Wells Fargo Bank, N.A. patent applications on December 12th, 2024
Patent Applications by Wells Fargo Bank, N.A. on December 12th, 2024
Wells Fargo Bank, N.A.: 22 patent applications
Wells Fargo Bank, N.A. has applied for patents in the areas of H04L9/40 (4), G06Q20/22 (3), G06Q20/38 (3), H04L9/32 (2), G06F16/958 (2) G06Q40/03 (2), G06F3/04817 (1), G06Q20/0658 (1), H04L9/3218 (1), H04L9/0869 (1)
With keywords such as: data, user, based, customer, computing, account, generating, information, via, and further in patent application abstracts.
Patent Applications by Wells Fargo Bank, N.A.
Inventor(s): Lila Fakhraie of Belmont CA (US) for wells fargo bank, n.a., Brian M. Pearce of Pleasanton CA (US) for wells fargo bank, n.a., Steven Pulido of San Francisco CA (US) for wells fargo bank, n.a., Benjamin Soccorsy of Larkspur CA (US) for wells fargo bank, n.a., James Stahley of San Francisco CA (US) for wells fargo bank, n.a., Mojdeh Tomsich of San Francisco CA (US) for wells fargo bank, n.a.
IPC Code(s): G06F3/04817, G06F3/0482, G06F3/0484, G06F9/54, G06F16/215, G06F21/62, G06Q20/36, G06Q40/02, H04L9/40
CPC Code(s): G06F3/04817
Abstract: systems, methods, and apparatuses for providing a user a central location to manage permissions provided to third-parties and devices to access and use user data maintained by a financial institution are described. the central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information. a user additionally is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal. restrictions on how user data is used by devices, applications, and third-party systems can be imposed via a central portal.
Inventor(s): John Bruno of Scottsdale AZ (US) for wells fargo bank, n.a., Sean Edward Falese of Jenkintown PA (US) for wells fargo bank, n.a., Arnaud Versini of Charlotte NC (US) for wells fargo bank, n.a.
IPC Code(s): G06F8/20, G06F16/958
CPC Code(s): G06F8/20
Abstract: a system including at least one processor and non-transitory computer-readable storage storing instructions that, when executed by the at least one processor, cause the system to: generate a context configuration module programmed to compose a user experience based on a user context and a registry of micro front-ends; and generate a rendering module programmed to render one or more micro front-ends from the registry of micro front-ends into a framework to deliver the user experience.
20240411569. HUB FOR MICRO FRONT-END SERVICES_simplified_abstract_(wells fargo bank, n.a.)
Inventor(s): John Bruno of Scottsdale AZ (US) for wells fargo bank, n.a., Sean Edward Falese of Jenkintown PA (US) for wells fargo bank, n.a., Arnaud Versini of Charlotte NC (US) for wells fargo bank, n.a.
IPC Code(s): G06F9/451, G06F16/957, G06F16/958
CPC Code(s): G06F9/451
Abstract: an example hub and registry module can be programmed to determine if a plurality of micro front-ends is conformant with one or more experience rules, register one or more of the plurality of micro front-ends in response to determining that the one or more micro front-ends are conformant with the one or more experience rules, compose one or more micro front-ends into an experience for a user, and monitor performance of the one or more micro front-ends within the experience.
Inventor(s): Azita Asefi of Vacaville CA (US) for wells fargo bank, n.a., Preet Pratik Panda of Concord NC (US) for wells fargo bank, n.a.
IPC Code(s): G06F9/48, G06F21/57
CPC Code(s): G06F9/4881
Abstract: a computer system for a change management intelligent reconciliation platform configured to support the change management process. the computer system includes a task mining agent, an intelligence reconnaissance service, an insight service, and a notification service. the task mining agent is programmed to passively log user actions related to a change request. the intelligence reconnaissance service filters the logged actions and identifies patterns and anomalies in user behavior. the insight service analyzes the differences between the filtered actions and one or more prescribed actions related to the change request, and generates one or more reconciliation insights based on the results of the analysis. the notification service generates one or more notifications regarding the generated reconciliation insights to provides valuable insights into user behavior data and to aid in identifying potential risks or issues during the change implementation process.
