公开(公告)号：US12120269B2

公开(公告)日：2024-10-15

申请号：US18347997

申请日：2023-07-06

申请人： Wells Fargo Bank, N.A.

发明人： Kristin H. Deegan ,  Matthew G. Vanhouten ,  Uma Meyyappan ,  Jennifer Toby Whateley ,  Balinder Singh Mangat ,  Upul D. Hanwella ,  Kimarie Pike Matthews ,  Maria J. Latorre ,  Scott Edward Pitchford

IPC分类号： G06F15/16 ,  G06F40/295 ,  G06F40/30 ,  H04L51/02 ,  H04L51/04 ,  H04L51/52 ,  H04M3/51

CPC分类号： H04M3/5191 ,  G06F40/295 ,  G06F40/30 ,  H04L51/02 ,  H04L51/04 ,  H04L51/52

摘要： Disclosed are methods, systems, and machine-readable mediums which provide for customer chatbots that detect a customer handoff condition and in response, transferring the customer to a communication session with a live agent. The handoff condition may comprise an inability to understand the customer, an inability to answer the customer's question, expressions of frustration or anger on the part of the customer, a customer's express request to be transferred, or the like. The live agent may receive a complete history of the conversation with the chatbot so that the customer does not have to repeat him or herself to the live agent. The chatbot chat session may be linked to a social networking account of the customer and may take place in association with a social networking profile page of the company.

公开(公告)号：US11853933B1

公开(公告)日：2023-12-26

申请号：US16942582

申请日：2020-07-29

申请人： WELLS FARGO BANK, N.A.

发明人： Nathan Coles ,  Darren M. Goetz ,  Uma Meyyappan ,  Dennis Montenegro ,  Steve Perez ,  Debarchana Roy

IPC分类号： G06Q10/06 ,  G06Q10/0631 ,  G06Q30/016 ,  G06Q10/10 ,  G06Q30/018 ,  G06N20/00 ,  G06N5/04 ,  G06Q40/02

CPC分类号： G06Q10/063114 ,  G06N5/04 ,  G06N20/00 ,  G06Q10/06316 ,  G06Q10/10 ,  G06Q30/016 ,  G06Q30/0185 ,  G06Q40/02

摘要： Systems, methods, and apparatuses for completing an action requested by a customer are described herein. A requested action is received from the customer. A customer task for completion of the requested action to be performed by the customer is identified. An interaction board is generated that is accessible by the customer and accessible an employee associated with a provider. The interaction board is displayable via a graphical user interface and includes the customer task. An indication is received from the customer that the customer task has been completed prior to a customer interaction. The interaction board is updated to indicate that the customer task has been completed prior to the customer interaction. Information associated with the requested action is received from a customer device during the customer interaction. The interaction board is updated to include the information received from the customer device during the customer interaction.

公开(公告)号：US11842586B1

公开(公告)日：2023-12-12

申请号：US17542859

申请日：2021-12-06

申请人： Wells Fargo Bank, N.A.

发明人： Darren M. Goetz ,  Chris Kalaboukis ,  Lisa R. Magana ,  Andrew L. Martinez ,  Uma Meyyappan ,  Dennis E. Montenegro ,  Marla M. Pacis ,  Timothy R. Ward

IPC分类号： G06Q20/00 ,  G07C9/00 ,  H04L9/40 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/40

CPC分类号： G07C9/00309 ,  G06Q20/1085 ,  G06Q20/3223 ,  G06Q20/4014 ,  H04L63/0869

摘要： Systems and methods for mutual authentication of a user and a container administrator computer system. A container administrator computer system receives a request from a mobile computing device for a user to access a secure container. The request includes a user identifier. The administrator system receives a first authentication factor corresponding to the user. The administrator system authenticates the user by verifying that the first authentication factor matches a first reference authentication factor associated with the user identifier. The administrator system sends a second authentication factor associated with the administrator system to a human-machine interface associated with the secure container or the mobile computing device. The administrator system receives a notification of authentication of the administrator system using the authentication factor. The administrator system transmits an unlock signal to unlock the secure container.

公开(公告)号：US11620866B1

公开(公告)日：2023-04-04

申请号：US16156701

申请日：2018-10-10

申请人： Wells Fargo Bank, N.A.

发明人： Darren M. Goetz ,  Chris Kalaboukis ,  Lisa R. Magana ,  Andrew L. Martinez ,  Uma Meyyappan ,  Dennis E. Montenegro ,  Marla M. Pacis ,  Timothy R. Ward

IPC分类号： G07C9/00 ,  G06Q20/40 ,  G06V20/00

摘要： Disclosed herein are systems and methods for executing a transaction via a locker. A seller is provided initial access to the locker to deposit a good in the locker. The seller deposits the good in the locker. Following the seller depositing the good in the locker, the seller's access is revoked, and the buyer is provided access to the locker. The buyer may then arrive at the locker and provide authentication information to an authentication device. When the buyer is authenticated, the locker door (with the good inside the locker) is unlocked. The buyer can then inspect and accept the good. When the good is accepted, funds may be transferred from an account associated with the buyer to an account associated with the seller.

公开(公告)号：US11536081B1

公开(公告)日：2022-12-27

申请号：US17073619

申请日：2020-10-19

申请人： WELLS FARGO BANK, N.A.

