Wells Fargo Bank, N.a.

Gerard K Cohen

Christopher P Smith

Michelle D Green

Edmund Gauci

Eric L Miller

Kenneth L Wright

Michelle M Young

Craig Stuart

Eric Miller

Systems, methods, and apparatuses for authenticating a user based at least in part on a location of the user or a location of a user device are described. A method includes: receiving a login request including a user identifier associated with a user; transmitting a request for location information of a user device associated with the user; causing computer-executable code deployed to the user device to generate a location-based modifiable digital fingerprint comprising a first encoded value based on a unique identifier of the user device and a second encoded value based on a first location information of the user device; receiving the location-based modifiable digital fingerprint from the user device; verifying that the location information from the location-based modifiable digital fingerprint corresponds to a second location; and providing the user access to the computing device.

Systems and methods for location-binding authentication

Systems and methods for populating the fields of an electronic form are disclosed. A method includes automatically initiating a hands-free mode of operation based on a first input from a user; receiving a second input corresponding to a value of a current field of a plurality of fields of an electronic form; converting, using a plug-in, the second input into the value for the current field, where the value is identified by comparing syllables of the second input to known syllables associated with a historical input of the user; displaying the value in the current field; determining, using the plug-in, that the value in the current field matches an expected value for the current field; and prompting the user to submit the electronic form in response to determining that the electronic form is complete based on a determination that a predefined subset of the plurality of fields are populated.

Digitally aware neural dictation interface

Systems, methods, and apparatuses for setting credentials for accounts, or cards associated with accounts, are provided. A queue of credentials may be maintained for facilitating access to at least one account of a user. Credentials in the queue may be automatically generated using information provided by the user without additional input from the user. A deactivation event relating to the account may be detected, in response to which one credential for the account may be deactivated. A new credential from the queue may be activated to facilitate access to the account.

Systems and methods for providing queued credentials for an account

Systems and methods for populating the fields of an electronic form are disclosed. A method includes receiving, by a processing circuit, a speech input for filling out a field of an electronic form; determining, by the processing circuit, an irregularity in the speech input; refining, by the processing circuit, the speech input based on the determined irregularity; converting, by the processing circuit, the refined speech input into text; and providing, by the processing circuit, the text to a user device to populate the field with the text.

Systems, methods, and apparatuses for changing credentials for an account, or a card associated with an account are provided. A method of changing user credentials by creating a queue of credentials for facilitating access to at least one account of a user, where each credential in the queue of credentials is randomly and automatically generated using information provided by the user without additional input from the user; detecting a deactivation event relating to an account of the at least one account of the user; responsive to the detected deactivation event, deactivating a current credential for the account; and activating a new credential to facilitate access to the account, where the new credential is next in the queue of credentials.

Systems and methods for populating the fields of an electronic form are disclosed. A method includes receiving a speech input from a user corresponding to a first field of a plurality of fields of an electronic form provided on a display screen of the user device; converting the speech input from an audible value into text; displaying, on the display screen of the user device, the text in the first field of the electronic form to allow a visual verification by the user; prompting, via a speaker of the user device, the user for information for a second field and a subsequent field in the plurality of fields upon each preceding field being populated with text from converted speech inputs; determining the form is complete based on a set of populated fields in the plurality of fields; and enabling a submission of the completed form.

Systems, methods, and apparatuses for authenticating a user based at least in part on a location of the user or a location of a user device are described. The user may be authenticated as part of a financial transaction or as part of a login process for a computing device. The user device was previously bound or associated with the user. During the authentication, a system (e.g., a financial institution computing system or a backend authentication system) requests location information from the user device. The location information may be packaged as a digital fingerprint of the user device, which can only be created from the user device. Based on the location information, the user can be authenticated thereby approving the transaction or login request.

Growing community of inventors

Oakland, CA, United States of America

Gerard K Cohen