Inventor(s): Shobha Duggirala of San Francisco CA (US) for wells fargo bank, n.a., Ashish B. Kurani of Hillsborough CA (US) for wells fargo bank, n.a., Amruth Kumar of San Francisco CA (US) for wells fargo bank, n.a., Antonio Iniguez of San Francisco CA (US) for wells fargo bank, n.a., Nick Heim of San Francisco CA (US) for wells fargo bank, n.a., Justin Robert Wolf of San Francisco CA (US) for wells fargo bank, n.a.
IPC Code(s): G06F16/2453
CPC Code(s): G06F16/24542
Abstract: at least one aspect of this disclosure is directed to method of scraping, by a first computing system, one or more first data sources of the first computing system, and one or more second data sources of one or more external computing systems, to compile a first dataset, standardizing, by the first computing system, the first dataset to generate a standardized dataset, applying, by the first computing system, a first artificial intelligence (ai) algorithm to assign labels to data entries of the standardized dataset, compiling, by the first computing system, the standardized dataset having the labels assigned to the respective data entries in a database, receiving, by an ai interface of the first computing system, a query from a computing device, and generating, by the first computing system, a response to the query for delivering via the ai interface to the computing device.
Inventor(s): Ronald T. Blum of Des Moines IA (US) for wells fargo bank, n.a., Thanigaivasan Chinnasamy of Charlotte NC (US) for wells fargo bank, n.a., Prashanth Sravan Kumar Erpula of Hyderabad (IN) for wells fargo bank, n.a., Ashish Chauhan of Hyderabad (IN) for wells fargo bank, n.a., Cory Patrick of Chandler AZ (US) for wells fargo bank, n.a., Parijat Mukherjee of Hyderabad (IN) for wells fargo bank, n.a., Troy Wise of Charlotte NC (US) for wells fargo bank, n.a.
IPC Code(s): G06F16/2455, G06Q20/38
CPC Code(s): G06F16/24564
Abstract: methods and systems disclosed herein relate to preventing transmission of invalid or non-compliant transaction data to other entities. a data-furnishing application accesses first transaction data associated with a first account of a first user. the data-furnishing application applies a plurality of data-processing rules to the first transaction data to determine whether the first transaction data is to be suppressed or furnished to another entity. the data-furnishing application determines, based on outputs generated by applying the plurality of data-processing rules, that the first transaction data violates a first condition associated with a first data-processing rule of the third rule category while satisfying a second condition associated with a second data-processing rule of the second rule category. the data-furnishing application generates a first report that excludes the first transaction data in response to determining that the first transaction data violates the first condition.
Inventor(s): Naveen Gururaja Yeri of Bangalore (IN) for wells fargo bank, n.a.
IPC Code(s): G06F18/2413, G06F18/23
CPC Code(s): G06F18/24137
Abstract: systems, apparatuses, methods, and computer program products are disclosed for generating a predicted effect for a target cluster in response to a synthetic stimulus. an example method includes receiving a synthetic behavior prediction request and generating a plurality of clusters, wherein each cluster is associated with a corresponding centroid position. the method further includes selecting the target cluster from the plurality of clusters and generating the predicted effect for the target cluster in response to the synthetic stimulus based on the centroid position corresponding to the target cluster. the method further includes providing a predicted effect notification.
Inventor(s): Peter Bordow of Fountain Hills AZ (US) for wells fargo bank, n.a.
IPC Code(s): G06F21/45, G06F3/04847, G06F21/32, H04L9/40, H04W12/06
CPC Code(s): G06F21/45
Abstract: disclosed are example methods, systems, and devices that allow for generation and maintenance of a central identity databank for a user's digital life. the identity databank may include identity elements with payload values and metadata values corresponding immutable attributes of the user. a multifactor identity authentication protocol allows service provider devices to more reliably validate transactions with user devices via an identity system. the identity databank may include passwords, which may be generated by the identity system linked to user accounts and/or service providers. the passwords may be provided to service provider devices, eliminating the need for users to conceive of a multitude of varying passwords for the user's accounts.
