Patents by Inventor Steve Puffer
Steve Puffer 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: 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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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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Patent number: 11928668Abstract: A method includes receiving a fund access request from a user device associated with a user; generating a tokenized card number based on an actual card account number of the user that substitutes the actual card account number in a payment transaction; providing a code to the user device including the tokenized card number and a numeric or alphanumeric string of values; determining that the numeric or alphanumeric string of values in the code transmitted to the user device matches a numeric or alphanumeric string of values in a field of a code received from a separate computer system; determining that a location of the user device matches a merchant location; authenticating the payment transaction based on the numeric or alphanumeric match and the location match; and, transmitting the actual card account number to the separate computer system as part of the payment transaction.Type: GrantFiled: October 3, 2022Date of Patent: March 12, 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: 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: 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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Publication number: 20230281633Abstract: 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: May 15, 2023Publication date: September 7, 2023Applicant: Wells Fargo Bank, N.A.Inventors: Azita Asefi, Jorge Michirefe, Al Hecht, Steve Puffer, Peter Ho
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Patent number: 11651379Abstract: 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: May 16, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Azita Asefi, Jorge Michirefe, Al Hecht, Steve Puffer, Peter Ho
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Patent number: 11574300Abstract: A mobile wallet computer server receives a fund access request from a user device. The fund access request is made in connection with a payment transaction. The mobile wallet server generates a tokenized card number, transmits the tokenized card number to the user device, and receives receive the tokenized card number from a card network computer system after having been routed from the user device via a merchant computer system and via an acquirer processor computer system. The mobile wallet computer server converts the tokenized card number to the actual credit card account number of the user and transmits the actual credit card account number to the card network computer system to process the payment transaction.Type: GrantFiled: August 28, 2014Date of Patent: February 7, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Ashish Bhoopen Kurani, Nikolai Stroke, Bipin Sahni, Stephen M. Ellis, Steve Puffer
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Patent number: 11562347Abstract: 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 24, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Azita Asefi, Jorge Michirefe, Al Hecht, Steve Puffer, Peter Ho
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Patent number: 11461766Abstract: A mobile wallet computer server receives a fund access request from a user device. The fund access request is made in connection with a payment transaction. The mobile wallet server generates a tokenized card number, transmits the tokenized card number to the user device, and receives receive the tokenized card number from a card network computer system after having been routed from the user device via a merchant computer system and via an acquirer processor computer system. The mobile wallet computer server converts the tokenized card number to the actual credit card account number of the user and transmits the actual credit card account number to the card network computer system to process the payment transaction.Type: GrantFiled: August 28, 2014Date of Patent: October 4, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Ashish Bhoopen Kurani, Nikolai Stroke, Bipin Sahni, Stephen M. Ellis, Steve Puffer
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Patent number: 11429975Abstract: 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: March 25, 2016Date of Patent: August 30, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Azita Asefi, Jorge Michirefe, Al Hecht, Steve Puffer, Peter Ho
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Patent number: 11410161Abstract: A computer-implemented method for executing a transaction includes receiving, by a card network computer system, an identification number, the identification number being received from an acquirer processor computer system after having been routed from a mobile wallet computer system, via a user device and a merchant computer system, to the acquirer processor computer system. The method also includes transmitting, by the card network computer system, the identification number back to the mobile wallet computer system. The method also includes receiving, by the card network computer system, from the mobile wallet computer system, an approval of the transaction, the approval being generated by the mobile wallet computer system based on a match of the identification number transmitted by the mobile wallet computer system to the user device and the identification number received by the mobile wallet computer system from the card network computer system.Type: GrantFiled: December 7, 2018Date of Patent: August 9, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Ashish Bhoopen Kurani, Nikolai Stroke, Bipin Sahni, Stephen M. Ellis, Steve Puffer
