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1. 发明授权

EP1697818B1 AUTHENTICATION SYSTEM FOR NETWORKED COMPUTER APPLICATIONS 有权
公开(公告)号：EP1697818B1
公开(公告)日：2018-05-30
申请号：EP04815761.4
申请日：2004-12-22
申请人： Wells Fargo Bank, N.A.
发明人： KELLY, Edward, R. , HOWSER, Christopher, Wayne , SAVAGE, Jonathan, Francis , ZHENG, Yuliang
IPC分类号： H04L29/06
CPC分类号： H04L63/0807 , H04L63/0209 , H04L63/0428 , H04L63/0815 , H04L63/126
摘要： A system such as in a networked computer system comprising a user, an application server, a gatekeeper server and an authentication server. Communication within the system is managed by the gatekeeper server, wherein the user communicates with the authentication server and the application server through the gatekeeper server. Once the user has been initially authenticated by the authentication server, the user may request application services from a plurality of application servers within the networked computer system without having to be re-authenticated.

2. 发明公开

EP3479333A1 INTERNATIONAL TRADE FINANCE BLOCKCHAIN SYSTEM 审中-公开
公开(公告)号：EP3479333A1
公开(公告)日：2019-05-08
申请号：EP17821416.9
申请日：2017-06-30
申请人： Wells Fargo Bank N.A.
发明人： DOWLING, Michael , THOMPSON, Alexander, R. , LEVITAN, Axel , SEVERINO, Robert, A.
IPC分类号： G06Q40/00

3. 发明公开

EP1390852A1 METHOD AND SYSTEM FOR ACCESSING A RESOURCE IN A COMPUTING SYSTEM 审中-公开
标题翻译：方法和系统资源的访问在数据处理系统
公开(公告)号：EP1390852A1
公开(公告)日：2004-02-25
申请号：EP02736982.6
申请日：2002-05-17
申请人： Wells Fargo Bank N.A.
发明人： MOAVEN, Farah , LARACUENTE, Israel
IPC分类号： G06F11/30
CPC分类号： G06F21/6218 , G06F2221/2141
摘要： Figure 4 shows a representation of a scenario when a workgroup manager in an organization assigns a job profile to a resource profile. In step (402), the workgroup manager builds a job profile. In step (404), the workgroup manager attempts to build a resource profile. If the resources are not executed from being grouped together in the same resource profile, the resource profile is successfully built, in step (406). If, however, some explicit exclusion rules dictate that the intended resources are not allowed to be grouped together, in step (408), the workgroup manager is notified that the intended resource profile may not be built. After the workgroup manager has successfully built a resource profile that passes the exclusion rules, the workgroup manager may attempt to assign the job profile to the resource profile, in step (410). If this assignment does not violet a related exclusion rule, in step (412), the job profile is successfully assigned to the target resource profile. If however, some explicit exclusion rules dictate that the job profile may not be assigned to the resource profile, the workgroup manager is notified accordingly, in step (414).

4. 发明公开

EP1340173A1 METHOD AND APPARATUS FOR INTEGRATED PAYMENTS PROCESSING AND DECISIONING FOR INTERNET TRANSACTIONS 审中-公开
标题翻译：方法和装置处理和决策培训为一体的付款在互联网交易
公开(公告)号：EP1340173A1
公开(公告)日：2003-09-03
申请号：EP01977720.0
申请日：2001-10-12
申请人： Wells Fargo Bank N.A.
发明人： BANAUGH, Michelle , FRY, Peggy, J. , POTTER, David , WOOD, George, Luis
IPC分类号： G06F17/60
CPC分类号： G06Q30/06 , G06Q20/02 , G06Q20/023 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/12 , G06Q20/403 , G06Q40/00
摘要： A method and apparatus provides a decisioning solution for merchants accepting Internet transactions, integrated with means for processing payments electronically. The invention claimed herein provides features, such as, but not limited to, electronic transfer of funds (40), authentication of parties (11), seemless integration with merchant's Web page, and reporting of suspicious activity (12).

