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61. 发明授权

US11501067B1 Systems and methods for screening data instances based on a target text of a target corpus 有权
公开(公告)号：US11501067B1
公开(公告)日：2022-11-15
申请号：US16856673
申请日：2020-04-23
申请人： Wells Fargo Bank, N.A.
发明人： Mina Naghshnejad , Angelina Yang , Tarun Joshi , Vijayan Nair , Harsh Singhal , Agus Sudjianto
IPC分类号： G06F40/242 , G06F40/295 , G06Q20/40
摘要： Systems, apparatuses, methods, and computer program products are disclosed for screening data instances based on a target text of a target corpus. A screening device analyzes a target corpus to generate at least two term dictionaries for the target corpus. The screening apparatus, based on a frequency of a term in the target corpus, determines a term weight for the term; for each data instance, determines term scores for the data instance and the target text based on the term weights; filters the data instances based on the term scores, to generate a short list of data instances; determines term similarity scores between each data instance of the short list and target text based on the term weights; and provides a data instance determined to likely correspond to the target text and an indication of the corresponding term similarity score(s). A term is a word or an n-gram.

62. 发明授权

US11495077B1 Systems and methods for ATM deposit jammed item imaging and transaction completion 有权
公开(公告)号：US11495077B1
公开(公告)日：2022-11-08
申请号：US17347223
申请日：2021-06-14
申请人： Wells Fargo Bank, N.A.
发明人： Galen Alexander , Jonathan Baker , Jason Cain , Frank Digangi , Tom Florian , Stephen Fry
IPC分类号： G07D11/237 , G07F19/00 , G06Q20/32
摘要： Systems, methods, and apparatuses for ATM deposit jammed item imaging and transaction completion are described herein. A transaction system detects, based on information provided by a sensor coupled to the transaction system, an interrupted transaction. The transaction system receives partial transaction information related to the interrupted transaction. The transaction system also receives an image associated with the interrupted transaction from a computing device. The transaction system determines additional transaction information based at least on the image. The transaction system may execute operations related to the interrupted transaction based on the additional transaction information.

63. 发明授权

US11494770B1 Systems and methods for preferring payments using a social background check 有权
公开(公告)号：US11494770B1
公开(公告)日：2022-11-08
申请号：US17243223
申请日：2021-04-28
申请人： Wells Fargo Bank, N.A.
发明人： Thomas E. Gross , Kimarie Matthews , Darius A. Miranda , Matthew P. Schlachtman , Edward P. Scholtens
IPC分类号： G06Q20/40 , G06Q50/00 , G06F16/28
摘要： Systems and methods are described for facilitating payments and transactions using social background checks. Such systems and methods may use social networks with both individual members communicating over a network to a social authentication computing system. The authentication of transactions associated financial institutions are determined through the use of relationship measures based on social media interactions. Transactions and services available to a user are determined based on a measure of social identity through the use of social media platforms. Available contact and interaction data from one or more social media platforms is leveraged to analyze a level of trust that a transaction is not a consequence of fraudulent activity. Transactions that have a low level of risk of being a consequence of fraudulent activity are benefited through faster transaction times and other improvements.

64. 发明授权

US11488168B1 One-time passcode 有权
公开(公告)号：US11488168B1
公开(公告)日：2022-11-01
申请号：US16723603
申请日：2019-12-20
申请人： Wells Fargo Bank, N.A.
发明人： Sri Rajesh Rayudu , Ramanathan Ramanathan , Santosh Nichani , Srinivas Vengala , Shanmukeswara R. Donkada
IPC分类号： G06Q20/40 , H04L9/40 , G06Q20/20
摘要： A financial system receives a transaction request and transmits a one-time passcode to a consumer associated with the transaction request. Transmission of the one-time passcode is typically via a first channel. If the system determines that the one-time passcode was not delivered, a second channel is utilized. Depending upon the success of delivering the one-time passcode, more than one type of communication channel can be used.

65. 发明申请

US20220343704A1 STORE CHANNEL PRESTAGING AND CUSTOMER INTERACTION 有权
公开(公告)号：US20220343704A1
公开(公告)日：2022-10-27
申请号：US15794460
申请日：2017-10-26
申请人： Wells Fargo Bank, N.A.
发明人： Miranda C. Hill , Marria Rhodriquez , Dominik Vltavsky , Nancy B. Zimmerman
IPC分类号： G07C9/00 , G06Q10/02 , G06Q10/10 , G06Q20/32 , H04W4/02 , G06Q40/02
摘要： Examples described herein relate to apparatus and methods for a user to exchange information with a financial institution computing system (a branch location thereof) via a user device before the user is service, including, but not limited to, determining that the user device is present at the branch location of the financial institution, and in response to determining that the user device is present at the branch location, performing one or more of displaying information related to service at the branch location or displaying information unrelated to service at the branch location.

