Wells Fargo Bank, N.a.

Caroline Machado

Laura Marie Fontana

Wayne Barakat

Brian J Hanafee

Ha M Duong

Maria M Benjamin

Marion M Hsieh

Walter Schenk

Dominik Vltavsky

Nishant Usapkar

Margaret S Honeycutt

William Ward Sutton

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

Various systems, methods, and apparatuses relate to managing data transmissions from one or more Internet of Things (IoT) devices. A method includes discovering one or more IoT devices; tracking data transmission between the one or more IoT devices and an IoT server; restricting audiovisual data transmission by at least one of the one or more IoT devices based on a user profile associated with a user by providing an instruction to the at least one of the one or more IoT devices; determining that the at least one of the one or more IoT devices is continuing to transmit audiovisual data to the IoT server subsequent to the restriction; based on the determination, denying network access; and presenting, via a user device, a user interface including an indication whether communications to the IoT server have been prevented for each of the one or more IoT devices.

Method and apparatus for controlling IoT devices by agent device

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.

Various systems, methods, and apparatuses relate to managing data transmissions from one or more Internet of Things (IoT) devices. A method includes discovering, by a discovery engine, one or more Internet of Things (IoT) devices; tracking, by the discovery engine, data transmission from the one or more IoT devices; generating, by a privacy lens communicably coupled to the discovery engine, a privacy rule regarding the data transmission from the one or more IoT devices; and applying, by the privacy lens, the privacy rule to the one or more IoT devices, the privacy rule configured to control data transmission from the one or more IoT devices.

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.

Systems, methods, and apparatuses for detecting, capturing, and tracking financial transactions are provided. A method of detecting, capturing, and tracking includes registering, by a user device, a virtual cash register with the user device, wherein the registration includes associating the virtual cash register with a financial account; detecting, by the virtual cash register via the user device, a potential financial transaction using at least one of paper and coin currency; extracting, by the virtual cash register via the user device, financial transaction data regarding the potential financial transaction; generating, by the virtual cash register, a report regarding the financial transaction data; and providing, by the virtual cash register, the report to a predefined location.

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Mountain View, CA, United States of America

Caroline Machado