Wells Fargo Bank, N.a.

Laura Marie Fontana

Nikolai Stroke

Duc M Trinh

Matthew Shepherd

Rameshchandra Bhaskar Ketharaju

Andrew J Garner, Iv

Wayne Barakat

Abhijit Shetti

Todd Biggs

Mabel Oza

Ashish Bhoopen Kurani

Marria Rhodriquez

Michael Knorr

Harmit Singh Dhanoa

Amita Kheterpal

Erik F Nelson

Daniel Oshima

Samuel Ostler

Daniel G Vogt

Sayali Bhos

Michael R Thomas

Kristine Ing Kushner

Paul Vittimberga

Margot Lockwood-Stein

Brian J Hanafee

Caroline Machado

Ha M Duong

Marc Le Boeuf

Walter Schenk

Marion M Hsieh

Maria M Benjamin

David Edward Newman

Darius A Miranda

John T Wright

Traci H Nguyen

Julio Jiron

Michael H Chang

Beth S Moss

Sotirios K Barkas

Yvette Hatton

Margaret S Honeycutt

Adnan Khan

Kimberly Ann MacInnis

Philip Sprague

Daniel A Porter

Oleg Pravdin

Jann McCully

Brian Michael Pearce

Muhammad Farukh Munir

Systems, methods, and computer-readable storage media for locking-in currency exchanges. One method includes providing, by a graphical user interface (GUI) of a wallet application, a customer request, wherein the customer request is a request for a currency transfer between a customer account of the customer to a recipient account of a recipient, wherein the customer account is associated with a first type of currency and the recipient account is associated with a second type of currency, presenting, by the GUI of the wallet application, a locked-in exchange rate for a time limit and data corresponding to the exchange rate and the time limit, exchanging, by the wallet application, an amount of the first type of currency for an amount of the second type of currency based on the exchange rate, and receiving, by the GUI of the wallet application, an indication of a transferred amount for a currency transfer.

Systems and methods for foreign currency exchange and transfer

Systems, methods, and computer-readable storage media of exchanging digital assets using a public key cryptography framework. One method includes encrypting at least one digital asset on an internal ledger and storing the encrypted at least one digital asset on an internal ledger. The method further includes receiving a signed exchange request signed by a first key corresponding with an encrypted digital asset on the internal ledger and providing, to an inter-provider ledger, a second key based on interfacing with the inter-provider ledger based on establishing a first data feed. The method further includes determining the signed exchange request was verified. The method further includes updating a central ledger by interfacing with of the central ledger via an application programming interface (API) based on establishing a second data feed and wherein at least one of a plurality of fields of the encrypted digital asset is a universal field.

Systems and methods of exchanging digital assets using a public key cryptography (PKC) framework

An automated teller machine (ATM) allows a user with accounts at both a first institution and a second institution to use an ATM of the first institution to physically place cash or a check into the ATM of the first institution for deposit into an account at the second institution. In some cases, a failed attempt message may indicate a funds transfer failed due to a network connectivity issue, an inactive payee account, or an expired payee account number. In case of a network connectivity issue, the funds transfer may be reinitiated. In case of an inactive payee account or expired payee account number, funds may be transferred to the first account instead of the second account. The ATM may display an indication of the failed attempt and a confirmation of a transfer to the first account.

Systems and methods for inter-institutional ATM functionality

A method for preventing the double-spending of digital currency that transfers between multiple distributed ledger technology (DLT) networks. The method includes receiving a message including a smart contract and executing the smart contract. The method further includes detecting a transaction request to transfer the first digital currency from the first DLT network to the second DLT network. The method further includes destroying the digital currency and creating, based on the unit of fiat currency, a second digital currency of a second type on the second DLT network. The method further includes transferring, responsive to detecting the transaction request, the first digital currency from the first DLT network to the second DLT network.

