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公开(公告)号：US11295283B1
公开(公告)日：2022-04-05
申请号：US15464557
申请日：2017-03-21
Applicant: Wells Fargo Bank, N.A.
Inventor： Alan W. Hecht , Ann M. Kirk , Brian M. Pearce , Steven E. Puffer , Wairnola Marria Rhodriquez , Javier S. Silva
Abstract: A method of performing a real-time non-inquiry electronic transaction is provided. The method includes receiving, by a paying bank computing system associated with a paying bank, a posting of a transaction from an account verification service, the transaction corresponding to a transfer of funds from the paying bank computing system to a depository computing system associated with a depository bank. The method further includes sending, by the paying bank computing system, an acknowledgement of the transaction to the account verification service, wherein the transaction is determined to be a non-inquiry transaction such that the transaction is posted at the depository bank computing system without performing an initial inquiry regarding the transaction at the account verification service.
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公开(公告)号：US20250029121A1
公开(公告)日：2025-01-23
申请号：US18906048
申请日：2024-10-03
Applicant: Wells Fargo Bank, N.A.
Inventor： Rolf Anderson , Azita Asefi , Alan W. Hecht , Ann M. Kirk
IPC: G06Q30/018 , G06N20/00
Abstract: A provider computing system includes a network interface and a processing circuit structured to receive a plurality of fraud cases where each fraud case is associated with transaction data and an initial priority score, determine an updated priority score for each fraud case based on the transaction data and case prioritization data where the case prioritization data includes a set of rules developed using a machine learning model, assign each fraud case to one of a plurality of queues, assign at least one fraud case to a fraud agent computing terminal associated with a fraud agent responsive to determining its updated priority score is at or above a threshold by moving the at least one fraud case to a cache, receive an input from the fraud agent computing terminal regarding a disposition of the at least one fraud case, and restructure the case prioritization data based on the input.
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公开(公告)号：US12182860B2
公开(公告)日：2024-12-31
申请号：US18231654
申请日：2023-08-08
Applicant: Wells Fargo Bank, N.A.
Inventor： Alan W. Hecht , Ann M. Kirk , Javier S. Silva
Abstract: A system includes a processing circuit having one or more processors coupled to memory, the processing circuit configured to generate a requestor token comprising information of an applicant and determine verification information is required to process an application associated with the applicant. The processing circuit is further configured to retrieve the verification information based on previously stored information corresponding to the applicant, generate a task comprising a requirement to fulfill based on determining additional information is required, and provide a list of tasks comprising the task to the applicant.
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公开(公告)号：US20240320718A1
公开(公告)日：2024-09-26
申请号：US16704453
申请日：2019-12-05
Applicant: Wells Fargo Bank, N.A.
Inventor： Alan W. Hecht , Sotirios Barkas , Ann M. Kirk , Peter Rozovski , Peter L. Shen , Chate Yap
CPC classification number: G06Q30/04 , G06Q20/023 , G06Q20/367 , G06Q40/02
Abstract: A biller processor computing system is associated with a biller. The biller processor computing system includes a processing resource, a memory resource, and computer-executable instructions stored thereon and embodied in a biller processor application programming interface (API) engine. The instructions, when executed by the processing resource, cause the biller processor computing system to extract a payer identifier from an electronic bill (e.g., an electronic bill received from the biller). Based at least on the payer identifier, a corresponding electronic token is retrieved from data storage media. The electronic token relates to payer authentication information for a biller computing system, which is communicatively coupled to the biller processor computing system. The electronic token is included in the electronic bill, and the electronic bill is transmitted to a payer computing system.
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公开(公告)号：US20230281578A1
公开(公告)日：2023-09-07
申请号：US18144823
申请日：2023-05-08
Applicant: Wells Fargo Bank, N.A.
Inventor： Alan W. Hecht , Ann M. Kirk , Brian M. Pearce , Steven E. Puffer , Wairnola Marria Rhodriquez , Javier S. Silva
CPC classification number: G06Q20/10 , G06Q20/405 , G06Q40/02 , G06Q20/023
Abstract: Systems, methods, and non-transitory computer-readable media for performing exchanges. One method includes receiving a request identifying a payor account and an amount of funds to transfer an account associated with a customer of the depository bank computing system, determining the request qualifies for a non-inquiry transaction (NIT) protocol, transmitting, by the depository bank computing system to an account verification service computing system over the real-time data channel, a guarantee offer including a payor account token based on the shared account status information, receiving, over the real-time data channel and from the account verification service computing system, an accepted guarantee offer, crediting an account of the customer, receiving, over the real-time data channel, a guarantee override, and reversing the transfer of funds associated with the guarantee.
