Wells Fargo Bank, N.a.

Matthew N Wheeler

John Andrew Chuprevich

William Blakely Belchee

Matthew Brookshire

Bradley Long

Carrie Anne Hanson

Kayli Wolford

Emily Palmer Brown

William J Bailey

Joseph De Bruin Tennis

Shawn Walker

Systems and methods for a subscribable information locker are disclosed. One disclosed method includes receiving first secure user information associated with a user, updating a secure record associated with the user to include the first secure user information, determining a security level associated with the first secure user information, determining an authorization level associated with a subscriber, and upon determining that the authorization level meets the security level, transmitting data associated with the first secure user information to the subscriber.

Systems and methods for a subscribable information locker

Systems, apparatuses, methods, and computer program products are disclosed for securely facilitating a package transfer between parties. An example method includes receiving a package offer indication and providing a control signal to a storage locker compartment of a storage locker in response to determining a package drop-off indication. The example method may further include generating a package purchase data object and determining a package sale indication associated with the package offer indication. The example method may further include providing a control signal to the storage locker compartment housing a package associated with the package offer indication in response to determining a package pick-up indication and updating the package purchase data object based on the package sale indication. The example method may further include transmitting a payment to a seller account based on the package purchase data object in response to a payment trigger event.

Method, apparatus, and computer program product for secure facilitation of package transfer

Methods, apparatuses, and computer program products are provided for dynamically determining a trust score for an authentication action request. An example method includes receiving an authentication action request from a user device. The method further includes determining a device trust score associated with the user device and generating an action trust score for the authentication action request based at least in part on the device trust score. The method further includes providing an authentication action response to the user device based at least in part on the trust score for the authentication request. The authentication action request metadata may include one or more of event data, user device information, location data, user biometric information, user device interaction information.

Methods, apparatuses, and computer program products for dynamic trust score determinations for authentication action requests

Systems, apparatuses, methods, and computer program products are disclosed for verifying candidate communications. An example method includes receiving a communication verification request comprising a candidate communication from a third-party device and determining one or more candidate communication feature values for one or more communication feature types. The example method further includes querying an authentic communication storage repository for an authentic communication record that comprises one or more authentic communication feature values that correspond to the one or more candidate communication features, wherein the authentic communication storage repository comprises a plurality of authentic communication records. The example method further includes determining a communication classification for the candidate communication based on a query result and providing a communication verification response comprising the communication classification to the third-party device.

Systems and methods for verifying candidate communications

A trusted data management system (TDMS) receives, from a third party system, a request for user data and a user identifier. The TDMS identifies a data sharing schema from a set of data sharing schemas associated with the user identifier. The data sharing schema defines a subset of data values of the user data. The data sharing schema also defines, for each data value of the subset of data values of the subset of the user data, a format for transmitting the data value. The TDMS retrieves, from a data storage unit, the subset of data values of the user data. The TDMS formats each data value of the subset of data values in accordance with the respective defined format of the data value. The TDMS transmits, to the third party system, the subset of user data in accordance with the data sharing schema.

System for providing selective access to user information

Systems, apparatuses, methods, and computer program products are disclosed for verifying candidate communications. An example method includes establishing an authenticated session with a user using a user device and receiving a communication verification request comprising a candidate communication. The example method further includes determining one or more candidate communication feature values for one or more communication feature types and querying an authentic communication storage repository for an authentic communication record that comprises one or more authentic communication feature values that correspond to the one or more candidate communication features. The example method further includes determining a communication classification for the candidate communication based on a query result and providing a communication verification response comprising the communication classification to the user device.

Methods, apparatuses, and computer program products are disclosed for generating and/or using a mobile legal identification data object. An example method includes receiving a request for a mobile legal identification data object and generating the mobile legal identification data object based at least in part on the request for the mobile legal identification data object. The method further includes associating the mobile legal identification data object with a user profile. The method further includes providing the mobile legal identification data object to a user device associated with the user profile.

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Charlotte, NC, United States of America

Matthew N Wheeler