first DLT network to another DLT network responsive to a subsequent transaction request.Type: ApplicationFiled: June 10, 2024Publication date: October 3, 2024Applicant: Wells Fargo Bank N.A.Inventors: Abhijit Shetti, Laura Marie Fontana, Rameshchandra B. Ketharaju, Andrew J. Garner, IV, Nikolai Stroke, Duc Trinh, Mabel Oza, Todd Biggs
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Patent number: 12086790Abstract: A computer system includes one or more processors coupled to one or more memory devices containing computer-executable instructions which, when executed by the one or more processors, are configured to cause the computer system to: receive information related to a redemption opportunity; receive information related to a user profile of a user; detect a geographic location of a mobile device running a mobile wallet of the user; and generate, on the mobile device of the user based on the mobile device of the user being within a predetermined distance of a merchant and the user profile of the user, an alert that is displayed by the mobile device, wherein the alert includes a message comprising an image overlaid on a map indicating the geographic location of the merchant relative to the detected geographic location of the mobile device.Type: GrantFiled: September 4, 2021Date of Patent: September 10, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Stephen M. Ellis, Michael J. Kennedy, Ashish Bhoopen Kurani, Melissa Lowry, Uma Meyyappan, Bipin Sahni, Nikolai Stroke
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Publication number: 20240289779Abstract: A method for preventing the double-spending of digital currency that transfers between multiple distributed ledger technology (DLT) networks. The method includes receiving a message including a smart contract and executing the smart contract. The method further includes detecting a transaction request to transfer the first digital currency from the first DLT network to the second DLT network. The method further includes destroying the digital currency and creating, based on the unit of fiat currency, a second digital currency of a second type on the second DLT network. The method further includes transferring, responsive to detecting the transaction request, the first digital currency from the first DLT network to the second DLT network.Type: ApplicationFiled: May 8, 2024Publication date: August 29, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Abhijit Shetti, Laura Marie Fontana, Rameshchandra B. BhaskarKetharaju, Andrew J. Garner, IV, Nikolai Stroke, Duc Trinh, Mabel Oza, Todd Biggs
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Patent number: 12073383Abstract: A method for receipt tracking performed by one or more processors of a mobile wallet computer system includes receiving a receipt corresponding to a mobile wallet transaction performed by a mobile device associated with a user; extracting a first portion of identifying information from the receipt; receiving, via a user input, a second portion of identifying information to at least one of supplement or correct the extracted first portion of identifying information; updating a record associated with the receipt based on the received second portion and the first portion of identifying information; storing the updated record in a transaction database; and sorting records of previous transactions including the mobile wallet transaction stored in the transaction database.Type: GrantFiled: June 13, 2022Date of Patent: August 27, 2024Assignee: WELLS FARGO BANK, N.A.Inventors: Stephen M. Ellis, Michael J. Kennedy, Ashish Bhoopen Kurani, Melissa Lowry, Uma Meyyappan, Bipin Sahni, Nikolai Stroke
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Publication number: 20240281778Abstract: A computer-implemented method includes authenticating, by one or more first processors of a provider computing system, a user of a vehicle with an account of the user where the vehicle is associated with the account, receiving vehicle data relating to the vehicle, transmitting application data to a vehicle computing system of the vehicle via a first network and based on the vehicle data where the vehicle computing system includes one or more second processors communicatively coupled to the provider computing system via the first network and where the application data includes instructions for rendering an interface via a display system of the vehicle, and receiving, by the one or more first processors and from the vehicle computing system, an input provided via the display system of the vehicle based on the application data.Type: ApplicationFiled: April 29, 2024Publication date: August 22, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Ashish B. Kurani, Nikolai Stroke
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Patent number: 12062025Abstract: The described financial institution computing system provides services to customers through an application programming interface (“API”). The services include user identification services to customers and payment services that allow users to pay the customers via the financial institution. The user identification services allow the customers to verify the identity of users as non-fraudulent users. Further the user identification services allow the financial institution to provide known user information to the customers for purposes of prepopulating registration forms, completing transactions, and the like. Further services, such as user account validation services, payment services, and the like are also possible through the financial institution APIs. In some situations, users are registered with the financial institution. For example, a user may also be an account holder with the financial institution. In other situations, the users are not registered with the financial institution.Type: GrantFiled: December 17, 2021Date of Patent: August 13, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Bipin M. Sahni, Nikolai Stroke
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Patent number: 12056688Abstract: A mobile device includes a processing circuit to perform operations including transmitting a device token and a customer token to a computing system, the device token identifying the mobile device and a first session of a client application, the customer token identifying a user. The operations can include enabling access to the client application during the first session based on the device token and the customer token and receiving a second device token, the second device token identifying the mobile device and a second session. The operations can include receiving, during the first session, an identification number associated with an account of the user for a transaction, the identification number generated in response to a fund request from the mobile device. The operations can include providing a user interface displayed on the mobile device during the first session and receiving during the first session, an approval for the transaction.Type: GrantFiled: August 8, 2022Date of Patent: August 6, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Ashish Bhoopen Kurani, Nikolai Stroke, Bipin Sahni, Stephen M. Ellis, Steve Puffer
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Patent number: 12033120Abstract: Systems, methods, and computer-readable storage media micro-allocating digital currency. One method includes registering a device with a private network, wherein the device is associated with a digital wallet application. The method further includes detecting, from the registered device via the private network, activity data corresponding to a use of the device. The method further includes determining a denomination of digital currency for an off-chain exchange between a third-party digital wallet application and the digital wallet application based on the activity data. The method further includes establishing, via the private network, a private network connection between the digital wallet application and the processing circuit. The method further includes accessing and identifying, via the private network, at least one digital currency token greater or equal to the denomination. The method further includes issuing a digital currency token based on a rule dataset and the at least one digital currency token.Type: GrantFiled: April 12, 2022Date of Patent: July 9, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Nikolai Stroke, Duc M. Trinh