Patents by Inventor Ronald H. Yang

Ronald H. Yang 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: 11763337
    Abstract: A system for providing a third party engagement in a host property is provided. The system includes a user device structured to: provide an indication of an active user session associated with a host property, the host property communicatively coupled to a host property provider computing system; receive a third party engagement based on a trigger activated during the active user session, the trigger structured to generate the third party engagement; provide, via a graphical user interface comprising the host property, the third party engagement based on the trigger activated; and receive an indication of activation of the third party engagement.
    Type: Grant
    Filed: April 16, 2018
    Date of Patent: September 19, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Lila Fakhraie, Jennifer Greene, Christopher J. Hirth, Ashish B. Kurani, Andrea Renee Leighton, Margot Lockwood-Stein, Ronald H. Yang, Young M. Yang
  • Publication number: 20230274307
    Abstract: A method for providing a third party engagement in a host property application is provided. The method includes: receiving an indication of an authentication of a user from the host property application such that additional authentication information for a third party that provides a third party engagement specific to the user is not required; determining that the user device is at or near a location of the third party; receiving an indication of an active user session associated with the host property application while the user device is at or near the location of the third party; generating a third party engagement specific to the user and associated with the third party; and providing, via a graphical user interface presented by a display device, the third party engagement specific to the user during the same active user session.
    Type: Application
    Filed: May 2, 2023
    Publication date: August 31, 2023
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Lila Fakhraie, Jennifer Greene, Christopher J. Hirth, Ashish B. Kurani, Andrea Renee Leighton, Margot Lockwood-Stein, Ronald H. Yang, Young M. Yang
  • Publication number: 20230274252
    Abstract: A computing system may include a network circuit configured to communicate with a third party computing device via a network, one or more interface elements (e.g., application programming interfaces and/or software development kits) providing account open functionality, and an account open circuit configured to: accept, via the interface elements, a set of user data and an account open request for opening a new account with the provider, where the set of user data is received from a user computing device of a user via a third party website or application; establish the new account by generating a set of account data associated with the new account without directing the user to the operating environment of a website or application of the provider; and transmit the set of account data to the third party computing device for use by the third party computing device in a transaction with the user.
    Type: Application
    Filed: May 3, 2023
    Publication date: August 31, 2023
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Jennifer J. Caceres, Lila Fakhraie, Jennifer Greene, Christopher J. Hirth, Ashish B. Kurani, Andrea Renee Leighton, Margot Lockwood-Stein, Kumaran Perumal, Benjamin Soccorsy, Ronald H. Yang, Young M. Yang
  • Patent number: 11676126
    Abstract: A computing system may include a network circuit configured to communicate with a third party computing device via a network, one or more interface elements (e.g., application programming interfaces and/or software development kits) providing account open functionality, and an account open circuit configured to: accept, via the interface elements, a set of user data and an account open request for opening a new account with the provider, where the set of user data is received from a user computing device of a user via a third party website or application; establish the new account by generating a set of account data associated with the new account without directing the user to the operating environment of a website or application of the provider; and transmit the set of account data to the third party computing device for use by the third party computing device in a transaction with the user.
    Type: Grant
    Filed: May 7, 2019
    Date of Patent: June 13, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Jennifer J. Caceres, Lila Fakhraie, Jennifer Greene, Christopher J. Hirth, Ashish B. Kurani, Andrea Renee Leighton, Margot Lockwood-Stein, Kumaran Perumal, Benjamin Soccorsy, Ronald H. Yang, Young M. Yang
  • Patent number: 11106515
    Abstract: A computing system includes a network circuit configured to communicate data over a network, an accounts database configured to store information pertaining to accounts associated with a plurality of customers, and a plurality of application programming interfaces (APIs). The computing system also includes an integration circuit configured to receive a plurality of indications from different third parties of third party preferences to integrate different ones of the functionalities into different third party services. The integration circuit is further configured to select different subsets of the plurality of APIs for the different third parties based on functionalities identified via the indications. The integration circuit is further configured to provide, via a first selected subset of the plurality of APIs, information associated with a first functionality to an external device to facilitate access to the first functionality via a first third party service.
    Type: Grant
    Filed: December 10, 2018
    Date of Patent: August 31, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Lila Fakhraie, Jennifer Greene, Christopher J. Hirth, Ashish B. Kurani, Andrea Renee Leighton, Margot Lockwood-Stein, Benjamin Soccorsy, Ronald H. Yang, Young M. Yang
  • Publication number: 20190220841
    Abstract: Systems and techniques for dynamic micropayment fee selector are described herein. A transaction stream may be obtained from an electronic transaction processing service. A transaction velocity of a set of transactions that correspond to a user account of the electronic transaction processing service included in the transaction stream may be calculated for a first period of time. A fee tier data structure may be generated based on the transaction velocity. A fee tier of the fee tier data structure may be applied to the user account. An indication of the applied fee tier and an electronic representation of the fee tier data structure may be transmitted to a device associated with the user account.
    Type: Application
    Filed: January 12, 2018
    Publication date: July 18, 2019
    Inventors: Wayne Barakat, Nathan Craig Bricklin, Kristine Ing Kushner, Yung Ung Lee, Andrea Renee Leighton, Orsolya Oldroyd, Wairnola Marria Rhodriquez, Paul Vittimberga, Ronald H. Yang