Patents by Inventor Tiffany N. Twilley

Tiffany N. Twilley 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: 20240144283
    Abstract: A financial institution computing system includes a network circuit exchanging information over a network, a customer database storing financial information, and a transaction circuit. The transaction circuit receives a transaction request associated with a user computing device. The transaction request specifies a financial account. The transaction circuit receives payment card location information indicative of a location of a payment card with respect to the user computing device. The payment card location information indicates that the payment card is within a threshold distance of the user computing device. The transaction circuit authenticates the transaction request using the payment card location information and by determining whether the payment card is associated with an authorized user of the financial account.
    Type: Application
    Filed: January 8, 2024
    Publication date: May 2, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Tiffany N. Twilley, Michael Tilaro, Jonathan E. Hoveland, Sara V. Althoff, Jay M. Bozicevich
  • Patent number: 11869010
    Abstract: A financial institution computing system includes a network circuit exchanging information over a network, a customer database storing financial information, and a transaction circuit. The transaction circuit receives a transaction request associated with a user computing device. The transaction request specifies a financial account. The transaction circuit receives payment card location information indicative of a location of a payment card with respect to the user computing device. The payment card location information indicates that the payment card is within a threshold distance of the user computing device. The transaction circuit authenticates the transaction request using the payment card location information and by determining whether the payment card is associated with an authorized user of the financial account.
    Type: Grant
    Filed: December 12, 2022
    Date of Patent: January 9, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Tiffany N. Twilley, Michael Tilaro, Jonathan E. Hoveland, Sara V. Althoff, Jay M. Bozicevich
  • Patent number: 11526890
    Abstract: A financial institution computing system includes a network circuit exchanging information over a network, a customer database storing financial information, and a transaction circuit. The transaction circuit receives a transaction request associated with a user computing device. The transaction request specifies a financial account. The transaction circuit receives payment card location information indicative of a location of a payment card with respect to the user computing device. The payment card location information indicates that the payment card is within a threshold distance of the user computing device. The transaction circuit authenticates the transaction request using the payment card location information and by determining whether the payment card is associated with an authorized user of the financial account.
    Type: Grant
    Filed: April 1, 2021
    Date of Patent: December 13, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Tiffany N. Twilley, Michael Tilaro, Jonathan E. Hoveland, Sara V. Althoff, Jay M. Bozicevich
  • Patent number: 11004074
    Abstract: A payment device includes a biometric sensor configured to receive a biometric measurement from a user. The payment device also includes a display configured to selectively display sensitive payment account information for a payment account of the user. The payment account is associated with the payment device. The payment device further includes a processor and instructions stored in non-transitory machine-readable media. The instructions are configured to cause the payment device to receive the biometric measurement from the biometric sensor. The user is authenticated if the biometric measurement matches a stored biometric of the user. Upon authenticating the user, the sensitive payment account information is displayed on the display. The sensitive payment account information is removed from the display a first predetermined time period after authenticating the user.
    Type: Grant
    Filed: November 24, 2015
    Date of Patent: May 11, 2021
    Assignee: Wells Fargo Bank. N.A.
    Inventors: Sarah Hiccox, Marcia N. Kurtz, Chelsea K. McDermott, Jenny Y. Tao, Tiffany N. Twilley, Michael Tilaro, Jonathan E. Hoveland, Jay M. Bozicevich
  • Patent number: 10977652
    Abstract: A financial institution computing system includes a network circuit exchanging information over a network, a customer database storing financial information, and a transaction circuit. The transaction circuit receives a transaction request associated with a user computing device. The transaction request specifies a financial account. The transaction circuit receives payment card location information indicative of a location of a payment card with respect to the user computing device. The payment card location information indicates that the payment card is within a threshold distance of the user computing device. The transaction circuit authenticates the transaction request using the payment card location information and by determining whether the payment card is associated with an authorized user of the financial account.
    Type: Grant
    Filed: February 2, 2016
    Date of Patent: April 13, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Tiffany N. Twilley, Michael Tilaro, Jonathan E. Hoveland, Sara V. Althoff, Jay M. Bozicevich