Wells Fargo Bank, N.a.

Intellectual Ventures Fund 79 LLC

Weils Fargo Bank, N.a.

Joon Maeng

Ramanathan Ramanathan

Abhijit Rao

Chris Theodore Kalaboukis

Rameshchandra Bhaskar Ketharaju

Andres J Saenz

Andrew J Garner, Iv

Thomas B Hayes

Abhijit Shetti

Darius A Miranda

Uma Meyyappan

Rajiv Ranjan

Chandramouli Subramanian

Joel Eric Boeder

Makarand Shivadevuni

Michael R Thomas

Ramesh Yarlagadda

Azita Asefi

Brian J Jacobsen

Jenny Y Tao

Pierre Arbadjian

Ximing Zhao

Marcia Klingensmith

Dennis Emmanuel Montenegro

Darrell Lee Suen

Adam M Sanders

Muhammad Farukh Munir

Michael H Chang

Pankaj Parekh

Cynthia James

Charlotte Yan Whitney

Various examples described herein are directed to systems and methods for processing a payment using a mobile wallet network and issuer. A mobile wallet application provides payment information and an indication if payment may be done directly via the mobile wallet network to a point of sale (POS) terminal. The POS terminal determines which payment network to use. A bill may be sent to the mobile wallet application. The mobile wallet application requests payment authorization from an issuer. The issuer provides the authorization and the transaction is completed between the POS terminal and the mobile wallet application.

Direct payment authorization path

Various examples are directed to systems and methods for processing offline payments from a mobile wallet. A computing system may receive, from a financial institution system, an authentication request message comprising a first offline token. The computing system may determine that the mobile wallet application is not online and determine that the first offline toke comprises first offline token data that matches the first offline token reference data. The computing system may send to the financial institution system a first authentication message indicating that the first offline token is associated with the mobile wallet application.

Mobile wallet with offline payment

Systems and methods that facilitate a mobile wallet splitting payments to an invoice between multiple payment accounts are disclosed herein. The mobile wallet can receive an invoice, and then select a set of payment accounts to each pay a portion of the invoice. The mobile wallet can send the payment information to a point of sale device, indicating that the payment include multiple payments from different payment accounts. The point of sale device can then process the multiple payments, either sequentially, or in parallel. In an embodiment, the mobile wallet can receive partial payments from other mobile wallets for the invoice, collect the payments together, and send the payment information at once to the point of sale device for the set of mobile wallets.

Automatically processing split payments in POS device

Disclosed in some examples are methods, systems, machine readable mediums that provide a network-based joint investment platform that enforces agreed-upon decision rules on jointly managed investments and provides collaboration and decision-making support tools for joint managers to make decisions about taking actions related to one or more jointly-managed assets. The platform may provide for configuring a plurality of decision rules that identify which managers can take which actions and under what conditions. The joint investment platform may enforce the decision rules by requesting any specified approvals according to the decision rules. Once those rules are satisfied, the joint investment platform may execute the requested actions. If the required approvals are not obtained, or the rules provide no path to approval, the action may not be executed.

Network-based joint investment platform

A distributed computing system includes a blockchain comprising a plurality of blockchain services comprising an oracle service, a predictive analytics service, a loan service, and a consensus service. The oracle service configured to receive input data comprising at least one of financial data associated with at least one of the plurality of syndicate participants, macroeconomic data, geo-location data, disaster data, or public health data. The predictive analytics service configured to utilize the input data to determine whether a first syndicate participant of the plurality of syndicate participants has an excess of funds and whether a second syndicate participant of the plurality of syndicate participants has a lack of funds where the first syndicate participant is different than the second syndicate participant. The loan service configured to facilitate a loan agreement between the first syndicate participant and the second syndicate participant. The consensus service enabling a consensus process used to agree on a validity of data transactions that are recorded by the blockchain such that the consensus service maintains a replicating ledger within the distributed computing system.

Geolocation-based mesh automatic lending network

This disclosure describes techniques in which an artificially intelligent system includes a progressive machine learning model. In some examples, a system includes both a static and progressive model, each trained to make predictions or other assessments through machine learning techniques. The progressive model may be progressively updated, modified, and/or improved through additional training data or training examples, which may be derived from a local source and/or from one or more remote sources that may be chosen by a qualifier. The qualifier may be a human decision-maker that chooses, selects, and/or evaluates potential data or new training examples for use in updating the progressive model. The qualifier may, in other examples, be an artificially intelligent system trained to perform the functions of the qualifier.

Progressive machine learning using a qualifier

In one example, a method includes at a first network infrastructure computing device of a plurality of networked infrastructure computing devices receiving, from a user computing device, an authentication token indicating a user using the user computing device is authenticated with respect to an electronic service, based on the user being authenticated, executing a computing task associated with the electronic service for the user computing device, the computing task including computing task data, predicting a set of possible future locations of the user based on an output of a movement prediction model executing on the first network infrastructure computing device, identifying a set of network infrastructure computing devices correlated with the set of possible future locations, and transmitting the authentication token and the computing task data to the set of network infrastructure computing devices.

