Patents by Inventor Young M. Yang

Young M. Yang 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: 20240161160
    Abstract: Techniques described herein include providing payment and access infrastructure for an array of transportation services, such as a set of transit or mobility services that might be provided by one or more governments, public agencies, and/or other public entities. In one example, this disclosure describes a method that includes enabling, by a computing system, a user to register for mobility benefits using a verification system, wherein the mobility benefits are provided by a provider entity; receiving, by the computing system and from the verification system, information about the user; establishing, by the computing system, an account linked to the provider entity; detecting, by the computing system, a request to access mobility benefits; allocating, by the computing system, funds from the account to pay for the mobility benefits.
    Type: Application
    Filed: November 16, 2023
    Publication date: May 16, 2024
    Inventors: Anthony Adam Swider, III, Todd Thomas, William Bondar, Eric J. Miller, Robert Glenn Hamchuk, James D. Cahill, Benjamin Taylor, Young M Yang, Allison R. King
  • Patent number: 11900441
    Abstract: Systems, methods, and computer-readable storage media of protecting customer information. One method includes detecting a user device associated with a user has navigated to a page of an online store, inserting code comprising a first interactive element associated with a purchase option into the page prior to presenting the page on the user device, and receiving a pending purchase order. The method further includes transmitting a notification to a merchant system associated with the online store to reserve a good or service for a period of time, capturing, via an input circuit of the user device, user input of the user, and assigning a point value to the user input. The method further includes generating a recommendation to cancel, proceed, or modify the pending purchase order based on an evaluation of the point value, and providing, to the user device, the recommendation during the pendency of the period of time.
    Type: Grant
    Filed: March 11, 2022
    Date of Patent: February 13, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Albert Hwu, Chris Kalaboukis, Ashish B. Kurani, Kristine Ing Kushner, Nikolai Stroke, Raissa Williams, Young M. Yang
  • 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
  • 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: 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: 11769132
    Abstract: The current disclosure relates to systems, apparatuses, and methods of for performing an electronic transfer, including determining recipient information for the electronic transfer using a first user interface of the electronic banking platform, in response to determining the recipient information, two or more user interactive elements are displayed in a second user interface of the electronic banking platform, each of the two or more user interactive elements corresponds to a different one of a plurality of electronic P2P transfer platforms, receiving user input corresponding to a selected user interactive element of the two or more user interactive elements, the selected user interactive element corresponds to a selected electronic P2P transfer platform of the plurality of electronic P2P transfer platforms, and processing the electronic transfer using the electronic banking platform and the selected P2P transfer platform.
    Type: Grant
    Filed: May 22, 2019
    Date of Patent: September 26, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Philip Sprague, Young M. Yang
  • Publication number: 20230297998
    Abstract: Systems and methods for contactless transactions are described. A method includes transmitting, by a mobile device having a provider institution mobile application, a first data payload to a user-interactive device via a first short-range wireless communication, and launching the provider institution mobile application on the mobile device based on the first short-range wireless communication. The method further includes transmitting authentication information to the user-interactive device via a second short-range wireless communication, receiving a request for transaction information from the user-interactive device via the second short-range wireless communication, and transmitting transaction information to the user-interactive device via a third short-range wireless communication as part of the transaction.
    Type: Application
    Filed: May 30, 2023
    Publication date: September 21, 2023
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Young M. Yang, Kelly Q. Zeichick
  • Patent number: 11763337
    Abstract: A system for providing a third party engagement in a host property is provided. The system includes a user device structured to: provide an indication of an active user session associated with a host property, the host property communicatively coupled to a host property provider computing system; receive a third party engagement based on a trigger activated during the active user session, the trigger structured to generate the third party engagement; provide, via a graphical user interface comprising the host property, the third party engagement based on the trigger activated; and receive an indication of activation of the third party engagement.
    Type: Grant
    Filed: April 16, 2018
    Date of Patent: September 19, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Lila Fakhraie, Jennifer Greene, Christopher J. Hirth, Ashish B. Kurani, Andrea Renee Leighton, Margot Lockwood-Stein, Ronald H. Yang, 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: 20230289767
    Abstract: The current disclosure relates to systems, apparatuses, and methods of for performing an electronic transfer, including determining recipient information for the electronic transfer using a first user interface of the electronic banking platform, in response to determining the recipient information, two or more user interactive elements are displayed in a second user interface of the electronic banking platform, each of the two or more user interactive elements corresponds to a different one of a plurality of electronic P2P transfer platforms, receiving user input corresponding to a selected user interactive element of the two or more user interactive elements, the selected user interactive element corresponds to a selected electronic P2P transfer platform of the plurality of electronic P2P transfer platforms, and processing the electronic transfer using the electronic banking platform and the selected P2P transfer platform.
