Wells Fargo Bank, N.a.

Wachovia Corporation

Andrew J Garner, Iv

Ramanathan Ramanathan

Abhijit Rao

Chris Theodore Kalaboukis

Rameshchandra Bhaskar Ketharaju

Andres J Saenz

Joon Maeng

Ramesh Yarlagadda

Michael Erik Meinholz

Pierre Arbajian

Adam M Sanders

Bradford A Shea

Kourtney Eidam

Rajib Roy

Dennis Emmanuel Montenegro

Bryan D Hall

Daniel David

Nikolai Stroke

Darrell Lee Suen

Laura Marie Fontana

Duc M Trinh

Abhijit Shetti

Tyua Larsen Fraser

Omar B Khan

Kimberly Ann MacInnis

Pierre Arbadjian

Mabel Oza

Todd Biggs

Paul R McMahon

Zhong Wan

Dinakar Channakal Krishnappa

H Brock Kolls

Michael Thomas Duke

Douglas C Rambo

Steven M Trudeau

Nick A Maiorana

Joseph R Kaluzny

Aimee Joan Hewitt

Scott T Dalton

Raziq Yaqub

Prasanth Nandanuru

Eduardo DeLa Torre

Chinababu Kona

Shiju Thukalankuzhy John

Yevanna M Yejjala

Sai Krishna Verma Sundaragiri

Priyanka Amara

Kory Bunya

Paul Vittimberga

Imran Haider

Beth S Moss

Nicola A Maiorana

Daniel S Sumner

Brian J Jacobsen

Timothy R Knowlton

Laura Lee Orcutt

Prasanna Kumar Ammiraju

Chemere Davis

Ximing Zhao

Matthew Martinez

Terry H Beck

David T Bellinger

John L Miller, Jr

Jennifer G Spratley

Lisa G Hukari

Lolita Wang

Gail Elizabeth Stuart

Dibyendu Chatterjee

Kshitindra Kumar Jain

Ravindar Rao Perala

Dinesh Sangtani

Mohan Gopal Kanala

Prashanth Kumar Merugu

Muhammad Farukh Munir

Christopher Phillip Clausen

Bryan Kroll

Benjamin W Geertz

Daniel Oshima

Kenneth S Meloun

William E Goff

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

Systems and techniques for are described herein. A voice profile may be generated for a user. An audio stream may be received including an authentication voice of the user. It may be determined that the authentication voice does not match a first set of authentication criteria. The audio stream may be compared to a second set of authentication criteria. The user may be authenticated based on the comparison.

Authentication of impaired voices

Disclosed in some examples are methods, systems, machine readable mediums that provide a network-based joint investment platform that enforces agreed-upon decision rules on jointly managed investments and provides collaboration and decision-making support tools for joint managers to make decisions about taking actions related to one or more jointly-managed assets. The platform may provide for configuring a plurality of decision rules that identify which managers can take which actions and under what conditions. The joint investment platform may enforce the decision rules by requesting any specified approvals according to the decision rules. Once those rules are satisfied, the joint investment platform may execute the requested actions. If the required approvals are not obtained, or the rules provide no path to approval, the action may not be executed.

Network-based joint investment platform

Systems, methods, and computer program products are provided for disparate quantum computing (QC) detection. An example system includes QC detection data generation circuitry configured to generate a set of QC detection data. The example system further includes cryptographic circuitry configured to distort the set of QC detection data via a first PQC cryptographic technique, generate a pair of asymmetric cryptographic keys comprising a public cryptographic key and a private cryptographic key via a second PQC cryptographic technique, generate encrypted QC detection data from the distorted set of QC detection data based on the pair of asymmetric cryptographic keys, and destroy the private cryptographic key. The example system further includes data monitoring circuitry configured to monitor a set of data environments for electronic information related to the encrypted QC detection data.

Systems and methods for disparate quantum computing threat detection

Controlling provision of a set of utilities by a financial institution. The method includes receiving, by a processor of a financial institution computing system associated with a financial institution, utility usage information from a set of utility meters associated with a plurality of customers of the utility company. The method includes determining a utility account balance for a customer of the plurality of customers based at least in part by an aggregate amount of utility usage used by the plurality of customers for a billing cycle by aggregating the received utility usage information for the billing cycle. The method includes determining that the utility account balance exceeds a threshold permitted past due amount. The method includes sending a stop signal to a utility meter associated with the customer, the stop signal instructing the utility meter to cut off provision of the utility to a property serviced by the utility meter.

Integrated utility distribution and automated billing

Various systems and methods are provided for quantum computing based optimization of a personalized portfolio. One exemplary method may comprise identifying one or more filtered personalized portfolio optimization factor data based on one or more optimization factor data for the personalized portfolio, personalized portfolio owner feedback, QC algorithms, and algorithm performance information, selecting one QC algorithm for each filtered portfolio optimization factor data of the one or more filtered portfolio optimization factor data, utilizing the selected QC algorithm to optimize a personalized portfolio determination for each identified filtered personalized portfolio optimization factor data, and rebalancing the personalized portfolio based on the personalized portfolio determination.

