-
公开(公告)号：US10373134B1
公开(公告)日：2019-08-06
申请号：US14570427
申请日：2014-12-15
Applicant: Wells Fargo Bank, N.A.
Inventor： Sabitha Dachepalli , Remo DeLeon , Peter Rozovski
IPC: G06Q20/36 , G06Q20/10 , G06Q20/04 , G06F16/245
Abstract: Systems and methods for processing payment requests via a series of matching operations are described. Rules that compensate for incomplete or inaccurate information are applied to customer requests and stored merchant information to create identifiers, or “tokens.” Tokens can be searched for, compared, and matched with confirmed merchant information, allowing for the identification of merchants known to financial institutions despite erroneous or missing information in the customer request.
-
公开(公告)号：US20250014005A1
公开(公告)日：2025-01-09
申请号：US18898413
申请日：2024-09-26
Applicant: Wells Fargo Bank, N.A.
Inventor： Peter Rozovski , Peter L. Shen
IPC: G06Q20/14
Abstract: Embodiments include a provider computing system associated with a provider including a processing circuit configured to present, by a graphical user interface while a bill pay application is in an unlaunched state, a notification including a summary of a bill, and automatically launch the bill pay application in response to the customer selecting the summary. The processing circuit further configured to receive, via the bill pay application, a request to pay an amount of funds to a biller, generate a payment request, provide at least one post to a funds account circuit based on the payment request, and generate and provide a payment data object to a biller computing system.
-
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.
-
公开(公告)号：US20240370837A1
公开(公告)日：2024-11-07
申请号：US18313128
申请日：2023-05-05
Applicant: Wells Fargo Bank, N.A.
Inventor： Peter Rozovski , Peter Shen , Ramkumar Palavelli
Abstract: Systems and techniques may generally be used with a stateless experience application programming interface (API) for bill pay. An example technique may include receiving a first stateless experience application programming interface (API) request including bill payment information, receiving an indication from an authentication server that authentication of a user device failed, and sending, in response to receiving the indication, a reject transaction object to a storage device. The example technique may include receiving a second stateless experience API request including patched bill payment information after side channel authentication, and validating the user device by querying the storage device to determine whether the reject transaction object is present. The example technique may include sending an indication of authorized payment to a bill pay service based on validation of the user device.
-
公开(公告)号：US20230206198A1
公开(公告)日：2023-06-29
申请号：US18117963
申请日：2023-03-06
Applicant: Wells Fargo Bank, N.A.
Inventor： Alan W. Hecht , Sotirios Barkas , Ann M. Kirk , Peter Rozovski , Peter L. Shen , Chate Yap , Upul D. Hanwella
IPC: G06Q20/10 , G06F3/0481 , G06F3/0485 , G06Q20/36
CPC classification number: G06Q20/102 , G06F3/0481 , G06F3/0485 , G06Q20/3674
Abstract: A computing device comprises a processing resource, a memory resource, and computer-executable instructions stored thereon and embodied in a biller exchange bill pay application, where the instructions cause the computing device to receive a data set comprising a plurality of billers from a biller exchange computing system, receive an authentication token from the biller exchange computing system, query a computing device property of the computing system, render an optimized version of the biller exchange bill pay application, display a user-interactive page comprising at least one user-interactive control where the at least one user-interactive control comprises at least one property dynamically populated based on the data set comprising the plurality of biller, and perform computing operations specified by the at least one property of the at least one user-interactive control using the authentication token and responsive to detecting a user interaction with the at least one user-interactive control.
