Patents by Inventor Steven E. Puffer

Steven E. 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).

  • Patent number: 11972402
    Abstract: Systems, methods, and computer-readable storage media for performing a peer-to-peer (P2P) transfer by a third-party, where a method includes receiving transfer information and a first token including sender information of a sender and a second token including receiver information of a receiver, and validating the first token and the second token based on verifying both the sender and the receiver are registered with the real-time payment system. The method includes processing the first token and the second token based on determining a sender endpoint, a receiver endpoint, and a demand deposit account of the sender, and transmitting a request for a guarantee, the request for the guarantee including the sender endpoint and the demand deposit account of the sender. The method includes receiving an issued guarantee, transferring funds based on the transfer information, the first token, and the second token, and transmitting a transfer confirmation.
    Type: Grant
    Filed: April 4, 2022
    Date of Patent: April 30, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Alan W. Hecht, Ann M. Kirk, Brian M. Pearce, Steven E. Puffer, Wairnola Marria Rhodriquez, Javier S. Silva
  • Publication number: 20240127256
    Abstract: A system and method for card control includes a card control computing system configured to enforce a card control rule based upon transactions made with a payment card. The card control computing system includes a memory unit configured to store information associated with a card control dashboard, and a processing unit configured to cause presentation of the card control dashboard via a display associated with a remote computing device, such that the card control dashboard is associated with the payment card and the card control rule. The card control dashboard includes a user interface. The processing unit is further configured to receive an input via the user interface to activate or deactivate one or more features associated with the card control rule, and trigger the card control rule based upon the one or more features that are activated or deactivated.
    Type: Application
    Filed: December 26, 2023
    Publication date: April 18, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Jennifer A. Fisher, Brian M. Pearce, Steven E. Puffer
  • Publication number: 20240127257
    Abstract: A system and method for card control includes a card control computing system configured to enforce a card control rule based upon transactions made with a payment card. The card control computing system includes a memory unit configured to store information associated with a card control dashboard, and a processing unit configured to cause presentation of the card control dashboard via a display associated with a remote computing device, such that the card control dashboard is associated with the payment card and the card control rule. The card control dashboard includes a user interface. The processing unit is further configured to receive an input via the user interface to activate or deactivate one or more features associated with the card control rule, and trigger the card control rule based upon the one or more features that are activated or deactivated.
    Type: Application
    Filed: December 26, 2023
    Publication date: April 18, 2024
    Inventors: Jennifer A. Fisher, Brian M. Pearce, Steven E. Puffer
  • Publication number: 20240086900
    Abstract: A method performed by a computing system includes determining that the mobile device is at the merchant location based on a comparison of a location of a mobile device of a user with a merchant location of a merchant, determining that the merchant participates in a rewards promotion, receiving a transaction request associated with a rewards account of the user, activating the rewards promotion based on the determination that the mobile device is at the merchant location and the determination that the merchant participates in the rewards promotion, determining a value of a rewards balance based on the activated rewards promotion, and determining that the value of the rewards balance based on the activated rewards promotion is sufficient to complete the transaction request.
    Type: Application
    Filed: November 13, 2023
    Publication date: March 14, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Steven E. Puffer
  • Publication number: 20240054524
    Abstract: A method includes receiving a payment request for a transaction between a merchant and a customer. The payment request includes a payment token and an amount of the transaction in currency. The rewards account stores a number of rewards points. The method includes authenticating the payment request. The method includes determining a currency conversion value for the rewards points. The currency conversion value is based on a conversion rate and a merchant multiplier. The method includes determining the number of rewards points is not enough to cover the transaction. The method includes identifying a secondary payment source that contains sufficient funds to cover a remaining balance of the transaction. The method includes transmitting an approval message to a merchant computing system.
    Type: Application
    Filed: October 26, 2023
    Publication date: February 15, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Steven E. Puffer
  • Patent number: 11900362
    Abstract: 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: Grant
    Filed: October 25, 2021
    Date of Patent: February 13, 2024
    Assignee: 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
  • Publication number: 20240048552
    Abstract: A computer-implemented method includes generating a token associated with a user-level profile, receiving via a computing system a transaction message associated with a transaction where the transaction message includes a first data portion and a second data portion and where the token is part of at least one of the first data portion or the second data portion, obtaining via a network the token from the received transaction message, validating the token responsive to receiving a validation confirmation from a service provider, and transmitting an identity verification to the computing system responsive to validating the token.
