Wells Fargo Bank, N.a.

Jason Huang

Dennis Emmanuel Montenegro

Christopher Sipanya

Jason V Biala

Ramanathan Ramanathan

Darren M Goetz

Margaret S Honeycutt

Marjorie S Anzalone

Debarchana Roy

Andriy Fedorchuk

Adam Benjamin Smith-Kipnis

Matthew Pearce

Miriam Felecia Clark

Rajeswaran Govindan

Ryan Lee Hammond

Wyman Yu

Sergey Yamandiy

Graham Linn

Rajiv Ranjan

Sadie Salim

Robert Glenn Hamchuk

Carrie Anne Hanson

Dominik Vltavsky

Benjamin S Taylor

Shari Van Cleave

Fairy Bui

Jasim Ahamed Pattani Sirajudeen

Clynton Taylor

Harrison Thomas

Anthony Stimola

Raj Marwah

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

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

A method of authenticating a passcode entered by a user on an unstable electronic computing device. The method includes receiving an indication that an input is unstable, impacting the ability of a user to provide the input; generating a dynamic keyboard including at least one alphanumeric key, the dynamic keyboard being configured to address the unstable input; presenting the dynamic keyboard to the user; receiving the input from the user, the input comprising a selection of at least one alphanumeric character of a passcode on the dynamic keyboard; and authenticating the input received from the user by comparing the at least one alphanumeric character and a stored passcode.

Dynamic keyboard for electronic computing device

A method includes receiving an asset freeze service request having an authentication token by a service computing system from a user computing system. The method further includes retrieving a recorded user identifier and a recorded asset identifier by the service computing system from an asset control system that facilitates access of the virtual asset within a virtual environment. The method further includes comparing the user identifier with the recorded user identifier or the asset identifier with the recorded asset identifier by the service computing system. The method further includes the service computing system generating a key associated with the virtual asset and sending the key and the asset freeze service request to the asset control system. The method further includes service computing system generating an asset freeze protocol defining access to the virtual asset. The asset freeze protocol includes receiving a level one first trigger by the service computing system.

Virtual asset freeze

A method may include retrieving, from a data store, an environment template data file; parsing the environment template data file to identify: path data; an amount of events; and display location information with respect to each event in the amount of events; accessing a user profile identifying scheduled events for a user; for a first event in the scheduled events for the user, predicting using at least one processor, a set of decisions associated with the first event, and a set of impact determinations for each respective decision in the set of decisions; generating, using the processing device, a user interface based on the path data, the amount of events, the display location information, the set of decisions associated with the first event, and the set of impact determinations for each respective decision in the set of decisions; and presenting the user interface on a computing device of the user.

Path-driven user interface

A method may include receiving, at a server device, a request from a third-party website over an application programming interface (API), the request including a user identification and an item identification; retrieving, at the server device, a set of goal data structures generated for a user profile of a user matching the user identification; matching, at the server device, the item identification to an identification within a goal data structure of the set of goal data structures, the goal data structure including a plurality of steps associated with the goal data structure; generating, at the server device, a response data structure including a status of each step of the plurality of steps associated with the goal data structure; and transmitting the response data structure to the third-party website.

System for electronic service interoperability

This disclosure describes techniques that include a system for supporting payment, data visibility, action recommendations, and advice pertaining to activities across various commercial entities, applications, and/or consumer/commercial entity relationships. In one example, this disclosure describes a method that includes identifying, by a computing system, interactions with each of a plurality of commercial entities; determining, by the computing system, information about incentive policies for each of the plurality of commercial entities; receiving, by the computing system and from a user device, a request; generate, by the computing system, a recommendation, wherein the recommendation is generated based on the request, the interactions with the plurality of commercial entities, and an analysis of the incentive policies for each of the plurality of commercial entities; output, by the computing system, information about the recommendation to be presented by the user device.

Consumer relationship optimizer

A method for representing a visualization of assets includes receiving a request for a transfer of assets from an electronic computing device having augmented reality (AR) capabilities or virtual reality (VR) capabilities. The request includes a source account, a destination account, and a transfer amount. An image data is generated, which is representative of the transfer amount being transferred from the source account to the destination account. The image data is sent to an image generator of the electronic computing device to be displayed.

Digital representation of transfer of monetary assets

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

Growing community of inventors

San Francisco, CA, United States of America

Jason Huang