Patents by Inventor Peter Ho
Peter Ho 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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Publication number: 20240420150Abstract: A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.Type: ApplicationFiled: August 26, 2024Publication date: December 19, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Azita Asefi, Jorge Michirefe, Al Hecht, Steve Puffer, Peter Ho
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Publication number: 20240412199Abstract: A method for initiating a provisioning of a payment account to a mobile wallet includes generating, by a provider computing system on an initiating device, a user interface configured to initiate the provisioning of one or more payment accounts; receiving, by the provider computing system via the user interface, authentication information, wherein the authentication information authenticates a user associated with the mobile wallet; retrieving, by the provider computing system and based on the authentication information, account information associated with the user regarding one or more eligible payment accounts for provisioning; displaying, by the provider computing system via the user interface, a list of the one or more eligible payment accounts provisioning; and receiving, by the provider computing system via the user interface, a selection of the payment account from the list for provisioning to the mobile wallet.Type: ApplicationFiled: August 20, 2024Publication date: December 12, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Peter Ho, Ashish B. Kurani, Brian M. Pearce, Steven E. Puffer
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Patent number: 12159275Abstract: A method of authenticating a card for use with a mobile pay function of a mobile device is provided. The method includes: receiving a payment transaction from the mobile device; identifying the payment transaction from the mobile device as an authentication request by determining that the payment transaction includes a payment amount less than or equal to a predefined amount, wherein the authentication request includes a cryptogram; decrypting the cryptogram; verifying and approving the authentication request that was generated by the card and wirelessly transmitted to the mobile device from the card based on the decrypted cryptogram; transmitting an authentication decision to the mobile device based on the approval; and, enabling the mobile pay function for the card for the mobile device to complete mobile pay transactions utilizing the card.Type: GrantFiled: May 12, 2021Date of Patent: December 3, 2024Assignee: Wells Fargo Bank, N.A.Inventor: Peter Ho
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Patent number: 12112313Abstract: 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: GrantFiled: March 15, 2023Date of Patent: October 8, 2024Assignee: 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
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Patent number: 12099995Abstract: A method includes receiving, by a provider computing system from an initiating device, an encrypted network return address of an user device that identifies a network address of the user device; receiving, by the provider computing system and from the user device, an encryption key configured to decrypt the encrypted network return address; decrypting, by the provider computing system, the encrypted network return address using the encryption key; and providing, by the provider computing system, a code to the user device based on the decrypted network return address by transmitting the code to the user device without going through the initiating device.Type: GrantFiled: April 17, 2023Date of Patent: September 24, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Peter Ho, Ashish B. Kurani, Brian M. Pearce, Steven E. Puffer
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Patent number: 12079818Abstract: Methods and systems of exchanging data using payment cards with universal reference numbers are disclosed. A merchant computing system includes a merchant input/output assembly receiving a universal reference number from a customer at a point of sale. A merchant database retrievably stores a plurality of universal reference numbers and customer information associated with each of the plurality of universal reference numbers. A transaction circuit receives the universal reference number from the merchant input/output assembly, retrieves customer information associated with the universal reference number, and provides an output relating to a transaction based on the customer information.Type: GrantFiled: July 28, 2021Date of Patent: September 3, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Peter Ho, Brian M. Pearce
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Patent number: 12073409Abstract: A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.Type: GrantFiled: May 15, 2023Date of Patent: August 27, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Azita Asefi, Jorge Michirefe, Al Hecht, Steve Puffer, Peter Ho
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Publication number: 20240220967Abstract: A method includes receiving a mobile device identifier associated with a mobile device, wherein the mobile device identifier is received based on a first near-field communication (NFC) tap between the mobile device and a third-party computing system; validating the mobile device as belonging to a customer based on the received mobile device identifier; binding the mobile device identifier to the customer based on the validation; generating a token for an account of the customer; and in response to generating the token, providing the token to the third-party computing system, wherein the token is automatically provisioned to the validated mobile device via a second NFC tap between the mobile device and the third-party computing system.Type: ApplicationFiled: March 12, 2024Publication date: July 4, 2024Applicant: WELLS FARGO BANK, N.A.Inventors: Peter Ho, Andrew L. Martinez
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Publication number: 20240185337Abstract: A secured credit provider computing system is provided. The system includes a network interface configured to communicate data over a network and a processing circuit including one or more processors coupled to non-transitory memory. The processing circuit is configured to receive, from a user computing device, an application for secured credit; generate a passcode corresponding to the application and transmit the passcode to the user computing device; receive the passcode from an automated teller machine (ATM) of a second provider; responsive to identifying the application based on the passcode, transmit, to the ATM for display, a collateral request for the application; receive, from the ATM, a message acknowledging a collateral deposit; determine that the collateral deposit satisfies the collateral request for the identified application; and transmit, to the user computing device or to the ATM, a notification indicating that the application has been approved.Type: ApplicationFiled: February 12, 2024Publication date: June 6, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Peter Ho, Robin Lo, Lisa M. Schur
