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1.发明授权公开(公告)号：US12047512B1
公开(公告)日：2024-07-23
申请号：US17528352
申请日：2021-11-17
Applicant: Wells Fargo Bank, N.A.
Inventor： Ashish B. Kurani , Michael Knorr , Erik F. Nelson , Matthew Mullin Shepherd , Laura Marie Fontana
CPC classification number: H04L9/3247 , G06F9/541 , G06Q40/04 , H04L9/0825 , H04L9/50 , H04L2209/56
Abstract: Systems, methods, and computer-readable storage media of wrapping digital assets. One method includes receiving, from a central provider system, a digital asset signed by a central private key associated with a digital asset on a central ledger, and verifying the digital asset based on a central public key. The method further includes updating the digital asset including an assignee field, and receiving an attribute for a second assignee of the digital asset. The method further includes wrapping utilizing the private key of the public and private key pair, the digital asset with the attribute and receiving environmental data. The method further includes determining the at least one condition of the attribute is satisfied, and updating the assignee field.
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公开(公告)号：US20240086939A1
公开(公告)日：2024-03-14
申请号：US18512511
申请日：2023-11-17
Applicant: Wells Fargo Bank, N.A.
Inventor： Kelley Chamberlain , David J. Dietrich , Valeria J. Gray-Lindsey , Michael Knorr , Robert L. Kosicki , Duane F. Lindquist , Michael Mangieri , Maria V. Marmolejos , Jacqueline A. Monteferrario , Yonesy F. Nunez , Leonard J. Valentino
IPC: G06Q30/018 , G06F16/951
CPC classification number: G06Q30/0185 , G06F16/951
Abstract: A computing system includes one or more processing circuits configured to identify an anomaly associated with an electronic transaction, wherein the anomaly is identified based on a profile or pattern of a user. The processing circuits further configured to transmit data corresponding to the anomaly to a user interface. The processing circuits further configured to receive, using the user interface, an indication that one or more risks associated with the anomaly are acceptable. The processing circuits further configured to transmit, to the user interface, an indication of at least one rule violation and information for resolving the at least one rule violation. The processing circuits further configured to receive, from the user interface, a response setting an exception and update the profile of the user, wherein updating comprises changing a classification of the profile of the user based on profile data consistent with the electronic transaction.
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3.发明申请公开(公告)号：US20240412175A1
公开(公告)日：2024-12-12
申请号：US18430637
申请日：2024-02-01
Applicant: Wells Fargo Bank, N.A.
Inventor： Ashish B. Kurani , Michael Knorr , Erik F. Nelson , Matthew Mullin Shepherd , Laura Marie Fontana
Abstract: Systems, methods, and computer-readable storage media of exchanging digital assets using a public key cryptography framework. One method includes encrypting at least one digital asset on an internal ledger and storing the encrypted at least one digital asset on an internal ledger. The method further includes receiving a signed exchange request signed by a first key corresponding with an encrypted digital asset on the internal ledger and providing, to an inter-provider ledger, a second key based on interfacing with the inter-provider ledger based on establishing a first data feed. The method further includes determining the signed exchange request was verified. The method further includes updating a central ledger by interfacing with of the central ledger via an application programming interface (API) based on establishing a second data feed and wherein at least one of a plurality of fields of the encrypted digital asset is a universal field.
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公开(公告)号：US20210334799A1
公开(公告)日：2021-10-28
申请号：US16105609
申请日：2018-08-20
Applicant: Wells Fargo Bank, N.A.
Inventor： Michael Knorr , Aravind Krishnasamy , Jeffrey W. Levy , Maria Marmolejos Mejia , Wesley Sturgis
Abstract: A method of implementing a transaction including receiving, by a transaction computing system from an authorizing computing system, authorization information, generating, by the transaction computing system, an authorization profile based on the authorization information, the authorization profile associated with an authorization profile identifier, and transmitting, by the transaction computing system, the authorization profile identifier. The method further includes receiving, by the transaction computing system from a provider computing system, a request for a transaction, the request including transaction information and the authorization profile identifier, identifying, by the transaction computing system, the authorization profile based on the received authorization profile identifier, determining, by the transaction computing system, that the transaction is authorized based on the authorization profile and the transaction information, implementing, by the transaction computing system, the transaction, and transmitting, by the transaction computing system, confirmation of the transaction.
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公开(公告)号：US11074558B1
公开(公告)日：2021-07-27
申请号：US15582214
申请日：2017-04-28
Applicant: Wells Fargo Bank, N.A.
Inventor： Eileen Johnstone , Michael Knorr , Thomas R. Miller , Catherine Wangari Mwangi , Mercedes Roldan-Colon , Jessica A. Weng
Abstract: A computer-implemented method performed by an access economy payment system includes receiving a request from a consumer to commission an access economy service. The method also includes generating a smart contract based on the requested access economy service and generating a consumer sub-account associated with a consumer financial account and a supplier sub-account associated with a supplier financial account. The method further includes allocating funds to the supplier sub-account and placing a financial hold on the funds allocated to the supplier sub account. The method also includes detecting the initiation of performance of the requested access economy service, monitoring the performance of the initiated access economy service, increasing a financial hold on the funds allocated to the consumer sub-account, and decreasing the financial hold on the funds allocated to the supplier sub-account in real-time based on each of the monitored performance and the terms of the smart contract.
