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).

  • Publication number: 20240259363
    Abstract: 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: Application
    Filed: April 11, 2024
    Publication date: August 1, 2024
    Inventors: Harlan H. Bloom, Lizmari Brignoni, Mark David Castonguay, Lisa Munter Clarke, Upul D. Hanwella, Traci H. Nguyen, Erica Ulrich
  • Patent number: 11973747
    Abstract: 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: Grant
    Filed: May 12, 2023
    Date of Patent: April 30, 2024
    Assignee: 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
  • Patent number: 11848957
    Abstract: 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: Grant
    Filed: September 29, 2022
    Date of Patent: December 19, 2023
    Assignee: 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
  • Publication number: 20230283599
    Abstract: 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: Application
    Filed: May 12, 2023
    Publication date: September 7, 2023
    Inventors: Harlan H. Bloom, Lizmari Brignoni, Mark David Castonguay, Lisa Munter Clarke, Upul D. Hanwella, Traci H. Nguyen, Erica Ulrich
  • Patent number: 11677731
    Abstract: 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: Grant
    Filed: April 29, 2020
    Date of Patent: June 13, 2023
    Assignee: 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
  • Patent number: 11666829
    Abstract: 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: Grant
    Filed: December 14, 2020
    Date of Patent: June 6, 2023
    Assignee: 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
  • Patent number: 11503068
    Abstract: 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: Grant
    Filed: March 15, 2019
    Date of Patent: November 15, 2022
    Assignee: 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
  • Patent number: 11315088
    Abstract: 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: Grant
    Filed: November 27, 2018
    Date of Patent: April 26, 2022
    Assignee: 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
  • Publication number: 20210365922
    Abstract: 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: Application
    Filed: May 20, 2020
    Publication date: November 25, 2021
    Inventors: Harlan H. Bloom, Lizmari Brignoni, Mark David Castonguay, Lisa Munter Clarke, Upul D. Hanwella, Traci H. Nguyen, Erica Ulrich
  • Publication number: 20210344659
    Abstract: 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: Application
    Filed: April 29, 2020
    Publication date: November 4, 2021
    Inventors: Harlan H. Bloom, Lizmari Brignoni, Mark David Castonguay, Lisa Munter Clarke, Upul D. Hanwella, Traci H. Nguyen, Erica Ulrich
  • Publication number: 20210297406
    Abstract: 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: Application
    Filed: October 4, 2016
    Publication date: September 23, 2021
    Inventors: Edward J. Landers, Abhijit Rao, Byron G. Chun, Samuel B. Martin, Michael H. Chang, Traci H. Nguyen, Douglas S. Pelton
  • Patent number: 11071910
    Abstract: 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: Grant
    Filed: July 18, 2019
    Date of Patent: July 27, 2021
    Assignee: 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
  • Patent number: 10929923
    Abstract: 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: Grant
    Filed: July 9, 2015
    Date of Patent: February 23, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Traci H. Nguyen, Michael Chang, Nairobi N. Kim, Ian Jensen, Samuel Martin, Cheung Li
  • Patent number: 10864444
    Abstract: 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: Grant
    Filed: August 30, 2016
    Date of Patent: December 15, 2020
    Assignee: 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
  • Patent number: 10357713
    Abstract: 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: Grant
    Filed: August 5, 2016
    Date of Patent: July 23, 2019
    Assignee: 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
  • Patent number: 10284573
    Abstract: 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: Grant
    Filed: April 23, 2015
    Date of Patent: May 7, 2019
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Traci H. Nguyen, Michael Chang, Nairobi N. Kim, Ian Jensen, Samuel Martin, Cheung Li
  • Patent number: 10237298
    Abstract: 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: Grant
    Filed: April 23, 2015
    Date of Patent: March 19, 2019
    Assignee: 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