Wells Fargo Bank, N.a.

Dominik Vltavsky

Miranda C Hill

Wayne Barakat

Ashish Bhoopen Kurani

Martin Barrs

Alicia Y Moore

Susan Symons

Darren M Goetz

Kourtney Eidam

Dennis Emmanuel Montenegro

Brian Michael Pearce

Nishant Usapkar

Caroline Machado

Gary Brewer

Richard Harrison Luttrell, Jr

Harlen Bayha

Markell J Dvorak

Paul Vittimberga

David C Hatch

Jason Huang

Margaret S Honeycutt

Eduardo DeLa Torre

Robert Glenn Hamchuk

Pey-Ning Huang

Charles Cowell

Pankaj Parekh

Eric David Greene

Katherine Anne Zagone

Orsolya Oldroyd

Jennifer Stacey Borchardt

Shari Van Cleave

Adam Clifford Christensen

Christopher Sipanya

Keith Clithero

Sivesh Thangarajah

Christin Chan

Fairy Bui

Ashleigh Raynes

Nicholas Edwardsen

Chad A Hanson

Systems, methods, and computer-readable storage media utilized in math-based currency (MBC) exchange utilizing MBC transaction guarantees. One method includes receiving, from a merchant point of sale (POS) terminal, a payment reimbursement request comprising a guarantee identifier associated with an MBC transfer. The method further includes determining, utilizing the guarantee identifier, transaction information. The method further includes determining, utilizing the transaction information, the guarantee identifier is associated with a failed transaction based on accessing and analyzing a plurality of disputed transactions on an MBC blockchain. The method further includes, in response to identifying the failed transaction, initiating an MBC payment from the financial computing system to an MBC address of a merchant. The method further includes providing, to the merchant POS terminal, a payment confirmation.

Systems and methods for expediting math-based currency transactions

Systems, methods, and computer-readable storage media for automated teller machine (ATM) recycling and merchant operations. One method includes receiving, via a communication session from a user device, a merchant voucher distributed by a merchant, and initiating an ATM session. The method further includes determining a value of the merchant voucher, and presenting, via a display interface of the ATM, a request for the determined value. The method further includes receiving a deposit regarding the determined value of the merchant voucher, and converting the merchant voucher to at least one of a token or a code, the at least one of the token or the code being embedded with an indicator regarding the determined value, information regarding the merchant voucher, and a unique identifier. The method further includes transmitting, to the user device, the at least one of the token or the code, and updating a ledger of the merchant.

Systems and methods for automated teller machine replenishing and merchant operations

Systems and methods of receiving, from a computing system, location-specific information, the location-specific information corresponding to a first location of a plurality of locations of a bank branch, receiving a first user input relating to a search query via a first graphical user interface displaying the location-specific information, receiving, from the computing system, an updated real-time listing of employees that match the search query, displaying the updated real-time listing of employees in the first graphical user interface, receive, via the first graphical user interface, a second user input corresponding to a selection of a specific employee from the updated real-time listing of employees available at the bank branch, receive, from the computing system, additional details concerning the specific employee, and display, using the first graphical user interface, the additional details concerning the specific employee.

Real-time custom interfaces through multi-channel geo-fencing

A method of remotely configuring a banking application based on a detected location of a computing device running the banking application, the method comprising: receiving a beacon identifier relating to a location of the computing device; determining the location of the computing device based on the beacon identifier; transmitting information about the determined location associated with a second authentication level that does not require authentication information; receiving authentication information relating to the user; authenticating the user to access a graphical user interface associated with the determined location based on the received authentication information; transmitting an authentication decision to the computing device; and displaying the graphical user interface instead of the information about the determined location.

Multi-channel geo-fencing systems and methods

Systems and methods for expediting math-based currency ('MBC') transactions are described. A financial institution facilitates the expedited MBC transactions. The expedited MBC transactions are achieved by guaranteeing merchants that a pending MBC transaction between the merchant and a customer will be verified by the MBC verification nodes. A provided guarantee can be collected on by the merchant in the event that a guaranteed MBC transaction is not verified by the MBC verification nodes.

Systems and method for expediting math-based currency transactions

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

Real time custom interfaces through multi-channel geo-fencing

An example method includes receiving information related to a transaction with a financial account initiated by a customer at a financial terminal, the financial account including a transaction limit. Based on the information related to the transaction exceeding the transaction limit for the financial account, the method includes identifying a mobile device associated with the financial account and receiving location information of the mobile device via one or both of a passive location response or an active location response. Based on the location information of the mobile device, the method includes determining that the mobile device is located within a predetermined distance from a location of the financial terminal and temporarily changing the transaction limit for the financial account by a variable amount based on whether the location information of the mobile device was received via the one or both of the passive or the active location response.

Computer-based system for determining dynamic financial transaction parameters

Systems and methods of adjusting computing device applications, such as smartphone applications, based on external beacon identifiers are described. Based on the identifier of the beacon detected by the smartphone, the smartphone application communicates with a backend server to receive location-specific information based on the identifier of the detected beacon. The location-specific information includes a location-specific user interface. In some arrangements, the location-specific user interface includes a designated user authentication level that varies from other location-specific user interfaces.

A method implemented on an augmented reality electronic device includes establishing a wireless connection with an automated teller machine (ATM). The AR electronic device is used to authenticate a user of the AR electronic device at the ATM. An initiation is permitted of a financial transaction through user interface functionality for the ATM that is displayed on the AR electronic device. Financial information for the financial transaction is displayed on a display screen of the AR electronic device, instead of displaying the financial information at the ATM.

Augmented reality security applications

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.

Systems and methods for expediting math-based currency ('MBC') transactions are described. A financial institution facilitates the expedited MBC transactions. The expedited MBC transactions are achieved by providing merchants with a customer score for a customer that is paying for goods or services with MBC. The customer score is based at least in part on prior MBC transactions entered into by the customer. In some arrangements, the customer score is also based on balance information and transaction information associated with accounts maintained with the financial institution.

Growing community of inventors

Belmont, CA, United States of America

Dominik Vltavsky