Inventor(s): Ramanathan Ramanathan of Bellevue WA (US) for wells fargo bank, n.a., Andrew J. Garner, IV of State Road NC (US) for wells fargo bank, n.a., Abhijit Rao of Irvine CA (US) for wells fargo bank, n.a., Pierre Arbajian of Matthews NC (US) for wells fargo bank, n.a., Michael Erik Meinholz of Charlotte NC (US) for wells fargo bank, n.a., Omar B. Khan of Richmond VA (US) for wells fargo bank, n.a., Ramesh Yarlagadda of Charlotte NC (US) for wells fargo bank, n.a.
IPC Code(s): G06F21/55, G06N10/00, H04L9/08, H04L9/30
CPC Code(s): G06F21/554
Abstract: systems, methods, and computer program products are provided for disparate quantum computing (qc) detection. an example system includes qc detection data generation circuitry configured to generate a set of qc detection data. the example system further includes cryptographic circuitry configured to distort the set of qc detection data via a first pqc cryptographic technique, generate a pair of asymmetric cryptographic keys comprising a public cryptographic key and a private cryptographic key via a second pqc cryptographic technique, generate encrypted qc detection data from the distorted set of qc detection data based on the pair of asymmetric cryptographic keys, and destroy the private cryptographic key. the example system further includes data monitoring circuitry configured to monitor a set of data environments for electronic information related to the encrypted qc detection data.
Inventor(s): Naveen Gururaja Yeri of Bangalore (IN) for wells fargo bank, n.a.
IPC Code(s): G06N5/022
CPC Code(s): G06N5/022
Abstract: systems, apparatuses, methods, and computer program products are disclosed for generating a predicted effect for a target user or a target cluster in response to a synthetic stimulus. an example method includes receiving a synthetic behavior prediction request and determining a cluster for a target user. the method further includes identifying a digital twin for a target user and generating a predicted effect for the target user in response to the synthetic stimulus and based on an inferred effect or predicted effect associated with the digital twin. the method further includes providing a predicted effect notification which includes the predicted effect generated for the target user.
Inventor(s): Ashish B. Kurani of Hillsborough CA (US) for wells fargo bank, n.a., Michael Knorr of Fairfield CT (US) for wells fargo bank, n.a., Erik F. Nelson of San Francisco CA (US) for wells fargo bank, n.a., Matthew Mullin Shepherd of Charlotte NC (US) for wells fargo bank, n.a., Laura Marie Fontana of San Francisco CA (US) for wells fargo bank, n.a.
IPC Code(s): G06Q20/06, G06Q20/22, G06Q20/38
CPC Code(s): G06Q20/0655
Abstract: systems, methods, and computer-readable storage media of exchanging digital assets using a public key cryptography framework. one method includes encrypting at least one digital asset on an internal ledger and storing the encrypted at least one digital asset on an internal ledger. the method further includes receiving a signed exchange request signed by a first key corresponding with an encrypted digital asset on the internal ledger and providing, to an inter-provider ledger, a second key based on interfacing with the inter-provider ledger based on establishing a first data feed. the method further includes determining the signed exchange request was verified. the method further includes updating a central ledger by interfacing with of the central ledger via an application programming interface (api) based on establishing a second data feed and wherein at least one of a plurality of fields of the encrypted digital asset is a universal field.
Inventor(s): Ashish B. Kurani of Hillsborough CA (US) for wells fargo bank, n.a.
IPC Code(s): G06Q20/06, G06Q20/20, G06Q20/22, G06Q20/24
CPC Code(s): G06Q20/0658
Abstract: systems, methods, and computer-readable storage media utilized for processing open loop math based currency (“mbc”) credit card transactions at a financial institution. one method includes receiving, via an open loop processing network, a request for an mbc transaction and generating a first code uniquely identifying the mbc transaction. the method further includes transmitting, via the open loop processing network, the first code to the customer computer device and receiving, from an acquirer/processor computer system via the open loop processing network, a second code including the first code and a public and private key pair. the method further includes determining that the public key is registered and updating a first entry of an overlay ledger and a second entry of the overlay ledger. the method further includes transmitting, via the open loop processing network, a credit guarantee and transmitting, via the open loop processing network, a receipt of the mbc transaction.
Inventor(s): Jeffrey Taylor Kell of San Francisco CA (US) for wells fargo bank, n.a.
