Wells Fargo Bank, N.a.

Weils Fargo Bank, N.a.

Darrell Lee Suen

Chris Theodore Kalaboukis

Suzanne M Fisi

Christopher Phillip Clausen

Jeffrey A Cornman

Muhammad Farukh Munir

David C Hatch

Timothy Roger Ward

Kevin R Cieslak

Simone Olivia Harvey

Aaron Francis Colfax Petrik

Steven J Wirt

Nancy B Zimmerman

Ryan James Wyler

Kristine Ing Kushner

Sridhar Kotamraju

Melody Su-Shin Kao

Jennifer L Copeland

John Andrew Chuprevich

William E Wheeler

Deana Cook

Michael H Chang

Marria Rhodriquez

Traci H Nguyen

Stephanie S Hellman

Joel Gardner

Ayesha Hasan

Elenchezhean Selvaraj

Ramanathan Ramanathan

Andrew J Garner, Iv

Darius A Miranda

Tyua Larsen Fraser

Bryan Kroll

Kimberly Ann MacInnis

Christina Zappala Ongpin

Paul R McMahon

Zhong Wan

John T Wright

Adam E Vancini

Yon Wing Lee

Sotirios K Barkas

Gene C Baker, Jr

Priyamvada Singh

Kenneth L Wright

Kevin W Bell

John Talbert Jackson

Jon T Graff

Chad Otto Breunig

Kourtney Eidam

Michael R Thomas

Michael Thomas Duke

David J Dietrich

Paul H Ku

Melody Kao

Armin Ajami

Roger Baclig

Christina M Zappala

Lisa Michelle Lepage

Iris Duncan

David G Lamb

Paul Vittimberga

Julio Jiron

Beth S Moss

Bryan D Hall

Samuel B Martin

Cong Phan

Jana L Chilton

Angira Goswami

Samuel Downing

Virginia Randle

Joon Maeng

Jennifer Lynn Semien Copeland

Muhammed Farukh Munir

Cynthia James

Charlotte Yan Whitney

A method, apparatus, and system of activating and using a contactless card via unique activation codes are disclosed. A system includes a memory and a processor configured to: receive an account number for a contactless card from a third party computing system; generate a card activation code for the contactless card, the card activation code being unique to the contactless card; generate a customer-specific uniform resource locator (URL) by appending the card activation code to a general URL, the general URL being associated with an entity of the system; transmit the customer-specific URL to the third party computing system with instructions to write the customer-specific URL into a wireless chip of the contactless card; associate the card activation code with the account number and information regarding a customer associated with the contactless card; and store the card activation code within the memory to be referenced during activation.

Systems and methods for contactless card activation via unique activation codes

A method includes conserving, responsive to receiving an indication that at least one selectable object is selected, computing resources; receiving a request to set the verification settings for a computing system, the verification settings comprising a threshold transaction amount; determining an alias account number for the transaction account; receiving a transaction request, the transaction request indicating the alias account number and a transaction involving the transaction account; implementing a verification policy based on the verification settings, comprising: determining a predetermined threshold of a monetary amount; determining a first policy monetary amount; comparing the first policy monetary amount to the predetermined threshold; determining that the first policy monetary amount does not meet the predetermined threshold; implementing a sub-policy; and generating and transmitting an electronic message comprising a selectable hyperlink generated for the transaction request; and responsive to determining that the selectable hyperlink was navigated, approving the transaction request.

Systems and methods for improved verification of transactions

Various examples are directed to systems and methods for detecting potentially fraudulent voice calls to a financial services institution. A computing system may receive an indication of a voice call placed by a voice caller to an operator. The computing system may generate a network address indicator describing a network location. The network address indicator may be provided to the voice caller. The computing system may receive an indication of a financial services account indicated by the voice caller. The computing system may also receive an indication of an access to the network location by a remote device. The computing system may determine, using the indication of the access to the network location, a first location associated with the remote device and determine that the first location does not match a second location associated with the financial services account. The computing system may generate an alert indicating that the voice call is potentially fraudulent.

Transaction fraud prevention tool

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

A device includes a processor coupled to a memory that stores instructions that when executed by the processor cause the processor to provide access to at least one of a product or a service via a digital channel; provide initial information to an authorizer via the digital channel; receive an enrollment token, the enrollment token including identifying information that identifies the device and defining a level of authorization with respect to the digital channel utilized by the device; provide the enrollment token to an institution computing system associated with an institution; and access a product or service provided by the institution based on the level of authorization defined by the enrollment token.

Setting an authorization level at enrollment

Purchasing, maintaining, and deriving revenue from mobile autonomous units is facilitated by providing a mobile autonomous unit marketplace in which equity shares in mobile autonomous units can be bought, sold and traded. Valuation of mobile autonomous units within the marketplace can be a function of a variety of factors such as the mobile autonomous unit's primary geographic region, and the number, diversity, and time management of revenue streams available to the mobile autonomous units.