Computing task transfers between cellular infrastructure devices

An example method includes sending a request for performance information associated with one or more candidate devices with which a device may perform a new transaction, responsive to sending the request, receiving the performance information that includes data associated with at least one historical transaction previously performed by the one or more candidate devices, analyzing the performance information using one or more device-specific performance criteria defined by the device, wherein the one or more device-specific performance criteria are associated with the new transaction and/or the candidate devices, determining, based on the analyzing, rating information associated with the candidate devices, wherein the rating information is customized for the device using the device-specific performance criteria that are defined by the device, selecting, based on the rating information, a particular candidate device from the one or more candidate devices, and initiating, with the particular candidate device, performance of the new transaction.

Customized device rating system using device performance information

A method includes using a distributed computing system to form a syndicate, generate a unique identifier for each of a plurality of participants of the syndicate, receive a verification request comprising the unique identifier from each of the plurality of participants, verify that a respective entity is a node on the distributed computing system, receive loan terms templates from each of the plurality of participants, receive a plurality of data from each of the plurality of participants, identify a first subset of participants having an excess of funds and a second subset of participants having a lack of funds, and verify each of the first subset of participants and the second subset of participants. The method includes using a syndicate computing system to automatically execute at least one loan agreement between at least one of the first subset of participants and at least one of the second subset of participants.

A method may include, receiving, at a server device and from a requesting computing device associated with a requesting user, a request for a data item. The data item configured may be configured as a data structure and include an encrypted data payload; metadata identifying a source of the payload and when the data payload was captured; and a token identifying an owner of the data item and access rights to the data item. The method may include parsing the token to identify the owner of the data item; transmitting the request for the data item to a computing device associated with the owner; receiving a response from the computing device. The response may indicate the requesting user may access the data item, and in response, transmit a decryption key to the requesting computing device for the encrypted data payload. The method may include updating the token.

System for data access token management

Embodiments of the present disclosure provide for improvements in managing connection channels for multiple associated users. As connection channel changes occur for one or more users, various connection channels are updated such that appropriate functionality is accessible as determined based on aspects of the connection channel change. Example embodiments provide for establishing, with an electronic data management system, a connection channel associated with processing a shared electronic data object, where the connection channel is established associated with a first user data object; and causing rendering of a user interface that provides access to first functionality via the electronic data management system, and receiving an indication of a connection channel change, and causing updated rendering, based on the connection channel change and in response to receiving the indication of the connection channel change, of the user interface to provide access to updated functionality via the electronic data management system.

Apparatuses, computer-implemented methods, and computer program products for improved multi-user channel management

Systems, methods, and apparatuses for facilitating augmented reality (AR) rewards are described herein. The system includes a sensor network configured to transmit and receive sensor data within an environment. A first user device associated with a first user and a second user device associated with a second user are configured to communicate with the sensor network and determine a position and an entity positioning characteristic of the first user and the second user, respectively. A computing device is configured to receive the sensor data including the position and entity position characteristics of the first and second users. The computing device is also configured to determine a behavior of the first and second users based on the received data. The computing device is also configured to generate a plurality of reward tokens. Each of the reward tokens is associated with a behavior characteristic.

Systems and methods for geolocation-based city and community promoted augmented reality rewards

A computing device may generate a hash value based at least in part on user credentials for accessing an internal network, a security code generated by a security token, and at least a portion of program code of a virtual computing application for accessing the internal network. The computing device may send, using a first communications channel, an indication of the hash value to a computing system associated with the internal network. The computing device may, in response to sending the hash value, receive, via a second communications channel, a first indication of a passcode from the computing system. The computing device may, in response to receiving the passcode, send a second indication of the passcode to the computing system.

Secure authentication for a virtual computer

A distributed system includes a user device that is configured to identify a service provided by a service device; determine a specific amount of funds associated with the service; send, to a lending device, a real-time loan request associated with a loan, where the real-time loan request specifies at least an identifier of the user device and the specific amount of funds for the loan; receive, from the lending device, a digital token that specifies usage restrictions that are associated with (i) an approved amount of funds, (ii) a duration of the loan, and (iii) a payee associated with the service device; and send, to the service device, a real-time transaction request for the service provided by the service device, where the real-time transaction request includes the digital token that is redeemable by the payee associated with the service device for the approved amount of funds for the loan.

Device-to-device microlending within a distributed system

Various examples are directed to systems and methods for securely sending and using proxy element in a mobile wallet system. Through a user interface associated with a proxy originator wallet, user input may be received that defines the parameters of the proxy element. The parameters may include one or more of a spending limit, a time duration, a use number condition, and a transfer condition, and a product condition. A request may be sent from the proxy originator wallet to a proxy approver system to create the proxy element. The originator wallet may receive a proxy grant acknowledgement from the proxy approver system. The grant acknowledgement may instructions for obtaining credentials for the proxy element. The proxy element including the parameters and the instructions for obtaining credentials may be sent to a mobile wallet of a recipient. The recipient mobile wallet may use the proxy element for payment or non-payment transactions.

Growing community of inventors

Newcastle, WA, United States of America

Joon Maeng