IPC Code(s): G06Q20/10, G06F16/2455
CPC Code(s): G06Q20/10
Abstract: computer-implemented methods, systems, apparatuses, and computer program products are disclosed for financial transactions. an example method includes generating a user interface for presentation to a first user associated with a first user account and accessing first user financial data associated with the first user and the first user account. the method further includes generating one or more interrogatory objects requesting responsive inputs from the first user based upon the first user financial data and presenting the one or interrogatory objects to the first user in the user interface. the method also includes arranging a financial transaction based upon the first user financial data and one or more responsive inputs by the first user to the interrogatory objects. in response to authorization by the first user, the method further includes executing the financial transaction within the user interface.
Inventor(s): Peter Ho of Walnut Creek CA (US) for wells fargo bank, n.a., Ashish B. Kurani of Hillsborough CA (US) for wells fargo bank, n.a., Brian M. Pearce of Pleasanton CA (US) for wells fargo bank, n.a., Steven E. Puffer of Champlin MN (US) for wells fargo bank, n.a.
IPC Code(s): G06Q20/36, G06Q20/10, G06Q20/22, G06Q20/24, G06Q20/26, G06Q20/32, G06Q20/38, G06Q20/40
CPC Code(s): G06Q20/3672
Abstract: a method for initiating a provisioning of a payment account to a mobile wallet includes generating, by a provider computing system on an initiating device, a user interface configured to initiate the provisioning of one or more payment accounts; receiving, by the provider computing system via the user interface, authentication information, wherein the authentication information authenticates a user associated with the mobile wallet; retrieving, by the provider computing system and based on the authentication information, account information associated with the user regarding one or more eligible payment accounts for provisioning; displaying, by the provider computing system via the user interface, a list of the one or more eligible payment accounts provisioning; and receiving, by the provider computing system via the user interface, a selection of the payment account from the list for provisioning to the mobile wallet.
Inventor(s): Abhishek Kumar of Bangalore (IN) for wells fargo bank, n.a., Naveen Gururaja Yeri of Bangalore (IN) for wells fargo bank, n.a., Dipanjan Deb of Bangalore (IN) for wells fargo bank, n.a., Amit Agarwal of Bangalore (IN) for wells fargo bank, n.a., Mayank Kumari of Bangalore (IN) for wells fargo bank, n.a.
IPC Code(s): G06Q30/0201, G06F18/2431, G06N20/00
CPC Code(s): G06Q30/0201
Abstract: techniques are described for personalizing customer interactions using one or more machine learning models for customer communications. for example, a computing system includes a memory and one or more processors in communication with the memory. the one or more processors are configured to: retrieve, from a database in memory, one or more sets of emotion factor values for communication data associated with a customer over time; classify, using an emotion propensity model running on the one or more processors, the customer into an emotional profile according to the customer's typical emotional response during customer communications based on the one or more sets of emotion factor values for the communication data associated with the customer over time; and determine a probability that the customer will respond positively to a particular type of customer engagement based on the emotional profile for the customer.
Inventor(s): Krista L. Donels of San Francisco CA (US) for wells fargo bank, n.a., Jennifer Miller of San Francisco CA (US) for wells fargo bank, n.a., David Patron of San Francisco CA (US) for wells fargo bank, n.a., Matthew S. Rogers of Hoboken NJ (US) for wells fargo bank, n.a.
IPC Code(s): G06Q30/0207
CPC Code(s): G06Q30/0215
Abstract: systems, methods, and apparatuses for aggregating merchant offers include a network interface structured to facilitate data communication via a network, an accounts database structured to store account information associated with accounts held by the provider, including a payment account associated with a customer, and a processing circuit comprising a processor and memory. the processing circuit is structured to receive a pre-filtered offer from an offer vendor, aggregate the pre-filtered offer with other received pre-filtered offers from multiple offer vendors to create an aggregated offer list, filter the aggregated offer list based on the account information for the customer to create a filtered offer list, generate a prioritized offer list based on the account information for the customer, and transmit the prioritized offer list to a customer device of the customer.
