Wells Fargo Bank, N.a.

Abhijit Shetti

Rameshchandra Bhaskar Ketharaju

Chris Theodore Kalaboukis

Ramanathan Ramanathan

Joon Maeng

Abhijit Rao

Andrew J Garner, Iv

Nikolai Stroke

Uma Meyyappan

Darius A Miranda

Laura Marie Fontana

Duc M Trinh

Rajiv Ranjan

Todd Biggs

Mabel Oza

Chandramouli Subramanian

Dennis Emmanuel Montenegro

Muhammad Farukh Munir

Tyua Larsen Fraser

Stephen M Ellis

Stanislav Roumiantsev

Pankaj Parekh

Lei Han

Susanne Carr

Margaret Mangot

Deborah M Ball

Brad J Shoff

A method for preventing the double-spending of digital currency that transfers between multiple distributed ledger technology (DLT) networks. The method includes receiving a message including a smart contract and executing the smart contract. The method further includes detecting a transaction request to transfer the first digital currency from the first DLT network to the second DLT network. The method further includes destroying the digital currency and creating, based on the unit of fiat currency, a second digital currency of a second type on the second DLT network. The method further includes transferring, responsive to detecting the transaction request, the first digital currency from the first DLT network to the second DLT network.

Bank-driven model for preventing double spending of digital currency transferred between multiple DLT networks using a trusted intermediary

A method may include, receiving, at a server device and from a requesting computing device associated with a requesting user, a request for a data item. The data item configured may be configured as a data structure and include an encrypted data payload; metadata identifying a source of the payload and when the data payload was captured; and a token identifying an owner of the data item and access rights to the data item. The method may include parsing the token to identify the owner of the data item; transmitting the request for the data item to a computing device associated with the owner; receiving a response from the computing device. The response may indicate the requesting user may access the data item, and in response, transmit a decryption key to the requesting computing device for the encrypted data payload. The method may include updating the token.

System for data access token management

Systems and methods may generally include sending an executable application, which when executed, automatically causes a monetary transfer. An example method may include performing, at a first user device, a handshake with a second user device, receiving, during the handshake, an operating capability of the second user device, and configuring, based on the operating capability of the second user device, an executable application, which when executed, automatically causes a monetary transfer to occur. The configured executable application may be sent to the second user device for execution.

Transfer via transaction app

A system and method for preventing the double-spending of digital currency that transfers between multiple DLT networks. The system and method includes creating a first digital currency of a first type on the first DLT network stored in a digital wallet, the first digital currency associated with a second digital currency of a second type on a second DLT network, configuring a monitoring agent on the node, the monitoring agent configured to intercept at least one of a function call, a message, or an event on the digital wallet, and locking, responsive to intercepting the at least one of the function call, the message, or the event, the first digital currency onto the first DLT network to prevent a transfer of the first digital currency from the digital wallet on the first DLT network to another DLT network responsive to a subsequent transaction request.

Bank-driven model for preventing double spending of digital currency coexisting on multiple DLT networks

Systems and methods may generally be used to securely store an executable file or to compile a securely stored executable file. An example method may include receiving an executable file for long-term storage, segmenting the executable file into a plurality of file segments, encrypting a file segment of the plurality of file segments, storing the plurality of file segments, and retrieving the file segment based on a segment identity for the file segment. The file segment may be output, for example to a requesting device.

Secured file storage

Systems and methods for facilitating optimization of documents based on prior interactions according to one or more example embodiments are shown. Such systems and methods make use of analyzing information obtained from financial institution computing system as well as other third party networks. Such systems and methods also make use of analyzing information stored from previous interactions with documents (e.g., financial disclosures). In some embodiments, this analysis of data allows for documents, such as disclosure documents, to emphasize features or sections that are of particular interest to the individual receiving the document. Information associated with one or more sections of a disclosure document may be pushed to account holders based on a disclosure associated event.