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Patent Agency Ranking
公开(公告)号：US10700875B1
公开(公告)日：2020-06-30
申请号：US15632631
申请日：2017-06-26
Applicant: Wells Fargo Bank, N.A.
Inventor： Jal Daruwalla , Phillip H. Griffin , Ashia D. Kennon , Michael Knorr , Lynnel J. Kresse , Catherine Wangari Mwangi , Joanne Strobel-Cort
Abstract: A system, method, and apparatus for providing a value transfer is provided. A method includes creating, by a mobile device, a value transfer message, the message including terms of a value transfer from an account of a sending party to a receiving party or one or more merchants; signcrypting, by the mobile device, the value transfer message using each of the receiving party's public key and the sending party's public and private keys; and sending, by the mobile device, the signcrypted value transfer message to the receiving party, wherein the receiving party can de-signcrypt the signcrypted value transfer message using each of the receiving party's public and private keys and the sending party's public key, and present the value transfer message to a third party to receive the value transfer.
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公开(公告)号：US12236405B1
公开(公告)日：2025-02-25
申请号：US17385617
申请日：2021-07-26
Applicant: Wells Fargo Bank, N.A.
Inventor： Eileen Johnstone , Michael Knorr , Thomas R. Miller , Catherine Wangari Mwangi , Mercedes Roldan-Colon , Jessica A. Weng
Abstract: Systems, methods, and apparatuses for real-time trickle payments are provided. A system includes a processing circuit configured to: receive a request from a consumer device to commission a service provided by a supplier; place a financial hold on funds allocated to a supplier financial account based on performance terms of a smart contract; detect initiation of performance of the requested service based on performance information from a mobile device associated with the supplier and correlating the performance information to the smart contract; increase a financial hold on funds allocated to a consumer financial account in a hold amount proportional to the monitored performance, and decrease the financial hold on the funds allocated to the supplier financial account in the hold amount proportional to the monitored performance; and, upon the completion of the requested service, release the funds on hold in the supplier financial account.
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公开(公告)号：US12154106B1
公开(公告)日：2024-11-26
申请号：US17833760
申请日：2022-06-06
Applicant: Wells Fargo Bank, N.A.
Inventor： Phillip H. Griffin , Ashia Kennon , Catherine Wangari Mwangi , Jal Daruwalla , Joanne Strobel-Cort , Lynnel J. Kresse , Michael Knorr
Abstract: A method including receiving a signcrypted cross-border payment message, the signcrypted cross-border payment message generated by signcrypting a cross-border payment message using a first financial institution public key, a first financial institution private key, and a second financial institution public key, retrieving the first financial institution public key, the second financial institution public key, and a second financial institution private key, wherein the second financial institution public key and the second financial institution private key are part of a public/private key pair, unsigncrypting the signcrypted cross-border payment message using the first financial institution public key, the second financial institution public key, and the second financial institution private key to retrieve the cross-border payment message, and verifying that the first financial institution public key is associated with a first financial institution.
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公开(公告)号：US11477035B1
公开(公告)日：2022-10-18
申请号：US16914761
申请日：2020-06-29
Applicant: Wells Fargo Bank, N.A.
Inventor： Jal Daruwalla , Phillip H. Griffin , Ashia D. Kennon , Michael Knorr , Lynnel J. Kresse , Catherine Wangari Mwangi , Joanne Strobel-Cort
Abstract: A system, method, and apparatus for carrying out a value transfer is provided. A method includes receiving, by a computing system of a financial institution, a de-signcrypted value transfer message including terms of a value transfer from an account of a sending party to an account of a merchant, wherein a receiving party desires to make a purchase from the merchant and the value transfer is a payment from the sending party account to the merchant account; and one or more spending limitations on the desired purchase, wherein the payment is contingent on the desired purchase meeting the spending limitations. The method then includes verifying the authenticity of the de-signcrypted message using a public key of the sending party and a private key of the financial institution; and dispersing funds according to the terms of the value transfer.
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公开(公告)号：US11354660B1
公开(公告)日：2022-06-07
申请号：US15963652
申请日：2018-04-26
Applicant: Wells Fargo Bank, N.A.
Inventor： Phillip H. Griffin , Ashia Kennon , Catherine Wangari Mwangi , Jal Daruwalla , Joanne Strobel-Cort , Lynnel J. Kresse , Michael Knorr
IPC: G06Q20/38
Abstract: Various embodiments relate to a method performed by a processor of a computing system. An example method includes receiving a digitally signed cross-border payment message, the digitally signed cross-border payment message generated by digitally signing a first hash of a cross-border payment message with a first financial institution private key. A first financial institution public key is retrieved, the first financial institution public key of a public/private key pair that includes the first financial institution private key. The first financial institution public key is verified that it is associated with a first financial institution. A second hash of the cross-border payment message is generated. The second hash is digitally signed with the first financial institution public key to generate a verification cross-border payment message, wherein data integrity of the cross-border payment message can be verified if the verification cross-border payment message matches the digitally signed cross-border payment message.
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