Wells Fargo Bank, N.a.

Ashish Bhoopen Kurani

Nikolai Stroke

Stephen M Ellis

Bipin M Sahni

Melissa Lowry

Uma Meyyappan

Michael Joseph Kennedy

Steven E Puffer

Young M Yang

Dennis Emmanuel Montenegro

Joseph Ng

Braden More

Brian Michael Pearce

Frank Fehrenbach

Darren M Goetz

Imran Haider

James Christopher Noe

Lisa Schur

JoAnn Mar

Damodar Raval

Kristine Ing Kushner

Dominik Vltavsky

Wayne Barakat

Nathan Coles

Palani Munuswamy

Guruprasadh Prasadh Ragothaman

George Atala

Matthew C Strader

Mattie L Morris

Chandra Subramanian

Martin Barrs

Lila Fakhraie

Steve Puffer

Margot Lockwood-Stein

Andrea Renee Leighton

Loftlon Worth

Jennifer Greene

Ronald H Yang

Christopher J Hirth

Paul Vittimberga

Timothy R Knowlton

Jinee K Ellis

Katherine M Yee

Jenny Y Tao

Benjamin Soccorsy

Peter Ho

Alan W Hecht

Laura Marie Fontana

Azita Asefi

Michael Knorr

Matthew Shepherd

Eric Vanderleek

Nick Gambale

Dana Roytenberg

Erik F Nelson

Kayla Palm

Chris Theodore Kalaboukis

Alicia Y Moore

Michael R Thomas

Andrew L Martinez

Sudipta N Kitsis

Kumaran Perumal

Raissa Williams

Albert Hwu

Sameer Aery

Justin C Freeman

Daniel Peltz

Nathan Bray

Jennifer J Caceres

Sreenivas Vas Kodali

Ranganathan Kanchi

Kimberly Robin Nelson

Udaya Isampalli

Dinesh Arora

Jesse Owens

Greg J Hansen

Kiran Rapolu

Lofton Worth

Aspects of this technical solution can include registering a first non-fungible token (NFT) account of a customer to a first public and private key pair, registering a second NFT account of a financial institution to a second public and private key pair, receiving a request to transfer to the first NFT account an NFT having a quantitative value, generating a second quantitative value of the NFT based on the quantitative value of the NFT and a quantitative value of fiat currency, transferring the NFT to a smart contract, linking the first public and private key pair to the smart contract and a fractional value of the NFT, and linking the second public and private key pair to the smart contract and the second quantitative value of the NFT.

Allocation of non-fungible token (NFT) by containerized data structures

Systems and methods for providing recommendations relating to payment methods include establishing a connection between a first application executing on a first server and a second application executing on a second server where the first and second applications are linked to a first account holder. The first application may receive invoice data of a plurality of invoices from the second application. The first application may identify that at least one recipient is enrolled to accept a second payment type with one or more second account holders. The first application may identify a subset of invoices corresponding to the at least one recipient, compute a difference between a first value corresponding to usage of a first payment type and a second value corresponding to usage of the second payment type, and present a recommendation to enroll the first account holder with the second payment type based on the difference.

Systems and methods for providing recommendations relating to enrollment and payment type

A computer-implemented method includes authenticating, by one or more first processors of a provider computing system, a user of a vehicle with an account of the user where the vehicle is associated with the account, receiving vehicle data relating to the vehicle, transmitting application data to a vehicle computing system of the vehicle via a first network and based on the vehicle data where the vehicle computing system includes one or more second processors communicatively coupled to the provider computing system via the first network and where the application data includes instructions for rendering an interface via a display system of the vehicle, and receiving, by the one or more first processors and from the vehicle computing system, an input provided via the display system of the vehicle based on the application data.

Vehicle-based mobile banking

A computer system and a transaction machine, such as an automated teller machine (ATM), can provide for any payor to make a payment to a payee at the transaction machine. The transaction machine provides the payor a user interface to enter a passcode that uniquely identifies the payment transaction. The passcode can be generated by a provider computing system associated with the transaction machine and provided directly to the payee or through the payor prior to the transaction. The transaction machine provides the payor a user interface to enter an amount. The transaction machine receives a cash deposit and provides a deposit user interface that displays deposit information based on at least one bill of the cash deposit.

Third party products and services via ATM

Systems and methods utilized to protect data. One method includes receiving an exchange request and determining a current exchange rate for at least one different currency transaction. The method further includes determining an exchange sequence generating a first public and private key pair and a second public and private key pair. The method further includes receiving an exchange confirmation updating an account balance entry on an overlay ledger. The method further includes broadcasting the exchange request updating a blockchain associated with the exchange request.

Systems and methods for operating a math-based currency exchange

A method, user device, and computer-readable storage media for registering and activating accounts is provided. A method includes: transmitting, by a user device to a computing system, an input from a user regarding opening an account at an institution associated with the computing system; establishing, by the user device, a communication session based on exchanging encryption keys between the user device and the computing system; in response to establishing the communication session, automatically installing, by the user device, a client application; displaying, via the client application on the user device, a graphical user interface (GUI) comprising a request for a user verification; transmitting, by the user device via the communication session, a received user verification to the computing system; and receiving, by the user device, an indication of an activation of the account at the institution from the computing system.