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公开(公告)号：US11669814B1
公开(公告)日：2023-06-06
申请号：US17734916
申请日：2022-05-02
Applicant: Wells Fargo Bank, N.A.
Inventor： Alan W. Hecht , Azita Asefi , Ann M. Kirk
CPC classification number: G06Q20/10 , G06Q20/102 , G06Q20/223 , G06Q20/3223 , H04W4/12
Abstract: A system, method, and apparatus for a funds transfer is provided. A method includes: receiving a fund transfer request from a user regarding a payee and an amount of funds to transfer to the payee; sending the fund transfer request to a computing system coupled to a first payment directory and a second payment directory; receiving an identification of the payee and a second payment directory based on the fund transfer request; receiving an identification of a data collision regarding information associated with the payee and another user; displaying information regarding the identified payee; receiving an indication from a user that the information regarding the identified payee is correct; sending an instruction that facilitates identification of the payee by resolving the data collision; and providing, via a mobile device, a message indicating that the fund transfer has been completed.
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公开(公告)号：US11227332B1
公开(公告)日：2022-01-18
申请号：US15487016
申请日：2017-04-13
Applicant: Wells Fargo Bank, N.A.
Inventor： Alan W. Hecht , Ann M. Kirk , Javier S. Silva
Abstract: A computer-implemented system and method receive information regarding a funds transfer from a payor to a payee. The information is received by a depository computer system. The depository computer system forwards the information regarding the funds transfer to an account verification service computer system. The depository receives an indication of a real-time account status of an account of the payor. The account status information is received from a paying bank computer system that maintains the account of the payor via the account verification service computer system. Release of the funds to the payee is authorized based on the account status information received via the account verification service computer system. The authorization occurs in real-time relative to when the funds transfer information is initially received.
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公开(公告)号：US12136096B1
公开(公告)日：2024-11-05
申请号：US17188716
申请日：2021-03-01
Applicant: Wells Fargo Bank, N.A.
Inventor： Rolf Anderson , Azita Asefi , Alan W. Hecht , Ann M. Kirk
IPC: G06Q30/018 , G06N20/00
Abstract: A provider computing system includes a network interface and a processing circuit including a processor structured to receive sets of fraud cases. The processor is structured to determine an updated priority score for each fraud case based on case prioritization data comprising rules developed using a machine learning model, initiate an action for each fraud case based on the updated priority score, where the action comprises assembling a first group of the fraud cases in a single database and taking an action on a second group of the fraud cases, assign the first group to a computing terminal associated with a fraud agent, receive an input from the computing terminal regarding a disposition of the first group of fraud cases, update the model based on the input and the transaction data, and restructure the case prioritization data based on the updated model.
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公开(公告)号：US12045809B1
公开(公告)日：2024-07-23
申请号：US16704155
申请日：2019-12-05
Applicant: Wells Fargo Bank, N.A.
Inventor： Alan W. Hecht , Sotirios Barkas , Ann M. Kirk , Peter Rozovski , Peter L. Shen , Chate Yap
CPC classification number: G06Q20/38215 , G06Q20/023 , G06Q20/3672 , G06Q20/385
Abstract: A computer-implemented method includes receiving an electronic enrollment request including identification information associated with a receiving financial institution holding a receiving financial account for a biller. The method includes displaying, on a user interface of a user computing device, an interactive control configured to collect user authentication data for the biller. The user holds an account with the biller. In response to receiving authentication data at the user computing device, the method includes transmitting the authentication data to a remote computing system associated with the biller, causing the remote computing system associated with the biller to generate an authentication token after validating the authentication data, generating a biller enrollment record, the biller enrolment record including the authentication token, and saving the authentication token relationally to information regarding a user and relationally to information regarding the biller.
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公开(公告)号：US20240220947A1
公开(公告)日：2024-07-04
申请号：US18609529
申请日：2024-03-19
Applicant: Wells Fargo Bank, N.A.
Inventor： Alan W. Hecht , Azita Asefi , Ann M. Kirk
CPC classification number: G06Q20/10 , G06Q20/102 , G06Q20/223 , G06Q20/3223 , H04W4/12
Abstract: A method includes receiving a fund transfer request and an amount to transfer to a payee; receiving an identification of a data collision regarding information associated with the payee and another user; displaying a visual representation regarding the data collision; receiving a designated rail for a funds transfer based on a designated transfer timing and the amount to transfer to the payee; receiving an indication from a user confirming that information regarding the payee is correct; subsequent to receiving the indication, sending an instruction that facilities identification of the payee by resolving the data collision regarding the information associated with the payee and the another user by deactivating an association of at least some overlapping information with the another user; receiving a message indicating that the funds transfer corresponding to the fund transfer request has been completed; and providing the message indicating that the funds transfer has been completed.