    Type: Application
    Filed: October 17, 2023
    Publication date: February 8, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Kristine Ing Kushner, Brian M. Pearce, Steven E. Puffer, Nikolai Stroke, Paul Vittimberga, Young M. Yang
  • Patent number: 11875358
    Abstract: A system and method for card control includes a card control computing system configured to enforce a card control rule based upon transactions made with a payment card. The card control computing system includes a memory unit configured to store information associated with a card control dashboard, and a processing unit configured to cause presentation of the card control dashboard via a display associated with a remote computing device, such that the card control dashboard is associated with the payment card and the card control rule. The card control dashboard includes a user interface. The processing unit is further configured to receive an input via the user interface to activate or deactivate one or more features associated with the card control rule, and trigger the card control rule based upon the one or more features that are activated or deactivated.
    Type: Grant
    Filed: January 4, 2018
    Date of Patent: January 16, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Jennifer A. Fisher, Brian M. Pearce, Steven E. Puffer
  • Patent number: 11869013
    Abstract: A system and method for card control includes a card control computing system configured to enforce a card control rule based upon transactions made with a payment card. The card control computing system includes a memory unit configured to store information associated with a card control dashboard, and a processing unit configured to cause presentation of the card control dashboard via a display associated with a remote computing device, such that the card control dashboard is associated with the payment card and the card control rule. The card control dashboard includes a user interface. The processing unit is further configured to receive an input via the user interface to activate or deactivate one or more features associated with the card control rule, and trigger the card control rule based upon the one or more features that are activated or deactivated.
    Type: Grant
    Filed: January 4, 2018
    Date of Patent: January 9, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Jennifer A. Fisher, Brian M. Pearce, Steven E. Puffer
  • Patent number: 11847633
    Abstract: 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: Grant
    Filed: November 9, 2021
    Date of Patent: December 19, 2023
    Assignee: 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
  • Publication number: 20230376919
    Abstract: A system includes a location identifier device and a computer system. The location identifier is configured to transmit an identifier to a user device when the user device is within a predetermined range of an area and receive location information from the user device associated with a user. The computer system is configured to receive the location information from the user device within the area via the location identifier device and receive a request for an ATM transaction from the user device. The request includes attribute information associated with the user. The computer system is configured to receive attribute information associated with the user comprising an indication of a license plate within the area and identify, based on a determination that the attribute information at least partially matches the attribute information from the request, the user associated with the request.
    Type: Application
    Filed: July 31, 2023
    Publication date: November 23, 2023
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Miranda C. Hill, Alicia Y. Moore, Steven E. Puffer, Jerome Rhodes, Susan Symons, Michael R. Thomas, Young M. Yang
  • Patent number: 11823179
    Abstract: Systems and methods for providing a rewards payment form linked directly to a rewards account are described. The system can determine, based on a comparison of a location of a mobile device with a merchant location of a merchant, that the mobile device is at the merchant location. The system can determine that the merchant participates in a rewards promotion and can receive a transaction request associated with a rewards account and a cryptogram. The system can authenticate the transaction request by decrypting the cryptogram and can activate the rewards promotion based on the determination that the mobile device is at the merchant location and the determination that the merchant participates in the rewards promotion.
    Type: Grant
    Filed: August 22, 2022
    Date of Patent: November 21, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Steven E. Puffer
  • Patent number: 11823224
    Abstract: Systems and methods for applying reward points from a rewards account to a transaction are disclosed. A method can include receiving a payment request from a merchant computer system for a transaction. The method can include authenticating the payment request by acquiring and using an encryption key transmitted by a financial institution computing system from a database that is associated with a payment account. The method may include determining the number of rewards points in the rewards account is not enough to cover the transaction. The method may include transmitting a partial authorization message to the merchant computer system including an approval amount. The method may include receiving a second payment request comprising a remaining balance of the transaction. The method may include identifying a secondary payment source to cover the remaining balance of the transaction.