Purchasing and monetizing of mobile autonomous units

Systems and methods for cardless authentication of a user at an automated teller machine are described. A method includes detecting, by a mobile device of a customer, a proximity notification including an identifier broadcast from an automated teller machine within a designated time range, the automated teller machine having a transaction card withdrawal limit; transmitting the identifier, a customer token, and a device token to a bank computer system; transmitting a signal to the automated teller machine to initiate the pre-staged cash withdrawal; and providing authentication information to the automated teller machine for authentication to enable the user to perform the pre-staged cash withdrawal at the automated teller machine with an increased cash withdrawal limit, where the increased cash withdrawal limit is higher than the transaction card withdrawal limit and the transaction amount exceeds the transaction card withdrawal limit.

Cardless ATM authentication

A computer-implemented method includes: generating a GUI including a first button selectable to register identity information and a second button selectable to request identity information; receiving, in response to the first button being selected, pieces of identity information regarding a customer; receiving a preference for each piece of identity information from the customer that governs distribution of identity information to requesting parties; generating a customer-specific key; provisioning the key to an identification chip of a customer computing device; transmitting the graphical user interface to a computing device of a requesting party other than the customer; receiving, in response to the second button being selected, the key, a request for identity information, and an identity of the requesting party; identifying the customer based on the key; determining that a preference for the requested piece of identity information is met; and providing the requested piece of identity information to the requesting party.

Systems and methods for federated identity management

Systems and methods for activating a transaction card are provided. A method includes: receiving a uniform resource locator (URL) and an encrypted key stored on a contactless transaction card from a first contactless communication between the contactless transaction card and a customer device; decrypting the encrypted key to identify information regarding the contactless transaction card; providing a web site associated with the URL for display, wherein the web site comprises a field automatically populated based on the identified information regarding the contactless transaction card; activating the contactless transaction card in response to verifying the identified information regarding the contactless transaction card; receiving information associated with the contactless transaction card from a second contactless communication between the contactless transaction card and the customer device; and resetting a credential for accessing an account associated with the contactless transaction card.

Systems and methods for activating a transaction card

Identity management is disclosed that allows authentication of a user for a third party by way of an encrypted token. A biometric signature can be requested for a user of a user device. In response, an encrypted token can be generated based at least in part on the biometric signature. The encrypted token can then be provided back to the user device, which can save the encrypted token to a secure location on the user device accessible by biometric authentication of the user on the user device. An authentication request can be provided from a third party which includes an encrypted token. A determination can be made regarding whether user identity can be confirmed based on the encrypted token. An indication of whether the user identity was confirmed or unconfirmed can then be communicated in response to the authentication request.

Identity management system

A method for using an autonomous vehicle includes receiving one or more user preferences for use of the autonomous vehicle. A destination is received for a trip using the autonomous vehicle. An arrival time is received for when the trip needs to be completed. A determination is made as to whether the user preferences includes a preference for physical activity for the trip. One or more routes are provided for the trip to the destination that permits the trip to be completed by the arrival time and that implements at least one of the user preferences. At least one of the routes comprises a hybrid route including one segment in which a physical activity selected by the user is suggested for traversing a distance of the one segment and another segment using the autonomous vehicle.

Creating trip routes for autonomous vehicles

A method of accessing an account includes receiving randomly generated seed information and an encrypted cryptographic key or token generated by a contactless card using the seed information via a contactless communication between the contactless card and the customer device; determining whether the randomly generated seed information matches previously received seed information; decrypting the encrypted cryptographic key or token using a decryption process that includes the seed information and the encrypted cryptographic key or token as inputs in response to determining that the randomly generated seed information does not match previously received seed information; identifying the customer associated with the contactless card based on the decrypted cryptographic key or token; and providing, to the customer device, access to the account in response to identifying the customer.

Systems and methods for a transaction card having a cryptographic key

An example method includes receiving an encrypted biometric enrollment data and user identifier data. The encrypted biometric enrollment data includes at least one biometric enrollment sample from a user encrypted using an encryption key. The encryption key is generated based on a user secret and the user identifier is associated with the user. The user identifier is matched with a stored user secret. A decryption key is generated based on the stored user secret. The encrypted biometric enrollment data is decrypted using the decryption key. The at least one biometric enrollment sample is retrieved from the decrypted biometric enrollment data. The at least one biometric enrollment sample is processed using a biometric processing algorithm to generate a biometric reference template. A biometric reference template identifier uniquely identifying the biometric reference template is generated. An encryption key is generated based on the stored user secret and encrypts an enrollment confirmation message.

Systems and methods for an authorized identification system

A method includes generating an alias that obscures identity information of a user by a remote provider computing system and receiving information relating to a prospective transaction via a digital funding group client application associated with a user computing device and communicatively coupled to the remote provider computing system via a network. The method further includes monitoring a system idle timer of the user computing device and resetting the system idle timer at predetermined time intervals, thereby maintaining the user computing device in active mode. The method further includes, while maintaining the user computing device in active mode, performing an electronic search for a sponsorship opportunity via the network, receiving a search result dataset via the network, generating a displayable result set based on the search result dataset, and rendering the displayable result set on a display. The displayable result set includes at least one prospective sponsor.

Systems and methods for private loan creation

Growing community of inventors

San Ramon, CA, United States of America

Darrell Lee Suen