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

IPC: G06Q20/38 ,  G06Q20/02 ,  G06Q20/36

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：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

IPC: G06Q30/04 ,  G06Q20/02 ,  G06Q20/36 ,  G06Q40/02

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.

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

IPC: G06Q20/38 ,  G06Q20/02 ,  G06Q20/36

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：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.

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).