5. 发明申请

WO2005089228A2 INTERNET DEBIT SYSTEM 审中-公开
标题翻译：互联网欺骗系统
公开(公告)号：WO2005089228A2
公开(公告)日：2005-09-29
申请号：PCT/US2005/008226
申请日：2005-03-10
申请人： WELLS FARGO BANK, N.A. , WOOD, George, Luis , BANAUGH, Michelle
发明人： WOOD, George, Luis , BANAUGH, Michelle
CPC分类号： G06Q20/12 , G06Q20/102 , G06Q20/382 , G06Q20/4012 , G07F7/1033
摘要： A PIN based Internet debit system and method is provided. The system and method allow for the transmission of an eCommerce Internet transaction with a debit card or ATM card and the cardholders existing PIN. In addition, the system and method allow for secure and encrypted transmission of such PIN and transaction data via the Internet ot the payment network and the issuing financial institution. In one embodiment of the invention, a pop-up is used to get control of a user’s browser to present a PIN pad such that the user may enter PIN information associated with the user’s debit/ATM cards. In this way, the invention provides debit card or ATM type functionality to web pages.
摘要翻译：提供基于PIN的互联网借记系统和方法。该系统和方法允许使用借记卡或ATM卡以及持卡人现有的PIN传输电子商务互联网交易。此外，该系统和方法允许通过支付网络和发行金融机构的因特网对这种PIN和交易数据进行安全和加密的传输。在本发明的一个实施例中，使用弹出窗口来获得对用户浏览器的控制以呈现PIN垫，使得用户可以输入与用户的借记卡/ ATM卡相关联的PIN信息。以这种方式，本发明向网页提供借记卡或ATM类型功能。

6. 发明申请

WO2018006056A1 INTERNATIONAL TRADE FINANCE BLOCKCHAIN SYSTEM 审中-公开
标题翻译：国际贸易金融区块系统
公开(公告)号：WO2018006056A1
公开(公告)日：2018-01-04
申请号：PCT/US2017/040450
申请日：2017-06-30
申请人： WELLS FARGO BANK, N.A.
发明人： DOWLING, Michael , THOMPSON, Alexander, R. , LEVITAN, Axel , SEVERINO, Robert, A.
IPC分类号： G06Q40/00
摘要： A method includes generating a blockchain-based letter of credit ("BLC") relating to a contract for a trade transaction between a seller and a buyer. The BLC defines documentary and supply chain flow payment trigger events. The BLC is stored and accessible via a blockchain. A plurality of documentary flow events related to the BLC are tracked and recorded on the blockchain, and are linked to the BLC. A plurality of supply chain flow events related to a physical status of a good involved in the trade transaction are tracked and recorded on the blockchain. Each of the plurality of supply chain flow events are linked to the BLC. Payment for the contract for the trade transaction is transferred to the seller in response to detecting occurrence of both of the documentary and supply chain flow events corresponding to the respective documentary and supply chain flow payment trigger events.
摘要翻译：一种方法包括生成与卖家和买家之间的交易交易的合同有关的基于区块链的信用证（“BLC”）。 BLC定义了文件和供应链流量支付触发事件。 BLC存储并可通过区块链访问。追踪与BLC有关的多个纪实流动事件并将其记录在区块链中，并链接到BLC。跟踪与贸易交易中所涉及的商品的物理状态有关的多个供应链流动事件并将其记录在区块链中。多个供应链流程事件中的每一个链接到BLC。响应于检测到对应于相应文件和供应链流量支付触发事件的文件和供应链流事件两者的发生，将交易交易合同的付款转移给卖方。

7. 发明申请

WO2006093977A2 COMBINED REWARDS SYSTEM AND PROCESS 审中-公开
标题翻译：组合奖励制度和程序
公开(公告)号：WO2006093977A2
公开(公告)日：2006-09-08
申请号：PCT/US2006/007118
申请日：2006-02-27
申请人： WELLS FARGO BANK, N.A.
发明人： ROBINSON, Nancy, J. , WILKINS, Cathleen, Lee , SCOCCI, Dorothy
CPC分类号： G06Q30/02 , G06Q30/0215 , G06Q30/0217 , G06Q30/0222 , G06Q30/0236
摘要： A system and process that awards rewards currency, e.g. cash back rebate or rewards points, for credit card and check card purchases and that provides rewards for a customer's enterprise relationship is provided. Further provided is a methodology for enrollment into the combined rewards program or the relationship rewards program. Further provided is a methodology to show total combined points or cash earned where the points or amount of cash earned are parsed into the various accounts and purchases. Further provided is a methodology to communicate the currency earned by providing customers with periodic statements and newsletters, data online, and data through customer service representatives. Further provided is a mechanism by which to systematically enroll eligible products or services as defined by the enterprise, e.g. where the eligibility may be based on social security numbers or other unique customer numbers.
摘要翻译：授予奖励货币的系统和流程，例如提供现金回扣或奖励积分，用于信用卡和支票卡购买，并为客户的企业关系提供奖励。进一步提供了一种参与组合奖励计划或关系奖励计划的方法。进一步提供一种方法来显示在各种账户和采购中分解现金积分或现金数额的合计积分或现金。进一步提供的方法是通过客户服务代表向客户提供定期报表和通讯，数据在线和数据所赚取的货币。进一步提供了一种机制，通过该机制系统地注册由企业定义的合格产品或服务，例如。其资格可能是基于社会保险号码或其他独特的客户号码。