Systems and methods for digital account activation

Systems and methods for receiving an enterprise resource dataset associated with a customer from an enterprise application associated with the customer, the enterprise resource dataset including a plurality of financial inputs captured on or before a first date, a plurality of customer recommendations, and a plurality of recommendation replies, receiving, from a first machine learning model, a predicted customer state including one or more predicted financial outputs corresponding with the predicted customer state at a second date subsequent to the first date, providing the plurality of financial inputs to a second machine learning model trained to predict a customer recommendations, determining, a customer recommendation corresponding to an action to be performed at a third date subsequent to the first date, wherein performing the action causes the first machine learning model to predict an updated customer state differing from the predicted customer state.

Systems and methods for providing recommendations relating to customer state

Systems and methods for receiving an enterprise resource dataset includes a plurality of financial inputs captured associated with a customer from an enterprise application associated with the customer, providing the plurality of financial inputs to a machine learning model trained to predict a customer state using a plurality of training financial inputs and a plurality of training financial outputs, each of the plurality of training financial inputs corresponding to financial data and each of the plurality of training financial outputs corresponding with financial data, determining, responsive to providing the plurality of financial inputs to the machine learning model, a future customer state of the customer, including a predicted financial output, at a fourth date, and generating one or more financial recommendations based at least partially on the determined future customer state of the customer.

Systems and methods for determining customer state

A method for providing a third party engagement in a host property application is provided. The method includes: receiving an indication of an authentication of a user from the host property application such that additional authentication information for a third party that provides a third party engagement specific to the user is not required; determining that the user device is at or near a location of the third party; receiving an indication of an active user session associated with the host property application while the user device is at or near the location of the third party; generating a third party engagement specific to the user and associated with the third party; and providing, via a graphical user interface presented by a display device, the third party engagement specific to the user during the same active user session.

Systems and methods for enabling third party engagements and services in host properties

Systems, methods, and computer-readable storage media to exchange using dynamic non-fungible token (DNFT) exchange instruments. One method includes receiving an issuance request, generating a DNFT exchange instrument, dynamically updating the DNFT exchange instrument, and executing an exchange.

Dynamic token instrument using a protection architecture

A method, apparatus, and system of providing a management system for digital platforms are disclosed. The method includes: creating, in response to receiving an indication to enroll in a management platform, a master account, the master account having master login credentials associated therewith; providing a management graphical user interface (GUI) to a user device in response to a login using the master login credentials; creating a subordinate account in response to a first user selection via the management GUI, the subordinate account having subordinate login credentials associated therewith; establishing one or more funding rules for the subordinate account; establishing one or more spending rules for the subordinate account; approving a first in-app purchase (IAP) from the subordinate account; and, providing a dashboard via the management GUI, the dashboard comprising a ledger of transactions, the ledger of transactions comprising the first IAP.

Systems and methods for providing a management platform for digital platform services

Systems, methods, and computer-readable storage media to protect non-fungible tokens (NFTs) using a protection architecture. One method includes protecting the NFT including tracking, utilizing the overlay ledger, an association of NFT ownership of a plurality of NFTs and storing and protecting, utilizing a blockchain storage, the plurality of NFTs. The method further includes receiving an exchange request and exchanging the NFT on us including determining the customers have an NFT account with the overlay ledger and executing an on-us exchange based on updating the overlay ledger.

Protecting tokenized structures using a protection architecture

A computer-implemented method includes generating a token associated with a user-level profile, receiving via a computing system a transaction message associated with a transaction where the transaction message includes a first data portion and a second data portion and where the token is part of at least one of the first data portion or the second data portion, obtaining via a network the token from the received transaction message, validating the token responsive to receiving a validation confirmation from a service provider, and transmitting an identity verification to the computing system responsive to validating the token.

User-level token for user authentication via a user device

A method includes receiving an indication from a user that a physical payment card is lost or stolen, and an indication to perform a mobile wallet transaction. The method includes accessing a database to retrieve a list of accounts held by the user, and prior to presenting a list of available source accounts, determining that a previously-provisioned source account is no longer available as a source of funds, where the list includes at least one new account that has not been previously provisioned. The method further includes generating a screen display to present to the user, the display showing the list of accounts held by the user at a financial institution. The method includes presenting the list of available source accounts to the user, receiving a user selection of the at least one new account, and transferring funds from the at least one new account to a recipient.

Mobile wallet account provisioning systems and methods

Systems, methods, and computer-readable storage medium for managing tokens are provided. A method includes: receiving, by a token management system from a user device, a token command from a user associated with a target token; determining, by the token management system, an entity of a plurality of entities associated with the target token, where each of the plurality of entities is associated with a separate entity computing system that stores at least one token of a plurality of tokens, and where each of the plurality of tokens is registered with the token management system and associated with the user, in response to determining the target token is managed by the entity, transmitting, by the token management system, the token command to an entity computing system of the entity; and receiving and storing, by the token management system, an updated token from the entity computing system based on the token command.

Token management systems and methods

Growing community of inventors

Hillsborough, CA, United States of America

Ashish Bhoopen Kurani