-
Patent Agency Ranking
公开(公告)号：US11599862B1
公开(公告)日：2023-03-07
申请号：US16704542
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
IPC: G06Q20/10 , G06F3/0481 , G06F3/0485 , G06Q20/36
Abstract: A computing device includes a processing resource, a memory resource, and computer-executable instructions stored thereon and embodied in a biller exchange bill pay application. The instructions, when executed by the processing resource, cause the computing device to receive, from a remote computing system, a data set comprising a plurality of billers. Each of the plurality of billers is subscribed to a biller exchange structured to allow each of the plurality of billers to deliver and receive payment on customer bills via a biller exchange computing system. A user-interactive page comprising at least one user-interactive control is generated and displayed on the computing device. The user-interactive control includes at least one property dynamically populated based on the data set comprising the plurality of billers (such as, for example, a property binding the user-interactive control to the data set). Responsive to detecting a user interaction with the user-interactive control, computing operations can be performed. The computing operations can be specified at least in part using the at least one property of the user-interactive control (such as, for example, performing a particular operation for a particular biller from the data set).
-
公开(公告)号：US20240420144A1
公开(公告)日：2024-12-19
申请号：US18333805
申请日：2023-06-13
Applicant: Wells Fargo Bank, N.A.
Inventor： Peter Rozovski , Tina D. McCoy , Rhya Volkwein , Shrisha R. Yelluru , Ravi K. Thota
IPC: G06Q20/40
Abstract: Various examples are directed to systems, methods, and computer programs for detecting fraudulent activity and/or fraudulent actors in transaction requests associated with pay groups in a financial institution. For example, a financial server receives a transaction authorization request related to a pay group on an account of a user. The financial server monitors events associated with at least one payee of the pay group and identifies a fraud indication among a first event of the events associated with the at least one payee of the pay group. The financial server blocks the transaction authorization request related to the pay group, including triggering, by the fraud indication, stopping multiple payments to multiple payees of the pay group.
-
公开(公告)号：US20240127230A1
公开(公告)日：2024-04-18
申请号：US18397034
申请日：2023-12-27
Applicant: Wells Fargo Bank, N.A.
Inventor： Alan W. Hecht , Chate Yap , Ann M. Kirk , Peter Rozovski , Peter L. Shen , Sotirios Barkas
CPC classification number: G06Q20/38215 , G06Q20/023 , G06Q20/3672 , G06Q20/385
Abstract: A method for coordinating billing requests and payments across different financial institutions includes receiving an electronic enrollment request by a biller exchange computing system from a customer computing device; displaying an interactive control on a user interface of the customer computing device configured to collect customer authentication data for the biller; transmitting the customer authentication data to a remote computing system associated with the biller; causing the remote computing system to generate a customer-biller account authentication token that authorizes the biller exchange computing system to perform financial transactions with the biller on behalf of the customer; and authenticating, by the biller exchange computing system, a transaction request received from the customer computing device for a transaction between the customer and the biller based on the customer-biller account authentication token.
-
公开(公告)号：US11455613B1
公开(公告)日：2022-09-27
申请号：US16206401
申请日：2018-11-30
Applicant: Wells Fargo Bank, N.A.
Inventor： Sabitha Dachepalli , Remo DeLeon , Peter Rozovski
Abstract: Systems and methods for preparing payment requests via cached payee information databases are described. The cached payee database system allows customers of a financial institution to search locally stored payee databases on their mobile devices for payee information. The cache version of the payee database is periodically updated with new and corrected payee information. The cached database system can perform payee searches on a character-by-character basis in real time with minimal delays between searches.
-
公开(公告)号：US12112305B1
公开(公告)日：2024-10-08
申请号：US17688449
申请日：2022-03-07
Applicant: Wells Fargo Bank, N.A.
Inventor： Peter Rozovski , Peter L. Shen
IPC: G06Q20/14
CPC classification number: G06Q20/14
Abstract: Embodiments include a provider computing system associated with a provider including at least one processing circuit configured to present, by a graphical user interface while a bill pay application is in an unlaunched state, a notification including a plurality of summaries of at least one bill, automatically launch the bill pay application in response to the customer selecting a summary of the plurality of summaries of at least one bill, and automatically navigate to a sub-screen presenting the selected summary. The least one processing circuit further configured to receive, via the bill pay application, a request to pay an amount of funds to a biller, generate a payment request, provide at least one post to a funds account circuit based on the payment request, and generate and provide a payment data object to a biller computing system.
-
-
-
-
-
-
-
-
-
Search Results
14
records
(took 0.016 seconds)