20240412283. ANALYSIS OF ENERGY RESERVES_simplified_abstract_(wells fargo bank, n.a.)
Inventor(s): John Melton of Tomball TX (US) for wells fargo bank, n.a., Greg Daniel Cooper of Charlotte NC (US) for wells fargo bank, n.a., Zeeshan Niazi of Tracy CA (US) for wells fargo bank, n.a., Vasudha Alladi of Fremont CA (US) for wells fargo bank, n.a., John L. Schweer, III of San Francisco CA (US) for wells fargo bank, n.a., Carla E. Truluck of Charlotte NC (US) for wells fargo bank, n.a., Yi Wang of San Ramon CA (US) for wells fargo bank, n.a., Mrinal K. Samanta of Charlotte NC (US) for wells fargo bank, n.a., Daniel A. Ramos of Coppell TX (US) for wells fargo bank, n.a., Miguel Martinez of San Francisco CA (US) for wells fargo bank, n.a.
IPC Code(s): G06Q40/02, G06F17/18, G06Q40/06, G06Q50/02, G06Q50/06
CPC Code(s): G06Q40/03
Abstract: this disclosure describes techniques applied in an engineering analysis of energy asset information. in one example, this disclosure describes a method that includes collecting energy asset data maintained by a borrower; receiving information about a first set of parameters for use in evaluating the energy asset data maintained by the borrower; generating, based on the energy asset data and the first set of parameters, cash flow data for the borrower; calculating, based on the cash flow data, borrowing base data for the borrower; receiving information about a second set of parameters; generating, based on the cash flow data and the second set of parameters, adjusted cash flow data; and calculating, based on the adjusted cash flow data, updated borrowing base data for the borrower.
Inventor(s): Ronald T. Blum of Des Moines IA (US) for wells fargo bank, n.a., Thanigaivasan Chinnasamy of Charlotte NC (US) for wells fargo bank, n.a., Prashanth Sravan Kumar Erpula of Hyderabad (IN) for wells fargo bank, n.a., Sathyanarayana Pambi of Hyderabad (IN) for wells fargo bank, n.a., Ashish Chauhan of Hyderabad (IN) for wells fargo bank, n.a., Cory Patrick of Chandler AZ (US) for wells fargo bank, n.a., Hariprasath Pannir Selvam of Hyderabad (IN) for wells fargo bank, n.a., Rizwan A. Shiek of Bangalore (IN) for wells fargo bank, n.a., Troy Wise of Marriottsville MD (US) for wells fargo bank, n.a.
IPC Code(s): G06Q40/03
CPC Code(s): G06Q40/03
Abstract: systems and methods for a user interface for preventing data transmission including: applying data processing rules to a set of transaction data to determine a furnishing decision for a subset of the set of transaction data, receiving a selection of one or more data processing rules of the set of data processing rules; determining, based on the selected data processing rules, a list of accounts comprising at least a first account and a second account, wherein the first account is associated with the first data of the subset and the furnishing decision for the first data, and the second account is associated with the second data of the subset and the furnishing decision for the second data; changing the furnishing decision for the first data; and automatically updating the furnishing decision for data associated with each account of the list of accounts.
20240412297. OVERSPENDING ALERT SYSTEM_simplified_abstract_(wells fargo bank, n.a.)
Inventor(s): Eric Greene of Piedmont CA (US) for wells fargo bank, n.a., Simone Harvey of Berkeley CA (US) for wells fargo bank, n.a., Adnan Khan of San Francisco CA (US) for wells fargo bank, n.a., Ajit Limaye of Portland OR (US) for wells fargo bank, n.a., Evelyn Ujanen of San Francisco CA (US) for wells fargo bank, n.a., Paul Vittimberga of Oakland CA (US) for wells fargo bank, n.a.
IPC Code(s): G06Q40/12, H04L9/40
CPC Code(s): G06Q40/12
Abstract: a mobile device includes a processing circuit and a network interface structured to communicate data over a network. the mobile device transmits an instance of user activity information to a remote computing system. the mobile device receives and implements, from the remote computing system, a time-limited budget restriction on a user payment account. the time-limited budget restriction is based on a user spending profile that is based on the instance of the user activity information as compared to a baseline level of user spending and a baseline activity characteristic. the time-limited budget restriction comprises a threshold and a definite time period and is configured to prevent the user payment account from completing transactions above the threshold during the definite time period
20240413987. POST QUANTUM UNIQUE KEY PER TOKEN SYSTEM_simplified_abstract_(wells fargo bank, n.a.)
Inventor(s): Phillip H. Griffin of Raleigh NC (US) for wells fargo bank, n.a., Jeffrey J. Stapleton of O'Fallon MO (US) for wells fargo bank, n.a.