8. 发明申请

WO2006086768A2 METHOD AND APPARATUS FOR ACCEPTING CHECK DEPOSITS VIA THE INTERNET USING BROWSER-BASED TECHNOLOGY 审中-公开
标题翻译：通过使用基于浏览器的技术接入互联网检查存款的方法和装置
公开(公告)号：WO2006086768A2
公开(公告)日：2006-08-17
申请号：PCT/US2006/005014
申请日：2006-02-10
申请人： WELLS FARGO BANK, N.A.
发明人： BYRNE, Michael, D. , CHUN, Byron, G. , MOLINA, Art , LEE, Frank, S. , STURGIS-GRIFFITH, Stephanie , SAHNI, Bipin, M. , WEISBORD, Gene , YOUNG, Deborah, A.
IPC分类号： G06Q40/00
CPC分类号： G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/1085 , G06Q40/00
摘要： A browser plug-in to drive a device for securely transmitting documents in real-time over the Internet into an enterprise's computing environment is provided. Leveraging the Check Clearing for the 21st Century Act, a system and method for providing a browser plug-in that allows a bank customer to scan checks using a personal computer and deposit the checks via the browser to a bank account is provided.
摘要翻译：提供了一种浏览器插件，用于驱动设备将文档通过Internet实时安全地传输到企业的计算环境中。利用“21世纪检查清算法”，提供了一种提供浏览器插件的系统和方法，该插件允许银行客户使用个人计算机扫描支票，并通过浏览器将支票存入银行账户。

9. 发明申请

WO2006050195A3 GLOBAL REMITTANCE PLATFORM 审中-公开
公开(公告)号：WO2006050195A3
公开(公告)日：2006-05-11
申请号：PCT/US2005/039137
申请日：2005-10-28
申请人： WELLS FARGO BANK, N.A. , AYALA, Daniel, I. , GUTIERREZ, Eugene
发明人： AYALA, Daniel, I. , GUTIERREZ, Eugene
IPC分类号： G06Q40/00
摘要： The invention provides a remittance platform in which an enterprise, such as Wells Fargo, serves as a remittance transfer agent, where the remittance function is integrated with a bank. The invention allows access to the remittance program by both account holders with the enterprise and persons who do not have an account with the enterprise. The person accessing the service may pick the remittance service they want and the country they want. However, the service is not anchored to a particular account and can therefore work with both bank partners and non-bank partners and account holders and non-account holders. Further, the system may be private-labeled. Additionally, the invention provides a mechanism that allows one to send money easily to other countries and it allows bank partners to participate in the program easily as well. This is possible because the enterprise provides all of the processing in an integrated fashion.

10. 发明申请

WO2005045641A2 MASTER SYSTEM OF RECORD 审中-公开
标题翻译：主记录系统
公开(公告)号：WO2005045641A2
公开(公告)日：2005-05-19
申请号：PCT/US2004/036928
申请日：2004-11-04
申请人： WELLS FARGO BANK, N.A.
发明人： LIKAS, John , HECHT, Alan, W. , SCHAIBLE, Arlyn, C. , THOMAS, Robert, Scot
IPC分类号： G06F
CPC分类号： G06F17/3028 , G06F17/30011 , G06Q20/10 , G06Q40/00
摘要： A method and apparatus containing a single master system of record that provides a record of all paper and electronic transactions during a predetermined period of time, that provides capability for directing the retrieval of images stored in multiple and distributed owned and un-owned archives, and that provides a link to all assisting transaction informational data and images, e.g. e-signature, pictures, and handwriting is provided.
摘要翻译：一种包含单个主记录系统的方法和装置，其在预定时间段内提供所有纸和电子交易的记录，其提供用于指导存储在多个和分布式归档和非归档存档中的图像的检索的能力，以及它提供了所有辅助交易信息数据和图像的链接，例如提供电子签名，图片和手写。

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