Patents by Inventor Traci H. Nguyen
Traci H. Nguyen 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: 20240259363Abstract: Systems and techniques for an system are described herein. In an example, an adaptive authentication system is adapted to receive a request at a first entity from a second entity for secure data of a user, where the second entity is remote from the first entity. The adaptive authentication system may be further adapted to transmit a prompt to a user device associated with the user for authentication of the user and authentication of the request. The adaptive authentication system may be further adapted to receive a response to the prompt and authenticate the user and the request based on the response. The adaptive authentication system may be further adapted to transmit the secure data of the user to the second entity.Type: ApplicationFiled: April 11, 2024Publication date: August 1, 2024Inventors: Harlan H. Bloom, Lizmari Brignoni, Mark David Castonguay, Lisa Munter Clarke, Upul D. Hanwella, Traci H. Nguyen, Erica Ulrich
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Patent number: 11973747Abstract: Systems and techniques for an adaptive authentication system are described herein. In an example, an adaptive authentication system is adapted to receive a request at a first entity from a second entity for secure data of a user, where the second entity is remote from the first entity. The adaptive authentication system may be further adapted to transmit a prompt to a user device associated with the user for authentication of the user and authentication of the request. The adaptive authentication system may be further adapted to receive a response to the prompt and authenticate the user and the request based on the response. The adaptive authentication system may be further adapted to transmit the secure data of the user to the second entity.Type: GrantFiled: May 12, 2023Date of Patent: April 30, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Harlan H. Bloom, Lizmari Brignoni, Mark David Castonguay, Lisa Munter Clarke, Upul D. Hanwella, Traci H. Nguyen, Erica Ulrich
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Patent number: 11848957Abstract: One or more embodiments of techniques or systems for session management, security scoring, and friction management are provided herein. Sessions may be monitored for commonalities or other attributes or aspects and closed, terminated, or a freeze placed on additional sessions from being initiated. A security score may be provided which is indicative of how secure a user is with respect to one or more ways the user interacts with a resource. One or more suggested actions or score improvement strategies may be suggested to facilitate improvement of a security score for a user. Friction management may be provided by having one or more additional layers of security applied to an account of a user or an entity based on suspicious behavior or other factors.Type: GrantFiled: September 29, 2022Date of Patent: December 19, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Traci H. Nguyen, Nairobi N. Kim, Ian Jensen, Upul Hanwella, Brian J. Hanafee, Christopher Wayne Howser, Ajay Panikkar, Michael Chang
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Publication number: 20230283599Abstract: Systems and techniques for an adaptive authentication system are described herein. In an example, an adaptive authentication system is adapted to receive a request at a first entity from a second entity for secure data of a user, where the second entity is remote from the first entity. The adaptive authentication system may be further adapted to transmit a prompt to a user device associated with the user for authentication of the user and authentication of the request. The adaptive authentication system may be further adapted to receive a response to the prompt and authenticate the user and the request based on the response. The adaptive authentication system may be further adapted to transmit the secure data of the user to the second entity.Type: ApplicationFiled: May 12, 2023Publication date: September 7, 2023Inventors: Harlan H. Bloom, Lizmari Brignoni, Mark David Castonguay, Lisa Munter Clarke, Upul D. Hanwella, Traci H. Nguyen, Erica Ulrich
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Patent number: 11677731Abstract: Systems and techniques for an adaptive authentication system are described herein. In an example, an adaptive authentication system is adapted to receive a request at a first entity from a second entity for secure data of a user, where the second entity is remote from the first entity. The adaptive authentication system may be further adapted to transmit a prompt to a user device associated with the user for authentication of the user and authentication of the request. The adaptive authentication system may be further adapted to receive a response to the prompt and authenticate the user and the request based on the response. The adaptive authentication system may be further adapted to transmit the secure data of the user to the second entity.Type: GrantFiled: April 29, 2020Date of Patent: June 13, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Harlan H. Bloom, Lizmari Brignoni, Mark David Castonguay, Lisa Munter Clarke, Upul D. Hanwella, Traci H. Nguyen, Erica Ulrich
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Patent number: 11666829Abstract: A system includes at least one hardware processor in communication with a gaming device and a memory storing instructions that, when executed by the at least one hardware processor, cause the at least one hardware processor to perform operations including receiving suspect gaming behavior data associated with a suspect user playing a computer game on the gaming device, comparing the suspect gaming behavior data to a user gaming behavior profile associated with another user, the user gaming behavior profile includes at least one component of behavior associated with the other user and the computer game representing a pattern of conduct of the other user, and based on the comparing, authenticating the suspect user for access to a target system as the other user.Type: GrantFiled: December 14, 2020Date of Patent: June 6, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Abhijit Rao, Edward J. Landers, Byron G. Chun, Samuel B. Martin, Michael H. Chang, Traci H. Nguyen, Douglas S. Pelton