发明人： Darren M. Goetz ,  Chris Kalaboukis ,  Lisa R. Magana ,  Andrew L. Martinez ,  Uma Meyyappan ,  Dennis E. Montenegro ,  Marla M. Pacis ,  Timothy R. Ward

IPC分类号： G06Q10/08 ,  E05B63/00 ,  E05G1/08 ,  E05G1/06 ,  G06Q20/40 ,  G06Q20/18 ,  G07C9/00 ,  E05G1/024 ,  E05G1/026

摘要： Various embodiments, relate to a system of lockers including a plurality of tracks and a plurality of walls. At least two of the plurality of walls slidably coupled to at least two of the plurality of tracks. Four of the plurality of walls form four sides of a locker cavity. The system also includes a plurality of doors. Each of the plurality of doors are oriented perpendicular to the plurality of the walls. A first door of the plurality of doors is coupleable to a second door of the plurality of doors so as to form a third door, and at least one of the plurality of doors form one side of the locker cavity. The system also includes a back wall, which forms one side of the locker cavity. The system further includes a lock for securing positions of the plurality of walls and of the plurality of doors.

公开(公告)号：US11093926B1

公开(公告)日：2021-08-17

申请号：US16181028

申请日：2018-11-05

申请人： Wells Fargo Bank, N.A.

发明人： Uma Meyyappan ,  Sivesh Thangarajah ,  James Dalton Cahill ,  Ramanathan Ramanathan ,  Bipin Sahni

IPC分类号： G06Q20/30 ,  G06Q40/00 ,  G06Q10/00 ,  G06Q20/32 ,  G06Q30/02 ,  G06Q20/40

摘要： Systems and methods for recommending purchase of a new smart appliance are described. The method includes receiving operational information relating to a first smart appliance. The method includes predicting, based on the operational information, a future date by which the first smart appliance will be required to be replaced by a second smart appliance. The method includes estimating, based on financial history of a user, a budget capacity for the user to purchase the second smart appliance. The method includes determining, based on the user's budget capacity and a predicted operating cost of the first smart appliance, a recommended date to purchase the second smart appliance. The recommended date is no later than the future date. The method includes providing the estimated budget capacity and the recommended date to the user.

公开(公告)号：US20210019797A1

公开(公告)日：2021-01-21

申请号：US14990099

申请日：2016-01-07

申请人： Wells Fargo Bank, N.A.

发明人： Uma Meyyappan ,  Bipin Sahni

IPC分类号： G06Q30/06 ,  G06Q50/00 ,  H04L29/08 ,  H04L12/58

摘要： A social media computing system is described. The social media computing system provides a social media platform to a plurality of users. Additionally, the social media computing system provides merchants the ability to provide targeted offers to users of the social media platform. As used herein, the word “merchants” also includes service providers. The offers relate to goods or services provided by the merchants. In some situations, the offers are transmitted by the social media computing system to user devices based on requests by the users. In other situations, the offers can be transmitted directly from the merchants to the user devices based on determined locations of the user devices.

公开(公告)号：US10803450B1

公开(公告)日：2020-10-13

申请号：US15869317

申请日：2018-01-12

申请人： Wells Fargo Bank, N.A.

发明人： Stephen M. Ellis ,  Michael J. Kennedy ,  Ashish Bhoopen Kurani ,  Melissa Lowry ,  Uma Meyyappan ,  Bipin M. Sahni ,  Nikolai Stroke

IPC分类号： G06Q20/36

摘要： A mobile device is configured to receive a first receipt pertaining to a first mobile wallet transaction of a user, the first receipt being a digital receipt and receive information pertaining to a plurality of transactions of the user. The mobile device is also configured to capture an image of a second receipt pertaining to the second mobile wallet transaction of the user, the second receipt being a physical receipt. The mobile device is also configured to generate an image of the first receipt of the use and extract identifying information regarding the first and second mobile wallet transactions from the first and second images, identify the first and second mobile wallet transactions within the plurality of transactions based on information extracted from the images of the first and second receipts, and associate the images of the first and second receipts with the first and second mobile wallet transactions.

公开(公告)号：US10776779B1

公开(公告)日：2020-09-15

申请号：US15869598

申请日：2018-01-12

申请人： Wells Fargo Bank, N.A.

发明人： Stephen M. Ellis ,  Michael J. Kennedy ,  Ashish Bhoopen Kurani ,  Melissa Lowry ,  Uma Meyyappan ,  Bipin Sahni ,  Nikolai Stroke

IPC分类号： G06Q20/36

摘要： A method of tracking mobile wallet transaction receipts is provided. The method includes: associating an email address with a mobile wallet, the mobile wallet storing information corresponding to a plurality of mobile wallet transactions; accessing an email inbox associated with the email address, the email inbox containing a plurality of emails received at the email address; identifying, in the email inbox, a receipt email containing a receipt; forwarding the receipt email to a mobile wallet email inbox associated with the mobile wallet; determining receipt information from the receipt; and associating the receipt with one or more of the plurality of mobile wallet transactions based on the receipt information.

公开(公告)号：US10296930B1

公开(公告)日：2019-05-21

申请号：US15243901

申请日：2016-08-22

申请人： Wells Fargo Bank, N.A.

发明人： Stephen M. Ellis ,  Michael J. Kennedy ,  Ashish Bhoopen Kurani ,  Melissa Lowry ,  Uma Meyyappan ,  Bipin Sahni ,  Nikolai Stroke

IPC分类号： G06Q30/02 ,  G06Q20/36

摘要： A computer-implemented system and method for providing offers to a mobile device includes receiving at least one offer from at least one merchant at an offer computer system and determining, by the offer computer system, an offer to present on the mobile device based on at least one characteristic of a user of the mobile device, the offer providing the user a discount from a price of a product or service. The method includes receiving a request for a code to provide to a merchant, the code being generated for the mobile device that belongs to the user. The method includes receiving, from a mobile device, an indication from the user to use the offer and sending, by the offer computer system, to the mobile device an offer code to be displayed on the mobile device to be received by a merchant.