Wells Fargo Bank, N.a.

Daniel Sanford

Jonathan Austin Hartsell

John Andrew Chuprevich

Pankaj Parekh

Steve Perez

Keith Clithero

Bill Wurz

Chris Theodore Kalaboukis

Elizabeth Votaw

Carrie Anne Hanson

Brian Michael Pearce

Miranda C Hill

Traci H Nguyen

Frank Digangi

Michael H Chang

Suzanne M Fisi

Tambra Nichols

Akiva D Kates

Christopher James Williams

Ray G Redwood

Laura B Yeager

Hampton B Castleberry

Nanie Lee

H Brock Kolls

Imran Haider

William Blakely Belchee

Daniel S Sumner

Ranganathan Kanchi

Joel Gardner

Nathan C Freeling

Matthew N Wheeler

Kyle Patrick Mitchell

Ramesh N Tejavath

Patrick Austin Boger

Christopher Gaston Seagram

A method may include receiving, using a processing unit at a service endpoint, from a first computing device a request to initiate a transfer from a first account to a second account, the request identifying a transfer amount; determining, using the processing unit, that the transfer amount exceeds a stored threshold transfer limit; receiving an identifier associated with the second account; subsequent to the determining, receiving, using the processing unit, an indication that a geographic location override action has been completed between the first computing device and a second computing device, the second computing device stored as associated with the second account; and in response to receiving the indication, increasing the threshold transfer limit between the first computing device and second computing device for a period of time and authorizing the transfer.

Systems and methods for proximity-based transaction limit threshold override

A system includes a network interface circuit and a processing circuit configured to receive a physical currency transaction request from a first user device, the physical currency transaction request including a currency exchange transaction parameter; match the physical currency transaction request to another physical currency transaction request based at least in part on the currency exchange transaction parameter; provide the physical currency transaction request to a second user device associated with the another physical currency transaction request; geo-fence an area based on at least one of the currency exchange transaction parameters or a current location of the first user device; determine an exchange location based on the geo-fenced area and the matched physical currency transaction request and another physical currency exchange request; and provide instructions to the first user device and the second user device for an exchange based on the determined exchange location.

Real-time currency exchange system

This disclosure is directed to integrating unaffiliated applications, or the processes and/or subsystems (e.g., application interfaces) of unaffiliated applications, with client applications to enable the client applications to provide new capabilities not otherwise available through the client application. The disclosed approach allows users to access new functionality within the operating environment of the client application, without accessing unaffiliated applications and undergoing separate authentication and data exchange with each unaffiliated application. Functionality of an unaffiliated application can be integrated by, for example, incorporating such processes and subsystems as interactive user interfaces, widgets, applets, plugins, etc., of unaffiliated applications.

Networked portal for multidirectional integration of diverse unaffiliated processes and subsystems with client applications

Systems and methods for identifying and providing unfulfilled services to a user of a provider institution mobile application are provided. A method includes: identifying an unfulfilled service of the user of the provider institution mobile application based on an indication that the user has a pending service that requires further action on behalf of the user; scanning a digital calendar of a mobile device of the user hosting the provider institution mobile application based on receiving a user input to access the digital calendar; determining an availability of the user based on scanning the digital calendar; identifying a current location of the user during the determined availability; determining a plurality of service locations near the identified current location of the user during the determined availability; and prompting the user to visit an identified service location from the plurality of service locations.

Identifying and providing unfulfilled services via an ATM

Systems and methods for remotely verifying an identity of a minor to open an account at a financial institution for the minor are provided. A method includes, responsive to verification of an identity of an adult associated with the minor, receiving, by a provider institution computing system of a provider institution, information relating to the minor from a minor computing device associated with the minor, and scraping, by the provider institution computing system, data from one or more social media profiles associated with the adult. The method includes comparing, by the provider institution computing system, the scraped data to information from the adult regarding the minor, and in response to a match, remotely verifying, by the provider institution computing system, the identity of the minor based on the information relating to the minor, such that the account for the minor is authorized to be opened at the provider institution.

Systems and methods for digitally knowing and verifying youths

Systems, methods, and apparatuses for authorizing a transaction using location based transaction authentication. The method includes receiving a transaction authorization request for a transaction; determining a location of the transaction; identifying an identity of a user associated with the transaction authorization request; determining a computing device associated with the identified user; determining a location of the determined computing device associated with the identified user; determining a distance between the location of the transaction and the location of the determined computing device; determining that additional authentication is required of the identified user based on the determined distance; prompting, the user for additional authentication information; receiving a response including additional information; and, authorizing the transaction based on the additional information matching stored additional authentication information.

Location based transaction authentication

Systems and methods for remotely verifying an identity of a minor to open an account at a financial institution for the minor are provided. A method includes receiving, by a financial institution computing system associated with the financial institution, a request from an adult computing device associated with the adult to open the account; remotely verifying, by a verification circuit, an identity of the adult based on received information regarding the adult; receiving, by the financial institution computing system, information relating to the minor from a minor computing device associated with the minor; remotely verifying, by the verification circuit, the identity of the minor based on the received information relating to the minor; and opening, by an account opening circuit associated with the financial institution computing system, an account on behalf of the minor.

Various examples are directed to systems and methods for interfacing a computing system to a human user. For example, a graphical user interface may be provided to a user. The graphical user interface comprises a holding shape and a first income source shape indicating a first income source. The holding shape comprises a filled portion having a first filled portion level indicating a first holding balance of an account of the user. A first deposit shape may be moved from the first income source shape towards the filled portion of the holding shape. The first deposit shape may indicate a first deposit to the account from the first income source. The filled portion may be resized to a second filled portion level indicating a second holding balance of the account after the first deposit.

User interface for tracking deposits and expenses

A system includes a network interface circuit and a processing circuit configured to receive a physical currency transaction request from a first user device, the physical currency transaction request including a currency exchange transaction parameter, match the physical currency transaction request to another physical currency transaction request based at least in part on the currency exchange transaction parameter, provide the physical currency transaction request to a second user device associated with the another physical currency transaction request, geo-fence an area based on at least one of the currency exchange transaction parameters or a current location of the first user device, determine an exchange location based on the geo-fenced area and the matched physical currency transaction request and another physical currency exchange request, and provide instructions to the first user device and the second user device for an exchange based on the determined exchange location.

Disclosed herein is a computer-implemented method and related system for operating a virtual computer assistant (VCA) system of a service provider system. The method includes activating a switch to connect a communication link of the system from a human assistant (HA) to a customer and conveying first communications over the communication link to the customer from the HA. The method automatically detects a switching event according to a switching rule stored in a switch rules database stored in a memory of the system while the communication link to the HA is active. The method activates the switch to connect the communication link from the customer to a VCA after the conveying of the first communications, and then conveys second communications over the communication link to the customer from the VCA.

System and method for live and virtual support interaction

Presenting information on a computing device based on context is disclosed. A non-limiting example is a computing device or method for presenting information. The method determines contextual information associated with the computing device. The contextual information includes proximity information identifying electronic devices in proximity to the computing device The method also comprises receiving information to present to a user of the computing device. The method also includes formatting the received information based on the determined contextual information and presenting the formatted information.

Context-based presentation of information

Systems and methods for facilitating finance by monitoring behavior of users indicative of behavioral patterns or deviations from behavioral patterns and inviting users to make financial changes that may be appropriate based on the monitored behavior. In some embodiments, a minimum amount of relevant data must be collected to support the existence of a behavioral pattern or deviation before a user is invited to make appropriate changes to their finances.

Growing community of inventors

Charlotte, NC, United States of America

Daniel Sanford