66. 发明授权

US11481838B1 Secure data exchange 有权
公开(公告)号：US11481838B1
公开(公告)日：2022-10-25
申请号：US16905339
申请日：2020-06-18
申请人： Wells Fargo Bank, N.A.
发明人： Traci Nguyen , Lila Fakhraie , Anthony Burton , Alyce F. Thornton , Ravi Thota , Meghan E. Butler
IPC分类号： H04L9/40 , G06Q40/02
摘要： In an example, a computer-implemented method includes determining a set of permissions that specifies types of account data of one or more financial accounts to share with a third-party, the one or more financial accounts being associated with a user and held by a financial institution, and generating authorization data that authenticates the third-party and authorizes the third-party to access the types of account data specified by the set of permissions. The method also includes transmitting the authorization data to the third-party, receiving a request for authorization that includes the authorization data and a request for account data of the one or more financial accounts that conforms to the types of account data specified by the set of permissions, authorizing the third-party based on the authorization data, and transmitting the account data that conforms to the types of account data specified by the set of permissions.

67. 外观设计

USD966282S1 Display screen or portion thereof with graphical user interface 有权
公开(公告)号：USD966282S1
公开(公告)日：2022-10-11
申请号：US29717937
申请日：2019-12-19
申请人： Wells Fargo Bank, N.A.
设计人： Benjamin Soccorsy , Sudipta N. Kitsis

68. 发明授权

US11470079B1 User-level token for user authentication via a user device 有权
公开(公告)号：US11470079B1
公开(公告)日：2022-10-11
申请号：US16890126
申请日：2020-06-02
申请人： Wells Fargo Bank, N.A.
发明人： Ashish B. Kurani , Kristine Ing Kushner , Brian M. Pearce , Steven E. Puffer , Nikolai Stroke , Paul Vittimberga , Young M. Yang
IPC分类号： G06F21/00 , H04L9/40
摘要： A computer implemented method performed by an identity verification computing system includes generating a user-level token associated with a user-level profile. The user-level profile is associated with a user and is unique to the user. The method includes receiving a request to provide an identity verification of a user via an entity computing system, the request comprising a card-based transaction message associated with a card-based transaction, the card-based transaction message comprising the user-level token. The method further includes accessing the user-level profile associated with the user-level token, obtaining the user-level token from the card-based transaction message, validating the user-level token, and transmitting an identity verification approval to the entity computing system.

69. 发明授权

US11468414B1 Systems and methods for establishing a pull payment relationship 有权
公开(公告)号：US11468414B1
公开(公告)日：2022-10-11
申请号：US15284040
申请日：2016-10-03
申请人： Wells Fargo Bank, N.A.
发明人： Daniel David , Jonathan A. Hartsell , Heath Kamp , Sarah W. Phelps , Philip Sprague , Christina Zikeli
IPC分类号： G06Q20/10 , G06Q20/32
摘要： Systems, methods, and apparatuses for establishing a pull payment relationship are disclosed herein. A method performed by a financial institution computing system includes registering a payee for a pull payment service; registering a payor for the pull payment service; receiving an indication of a contact or a near contact event occurring between a user device associated with the payee and a user device associated with the payor; establishing a pull payment relationship between the payee and the payor responsive to receiving the indication; and fulfilling a payment request from the payee based on the established pull payment relationship.

70. 发明授权

US11468223B2 Model documentation generation system 有权
公开(公告)号：US11468223B2
公开(公告)日：2022-10-11
申请号：US16997183
申请日：2020-08-19
申请人： Wells Fargo Bank, N.A.
发明人： Tarun Joshi , Vijayan Nair
IPC分类号： G06F40/106 , G06F11/36 , G06F8/73
摘要： Systems, apparatuses, methods, and computer program products are disclosed for at least semi-automated generation of model documentation. In an example embodiment, a template corresponding to a model is selected. User input populating portions of a build notebook is received. The build notebook comprises a model identifier identifying the model and executable code. The build notebook is executed using an execution engine to cause an intermediary file encoded in a type-setting system to be generated. Executing the build notebook causes cross-references of elements of the model documentation to be mapped to appropriate locations within the intermediary file. The elements comprise graphical representations of results of model tests executed on the model and/or extracted or user-defined artifacts required for the model documentation. The intermediary file is executed using a type-setting system compiler to assemble user-provided text and the elements, in accordance with the template, to generate the model documentation.

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