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Publication number: 20240127255Abstract: A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.Type: ApplicationFiled: December 21, 2023Publication date: April 18, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Azita Asefi, Jorge Michirefe, Al Hecht, Steve Puffer, Peter Ho
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Patent number: 11961069Abstract: A method includes receiving a request to open an account associated with a customer, information regarding the account, and a mobile device identifier. The mobile device identifier is received from a third-party computing system based on a first wireless communication between the mobile device and the third-party computing system. The method includes validating the mobile device as belonging to the customer based on the received mobile device identifier and binding the mobile device identifier to the customer based on the validation. The method includes establishing the account for the customer based on the received information regarding the account and generating a token for the account. In response to establishing the account and generating the token, the token is provided to the third-party computing system and provisioned to the validated mobile device via a second wireless communication between the mobile device and the third-party computing system.Type: GrantFiled: December 12, 2022Date of Patent: April 16, 2024Assignee: WELLS FARGO BANK, N.A.Inventors: Peter Ho, Andrew L. Martinez
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Publication number: 20240086931Abstract: A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.Type: ApplicationFiled: November 20, 2023Publication date: March 14, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Azita Asefi, Jorge Michirefe, Al Hecht, Steve Puffer, Peter Ho
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Publication number: 20240078557Abstract: Methods and systems of exchanging data using payment cards with universal reference numbers are disclosed. A merchant computing system includes a merchant input/output assembly receiving a universal reference number from a customer at a point of sale. A merchant database retrievably stores a plurality of universal reference numbers and customer information associated with each of the plurality of universal reference numbers. A transaction circuit receives the universal reference number from the merchant input/output assembly, retrieves customer information associated with the universal reference number, and provides an output relating to a transaction based on the customer information.Type: ApplicationFiled: November 6, 2023Publication date: March 7, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Peter Ho, Brian M. Pearce
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Patent number: 11900452Abstract: A secured credit provider computing system is provided. The system includes a network interface configured to communicate data over a network and a processing circuit including one or more processors coupled to non-transitory memory. The processing circuit is configured to receive, from a user computing device, an application for secured credit; generate a passcode corresponding to the application and transmit the passcode to the user computing device; receive the passcode from an automated teller machine (ATM) of a second provider; responsive to identifying the application based on the passcode, transmit, to the ATM for display, a collateral request for the application; receive, from the ATM, a message acknowledging a collateral deposit; determine that the collateral deposit satisfies the collateral request for the identified application; and transmit, to the user computing device or to the ATM, a notification indicating that the application has been approved.Type: GrantFiled: June 14, 2021Date of Patent: February 13, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Peter Ho, Robin Lo, Lisa M. Schur
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Patent number: 11900362Abstract: 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: GrantFiled: October 25, 2021Date of Patent: February 13, 2024Assignee: 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
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Patent number: 11893588Abstract: A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.Type: GrantFiled: January 23, 2023Date of Patent: February 6, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Azita Asefi, Jorge Michirefe, Al Hecht, Steve Puffer, Peter Ho
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Patent number: 11861594Abstract: A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.Type: GrantFiled: November 16, 2016Date of Patent: January 2, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Azita Asefi, Jorge Michirefe, Al Hecht, Steve Puffer, Peter Ho
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Patent number: 11847633Abstract: 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: GrantFiled: November 9, 2021Date of Patent: December 19, 2023Assignee: 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
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Patent number: 11823205Abstract: A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.Type: GrantFiled: August 29, 2022Date of Patent: November 21, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Azita Asefi, Jorge Michirefe, Al Hecht, Steve Puffer, Peter Ho
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Patent number: 11810124Abstract: Methods and systems of exchanging data using payment cards with universal reference numbers are disclosed. A merchant computing system includes a merchant input/output assembly receiving a universal reference number from a customer at a point of sale. A merchant database retrievably stores a plurality of universal reference numbers and customer information associated with each of the plurality of universal reference numbers. A transaction circuit receives the universal reference number from the merchant input/output assembly, retrieves customer information associated with the universal reference number, and provides an output relating to a transaction based on the customer information.Type: GrantFiled: April 5, 2021Date of Patent: November 7, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Peter Ho, Brian M. Pearce