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).
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Publication number: 20230245095Abstract: A method includes presenting an initial user interface to a user that includes a first field including a first graphical depiction of a first object associated with the user and a second field including a second graphical depiction. The method also includes receiving an indication of a user interaction with the first field, and dynamically updating the initial user interface responsive to determining that the user interaction is a user selection of a second object to create an updated user interface. The updated user interface includes an updated first field including a depiction of the second object, and an updated second field including a third graphical depiction.Type: ApplicationFiled: April 10, 2023Publication date: August 3, 2023Applicant: Wells Fargo Bank, N.A.Inventors: Sudipta N. Kitsis, Ashish B. Kurani, Steven E. Puffer
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Patent number: 11715078Abstract: A system includes a location identifier device configured to receive location information from a user device; a surveillance device configured to capture video surveillance; and a computer system. The computer system is configured to: receive the location information; receive a request for an ATM transaction that includes attribute information associated with the user; obtain, from the received video surveillance, captured attribute information associated with the user; determine that the captured attribute information at least partially matches the received attribute information; transmit a transaction code to the user device based on (i) the location information from the user device being within the area, (ii) the captured attribute information at least partially matching the attribute information, and (iii) the identification of the user associated with the request; and facilitate the ATM transaction based at least partially on the received transaction code.Type: GrantFiled: June 6, 2022Date of Patent: August 1, 2023Assignee: 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
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Publication number: 20230214818Abstract: 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: ApplicationFiled: March 15, 2023Publication date: July 6, 2023Applicant: 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: 11669813Abstract: A method of performing an off-us deposit with reversal is provided. The method includes receiving, by a depository bank computing system associated with a depository bank, a request identifying an amount of a transfer of funds from a paying bank, different from the depository bank, into an account associated with a customer of the depository bank. The method further includes crediting, by the depository bank computing system, the account of the customer of the depository bank by the amount of the transfer of funds. The method further includes determining, by the depository bank computing system, a need for a reversal of the transfer of funds from the account of the customer of the depository bank. The method further includes reversing, by the depository bank computing system, the transfer of funds from the account of the customer by the amount of the transfer of funds.Type: GrantFiled: December 22, 2016Date of Patent: June 6, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Alan W. Hecht, Ann M. Kirk, Brian M. Pearce, Steven E. Puffer, Wairnola Marria Rhodriquez, Javier S. Silva
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Patent number: 11631076Abstract: A method for provisioning a payment account to a mobile wallet on a mobile device includes receiving, by a provider computing system, an encrypted network return address of the mobile wallet that uniquely identifies a network address of the mobile wallet when the encrypted network return address is decrypted from an initiating device, receiving, by the provider computing system, an encryption key configured to decrypt the encrypted network return address, wherein the encryption key is not provided to the initiating device, decrypting, by the provider computing system, the encrypted network return address using the encryption key, and provisioning, by the provider computing system, a payment token associated with the payment account to the mobile wallet based on the decrypted network return address received from the initiating device by transmitting the payment token to the mobile device without going through the initiating device.Type: GrantFiled: July 12, 2021Date of Patent: April 18, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Peter Ho, Ashish B. Kurani, Brian M. Pearce, Steven E. Puffer
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Patent number: 11625710Abstract: A mobile wallet computing system associated with a mobile wallet database includes a mobile wallet circuit structured to present a mobile wallet interface a mobile wallet user. The mobile wallet interface includes a first portion that includes a graphical depiction of a user payment vehicle associated with a financial institution, the first portion including a first interaction point that enables the user to initiate a sequence to engage in a mobile wallet transaction using the mobile wallet. The interface also includes a second portion that includes a second interaction point and a third interaction point, the second interaction point enabling the user to access a functionality enabling the user to indicate a transaction preference for a transaction with an entity other than the mobile wallet provider or financial institution, the third interaction point enabling the user to indicate a preference to initiate communications with the financial institution.Type: GrantFiled: May 24, 2017Date of Patent: April 11, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Sudipta N. Kitsis, Ashish B. Kurani, Steven E. Puffer