Systems and methods for quantum based optimization of a personalized portfolio

The validity of a mail item containing a monetary solicitation is determined. An image is received of the mail item and the image is analyzed to identify a plurality of data fields within the mail item. The validity or invalidity of the data within each of the plurality of identified data fields is then established, and a user-interactive image overlay is generated for the image of the mail item that includes a validity indicator for each of the plurality of identified data fields. The validity indicator is representative of the validity or invalidity of the data within each of the identified plurality of data fields. The user-interactive image overlay is sent to a user device to display the image of the mail item.

Assessing validity of mail item

Systems, apparatuses, methods, and computer program products are disclosed for post-quantum cryptography (PQC). An example system includes a PQC smartcard. The smartcard may include a PQC cryptographic algorithm selection circuitry configured to select a PQC cryptographic technique from a set of PQC cryptographic techniques for encrypting the data. The smartcard may further include a PQC cryptographic circuitry configured to encrypt data based on a generated set of PQC encryption attributes and the PQC cryptographic technique.

Systems and methods for post-quantum cryptography on a smartcard

A distributed computing system includes a blockchain comprising a plurality of blockchain services comprising an oracle service, a predictive analytics service, a loan service, and a consensus service. The oracle service configured to receive input data comprising at least one of financial data associated with at least one of the plurality of syndicate participants, macroeconomic data, geo-location data, disaster data, or public health data. The predictive analytics service configured to utilize the input data to determine whether a first syndicate participant of the plurality of syndicate participants has an excess of funds and whether a second syndicate participant of the plurality of syndicate participants has a lack of funds where the first syndicate participant is different than the second syndicate participant. The loan service configured to facilitate a loan agreement between the first syndicate participant and the second syndicate participant. The consensus service enabling a consensus process used to agree on a validity of data transactions that are recorded by the blockchain such that the consensus service maintains a replicating ledger within the distributed computing system.

Geolocation-based mesh automatic lending network

In one example, a method includes at a first network infrastructure computing device of a plurality of networked infrastructure computing devices receiving, from a user computing device, an authentication token indicating a user using the user computing device is authenticated with respect to an electronic service, based on the user being authenticated, executing a computing task associated with the electronic service for the user computing device, the computing task including computing task data, predicting a set of possible future locations of the user based on an output of a movement prediction model executing on the first network infrastructure computing device, identifying a set of network infrastructure computing devices correlated with the set of possible future locations, and transmitting the authentication token and the computing task data to the set of network infrastructure computing devices.

Computing task transfers between cellular infrastructure devices

A method includes using a distributed computing system to form a syndicate, generate a unique identifier for each of a plurality of participants of the syndicate, receive a verification request comprising the unique identifier from each of the plurality of participants, verify that a respective entity is a node on the distributed computing system, receive loan terms templates from each of the plurality of participants, receive a plurality of data from each of the plurality of participants, identify a first subset of participants having an excess of funds and a second subset of participants having a lack of funds, and verify each of the first subset of participants and the second subset of participants. The method includes using a syndicate computing system to automatically execute at least one loan agreement between at least one of the first subset of participants and at least one of the second subset of participants.

Systems, methods, and computer program products are provided for quantum computing (QC) detection. An example QC detection system includes QC detection data generation circuitry that generates QC detection data. The QC detection system also includes cryptographic circuitry that distorts the QC detection data via a first post-quantum cryptographic (PQC) technique and generates a pair of asymmetric cryptographic keys including a public cryptographic key and a private cryptographic key. The cryptographic circuitry further generates encrypted QC detection data based on the pair of asymmetric cryptographic keys and destroys the private cryptographic key. The QC detection system further includes data monitoring circuitry that monitors a set of data environments for electronic information related to the encrypted QC detection data.

Systems and methods for quantum computing threat detection

Embodiments of the present disclosure provide for improvements in managing connection channels for multiple associated users. As connection channel changes occur for one or more users, various connection channels are updated such that appropriate functionality is accessible as determined based on aspects of the connection channel change. Example embodiments provide for establishing, with an electronic data management system, a connection channel associated with processing a shared electronic data object, where the connection channel is established associated with a first user data object; and causing rendering of a user interface that provides access to first functionality via the electronic data management system, and receiving an indication of a connection channel change, and causing updated rendering, based on the connection channel change and in response to receiving the indication of the connection channel change, of the user interface to provide access to updated functionality via the electronic data management system.

Apparatuses, computer-implemented methods, and computer program products for improved multi-user channel management

Systems, methods, and apparatuses for facilitating augmented reality (AR) rewards are described herein. The system includes a sensor network configured to transmit and receive sensor data within an environment. A first user device associated with a first user and a second user device associated with a second user are configured to communicate with the sensor network and determine a position and an entity positioning characteristic of the first user and the second user, respectively. A computing device is configured to receive the sensor data including the position and entity position characteristics of the first and second users. The computing device is also configured to determine a behavior of the first and second users based on the received data. The computing device is also configured to generate a plurality of reward tokens. Each of the reward tokens is associated with a behavior characteristic.

Systems and methods for geolocation-based city and community promoted augmented reality rewards

Growing community of inventors

State Road, NC, United States of America

Andrew J Garner, Iv