Wells Fargo Bank, N.a.

Dennis Emmanuel Montenegro

Darren M Goetz

Timothy Roger Ward

Christian Mande

Frank Digangi

Alicia Y Moore

Uma Meyyappan

Kourtney Eidam

Ashish Bhoopen Kurani

Chris Theodore Kalaboukis

Jason Huang

Andrew L Martinez

Lisa R Magana

Marla M Pacis

JoAnn Mar

Lisa Schur

Joseph Ng

Damodar Raval

Prasanth Nandanuru

Miranda C Hill

Susan Symons

Margaret S Honeycutt

Debarchana Roy

Andrew J Garner, Iv

Sadie Salim

Matthew Pearce

Shari Van Cleave

Pavan Kumar Arln

Yejjala Yevanna

Ramanathan Ramanathan

Abhijit Shetti

Nathan Coles

Steve Perez

Rajeswaran Govindan

Miriam Felecia Clark

Christopher Sipanya

Jason V Biala

Chinababu Kona

Yevanna M Yejjala

Shiju Thukalankuzhy John

David Edward Newman

Muhammad Farukh Munir

Tyua Larsen Fraser

Rajiv Ranjan

Marjorie S Anzalone

Eduardo DeLa Torre

Andriy Fedorchuk

Adam Benjamin Smith-Kipnis

Dinakar Channakal Krishnappa

Graham Linn

Janice R Powell

Sergey Yamandiy

Sai Krishna Verma Sundaragiri

Wyman Yu

Ryan Lee Hammond

Laurie J Becker

Shelly A Carnazzo

Kory Bunya

Priyanka Amara

Dominik Vltavsky

Julio Jiron

Robert Glenn Hamchuk

Pankaj Parekh

Erick Von Tengelitsch, Ii

Viva Gupta

John Akira Kobuchi

Joon Maeng

Abhijit Rao

Rameshchandra Bhaskar Ketharaju

Carrie Anne Hanson

Darius A Miranda

Ramesh Yarlagadda

Manpreet Singh

Benjamin S Taylor

Volkmar Scharf-Katz

Akhlaq M Khan

Samuel B Martin

Chandramouli Subramanian

Keith Clithero

Ananya Bandyopadhyay

Dinesh Arora

Nurujjama Beg

Amlan Patnaik

Ray Joanna Luz Reyes Ramilo

Prakash Jagannathan

Ashleigh Raynes

Suresh Reddy

Raj Marwah

Anthony Stimola

Harrison Thomas

Clynton Taylor

Jasim Ahamed Pattani Sirajudeen

Christopher Rotchford

Jake Teitelbaum

Joseph De Frank

Michael Edwards McGee

Fairy Bui

A risk-sensitive code generation computing system receives query data indicating a requested code section. A code attribute evaluation module determines attributes that indicate characteristics of the query data or the requested code section. Based on the attributes, the code attribute evaluation module calculates risk level data for the requested code section. A code generation module selects, based on the risk level data, a set of training resources. Based on the selected training resources, the risk-sensitive code generation computing system modifies training of a trained neural network model. The modified trained neural network model generates a risk-sensitive code data object based on the requested code section and the risk level data. The risk-sensitive code generation computing system provides at least a portion of the risk-sensitive code data object to an additional computing system.

Risk-adjustment techniques for generating software code data

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

A system including a network interface and a processing circuit is provided. The processing circuit includes one or more processors coupled to non-transitory memory. The processing circuit is structured to receive a request for a multiple custody linkage between user devices. The multiple custody linkage includes a digital connection between the user devices that allows shared access to a resource. The resource includes at least one of a physical object or information. The processing circuit is further structured to perform a validation process based on information in the request for the multiple custody linkage to determine if a violation of a security protocol exists. The security protocol is associated with security of the resource. The processing circuit is further structured to, in response to determining no violation of the security protocol exists, activate the multiple custody linkage between the user devices to allow the shared access to the resource.

Systems and methods for multiple custody using mobile devices or wearables

A method includes obtaining, by a mobile client application of a user mobile device, context data associated with a user, predicting, by the mobile client application, an intended action of the user to be performed at a provider location based on the context data associated with the user, and switching, by the mobile client application, into a context-based application mode based on the intended action of the user.

Contextual mobile client application systems and methods

Systems and methods for authenticating user identity using custom visual code is disclosed. One disclosed method includes determining user identification information based on received biometric data; generating a temporary one-time password; encrypting the user identification information and the temporary one-time password; and generating a visual code based in part on the encrypted temporary one-time password and user identification information. The method may further include generating a prompt requesting a passcode or biometric data when a user device is within a predetermined threshold range of an authenticating device.