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Patent number: 11503068Abstract: One or more embodiments of techniques or systems for session management, security scoring, and friction management are provided herein. Sessions may be monitored for commonalities or other attributes or aspects and closed, terminated, or a freeze placed on additional sessions from being initiated. A security score may be provided which is indicative of how secure a user is with respect to one or more ways the user interacts with a resource. One or more suggested actions or score improvement strategies may be suggested to facilitate improvement of a security score for a user. Friction management may be provided by having one or more additional layers of security applied to an account of a user or an entity based on suspicious behavior or other factors.Type: GrantFiled: March 15, 2019Date of Patent: November 15, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Traci H. Nguyen, Nairobi N. Kim, Ian Jensen, Upul Hanwella, Brian J. Hanafee, Christopher Wayne Howser, Ajay Panikkar, Michael Chang
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Patent number: 11315088Abstract: A method may include collecting, in a data store, a plurality of signals associated with a user and a geographic area; calculating, using at least one processor, a satisfaction score for the user with respect to the geographic area based on the plurality of signals; querying the data store to retrieve a set of entities associated with the geographic area; generating, using the at least one processor, a respective credit allocation amount for each of the set of entities based on the satisfaction score and a user-specified allocation modality; and initiating a transfer from a user account to a set of receiver accounts according to the respective generated credit allocation amounts.Type: GrantFiled: November 27, 2018Date of Patent: April 26, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Jannette Marie McCully, Michael H. Chang, Russell Sage Hamilton, Gerardo Costilla, Darius A. Miranda, Muhammad Farukh Munir, Traci H. Nguyen
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Publication number: 20210365922Abstract: Systems and techniques for a device controls system are described herein. In an example, a device control system for managing access to personal account data is adapted to receive, from a user device, a set of personalized transaction rules for an account of a user. Each personalized transaction rule may indicate a set of transactional parameters for permitting transactions with a service. The system may be further adapted to receive a transaction request from the service. The transaction request may include contextual data related to the transaction request. The system may be further adapted to determine that the contextual data meets the respective transactional parameters of a personalized transaction rule of the set of personalized transaction rules. The system may be further adapted to transmit, to the service, an indication of permission for the transaction request.Type: ApplicationFiled: May 20, 2020Publication date: November 25, 2021Inventors: Harlan H. Bloom, Lizmari Brignoni, Mark David Castonguay, Lisa Munter Clarke, Upul D. Hanwella, Traci H. Nguyen, Erica Ulrich
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Publication number: 20210344659Abstract: Systems and techniques for an adaptive authentication system are described herein. In an example, an adaptive authentication system is adapted to receive a request at a first entity from a second entity for secure data of a user, where the second entity is remote from the first entity. The adaptive authentication system may be further adapted to transmit a prompt to a user device associated with the user for authentication of the user and authentication of the request. The adaptive authentication system may be further adapted to receive a response to the prompt and authenticate the user and the request based on the response. The adaptive authentication system may be further adapted to transmit the secure data of the user to the second entity.Type: ApplicationFiled: April 29, 2020Publication date: November 4, 2021Inventors: Harlan H. Bloom, Lizmari Brignoni, Mark David Castonguay, Lisa Munter Clarke, Upul D. Hanwella, Traci H. Nguyen, Erica Ulrich
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Publication number: 20210297406Abstract: A system includes at least one hardware processor in communication with a first computing device of a suspect party and a second computing device of an inquiring party, the suspect party being targeted for trust evaluation by the inquiring party, and a memory storing instructions that, when executed by the at least one hardware processor, cause the at least one hardware processor to perform operations. The operations include receiving, from the second computing device, a request to perform a trust evaluation of the suspect party, the request including a permission token, identifying the suspect party based on the permission token, generating a trust result for the suspect party based on financial data associated with the suspect party, the trust result indicating an assessed level of trustworthiness of the suspect party, and transmitting the trust result to the second computing device for display to the inquiring party.Type: ApplicationFiled: October 4, 2016Publication date: September 23, 2021Inventors: Edward J. Landers, Abhijit Rao, Byron G. Chun, Samuel B. Martin, Michael H. Chang, Traci H. Nguyen, Douglas S. Pelton