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Patent number: 11587062Abstract: Systems and methods for bundling various functionalities and features into a mobile wallet are provided. A method includes: receiving an indication from a user to install a mobile wallet client application on a user device; receiving registration information to install the mobile wallet client application including information regarding a first transaction card associated with the user; determining that the first transaction card is not associated with a token while a second transaction card is associated with a token; registering the user for the mobile wallet client application, the mobile wallet client application configured to present the user with a mobile wallet interface, wherein the mobile wallet interface includes a first graphical depiction of the first transaction card; and updating the first graphical depiction of the mobile wallet interface to remove a depiction of a transaction feature for the first transaction card based on the transaction feature not being utilized.Type: GrantFiled: December 18, 2020Date of Patent: February 21, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Ashish B. Kurani, Braden More, Daniel Peltz, Steven E. Puffer
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Patent number: 11556936Abstract: 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: GrantFiled: April 25, 2017Date of Patent: January 17, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Jennifer A. Fisher, Brian M. Pearce, Steven E. Puffer
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Patent number: 11507935Abstract: A mobile wallet computing system associated with a mobile wallet database includes a mobile wallet circuit structured to present a mobile wallet interface a mobile wallet user. The mobile wallet interface includes a first portion that includes a graphical depiction of a user payment vehicle associated with a financial institution, the first portion including a first interaction point that enables the user to initiate a sequence to engage in a mobile wallet transaction using the mobile wallet. The interface also includes a second portion that includes a second interaction point and a third interaction point, the second interaction point enabling the user to access a functionality enabling the user to indicate a transaction preference for a transaction with an entity other than the mobile wallet provider or financial institution, the third interaction point enabling the user to indicate a preference to initiate communications with the financial institution.Type: GrantFiled: May 24, 2017Date of Patent: November 22, 2022Assignee: WELLS FARGO BANK, N.A.Inventors: Stephen M. Ellis, Ashish B. Kurani, Steven E. Puffer
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Patent number: 11470079Abstract: A computer implemented method performed by an identity verification computing system includes generating a user-level token associated with a user-level profile. The user-level profile is associated with a user and is unique to the user. The method includes receiving a request to provide an identity verification of a user via an entity computing system, the request comprising a card-based transaction message associated with a card-based transaction, the card-based transaction message comprising the user-level token. The method further includes accessing the user-level profile associated with the user-level token, obtaining the user-level token from the card-based transaction message, validating the user-level token, and transmitting an identity verification approval to the entity computing system.Type: GrantFiled: June 2, 2020Date of Patent: October 11, 2022Assignee: 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
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Patent number: 11449875Abstract: Systems, methods, and apparatuses are described for an intelligent dashboard that allows interested parties to verify and validate relevant information on enterprises and their representatives. A servicing entity may provide an enterprise with a dashboard that includes select fields corresponding to information predicted to be useful to clients of the enterprise based on commercial characteristics of the enterprise and its client base. Fields may be populated with information previously available to the servicing entity, and with supplemental information acquired (manually or automatically) from the enterprise or from third party data sources. The enterprise may impose restrictions on which information is to be available to which clients, and the servicing entity may generate a code for use by clients to access the dashboard or certain information. The dashboard can allow clients to track the location of a representative and help validate the identify of a representative arriving at a client's location.Type: GrantFiled: January 12, 2018Date of Patent: September 20, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Ryan S. Alexander, Kristine Ing Kushner, Katherine Guse Jagoe, Steven E. Puffer, Eric E. Thompson, Paul Vittimberga
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Patent number: 11423395Abstract: Systems and methods for providing a rewards payment form linked directly to a rewards account are described. The rewards points may be spent directly by the customer through the use of the payment form linked to the rewards account. The payment form may be a payment card (e.g., a physical card having an account number accessible via a magstripe, an EMV chip, etc.) or a virtual payment card loaded into a mobile wallet accessible by the customer. The rewards payment form allows the customer to spend the rewards points stored in the rewards account without first going through the extra step of converting the rewards points into currency.Type: GrantFiled: November 28, 2017Date of Patent: August 23, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Ashish B. Kurani, Steven E. Puffer
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Patent number: 11367064Abstract: 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 23, 2016Date of Patent: June 21, 2022Assignee: 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: 11354632Abstract: A system includes a customer database that stores user information concerning a plurality of customers, a network interface configured to communicate data over a network, and a processing circuit comprising a processor and memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive an indication that a customer is within a predetermined distance from an automated teller machine (ATM), transmit, responsive to receiving the indication, an authorization signal to a customer computing device associated with the customer, the authorization signal configured to activate an ATM pre-stage function of an application implemented on the customer computing device, receive, by the network interface over the network, customer transaction preferences from the customer computing device, and authorize an ATM transaction at the ATM based on the received customer transaction preferences.Type: GrantFiled: December 30, 2016Date of Patent: June 7, 2022Assignee: 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