    Type: Grant
    Filed: April 25, 2022
    Date of Patent: November 21, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Steven E. Puffer
  • Patent number: 11799851
    Abstract: A computer implemented method performed by an identity verification computing system includes generating a user-level token associated with a user-level profile. The method further includes receiving a card-based transaction message associated with a card-based transaction. The card-based transaction message includes a card information portion and a point-of-sale data portion. The user-level token is inserted into at least one of the card information portion or the point-of-sale data portion. The method further includes obtaining the user-level token from the received card-based transaction message, validating the user-level token responsive to receiving a validation confirmation from a token service provider, and transmitting an identity verification to the entity computing system responsive to validating the user-level token.
    Type: Grant
    Filed: September 26, 2022
    Date of Patent: October 24, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Kristine Ing Kushner, Brian M. Pearce, Steven E. Puffer, Nikolai Stroke, Paul Vittimberga, Young M. Yang
  • Patent number: 11763303
    Abstract: A method includes verifying the identity of an individual. The method further includes receiving non-financial data from the individual and generating a user-level profile. The user-level profiles include the non-financial data received from the individual. The method further includes generating a user-level token unique to the individual. The user-level token is associated with the generated user-level profile. The method also includes provisioning the user-level token to a device associated with the individual. The method further includes receiving an identity verification request comprising the user-level token, wherein the identity verification request is structured as a financial transaction card-originated message, validating the user-level token, and analyzing a context of the received user-level token to determine a relevant non-financial data element included in the non-financial information within the user-level profile.
    Type: Grant
    Filed: March 10, 2017
    Date of Patent: September 19, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Kristine Ing Kushner, Brian M. Pearce, Steven E. Puffer, Nikolai Stroke, Paul Vittimberga, Young M. Yang
  • Publication number: 20230281578
    Abstract: Systems, methods, and non-transitory computer-readable media for performing exchanges. One method includes receiving a request identifying a payor account and an amount of funds to transfer an account associated with a customer of the depository bank computing system, determining the request qualifies for a non-inquiry transaction (NIT) protocol, transmitting, by the depository bank computing system to an account verification service computing system over the real-time data channel, a guarantee offer including a payor account token based on the shared account status information, receiving, over the real-time data channel and from the account verification service computing system, an accepted guarantee offer, crediting an account of the customer, receiving, over the real-time data channel, a guarantee override, and reversing the transfer of funds associated with the guarantee.
    Type: Application
    Filed: May 8, 2023
    Publication date: September 7, 2023
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Alan W. Hecht, Ann M. Kirk, Brian M. Pearce, Steven E. Puffer, Wairnola Marria Rhodriquez, Javier S. Silva
  • Publication number: 20230274277
    Abstract: A computing system includes an interface configured to communicate with an entity computing system associated with a merchant via a network, an identity database storing verified personal identifying information, a memory, and at least one processor configured to: determine whether an individual is associated with an existing user account; prompt the individual to create a user account; verify an identity of the individual using personal identifying information associated with the individual; receive non-financial information associated with the individual; generate a user-level profile having the non-financial information; generate a user-level token unique to the individual; transmit the user-level token to a device associated with the individual; receive an identity verification request having the user-level token; validate the user-level token; determine that the identity verification request includes contextual data; determine the non-financial information that is relevant to the contextual data; and tra
    Type: Application
    Filed: May 2, 2023
    Publication date: August 31, 2023
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Kristine Ing Kushner, Brian M. Pearce, Steven E. Puffer, Nikolai Stroke, Paul Vittimberga, Young M. Yang
  • Patent number: 11727388
    Abstract: 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: Grant
    Filed: March 30, 2021
    Date of Patent: August 15, 2023
    Assignee: 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
  • Publication number: 20230252455
    Abstract: 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: Application
    Filed: April 17, 2023
    Publication date: August 10, 2023
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Peter Ho, Ashish B. Kurani, Brian M. Pearce, Steven E. Puffer
  • Patent number: 11720958
    Abstract: Systems and methods relating to determining an address of a user by device location prior to sending a replacement card, the method being performed by a card management computing system associated with a card management entity. The method includes determining a location of a mobile device associated with a user via geolocation monitoring of the mobile device. The method further includes determining that a card associated with the user needs to be replaced. Upon determining that the card needs to be replaced, the method further includes determining an address for the user based on the geolocation monitoring. The method further includes sending instructions indicating a replacement card should be mailed to the determined address.
    Type: Grant
    Filed: May 3, 2021
    Date of Patent: August 8, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Jesse F. Lee, Ish Kumar Malhotra, Steven E. Puffer, Katherine M. Yee