IPC Code(s): H04L9/08, H04L9/00, H04L9/32
CPC Code(s): H04L9/0869
Abstract: various arrangements relate to a method performed by a processor of a computing system. an example method includes tokenizing a first value using a tokenization algorithm to generate a first token. the first value and first key are inputs of the tokenization algorithm. a message is generated. the message includes a first value identifier associated with the first value and a first key generation identifier associated with the generation of the first key. the message is associated with the first token. a second key is generated. a second value is tokenized using a tokenization algorithm to generate a second token. the second value and second key are inputs of the tokenization algorithm.
Inventor(s): Arushi Sood Joshi of San Franciso CA (US) for wells fargo bank, n.a., George Bonano of San Francisco CA (US) for wells fargo bank, n.a.
IPC Code(s): H04L9/32
CPC Code(s): H04L9/3218
Abstract: systems, methods, and computer-readable storage media to trace obfuscated data of an entity. one system includes a data processing system including memory and one or more processors configured to generate a data structure including a plurality of cryptographic outputs, wherein each of the plurality of cryptographic outputs obfuscates data of at least one identifier of the entity. the processors are further configured to broadcast the data structure to a distributed ledger and receive a proof request associated with a customer's cryptographic output. the processors are further configured to generate a cryptographic proof dataset for the customer's cryptographic output and provide the cryptographic proof dataset.
Inventor(s): Cary Simms of San Francisco CA (US) for wells fargo bank, n.a., Jeffrey J. Stapleton of O'Fallon MO (US) for wells fargo bank, n.a., Peter Bordow of Fountain Hills AZ (US) for wells fargo bank, n.a.
IPC Code(s): H04L9/40
CPC Code(s): H04L63/0471
Abstract: the present disclosure is directed to systems, methods, and non-transitory computer-readable media for generating, by a first node, an encrypted protected message. generating the encrypted protected message includes generating an obfuscated message by intercalating a second message into the first message, generating a protected message by applying a plurality of data protection mechanisms to the obfuscated message, and generating the encrypted protected message by applying a plurality of confidentiality techniques to the protected message. the first node transmits to a second node the encrypted protected message using a plurality of communication channels.
Wells Fargo Bank, N.A. patent applications on December 12th, 2024
- Wells Fargo Bank, N.A.
- G06F3/04817
- G06F3/0482
- G06F3/0484
- G06F9/54
- G06F16/215
- G06F21/62
- G06Q20/36
- G06Q40/02
- H04L9/40
- CPC G06F3/04817
- Wells fargo bank, n.a.
- G06F8/20
- G06F16/958
- CPC G06F8/20
- G06F9/451
- G06F16/957
- CPC G06F9/451
- G06F9/48
- G06F21/57
- CPC G06F9/4881
- G06F16/2453
- CPC G06F16/24542
- G06F16/2455
- G06Q20/38
- CPC G06F16/24564
- G06F18/2413
- G06F18/23
- CPC G06F18/24137
- G06F21/45
- G06F3/04847
- G06F21/32
- H04W12/06
- CPC G06F21/45
- G06F21/55
- G06N10/00
- H04L9/08
- H04L9/30
- CPC G06F21/554
- G06N5/022
- CPC G06N5/022
- G06Q20/06
- G06Q20/22
- CPC G06Q20/0655
- G06Q20/20
- G06Q20/24
- CPC G06Q20/0658
- G06Q20/10
- CPC G06Q20/10
- G06Q20/26
- G06Q20/32
- G06Q20/40
- CPC G06Q20/3672
- G06Q30/0201
- G06F18/2431
- G06N20/00
- CPC G06Q30/0201
- G06Q30/0207
- CPC G06Q30/0215
- G06F17/18
- G06Q40/06
- G06Q50/02
- G06Q50/06
- CPC G06Q40/03
- G06Q40/03
- G06Q40/12
- CPC G06Q40/12
- H04L9/00
- H04L9/32
- CPC H04L9/0869
- CPC H04L9/3218
- CPC H04L63/0471