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Patent number: 11071910Abstract: A system includes at least one hardware processor in communication with a user computing device associated with a user and a memory storing instructions. When executed by the at least one hardware processor, the instructions cause the at least one hardware processor to perform operations including receiving gaming behavior data associated with the user playing a computer game on the user computing device, the gaming behavior data includes one or more of session-based behavior data, game-selection behavior data, and ancillary gaming behavior data, determining a first trait of the user based on the gaming behavior data, and automatically computing a financial risk factor associated with the user based on the determined first trait.Type: GrantFiled: July 18, 2019Date of Patent: July 27, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Edward J. Landers, Byron G. Chun, Samuel B. Martin, Michael H. Chang, Abhijit Rao, Traci H. Nguyen, Douglas S. Pelton
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Patent number: 10929923Abstract: Session management, security scoring, and friction management are provided herein. Sessions may be monitored for commonalities or other attributes or aspects and closed, terminated, or a freeze placed on additional sessions from being initiated. A security score may be provided which is indicative of how secure a user is with respect to one or more ways the user interacts with a resource. One or more suggested actions or score improvement strategies may be suggested to facilitate improvement of a security score for a user. The security score may be used to affect business decisions made by an institution or financial entity.Type: GrantFiled: July 9, 2015Date of Patent: February 23, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Traci H. Nguyen, Michael Chang, Nairobi N. Kim, Ian Jensen, Samuel Martin, Cheung Li
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Patent number: 10864444Abstract: A system includes at least one hardware processor in communication with a gaming device and a memory storing instructions that, when executed by the at least one hardware processor, cause the at least one hardware processor to perform operations including receiving suspect gaming behavior data associated with a suspect user playing a computer game on the gaming device, comparing the suspect gaming behavior data to a user gaming behavior profile associated with another user, the user gaming behavior profile includes at least one component of behavior associated with the other user and the computer game representing a pattern of conduct of the other user, and based on the comparing, authenticating the suspect user for access to a target system as the other user.Type: GrantFiled: August 30, 2016Date of Patent: December 15, 2020Assignee: Wells Fargo Bank, N.A.Inventors: Abhijit Rao, Edward J. Landers, Byron G. Chun, Samuel B. Martin, Michael H. Chang, Traci H. Nguyen, Douglas S. Pelton
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Patent number: 10357713Abstract: A system includes at least one hardware processor in communication with a user computing device associated with a user and a memory storing instructions. When executed by the at least one hardware processor, the instructions cause the at least one hardware processor to perform operations including receiving gaming behavior data associated with the user playing a computer game on the user computing device, the gaming behavior data includes one or more of session-based behavior data, game-selection behavior data, and ancillary gaming behavior data, determining a first trait of the user based on the gaming behavior data, and automatically computing a financial risk factor associated with the user based on the determined first trait.Type: GrantFiled: August 5, 2016Date of Patent: July 23, 2019Assignee: Wells Fargo Bank, N.A.Inventors: Edward J. Landers, Byron G. Chun, Samuel B. Martin, Michael H. Chang, Abhijit Rao, Traci H. Nguyen, Douglas S. Pelton
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Patent number: 10284573Abstract: One or more embodiments of techniques or systems for session management, security scoring, and friction management are provided herein. Sessions may be monitored for commonalties or other attributes or aspects and closed, terminated, or a freeze placed on additional sessions from being initiated. A security score may be provided which is indicative of how secure a user is with respect to one or more ways the user interacts with a resource. One or more suggested actions or score improvement strategies may be suggested to facilitate improvement of a security score for a user. Friction management may be provided by having one or more additional layers of security applied to an account of a user or an entity based on suspicious behavior or other factors.Type: GrantFiled: April 23, 2015Date of Patent: May 7, 2019Assignee: Wells Fargo Bank, N.A.Inventors: Traci H. Nguyen, Michael Chang, Nairobi N. Kim, Ian Jensen, Samuel Martin, Cheung Li
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Patent number: 10237298Abstract: One or more embodiments of techniques or systems for session management, security scoring, and friction management are provided herein. Sessions may be monitored for commonalities or other attributes or aspects and closed, terminated, or a freeze placed on additional sessions from being initiated. A security score may be provided which is indicative of how secure a user is with respect to one or more ways the user interacts with a resource. One or more suggested actions or score improvement strategies may be suggested to facilitate improvement of a security score for a user. Friction management may be provided by having one or more additional layers of security applied to an account of a user or an entity based on suspicious behavior or other factors.Type: GrantFiled: April 23, 2015Date of Patent: March 19, 2019Assignee: Wells Fargo Bank, N.A.Inventors: Traci H. Nguyen, Nairobi N. Kim, Ian Jensen, Upul Hanwella, Brian J. Hanafee, Christopher Wayne Howser, Ajay Panikkar, Michael Chang