Systems and methods of identity authentication using a custom visual code

An process analysis computing system receives input data that identifies a subject-matter expert (SME) process, such as an SME process that requires detailed information regarding a very large quantity of information about the SME process. In the process analysis computing system, a scenario selection engine extracts process factors and user factors from the input data. Based on the process factors and user factors, the scenario selection engine determines initial schedule data describing event stages and milestone stages included in the SME process, and also generates user-specific process schedule data based on a modification of the initial schedule data. A user-specific execution engine in the process analysis computing system receives the user-specific process schedule data. Based on a milestone stage dependency in the user-specific process schedule data, the process analysis computing system controls access to a requested resource associated with the SME process.

Process modeling techniques for providing user-specific process schedule data

Systems, methods, and apparatuses include a provider computing system including a network interface structured to facilitate data communication via a network and a processing circuit comprising a processor and memory. The processing circuit is structured to receive a scope and a budget. The processing circuit includes a management circuit structured to determine a scope merchant category for items offered for sale by a merchant that match the scope and wherein the management circuit is structured to interpret the budget to determine a maximum amount of funds for the purchase. The processing circuit receives a selected item. The management circuit determines a category in comparison to the scope and a cost item in comparison to the budget to determine if the cost of the item is less than the maximum amount of funds.

Systems and methods for monitoring a budget scope in real time

A universal cassette housing for storing banknotes includes a first docking element structured to receive a first universal cassette, a second docking element structured to receive a second universal cassette, a transport apparatus structured to facilitate transferring banknotes between the first universal cassette and the second universal cassette, and a housing computing system comprising a processing circuit including one or more processors and memory, the memory storing instructions that, when executed by the one or more processors, cause the housing computing system to receive information regarding banknotes stored in the first universal cassette, receive information regarding banknotes stored in the second universal cassette, and cause the transport apparatus to initiate a transfer of one or more of the banknotes based on the information regarding the banknotes stored in the first universal cassette and the information regarding the banknotes stored in the second universal cassette.

Universal removeable cassette array with cash rebalancing

This disclosure describes techniques that include facilitating note-taking in various contexts, including when a customer is speaking to an agent of a business. In one example, this disclosure describes a method that includes analyzing, by a computing system, communications between a customer of an organization and an agent of the organization, where the communications include an issue to be addressed by the organization; generating, by the computing system, artifacts of the communication between the customer and the agent; determining, based on the artifacts of the communication, an action to be taken to address the issue; and generating, by the computing system, a user interface providing options associated with addressing the issue.

Analysis of and notation of communications

A method for providing cash back to a customer from a linked automated teller machine (ATM) after a purchase transaction. The method includes receiving, by a provider computing system associated with a provider, a cash back request including a cash back amount from a point-of-sale computing system associated with the purchase transaction, the provider computing system acting as an intermediary computing system between the point-of-sale computing system and a linked ATM associated with the provider; in response to receiving the cash back request, transmitting, by the provider computing system, cash back information to the linked ATM, the cash back information including the cash back amount and an authentication passcode; in response to entry of the authentication passcode into the linked ATM by the customer, providing, by the linked ATM, the cash back amount to the customer.

Systems and methods for linking ATM to retailer transaction to preserve anonymity

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

Systems, and methods for communicating during a calamity include a processing system of a first ATM that is communicably coupled via an ATM network to a second ATM. The first ATM includes an external network connection separate from the ATM network. The processing system can modify the first ATM from a first mode to a second mode responsive to detecting an event indicative of a calamity. The processing system can receive a user input to send a message to an address. The processing system can transmit the message to the second ATM via the ATM network, to cause the second ATM to route the message to the address. The processing system can receive a response to the message via the ATM network from the second ATM. The processing system can display the response to the message on a user interface of the first ATM.

Systems and methods for automated teller machine-based communication

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

Disclosed in some examples are methods, systems, and machine-readable mediums for simultaneously capturing an image of multiple checks for deposit. An example method includes receiving, by a bank computing system and from a user device, a multi-check image depicting a front side of multiple checks for deposit with a bank during a communication session. The bank computing system may generate a front side image for each of the multiple checks from the multi-check image. The bank computing system may receive electronic signature data for a customer, during the communication session, and generate a back side data for each of the multiple checks using the electronic signature data. A check image file may be stored for each respective check of the multiple checks, with each check image file including the back side data, such as a generated image, and the front side image for the respective check.

Simultaneous capture of multiple checks

Aspects of this technical solution can include identifying an NFT linked with a first public and private key pair associated with the source account, having a transfer property indicating that the NFT is transferable from the source account, having a value property denominated in fiat currency, and having a volatility metric based on one or more requests to transfer the NFT prior to or concurrently with the request, transferring the NFT from the first public and private key pair to a second public and private key pair linked with the NFT transaction processor and associated with an institution account of the financial institution, generating a third public and private key pair linked with the second customer computing device and associated with the recipient account, and transferring the amount of currency from the second public and private key pair to the third public and private key pair.

Format transformation of non-fungible token (NFT) via transfer by containerized data structures

Growing community of inventors

Concord, CA, United States of America

Dennis Emmanuel Montenegro