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Patent number: 11354631Abstract: Systems and methods of remotely configuring a transaction based, in part, on location information for execution by a computing device associated with a financial institution computing system include a backend system configured to receive location information associated with a user device, determine the location information associated with the user device matches a location configured for pre-staging an ATM transaction, transmit an ATM pre-stage authorization signal to the user device, transmit an authentication decision to the user device, and transmit a transaction code to the user device.Type: GrantFiled: December 13, 2016Date of Patent: June 7, 2022Assignee: 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
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Publication number: 20220138708Abstract: Examples described herein relate to apparatuses and methods that include determining that an initial transaction based on a first account of a user is processed for the user associated with a user device, determining attribute changes to the first account or to a second account of the user after the initial transaction has been processed, determining that the attribute changes to the first account or to the second account cause the second account to be more preferable than the first account, and automatically modifying the initial transaction to be based on the second account.Type: ApplicationFiled: April 11, 2018Publication date: May 5, 2022Inventors: Wayne Barakat, Vsevolod Goldyak, Kumaran Perumal, Steven E. Puffer, Thuang Huoi T. Spain
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Patent number: 11315137Abstract: Systems and methods for providing a rewards payment form linked directly to a rewards account are described. The rewards points may be spent directly by the customer through the use of the payment form linked to the rewards account. The payment form may be a payment card (e.g., a physical card having an account number accessible via a magstripe, an EMV chip, etc.) or a virtual payment card loaded into a mobile wallet accessible by the customer. The rewards payment form allows the customer to spend the rewards points stored in the rewards account without first going through the extra step of converting the rewards points into currency.Type: GrantFiled: January 12, 2018Date of Patent: April 26, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Ashish B. Kurani, Steven E. Puffer
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Patent number: 11295283Abstract: A method of performing a real-time non-inquiry electronic transaction is provided. The method includes receiving, by a paying bank computing system associated with a paying bank, a posting of a transaction from an account verification service, the transaction corresponding to a transfer of funds from the paying bank computing system to a depository computing system associated with a depository bank. The method further includes sending, by the paying bank computing system, an acknowledgement of the transaction to the account verification service, wherein the transaction is determined to be a non-inquiry transaction such that the transaction is posted at the depository bank computing system without performing an initial inquiry regarding the transaction at the account verification service.Type: GrantFiled: March 21, 2017Date of Patent: April 5, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Alan W. Hecht, Ann M. Kirk, Brian M. Pearce, Steven E. Puffer, Wairnola Marria Rhodriquez, Javier S. Silva
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Patent number: 11281765Abstract: A method of managing tokens is provided. The method includes receiving, by a token management system from a user device, a request from a user to register a token with the token management system. The token is associated with the user and is stored by an entity computing system associated with a first entity of a plurality of entities. Each of the plurality of entities is associated with an entity computing system that stores at least one token of a plurality of tokens that are each registered with the token management system and each associated with the user. The method further includes modifying, by the token management system, the token stored by the entity computing system associated with the first entity based on a token command from the user. The modification includes associating the token with a different entity of the plurality of entities relative to the first entity.Type: GrantFiled: December 20, 2019Date of Patent: March 22, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Azita Asefi, Jinee K. Ellis, Alan W. Hecht, Timothy R. Knowlton, Ashish B. Kurani, Steven E. Puffer, Young M. Yang
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Patent number: 11282051Abstract: A computer system and a transaction machine (such as an automated teller machine (ATM)) of the same financial institution, can provide a third party customer the ability to pay bills, issued by the third party, at the ATM. The third party computing system provides the third party customer a user interface to provide a user selected amount that the third party customer plans on depositing at the ATM. The ATM provides the third party customer a user interface to enter a passcode. The ATM provides the third party customer the ability to make a payment at the ATM. The ATM verifies that the payment matches the user selected amount, and sends a payment notification to the third party computing system.Type: GrantFiled: December 6, 2019Date of Patent: March 22, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Ashish B. Kurani, Steven E. Puffer, Justin C. Freeman, Alicia Y. Moore, Michael R. Thomas