公开(公告)号：US20240331042A1

公开(公告)日：2024-10-03

申请号：US18190759

申请日：2023-03-27

Applicant: Wells Fargo Bank, N.A.

Inventor： Cecil B. Burrowes ,  Debashis Ghosh ,  Lynne Sanders ,  Carrie Anne Hanson

IPC: G06Q40/06

CPC classification number: G06Q40/06

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for sharing financial profiles. An example method includes determining, by a financial profile identification engine, a financial footprint of an individual and analyzing, by a financial profile analysis engine, the financial footprint of the individual to identify a financial data conflict between the first set of financial data and the second set of financial data. The example method further includes determining, by the financial profile analysis engine, one or more actions to resolve the financial data conflict and generating, by secure data circuitry, a secured financial update dataset based on a conflict response. The example method further includes transmitting, by communications hardware, the secured financial update dataset to one or more of the first financial institution and the second financial institution.

公开(公告)号：US11961389B2

公开(公告)日：2024-04-16

申请号：US18120572

申请日：2023-03-13

Applicant: Wells Fargo Bank, N.A.

Inventor： Debashis Ghosh ,  Carrie Anne Hanson ,  Elizabeth S. Votaw

IPC: H04B3/36 ,  G08B6/00 ,  H04B1/3827

CPC classification number: G08B6/00 ,  H04B1/385

Abstract: Disclosed in some examples are methods, systems, devices, and machine-readable mediums which provide a wearable device, such as a smart ring, that provides feedback to guide users in performing physical tasks. Tasks may include tasks associated with an application executing on a mobile device of the user.

公开(公告)号：US20240354845A1

公开(公告)日：2024-10-24

申请号：US18303420

申请日：2023-04-19

Applicant: Wells Fargo Bank, N.A.

Inventor： Zoran Stanisljevic ,  Cecil B. Burrowes ,  Debashis Ghosh ,  Nadia Van De Walle

IPC: G06Q40/03 ,  G06Q10/04 ,  G06Q10/0635

CPC classification number: G06Q40/03 ,  G06Q10/04 ,  G06Q10/0635

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for continuous evaluation of customer credit. An example method includes receiving, by communications hardware, historical customer financial data, and generating, by user profile circuitry and based on the historical customer financial data, a user credit profile. The example method further includes receiving, by the communications hardware, real-time customer financial data, and updating, by the user profile circuitry and based on the real-time customer financial data, the user credit profile. The example method further includes receiving, by the communications hardware and from a server device, a request for credit data, wherein the credit data is based on the user credit profile, and transmitting, by the communications hardware, the credit data to the server device.

公开(公告)号：US20240330970A1

公开(公告)日：2024-10-03

申请号：US18193273

申请日：2023-03-30

Applicant: Wells Fargo Bank, N.A.

Inventor： Debashis Ghosh ,  Maria Chiarenza ,  Stephanie Simon ,  Daniel Mertes

IPC: G06Q30/0207

CPC classification number: G06Q30/0224 ,  G06Q30/0236

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for assessing affiliate program eligibility of a candidate user. An example method includes determining an engagement status of the candidate user with respect to an organizational entity determined to be associated with the candidate user. The method further includes evaluating whether the candidate user is eligible for one or more affiliate programs based on the engagement status for the candidate user with respect to the organizational entity and in an instance the candidate user is eligible for at least one of the one or more affiliate programs, generating an eligibility notification, wherein the eligibility notification describes the one or more affiliate programs for which the candidate user is eligible. The method further includes providing the eligibility notification to the candidate user.

公开(公告)号：US20240320733A1

公开(公告)日：2024-09-26

申请号：US18188283

申请日：2023-03-22

Applicant: Wells Fargo Bank, N.A.

Inventor： Tanisha Patterson-Powe ,  Matthew Degenhardt ,  Kourtney Eidam ,  Lynne Sanders ,  Anjali Shah ,  Debashis Ghosh ,  Cecil B. Burrowes ,  Nadia Van De Walle ,  Carrie Anne Hanson

IPC: G06Q40/02 ,  G06F21/32 ,  G06Q20/10

CPC classification number: G06Q40/02 ,  G06F21/32 ,  G06Q20/1085

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for facilitating banking activities via an anonymous digital profile. An example method receiving, by communications hardware, a secured activity request comprising a first identifying metric of an individual and a requested banking activity identifier. The example method also includes determining, by data analysis circuitry, that the individual is not a banked customer. The example method also includes generating, by profile generation circuitry, a digital profile based on the first identifying metric, wherein generating the digital profile does not create a banked relationship with the individual, and wherein the digital profile defines a predefined set of banking activities for which the individual is authorized to perform.

公开(公告)号：US20250029457A1

公开(公告)日：2025-01-23

申请号：US18065454

申请日：2022-12-13

Applicant: Wells Fargo Bank, N.A.

