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公开(公告)号：US20250069049A1
公开(公告)日：2025-02-27
申请号：US18238362
申请日：2023-08-25
Applicant: Wells Fargo Bank, N.A.
Inventor： Ashish B. Kurani , Alan W. Hecht , Muhammad Farukh Munir , Darius A. Miranda , Benjamin Taylor , Traci Nguyen , Kourtney Eidam , Wairnola Marria Rhodriquez
IPC: G06Q20/10
Abstract: Systems and methods for providing notifications regarding a shared account may include a computing system which receives a request to form a shared account. The computing system may generate the shared account and a corresponding first model, transmit one or more messages, generate links between accounts and the shared account and second model(s) corresponding to second member(s). The computing system may receive a first input indicating a selection to initiate an inbound transfer, transmit a notification according to the first and second model(s), and receive a second input indicating a selection to initiate a matching inbound transfer.
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公开(公告)号：US20250069048A1
公开(公告)日：2025-02-27
申请号：US18948824
申请日：2024-11-15
Applicant: Wells Fargo Bank, N.A.
Inventor： Lila Fakhraie , Jo Anne Graham , Andrea Renee Leighton , Peter L. Shen , Ravi K. Thota
Abstract: Disclosed are example methods, systems, and devices for integrating payment API services provided by a service provider computing system with a client application. The client application running on a user device may allow a user to make payments and/or to submit payments for approval and may communicate payment information to a client computing system. If a payment is submitted for approval via the client application, the client computing system may make API calls to the service provider computing system to, for example, submit, view, and/or cancel payments. Payments may be approved by a second user using a second device. The service provider computing system initiates fund transfers for approved payments. Payments may be submitted within the operating environment of the client application without use of an application or website of the service provider.
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公开(公告)号：US20250061439A1
公开(公告)日：2025-02-20
申请号：US18235764
申请日：2023-08-18
Applicant: Wells Fargo Bank, N.A.
Inventor： Ashish B. Kurani , Alan W. Hecht , Muhammad Farukh Munir , Darius A. Miranda , Benjamin Taylor , Traci Nguyen , Kourtney Eidam , Wairnola Marria Rhodriguez
Abstract: Systems and methods for shared accounts may include a computing system which receives a request to form a shared account. The computing system may generate the shared account, transmit message(s) to second user device(s), generate link(s) between second accounts and the shared account, and establish a value associated with the shared account. The computing system may receive a selection to initiate a transfer, detect that the value satisfies a threshold criteria, identify an eligible member, and initiate a transfer based on a response from the eligible member.
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公开(公告)号：US20250061435A1
公开(公告)日：2025-02-20
申请号：US18807258
申请日：2024-08-16
Applicant: WELLS FARGO BANK, N.A.
Inventor： Alan W. Hecht
Abstract: A method includes: receiving, by a computing system, a pre-authorization request from a first client application associated with a first account held at a first provider institution, the pre-authorization request requesting that the first account be bound to a second account held at a second provider institution, wherein binding the first account to the second account pre-authorizes a first user of the first account to perform real-time or near real-time pull transfers of resources from the second account into the first account using a transfer service; transmitting, by the computing system, the pre-authorization request to a second client application associated with the second account; receiving, by the computing system, an approval of the pre-authorization request from the second client application associated with the second account; and binding, by the computing system, the first account with the second account based on the approval of the pre-authorization request.
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公开(公告)号：US20250061432A1
公开(公告)日：2025-02-20
申请号：US18936357
申请日：2024-11-04
Applicant: Wells Fargo Bank, N.A.
Inventor： Ashish B. Kurani
Abstract: Systems, methods, and computer-readable storage media utilized for transferring math based currency (“MBC”) at a financial institution. One method includes storing a plurality of private and public key pairs in a pooled database. The method further includes receiving, from a customer computing device of a customer, a request for an MBC address to transfer an amount of MBC to a recipient. The method further includes creating a first private and public key pair associated with a first MBC address. The method further includes providing, to the customer computing device, the first MBC address. The method further includes receiving, from an MBC wallet application, an MBC transaction request for the amount of MBC, the MBC transaction request comprising the first MBC address. The method further includes transferring the amount of MBC to the first MBC address and storing the first private and public key pair in the pooled database.