    Type: Application
    Filed: May 17, 2023
    Publication date: September 14, 2023
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Philip Sprague, Young M. Yang
  • Publication number: 20230274252
    Abstract: A computing system may include a network circuit configured to communicate with a third party computing device via a network, one or more interface elements (e.g., application programming interfaces and/or software development kits) providing account open functionality, and an account open circuit configured to: accept, via the interface elements, a set of user data and an account open request for opening a new account with the provider, where the set of user data is received from a user computing device of a user via a third party website or application; establish the new account by generating a set of account data associated with the new account without directing the user to the operating environment of a website or application of the provider; and transmit the set of account data to the third party computing device for use by the third party computing device in a transaction with the user.
    Type: Application
    Filed: May 3, 2023
    Publication date: August 31, 2023
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Jennifer J. Caceres, Lila Fakhraie, Jennifer Greene, Christopher J. Hirth, Ashish B. Kurani, Andrea Renee Leighton, Margot Lockwood-Stein, Kumaran Perumal, Benjamin Soccorsy, Ronald H. Yang, Young M. Yang
  • 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
  • Publication number: 20230274307
    Abstract: A method for providing a third party engagement in a host property application is provided. The method includes: receiving an indication of an authentication of a user from the host property application such that additional authentication information for a third party that provides a third party engagement specific to the user is not required; determining that the user device is at or near a location of the third party; receiving an indication of an active user session associated with the host property application while the user device is at or near the location of the third party; generating a third party engagement specific to the user and associated with the third party; and providing, via a graphical user interface presented by a display device, the third party engagement specific to the user during the same active user session.
    Type: Application
    Filed: May 2, 2023
    Publication date: August 31, 2023
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Lila Fakhraie, Jennifer Greene, Christopher J. Hirth, Ashish B. Kurani, Andrea Renee Leighton, Margot Lockwood-Stein, Ronald H. Yang, Young M. Yang
  • Patent number: 11715078
    Abstract: 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: Grant
    Filed: June 6, 2022
    Date of Patent: August 1, 2023
    Assignee: 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: 11699145
    Abstract: Systems and methods for contactless transactions are described. A method includes transmitting, by a mobile device having a provider institution mobile application, a first data payload to a user-interactive device via a first short-range wireless communication, and launching the provider institution mobile application on the mobile device based on the first short-range wireless communication. The method further includes transmitting authentication information to the user-interactive device via a second short-range wireless communication, receiving a request for transaction information from the user-interactive device via the second short-range wireless communication, and transmitting transaction information to the user-interactive device via a third short-range wireless communication as part of the transaction.
    Type: Grant
    Filed: February 21, 2022
    Date of Patent: July 11, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Young M. Yang, Kelly Q. Zeichick
  • Patent number: 11676126
    Abstract: A computing system may include a network circuit configured to communicate with a third party computing device via a network, one or more interface elements (e.g., application programming interfaces and/or software development kits) providing account open functionality, and an account open circuit configured to: accept, via the interface elements, a set of user data and an account open request for opening a new account with the provider, where the set of user data is received from a user computing device of a user via a third party website or application; establish the new account by generating a set of account data associated with the new account without directing the user to the operating environment of a website or application of the provider; and transmit the set of account data to the third party computing device for use by the third party computing device in a transaction with the user.
    Type: Grant
    Filed: May 7, 2019
    Date of Patent: June 13, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Jennifer J. Caceres, Lila Fakhraie, Jennifer Greene, Christopher J. Hirth, Ashish B. Kurani, Andrea Renee Leighton, Margot Lockwood-Stein, Kumaran Perumal, Benjamin Soccorsy, Ronald H. Yang, Young M. Yang
  • Patent number: 11470079
    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 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: Grant
    Filed: June 2, 2020
    Date of Patent: October 11, 2022
    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: 11354631
    Abstract: 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: Grant
    Filed: December 13, 2016
    Date of Patent: June 7, 2022
    Assignee: 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: 11354632
    Abstract: 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: Grant
    Filed: December 30, 2016
    Date of Patent: June 7, 2022
    Assignee: 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: 11281765
    Abstract: 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: Grant
    Filed: December 20, 2019
    Date of Patent: March 22, 2022
    Assignee: 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