Wells Fargo Bank, N.a.

Jay Michael Bozicevich

Michael Tilaro

Jonathan E Hoveland

Tiffany N Twilley

Sara V Althoff

Liesl Brown

Karl Willard

Alan W Hecht

Jenny Y Tao

Mahendra Sarvottam Telang

Sarah Hiccox

Marcia N Kurtz

Latson Li

Chelsea K McDermott

A financial institution computing system includes a network circuit exchanging information over a network, a customer database storing financial information, and a transaction circuit. The transaction circuit receives a transaction request associated with a user computing device. The transaction request specifies a financial account. The transaction circuit receives payment card location information indicative of a location of a payment card with respect to the user computing device. The payment card location information indicates that the payment card is within a threshold distance of the user computing device. The transaction circuit authenticates the transaction request using the payment card location information and by determining whether the payment card is associated with an authorized user of the financial account. The transaction circuit authorizes the transaction request based on whether the transaction request is authenticated and transmits a confirmation to a transaction terminal over the network via the network circuit.

Systems and methods for authentication based on personal network

Methods and systems of generating payees from paper check deposits are disclosed. A financial institution computing system includes a data storage system, a network interface logic enabling the financial institution to exchange data over a network, a check processing logic, and a payment transaction logic. The check processing logic obtains payee information using a paper check deposit request submitted by a recipient. The payment transaction logic uses the payee information to create and store the potential payee in the data storage system.

Systems and methods for paper check processing and payee setup

Systems and methods for authentication based on personal card network

A payment device includes a biometric sensor configured to receive a biometric measurement from a user. The payment device also includes a display configured to selectively display sensitive payment account information for a payment account of the user. The payment account is associated with the payment device. The payment device further includes a processor and instructions stored in non-transitory machine-readable media. The instructions are configured to cause the payment device to receive the biometric measurement from the biometric sensor. The user is authenticated if the biometric measurement matches a stored biometric of the user. Upon authenticating the user, the sensitive payment account information is displayed on the display. The sensitive payment account information is removed from the display a first predetermined time period after authenticating the user.

Payment devices with enhanced security features

A computer-implemented system and method are provided for process control during a transfer of an entity from a transferor system to a transferee system. The method comprises, in a pre-transition state, storing data of a user in the memory comprising combined non-divested data that remain with the transferor, and to-be divested data that are a part of the entity and remain with the entity during and after the transfer. In a transitional state, the method provides full access to the user data by the transferor, provides additional limited access to the to-be divested data by the transferee, receives required new access credentials permitting the user to access the to be divested data, and partially restricts access to the to-be divested data. In a final state, the method divests the to-be divested data, making it divested data, and removes access to the divested data by the transferor.

Process control and data access for pre-transitional, transitional, and post-transitional transfer

Growing community of inventors

Golden Valley, MN, United States of America

Jay Michael Bozicevich