公开(公告)号：US20240330904A1

公开(公告)日：2024-10-03

申请号：US18735541

申请日：2024-06-06

Applicant: Wells Fargo Bank, N.A.

Inventor： Todd Steven Biggs ,  Phillip H. Griffin ,  Upul D. Hanwella ,  Mabel Oza ,  Luiz Silva ,  Jeff J. Stapleton ,  Richard Stec ,  Kurt Paul Stevens ,  Luis A. Suarez ,  Sean Xiang Zhang

IPC: G06Q20/36 ,  G06F16/28 ,  G06Q20/38 ,  G06Q40/02 ,  G06Q40/04 ,  G06Q50/18 ,  H04L9/08 ,  H04L9/32

CPC classification number: G06Q20/3674 ,  G06F16/285 ,  G06Q20/3829 ,  H04L9/0861 ,  H04L9/3213 ,  G06Q40/02 ,  G06Q40/04 ,  G06Q50/186

Abstract: Securing digital assets in a vault that interfaces with multiple different third-party wallets to store keys/mnemonics. The vault interface accepts input from multiple different party wallets to combine multiple encryptions and secure storage techniques. Numerous cryptographic mechanisms are employed to securely pull a mnemonic phrase from a third-party wallet and into an institution's vault. A customer's mnemonic phrase is securely transported from a personal wallet into a secured institution's encrypted vault using the power of HSM to encrypt and decrypt a customer's mnemonic phrase securely.

公开(公告)号：US12073386B1

公开(公告)日：2024-08-27

申请号：US17370545

申请日：2021-07-08

Applicant: Wells Fargo Bank, N.A.

Inventor： Todd Steven Biggs ,  Phillip H. Griffin ,  Upul D. Hanwella ,  Mabel Oza ,  Luiz Silva ,  Jeff J. Stapleton ,  Richard Stec ,  Kurt Paul Stevens ,  Luis A. Suarez ,  Sean Xiang Zhang

IPC: G06Q20/36 ,  G06F16/28 ,  G06Q20/38 ,  H04L9/08 ,  H04L9/32 ,  G06Q40/02 ,  G06Q40/04 ,  G06Q50/18

CPC classification number: G06Q20/3674 ,  G06F16/285 ,  G06Q20/3829 ,  H04L9/0861 ,  H04L9/3213 ,  G06Q40/02 ,  G06Q40/04 ,  G06Q50/186

Abstract: Securing digital assets in a vault that interfaces with multiple different third-party wallets to store keys/mnemonics. The vault interface accepts input from multiple different party wallets to combine multiple encryptions and secure storage techniques. Numerous cryptographic mechanisms are employed to securely pull a mnemonic phrase from a third-party wallet and into an institution's vault. A customer's mnemonic phrase is securely transported from a personal wallet into a secured institution's encrypted vault using the power of HSM to encrypt and decrypt a customer's mnemonic phrase securely.

公开(公告)号：US11410164B1

公开(公告)日：2022-08-09

申请号：US17121252

申请日：2020-12-14

Applicant: Wells Fargo Bank, N.A.

Inventor： Mayur Chheda ,  Luiz Fernando Flor da Silva ,  Matthew Shepherd ,  Kurt Paul Stevens ,  June Ann Wroblewski ,  Sean Zhang

IPC: G06Q20/10 ,  G06Q20/38

Abstract: Systems and method relating to a distributed ledger currency rail are provided. A computer-implemented method includes receiving a funds transfer request message including an amount, a sender, and a recipient; examining the funds transfer request message to identify a sending financial institution associated with the sender and a receiving financial institution associated with the recipient; and determining whether the sending financial institution and the receiving financial institution each operates a node on a permissioned distributed ledger network. The method further includes, in response to determining that the sending financial institution and the receiving financial institution each operates a node on the permissioned distributed ledger network, routing the funds transfer request message to the permissioned distributed ledger network so as to facilitate the funds transfer via digital cash states issued to the sending financial institution and the receiving financial institution in exchange for fiat currency cash.