Wells Fargo Bank, N.a.

Brian J Hanafee

Laura Marie Fontana

Wayne Barakat

Traci H Nguyen

Michael H Chang

Upul D Hanwella

Christopher Wayne Howser

Caroline Machado

Ha M Duong

Nairobi N Kim

Ian Jensen

Ajay Panikkar

Maria M Benjamin

Marion M Hsieh

Walter Schenk

Laura Lee Orcutt

Phillip John Crump

Charles C Anesi

Wayne Mekjian

Eric H Castain

Aashir Shroff

Systems, methods, and computer-readable storage media utilized for revoking access to a financial account held by a customer of a financial institution. One method includes determining, by at least one processing circuit, an access level based on information stored in an account database and an adverse event experienced by a customer. The method further includes authorizing, by the at least one processing circuit, a designee of the customer comprising the access level for at least one future payment request. The method further includes transmitting, by the at least one processing circuit, an alert message corresponding to the authorization of the designee for the access level. The method further includes in response to receiving an input from a user device, withdrawing, by the at least one processing circuit, the access level.

Break the glass for financial access

One or more embodiments of techniques or systems for session management, security scoring, and friction management are provided herein. Sessions may be monitored for commonalities or other attributes or aspects and closed, terminated, or a freeze placed on additional sessions from being initiated. A security score may be provided which is indicative of how secure a user is with respect to one or more ways the user interacts with a resource. One or more suggested actions or score improvement strategies may be suggested to facilitate improvement of a security score for a user. Friction management may be provided by having one or more additional layers of security applied to an account of a user or an entity based on suspicious behavior or other factors.

Session management

Systems, methods, and computer-readable storage media utilized for determining access to a financial account held by a customer of a financial institution. One method includes establishing a communication session with a sensor device, wherein the financial institution computing system continuously receives sensor data over the communication session and receiving, from a point-of-sale (POS) terminal, a payment request. The method further includes retrieving, from the user device via an application programming interface (API), device data including at least application data and receiving, from the sensor device, the sensor data including at least one of geolocation data or biometric data of the sensor device. The method further includes determining the customer experienced an adverse event based on the sensor data and the device data and determining automatically an access level. The method further includes authorizing, by the processor, the payment request utilizing the financial account held by the customer to a designee.

The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of credentialing an application in a cloud environment. The application is determined to be a trusted application type. The application is provided with a certificate service process dedicated to request and receive a certificate from a source outside the cloud environment. An integration component retrieves the secret and provides it to the application that is inside the cloud environment. The secret is verified within the cloud environment and the application is deployed as a trusted application instance inside the cloud environment.

Credentialing cloud-based applications

Examples described herein relate to apparatus and methods for determining access to a financial account held by a customer of a financial institution, including, but not limited to, determining, by a processor of a financial institution computing system, an adverse event that causes death or incapacitation to the customer based on an adverse event message received from a user device associated with the customer, and in response to determining the adverse event, granting, by the processor, the access to the financial account held by the customer to a designee.

A computing system receives a request for an advertiser webpage from a user device associated with a consumer. The consumer requests the advertiser webpage by activating a link associated with the advertiser webpage and embedded in the advertisement placed on the webpage of the publisher. The advertiser computing system also receives financial information relating to the consumer in response to receiving the request, customizes the advertiser webpage based at least in part on the financial information relating to the consumer, and transmits the customized advertiser webpage to the user device.

Enhanced advertisement click-through customer data

One or more embodiments of techniques or systems for location tracking are provided herein. A system for location tracking may be utilized to track or determine one or more locations for one or more devices of one or more users. A tracking system or control component may be utilized to access or initiate requests for location tracking, such as for legitimate purposes or business reasons. For example, a system for location tracking may be implemented as an application or tracking application installed on a mobile device or a device or a user. A device may transmit a key to a third party and encrypted location data to a tracking entity. The application may have a front-end interface (e.g., for users being tracked) and a back-end interface (e.g., for users initiating tracking). In this manner, location tracking is provided while promoting privacy and safety.

Growing community of inventors

Pleasanton, CA, United States of America

Brian J Hanafee