Chate Yap

Title: Chate Yap: Innovator in Payment Systems

Introduction

Chate Yap is a notable inventor based in Orinda, CA (US), recognized for his contributions to payment systems technology. He holds a total of 3 patents, showcasing his innovative approach to enhancing electronic payment processes.

Latest Patents

One of Chate Yap's latest patents is the "Biller directory and payments engine architecture." This invention involves a payer computing system that includes a processing resource, a memory resource, and computer-executable instructions. These instructions enable the system to receive electronic payment requests and generate requests to access a biller computing system using a payer electronic token. The system efficiently manages payment transactions based on the information received from the biller.

Another significant patent is the "Biller consortium enrollment and transaction management engine." This method involves receiving electronic enrollment requests and displaying interactive controls for user authentication. The process ensures secure enrollment for users holding accounts with billers, enhancing the overall efficiency of transaction management.

Career Highlights

Chate Yap is currently employed at Wells Fargo Bank, N.A., where he applies his expertise in developing innovative payment solutions. His work at the bank has allowed him to contribute significantly to the financial technology landscape.

Collaborations

Chate has collaborated with notable colleagues, including Alan W. Hecht and Sotirios K. Barkas, further enriching his professional experience and expanding his innovative reach.

Conclusion

Chate Yap's contributions to payment systems through his patents and work at Wells Fargo Bank highlight his role as a key innovator in the financial technology sector. His inventions are paving the way for more efficient and secure electronic payment processes.