Optimizing display of disclosure based on prior interactions

Various examples are directed to computer-implemented systems and methods for providing an automated data agent monitoring bot. A method includes receiving, by a processor of a computer, input from a user requesting monitoring of user data generation and access on an application or website. The processor analyzes terms of service of the application or website where the user data is used or generated, and programs a monitoring bot configured to monitor the user data based on the terms of service and the received input. The monitoring bot tracks third-party access to the user data based on the terms of service, notifies the user regarding the tracked third-party access, and provides options to the user to control or monetize the tracked access to the user data.

Automated data agent monitoring bot

A method may include, receiving, at a server device and from a requesting computing device associated with a requesting user, a request for a data item. The data item configured may be configured as a data structure and include an encrypted data payload; metadata identifying a source of the payload and when the data payload was captured; and a token identifying an owner of the data item and access rights to the data item. The method may include parsing he token to identify the owner of the data item; transmitting the request for the data item to a computing device associated with the owner; receiving a response from the computing device. The response may indicate the requesting user may access the data item, and in response, transmit a decryption key to the requesting computing device for the encrypted data payload. The method may include updating the token.

A financial institution computing system associated with a financial institution includes an account management circuit. The account management circuit is configured to receive, by the network interface, a customer request to establish a checking account at the financial institution, create first and second checking accounts for the customer, the first checking account having a payment card associated therewith, the second checking account not having any payment cards associated therewith, receive, by the network interface, information regarding a funding amount for the first and second payment accounts, receive, by the network interface, information regarding a first expense of the customer, and fund the second account with a first portion of the funding amount based on the information regarding the first expense.

Interactive banking using multiple checking accounts

Systems and techniques for data creation limits are described herein. In an example, a data creation limits system is adapted to receive data and split the data into a plurality of portions based on entity interests in each of the plurality of portions. The data creation limits system may be further adapted to generate respective tokens for each portion of the plurality of portions. The data creation limits system may be further adapted to assign an owner to a token of the respective tokens, the token corresponding to a portion of the plurality of portions and assigning the owner based on the owner having an entity interest in creation of the portion. The data creation limits system may be further adapted to generate a script, using the token, for access to the portion. The data creation limits system may be further adapted to save the portion including the token.

Data creation limits

A system and method for preventing the double-spending of digital currency that transfers between multiple DLT networks. The system and method includes creating, based on a unit of fiat currency, a first digital currency of a first type on a first DLT network and a second digital currency of a second type on a second DLT network. Each of the first digital currency and the second digital currency simultaneously represent a value associated with the unit of fiat currency. The system and method includes detecting a transaction request to transfer the first digital currency from the first DLT network to the second DLT network. The system and method include locking, responsive to detecting the transaction request, the first digital currency onto the first DLT network to prevent a transfer of the first digital currency from the first DLT network to another DLT network responsive to a subsequent transaction request.

A system and method for preventing the double-spending of digital currency that transfers between multiple distributed ledger technology (DLT) networks. The system and method includes receiving an authorization to monitor transaction requests associated with a first DLT network. The system and method includes detecting a transaction request to transfer the first digital currency from the first DLT network to the second DLT network. The first digital currency is created on the first DLT network based on a unit of fiat currency. The system and method include transferring, responsive to detecting the transaction request, the first digital currency from the first DLT network to the second DLT network.

Various examples are directed to computer-implemented systems and methods for providing a pseudonymous browsing mode. A method includes receiving, by a processor of a computer, input from a user requesting a level of anonymity for a session on an application or website, where the level of anonymity is between open browsing and completely incognito browsing. The processor programs an avatar configured to provide the level of anonymity to an identity of the user and data generated by the user based on the received input. The processor uses the avatar to control an amount of data shared by the user with the application or website to provide the level of anonymity to an identity of the user and data generated by the user.

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Pleasanton, CA, United States of America

Abhijit Shetti