Patents by Inventor Ray G. Redwood

Ray G. Redwood 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: 20240112203
    Abstract: Systems and methods for remotely verifying an identity of a user to open an account are provided. A method includes: receiving information relating to an identity of a first user from a first computing device associated with a second user, the information comprising contact information for the first user; sending a notification to a second computing device associated with the first user based on the information received from the first computing device; in response to receiving an affirmative reply from the second computing device, verifying the identity of the first user; and opening an account for the first user based on the identity of the first user being verified by receiving the affirmative reply from the second computing device.
    Type: Application
    Filed: December 12, 2023
    Publication date: April 4, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Jonathan Hartsell, Nanie Lee, Ray G. Redwood, Daniel Sanford, Elizabeth Votaw
  • Patent number: 11880881
    Abstract: Various examples are directed to systems and methods for interfacing a computing system to a human user. For example, a computing system may provide a graphical user interface at a display of a user computing device. The user interface may include a positive financial profile indicator at a first position on the display; a negative financial profile indicator at a second position on the display opposite the positive financial profile indicator; and a user financial profile indicator describing a user, the user financial profile indicator positioned between the positive financial profile indicator and the negative financial profile indicator. The computing system may receive user transaction data describing a financial transaction. The computing system may determine that the financial transaction worsens a financial profile of the user. The computing system may also modify the user interface to orient the user financial profile indicator towards the negative financial profile indicator.
    Type: Grant
    Filed: April 5, 2023
    Date of Patent: January 23, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: John Andrew Chuprevich, Eric M. Huitger, Akiva D. Kates, Ray G. Redwood, Teresa Lynn Rench
  • Patent number: 11869020
    Abstract: Systems and methods for remotely verifying an identity of a minor to open an account at a financial institution for the minor are provided. A method includes, responsive to verification of an identity of an adult associated with the minor, receiving, by a provider institution computing system of a provider institution, information relating to the minor from a minor computing device associated with the minor, and scraping, by the provider institution computing system, data from one or more social media profiles associated with the adult. The method includes comparing, by the provider institution computing system, the scraped data to information from the adult regarding the minor, and in response to a match, remotely verifying, by the provider institution computing system, the identity of the minor based on the information relating to the minor, such that the account for the minor is authorized to be opened at the provider institution.
    Type: Grant
    Filed: January 9, 2023
    Date of Patent: January 9, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Jonathan Hartsell, Nanie Lee, Ray G. Redwood, Daniel Sanford, Elizabeth Votaw
  • Publication number: 20230237568
    Abstract: Various examples are directed to systems and methods for interfacing a computing system to a human user. For example, a computing system may provide a graphical user interface at a display of a user computing device. The user interface may include a positive financial profile indicator at a first position on the display; a negative financial profile indicator at a second position on the display opposite the positive financial profile indicator; and a user financial profile indicator describing a user, the user financial profile indicator positioned between the positive financial profile indicator and the negative financial profile indicator. The computing system may receive user transaction data describing a financial transaction. The computing system may determine that the financial transaction worsens a financial profile of the user. The computing system may also modify the user interface to orient the user financial profile indicator towards the negative financial profile indicator.
    Type: Application
    Filed: April 5, 2023
    Publication date: July 27, 2023
    Inventors: John Andrew Chuprevich, Eric M. Huitger, Akiva D. Kates, Ray G. Redwood, Teresa Lynn Rench
  • Patent number: 11657450
    Abstract: Various examples are directed to systems and methods for interfacing a computing system to a human user. For example, a computing system may provide a graphical user interface at a display of a user computing device. The user interface may include a positive financial profile indicator at a first position on the display; a negative financial profile indicator at a second position on the display opposite the positive financial profile indicator; and a user financial profile indicator describing a user, the user financial profile indicator positioned between the positive financial profile indicator and the negative financial profile indicator. The computing system may receive user transaction data describing a financial transaction. The computing system may determine that the financial transaction worsens a financial profile of the user. The computing system may also modify the user interface to orient the user financial profile indicator towards the negative financial profile indicator.
    Type: Grant
    Filed: November 19, 2021
    Date of Patent: May 23, 2023
    Assignee: Wells Fargo Bank, N.A
    Inventors: John Andrew Chuprevich, Eric M. Huitger, Akiva D. Kates, Ray G. Redwood, Teresa Lynn Rench
  • Patent number: 11551237
    Abstract: Systems and methods for remotely verifying an identity of a minor to open an account at a financial institution for the minor are provided. A method includes receiving, by a financial institution computing system associated with the financial institution, a request from an adult computing device associated with the adult to open the account; remotely verifying, by a verification circuit, an identity of the adult based on received information regarding the adult; receiving, by the financial institution computing system, information relating to the minor from a minor computing device associated with the minor; remotely verifying, by the verification circuit, the identity of the minor based on the received information relating to the minor; and opening, by an account opening circuit associated with the financial institution computing system, an account on behalf of the minor.
    Type: Grant
    Filed: February 2, 2021
    Date of Patent: January 10, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Jonathan Hartsell, Nanie Lee, Ray G. Redwood, Daniel Sanford, Elizabeth Votaw
  • Patent number: 11182850
    Abstract: Various examples are directed to systems and methods for interfacing a computing system to a human user. For example, a computing system may provide a graphical user interface at a display of a user computing device. The graphical user interface may include a positive financial profile indicator at a first position on the display; a negative financial profile indicator at a second position on the display opposite the positive financial profile indicator; and a user financial profile indicator describing a user, the user financial profile indicator positioned between the positive financial profile indicator and the negative financial profile indicator. The computing system may receive user transaction data describing a financial transaction of the user. The computing system may determine that the financial transaction worsens a financial profile of the user. The computing system may also modify the user interface to orient the user financial profile indicator towards the negative financial profile indicator.
    Type: Grant
    Filed: March 13, 2019
    Date of Patent: November 23, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: John Andrew Chuprevich, Eric M. Huitger, Akiva D. Kates, Ray G. Redwood, Teresa Lynn Rench
  • Patent number: 11164265
    Abstract: Various examples are directed to systems and methods for interfacing a computing system to a plurality of users. A computing system may access goal data describing a financial goal and user data describing a first user associated with the financial goal and a second user associated with the financial goal. The computing system may determine a portion of a first user account associated with the first user that is allocated to the financial goal and a portion of a second user account associated with the second user that is allocated to the financial goal. The computing system may generate a graphical user interface and send the graphical user interface to a first user computing device associated with the first user and to a second user computing device associated with the second user.
    Type: Grant
    Filed: April 18, 2018
    Date of Patent: November 2, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: John Andrew Chuprevich, Eric M. Huitger, Akiva D. Kates, Ray G. Redwood, Teresa Lynn Rench, Balin Kiva Brandt