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10 条记录 (耗时 0.017 秒)

    Biometric token that functions as a universal identifier
    1.
    发明授权
    Biometric token that functions as a universal identifier 有权

    公开(公告)号：US11270309B1

    公开(公告)日：2022-03-08

    申请号：US15003390

    申请日：2016-01-21

    申请人： Wells Fargo Bank, N.A.

    发明人： Jinee K. Ellis ,  Timothy R. Knowlton ,  Ashish B. Kurani ,  Steven E. Puffer

    IPC分类号： G06Q20/00 ,  G06Q20/40

    摘要： Systems and methods for identifying a user to a merchant are described. A token service provider facilitates the identification of the user. Identifying the user at the merchant is accomplished by the user broadcasting a token associated with the user or by the merchant capturing a biometric of the user. The token or biometric is sent to the token service provider computing system. The token service provider computing system identifies the user based on the token or biometric. The token service provider computing system may send user information associated with the token and the user to the merchant computing system.

    Systems and methods for improved project management
    6.
    发明授权
    Systems and methods for improved project management 有权

    公开(公告)号：US11074530B1

    公开(公告)日：2021-07-27

    申请号：US16229384

    申请日：2018-12-21

    申请人： Wells Fargo Bank, N.A.

    发明人： Abraham Drucker ,  Khushbu Katariya ,  Timothy R. Knowlton ,  Shelby K. Morita-Fowler ,  Brian M. Pearce ,  Dana Roytenberg ,  John T. Wright

    IPC分类号： G06Q10/06 ,  G06Q40/00

    摘要： A method for managing a budget includes determining, by a budget management system, funds of a project management account that are to be routed to a task manager for a project. The determining comprises: determining a current progress of a task managed by the task manager, the task included in a budget for the project that identifies the task manager and that includes payment information for the task manager that specifies a financial account, determining an amount owed to the task manager, and setting the amount owed to the task manager as the amount of the funds to be routed to the task manager. The method further comprises transmitting, by the budget management system to a financial computing system, a request to transfer the determined funds to the financial account specified by the payment information.

    Token management systems and methods
    7.
    发明授权
    Token management systems and methods 有权

    公开(公告)号：US10565364B1

    公开(公告)日：2020-02-18

    申请号：US15380966

    申请日：2016-12-15

    申请人： Wells Fargo Bank, N.A.

    发明人： Azita Asefi ,  Jinee K. Ellis ,  Alan W. Hecht ,  Timothy R. Knowlton ,  Ashish B. Kurani ,  Steven E. Puffer ,  Young M. Yang

    IPC分类号： G06F21/45 ,  G06F21/30 ,  G06F21/31 ,  G06Q20/36

    摘要： Token management systems and methods are described. The token management systems and methods are configured to receive a plurality of tokens from a plurality of entities associated with a user and to enable the user to manage the tokens in a secure, convenient, efficient, and time-saving manner. The token management system may be accessed with a user device. In some arrangements, the token management system is structured to receive a registration request from a user, request a plurality of tokens from different entities where the user has associated tokens, and to provide various token management functions to the user. The token management functions allow the user to change, reassociate, activate, and deactivate the tokens, as well as create new tokens.

    Token management systems and methods
    9.
    发明授权
    Token management systems and methods 有权

    公开(公告)号：US11281765B1

    公开(公告)日：2022-03-22

    申请号：US16723903

    申请日：2019-12-20

    申请人： Wells Fargo Bank, N.A.

    发明人： Azita Asefi ,  Jinee K. Ellis ,  Alan W. Hecht ,  Timothy R. Knowlton ,  Ashish B. Kurani ,  Steven E. Puffer ,  Young M. Yang

    IPC分类号： G06F21/45 ,  G06F21/30 ,  G06F21/31 ,  G06Q20/36

    摘要： A method of managing tokens is provided. The method includes receiving, by a token management system from a user device, a request from a user to register a token with the token management system. The token is associated with the user and is stored by an entity computing system associated with a first entity of a plurality of entities. Each of the plurality of entities is associated with an entity computing system that stores at least one token of a plurality of tokens that are each registered with the token management system and each associated with the user. The method further includes modifying, by the token management system, the token stored by the entity computing system associated with the first entity based on a token command from the user. The modification includes associating the token with a different entity of the plurality of entities relative to the first entity.