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Patent number: 11170614Abstract: A method for authenticating a transaction includes replacing a first security value of a transaction device with a second security value; receiving, during a first transaction, the second security value; authenticating the first transaction based at least in part on the second security value; determining that a predetermined number of transactions have occurred during which the second verification value was not rewritten since the second security value was replaced; responsive to determining that the predetermined number of transactions have occurred, replacing the second security value on the transaction device with a third security value; receiving, during a second transaction, the third security value; and authenticating the second transaction based at least in part on the third security value.Type: GrantFiled: May 18, 2020Date of Patent: November 9, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Michael Thomas, Jesse Lee, Steve Puffer, Jerome Rhodes
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Publication number: 20210019741Abstract: One embodiment of the present disclosure relates to a computer-implemented method that includes sending, by a mobile wallet server, an identification number that is part of a substitute card number to be used by a mobile device as a mobile wallet, determining an actual card number based on the substitute card number and sending the actual card number and the identification number for processing a payment.Type: ApplicationFiled: April 30, 2014Publication date: January 21, 2021Inventors: Ashish Bhoopen Kurani, Nikolai Stroke, Bipin Sahni, Stephen M. Ellis, Steve Puffer
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Patent number: 10657774Abstract: Embodiments of the method for authenticating may include causing an automated teller machine to replace a card verification value with an updated card verification value during a first transaction at the automated teller machine when a re-write condition is present, such as a request from an account holder, a determination that the security of the card was compromised during a prior transaction, a predetermined time interval has lapsed, a predetermined number of transactions have occurred since a previous time the card verification value was rewritten, and according to a predetermined geographical parameter. The updated card verification value may be stored as a current value in a verification value database. The method may include receiving a card verification request related to a second transaction, and authenticating, using verification logic, the second transaction by determining whether the card verification value for the second transaction matches the current value stored in the database.Type: GrantFiled: February 26, 2018Date of Patent: May 19, 2020Assignee: Wells Fargo Bank, N.A.Inventors: Michael Thomas, Jesse Lee, Steve Puffer, Jerome Rhodes
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Patent number: 9905085Abstract: Embodiments of the method for authenticating may include causing an automated teller machine to replace a card verification value with an updated card verification value during a first transaction at the automated teller machine when a re-write condition is present, such as a request from an account holder, a determination that the security of the card was compromised during a prior transaction, a predetermined time interval has lapsed, a predetermined number of transactions have occurred since a previous time the card verification value was rewritten, and according to a predetermined geographical parameter. The updated card verification value may be stored as a current value in a verification value database. The method may include receiving a card verification request related to a second transaction, and authenticating, using verification logic, the second transaction by determining whether the card verification value for the second transaction matches the current value stored in the database.Type: GrantFiled: November 18, 2014Date of Patent: February 27, 2018Assignee: Wells Fargo Bank, N.A.Inventors: Michael Thomas, Jesse Lee, Steve Puffer, Jerome Rhodes
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Patent number: 9652770Abstract: One embodiment of the present disclosure relates to a computer-implemented method that includes sending, by a mobile wallet server, an identification number that is part of a substitute card number to be used by a mobile device as a mobile wallet, determining an actual card number based on the substitute card number and sending the actual card number and the identification number for processing a payment.Type: GrantFiled: April 30, 2014Date of Patent: May 16, 2017Assignee: Wells Fargo Bank, N.A.Inventors: Ashish Bhoopen Kurani, Nikolai Stroke, Bipin Sahni, Stephen M. Ellis, Steve Puffer
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Patent number: 8887994Abstract: Embodiments of the method for authentication can include determining that security of a card has been compromised during a first card transaction. The method may include generating a card verification value. Embodiment of an automated teller machine may write the card verification value to the card during a second card transaction, and the second card transaction occurring after the first card transaction. The financial institution system may detect an attempted fraudulent transaction associated with the card, the fraudulent transaction being attempted by a fraudster who obtained access to information obtained when the security of the card was compromised during the first transaction. The financial institution system may disallow the fraudulent transaction.Type: GrantFiled: April 6, 2012Date of Patent: November 18, 2014Assignee: Wells Fargo Bank, N.A.Inventors: Michael Thomas, Jesse Lee, Steve Puffer, Jerome Rhodes