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Patent Agency Ranking
公开(公告)号：US12231578B2
公开(公告)日：2025-02-18
申请号：US18228126
申请日：2023-07-31
Applicant: Wells Fargo Bank, N.A.
Inventor： Phillip H. Griffin
Abstract: A system, method, and apparatus for distributed extensible blockchain structures is provided. A system includes a parent blockchain. The parent blockchain includes a first block including first content, the first block stored at a first location, and a second block stored at a second location different than the first location. The second block includes second content and a first SignerInfo element. The first SignerInfo element includes a hash on the second content, a hash on the first content of the first block, a pointer to the first location of the first block, and a first SignatureValue element generated by digitally signing at least the hash on the second content, the hash on the first content, and the pointer to the first location.
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公开(公告)号：US12229825B2
公开(公告)日：2025-02-18
申请号：US18230104
申请日：2023-08-03
Applicant: Wells Fargo Bank, N.A.
Inventor： Kourtney Eidam , Darren M. Goetz , Dennis E. Montenegro
IPC: G06Q40/02 , A47B21/007 , G06V40/16
Abstract: A smart table display system includes a display surface, an input/output device, and a processing circuit configured to receive financial data regarding a financial health of a user, generate a graphical user interface comprising a graphic that depicts the financial health of the user based on the financial data where the graphical user interface is for display on the display surface, receive sensor data regarding the user via the input/output device, continuously update the financial health of the user based on the sensor data, and cause the graphical user interface to update as the financial health of the user is updated.
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公开(公告)号：US12229275B2
公开(公告)日：2025-02-18
申请号：US18213183
申请日：2023-06-22
Applicant: Wells Fargo Bank, N.A.
Inventor： Shane Cross , Daniel Fricano , Thomas Gilheany , Peter Anatole Makohon , Dale Miller , Charles Steven Edison , Kodzo Wegba , James Bonk
IPC: G06F21/57 , G06F9/455 , G06F3/04842
Abstract: Systems and methods for managing cybersecurity for an entity are disclosed. An example method includes providing a content portal to a user configured to display a security risk profile via a generated GUI; receiving, via the generated GUI, a first input from the user comprising a selection of a component identified in the security risk profile and a response parameter; providing, via the generated GUI, parameters for a targeted scan of the selected component; receiving, via the generated GUI, a second input from the user comprising a selection of a confirmation of the parameters; identifying a vulnerability associated with a first property or a second property from device connectivity data based on the parameters; initiating the targeted scan of the selected component associated with the vulnerability; determining a result of the targeted scan; updating the security risk profile; and updating a multi-dimensional score based on the updated security risk profile.
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公开(公告)号：US20250053959A1
公开(公告)日：2025-02-13
申请号：US18366483
申请日：2023-08-07
Applicant: Wells Fargo Bank, N.A.
Inventor： Jenny Yee Tao , Eric J. Miller , Young M. Yang
Abstract: Systems and methods may generally be used for processing transactions. An example method may include receiving a request from a wallet application to perform a transaction to transfer funds from a payor account over a first payment rail. The first payment rail may be associate with a payment network corresponding with an element of the wallet application. The example method may include determining whether a second payment rail is available for processing the request based upon a determination that the second payment rail meets a requirement of the transaction. The example method may further include, upon determining that the second payment rail is available, converting the request to a request for processing using a second payment rail different from the first payment rail, and processing the request using the second payment rail.
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公开(公告)号：US20250053945A1
公开(公告)日：2025-02-13
申请号：US18397027
申请日：2023-12-27
Applicant: Wells Fargo Bank, N.A.
Inventor： Frank Fehrenbach
Abstract: A provider computing system configured to: receive transaction information regarding a customer transaction associated with one or more of a transaction processing entity, a merchant, or a payment network provider, the transaction information including a potential payment method; determine a transaction rate associated with the potential payment method; identify an offer associated with the one or more of the transaction processing entity, the merchant, or the payment network provider; generate display data including the transaction rate and the offer; and transmit the display data to at least one of a transaction processing device associated with the transaction processing entity, a merchant computing system associated with the merchant, or a customer device associated with a customer, the display data configured to cause the transaction rate and the offer to be displayed by the at least one of the transaction processing device, the merchant computing system, or the customer device.
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