Inventor： Debashis Ghosh ,  Kurt D. Newman

IPC: G07F19/00 ,  G06Q30/0251

Abstract: Techniques are described for providing financial institution-specific branding and transactions based on a transaction request initiated by a user at a digital ink ATM and subsequent receipt of a cryptogram from the user's payment card at the digital ink ATM. An ATM server device receives the cryptogram from the digital ink ATM and, based on identifying information included in the cryptogram, determines the financial institution associated with the payment card. The ATM server device then communicates with a bank server device associated with the financial institution to authenticate the user. Upon authentication, the bank server sends a file containing branding information specific to the financial institution to the ATM server. The ATM server then sends instructions to the digital ink ATM displays, including a digital ink display, to display the branding information to the user. The bank server device then authorizes performance of the transaction at the digital ink ATM.

公开(公告)号：US20250023901A1

公开(公告)日：2025-01-16

申请号：US18352848

申请日：2023-07-14

Applicant: Wells Fargo Bank, N.A.

Inventor： Rameshchandra Bhaskar Ketharaju ,  Ashutosh Verma ,  Debashis Ghosh ,  Shuvam Sengupta

IPC: H04L9/40

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for regulating data communication. An example method includes receiving, by transaction circuitry, a communication request and identifying, by data collection engine and based on the communication request, a set of security parameters. The example method further includes determining, by security analysis engine and based on the set of security parameters, a security score associated with the communication request and in an instance in which the security sore fails to satisfy a security requirement, determining, by the security analysis engine, one or more security actions based on the security score and performing, by the transaction circuitry, the one or more security actions. The example method further includes routing, by data regulation engine and based on a configuration table, a transaction associated with the communication request to a compliant communication channel.

公开(公告)号：US20240380759A1

公开(公告)日：2024-11-14

申请号：US18313711

申请日：2023-05-08

Applicant: Wells Fargo Bank, N.A.

Inventor： Matt T. Graves ,  Debashis Ghosh

IPC: H04L9/40 ,  G06F9/54

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for securely presenting a context-aware user notification to a user using a facility device. An example method includes receiving a user participation request for the user, wherein the user participation request comprises (i) a user characteristic attribute set and (ii) a user identification attribute set and determining a current user location based on the user characteristic attribute set and a temporal image set. The method further includes generating a display configuration set for a facility device indicative of instructions for the facility device for displaying the context-aware user notification based on the current user location. The method further includes generating the context-aware user notification based on the current user location and the user identification set and providing a display message to the facility device, wherein the display message comprises the context-aware user notification and the display configuration set.

公开(公告)号：US20240331035A1

公开(公告)日：2024-10-03

申请号：US18192458

申请日：2023-03-29

Applicant: Wells Fargo Bank, N.A.

Inventor： Debashis Ghosh ,  Poonam Rao ,  Nadia Van De Walle ,  Angela Melita Maryland

IPC: G06Q40/03

CPC classification number: G06Q40/03

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for facilitating sensitive data interpretation across disparate systems. An example method includes receiving, by communications hardware, a historical dataset of events having occurred within a first jurisdiction in association with an individual. The example method also includes receiving, by the communications hardware, a request associated with the first individual and a second jurisdiction. The example method also includes receiving, by an assessment engine, a predefined metrics set for the second jurisdiction. The example method also includes determining, by the assessment engine and based on the predefined metrics set, a subset of the historical dataset that is relevant to the second jurisdiction. The example method also includes utilizing, by the assessment engine, the subset of the historical dataset in connection with a credit assessment of the first individual in the second jurisdiction.

公开(公告)号：US12105787B1

公开(公告)日：2024-10-01

申请号：US17247144

申请日：2020-12-01

Applicant: Wells Fargo Bank, N.A.

Inventor： Carrie Anne Hanson ,  Debashis Ghosh

IPC: G06F21/34 ,  G06F3/01 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q40/02 ,  G07C9/00 ,  H04B1/3827 ,  H04W76/14

CPC classification number: G06F21/34 ,  G06F3/017 ,  G06Q20/321 ,  G06Q20/3821 ,  G06Q20/405 ,  G06Q40/02 ,  G07C9/00309 ,  G07C9/00912 ,  H04B1/385 ,  H04W76/14 ,  G06F2221/2137 ,  H04B2001/3861

Abstract: Disclosed are embodiments for pairing wearable electronic devices, such as smart rings. The paired smart rings are configured so as to provide access to certain resources requiring a higher level of security. In some embodiments, a credential is sharable between the two devices. Thus, a bank manager is able to transfer a credential providing access to bank resources to a second bank employee. The bank manager is able to configure is time and/or use limit on the transferred credential. Thus, for example, by transferring the credential, the bank manager is able to delete certain authority to the bank employee while also limiting that authority as appropriate.