Bank-driven model for preventing double spending of digital currency transferred between multiple DLT networks using a trusted intermediary

Systems, methods, and computer-readable storage media utilized for revoking access to a financial account held by a customer of a financial institution. One method includes determining, by at least one processing circuit, an access level based on information stored in an account database and an adverse event experienced by a customer. The method further includes authorizing, by the at least one processing circuit, a designee of the customer comprising the access level for at least one future payment request. The method further includes transmitting, by the at least one processing circuit, an alert message corresponding to the authorization of the designee for the access level. The method further includes in response to receiving an input from a user device, withdrawing, by the at least one processing circuit, the access level.

Break the glass for financial access

Systems, methods, and computer-readable storage media of template-based digital asset exchanges using a public key cryptography (PKC) framework. One method includes storing a plurality of exchange templates, and receiving a signed exchange request signed by a private key of a public and private key pair associated with a digital asset. The method further includes receiving an environmental dataset, and selecting, utilizing the environmental dataset, an exchange template of the plurality of exchange templates. The method further includes populating the plurality of fields of the selected exchange template based on the environmental dataset. The method further includes providing, to a plurality of user devices, a public key, updating a provider ledger, and updating a central ledger.

Systems and methods of template-based digital asset exchanges using a public key cryptography (PKC) framework

A method for performing payment transactions includes obtaining payor or payee information for a social media payment transaction and using the payor or payee information in a funds payment transaction on another system. Other systems, apparatuses, and methods are also described.

Social payments recipient capture

Systems, methods, and computer-readable storage media of wrapping digital assets. One method includes receiving, from a central provider system, a digital asset signed by a central private key associated with a digital asset on a central ledger, and verifying the digital asset based on a central public key. The method further includes updating the digital asset including an assignee field, and receiving an attribute for a second assignee of the digital asset. The method further includes wrapping utilizing the private key of the public and private key pair, the digital asset with the attribute and receiving environmental data. The method further includes determining the at least one condition of the attribute is satisfied, and updating the assignee field.

Systems and methods of digital asset wrapping using a public key cryptography (PKC) framework

A system and method for preventing the double-spending of digital currency that transfers between multiple DLT networks. The system and method includes creating a first digital currency of a first type on the first DLT network stored in a digital wallet, the first digital currency associated with a second digital currency of a second type on a second DLT network, configuring a monitoring agent on the node, the monitoring agent configured to intercept at least one of a function call, a message, or an event on the digital wallet, and locking, responsive to intercepting the at least one of the function call, the message, or the event, the first digital currency onto the first DLT network to prevent a transfer of the first digital currency from the digital wallet on the first DLT network to another DLT network responsive to a subsequent transaction request.

Bank-driven model for preventing double spending of digital currency coexisting on multiple DLT networks

Systems, methods, and computer-readable storage media of exchanging digital assets using a public key cryptography framework. One method includes storing a plurality of digital assets on an internal ledger, and receiving a signed exchange request signed by a private key of a public and private key pair associated with a digital asset on the internal ledger, wherein the signed exchange request includes a destination address of an inter-provider ledger. The method further includes providing, to the inter-provider ledger, a public key of the public and private key pair based on interfacing with the destination address of the inter-provider ledger via a first API, and determining, from the inter-provider ledger, the signed exchange request was verified. The method further includes updating the internal ledger by removing the public and private key pair, and updating a central ledger by interfacing with a central address of the central ledger via a second API.

A system for collecting property status information from a property for a virtual appraisal receives the property status information from a plurality of devices positioned about the property, stores the property status information in a database, and assesses the property status information to create the virtual appraisal for the property.

Virtual property appraisals and/or inspections

Systems, methods, and computer-readable storage media utilized for determining access to a financial account held by a customer of a financial institution. One method includes establishing a communication session with a sensor device, wherein the financial institution computing system continuously receives sensor data over the communication session and receiving, from a point-of-sale (POS) terminal, a payment request. The method further includes retrieving, from the user device via an application programming interface (API), device data including at least application data and receiving, from the sensor device, the sensor data including at least one of geolocation data or biometric data of the sensor device. The method further includes determining the customer experienced an adverse event based on the sensor data and the device data and determining automatically an access level. The method further includes authorizing, by the processor, the payment request utilizing the financial account held by the customer to a designee.

Growing community of inventors

San Francisco, CA, United States of America

Laura Marie Fontana