Wells Fargo Bank, N.a.

Michael H Chang

Traci H Nguyen

Samuel B Martin

Darrell Lee Suen

Nairobi N Kim

Ian Jensen

Chris Theodore Kalaboukis

Abhijit Rao

Paul Vittimberga

Julio Jiron

Jeffrey A Cornman

Beth S Moss

John Andrew Chuprevich

Kevin R Cieslak

Douglas S Pelton

Byron G Chun

Edward J Landers

Upul D Hanwella

Brian J Hanafee

Christopher Wayne Howser

Ajay Panikkar

Ramanathan Ramanathan

Brian Michael Pearce

Miranda C Hill

Marria Rhodriquez

Darius A Miranda

Laura Marie Fontana

Wayne Barakat

Muhammad Farukh Munir

Bryan D Hall

Christopher Phillip Clausen

Suzanne M Fisi

Daniel Sanford

Sotirios K Barkas

Bryan Kroll

Priyamvada Singh

Kenneth L Wright

Christina Zappala Ongpin

Samuel Downing

Virginia Randle

Cheung Li

Cong Phan

Joon Maeng

Gerardo Costilla

Cynthia James

Jannette Marie McCully

Charlotte Yan Whitney

Russell Sage Hamilton

An example method includes receiving an encrypted biometric enrollment data and user identifier data. The encrypted biometric enrollment data includes at least one biometric enrollment sample from a user encrypted using an encryption key. The encryption key is generated based on a user secret and the user identifier is associated with the user. The user identifier is matched with a stored user secret. A decryption key is generated based on the stored user secret. The encrypted biometric enrollment data is decrypted using the decryption key. The at least one biometric enrollment sample is retrieved from the decrypted biometric enrollment data. The at least one biometric enrollment sample is processed using a biometric processing algorithm to generate a biometric reference template. A biometric reference template identifier uniquely identifying the biometric reference template is generated. An encryption key is generated based on the stored user secret and encrypts an enrollment confirmation message.

Systems and methods for an authorized identification system

One or more embodiments of techniques or systems for session management, security scoring, and friction management are provided herein. Sessions may be monitored for commonalities or other attributes or aspects and closed, terminated, or a freeze placed on additional sessions from being initiated. A security score may be provided which is indicative of how secure a user is with respect to one or more ways the user interacts with a resource. One or more suggested actions or score improvement strategies may be suggested to facilitate improvement of a security score for a user. Friction management may be provided by having one or more additional layers of security applied to an account of a user or an entity based on suspicious behavior or other factors.

Session management

Systems, methods, and computer-readable storage media utilized for event-based authentication. One method includes recognizing an event and receiving, from a device, a withdrawal request of a user, wherein the withdrawal request includes a captured feature by the device. The method further includes determining that the user is associated with the recognized event using at least a geographic proximity between the event and the withdrawal request, wherein the geographic proximity is a given radius around a location of the event, and wherein the device is within the given radius and adjusting authentication rules based on the determination that the user is associated with the recognized event, wherein the adjustment of the authentication rules includes adjusting a matching threshold between the captured feature and a reference feature. The method further includes processing the withdrawal request for the user based on the adjusted authentication rules.

Event-based authentication

A system includes at least one hardware processor in communication with a gaming device and a memory storing instructions that, when executed by the at least one hardware processor, cause the at least one hardware processor to perform operations including receiving suspect gaming behavior data associated with a suspect user playing a computer game on the gaming device, comparing the suspect gaming behavior data to a user gaming behavior profile associated with another user, the user gaming behavior profile includes at least one component of behavior associated with the other user and the computer game representing a pattern of conduct of the other user, and based on the comparing, authenticating the suspect user for access to a target system as the other user.

Utilizing gaming behavior in user authentication

According to one example arrangement, a computer implemented method performed by a computing system, includes identifying a user device associated with a user. Authentication information regarding the user indicative of use of the user device is captured. A confidence level for the user is dynamically adjusted based on the authentication information. The confidence level is responsive to the use of the user device by the user.

Systems and methods for a virtual identity card

A method may include collecting, in a data store, a plurality of signals associated with a user and a geographic area; calculating, using at least one processor, a satisfaction score for the user with respect to the geographic area based on the plurality of signals; querying the data store to retrieve a set of entities associated with the geographic area; generating, using the at least one processor, a respective credit allocation amount for each of the set of entities based on the satisfaction score and a user-specified allocation modality; and initiating a transfer from a user account to a set of receiver accounts according to the respective generated credit allocation amounts.

Geolocation and physiological signals for transaction initiation

A system includes at least one hardware processor in communication with a user computing device associated with a user and a memory storing instructions. When executed by the at least one hardware processor, the instructions cause the at least one hardware processor to perform operations including receiving gaming behavior data associated with the user playing a computer game on the user computing device, the gaming behavior data includes one or more of session-based behavior data, game-selection behavior data, and ancillary gaming behavior data, determining a first trait of the user based on the gaming behavior data, and automatically computing a financial risk factor associated with the user based on the determined first trait.

Utilizing gaming behavior to evaluate player traits

Embodiments of the disclosure are directed to authenticating a user at an electronic computing device. Information is received from a defined zone of an environment surrounding the user. A level of authentication is calculated for the user based on the information from the defined zone of the environment. When the level of authentication is greater than or equal to a predetermined threshold, the user is authenticated at the electronic computing device to perform a requested activity.

Defined zone of authentication

Methods and systems of authenticating a user based on an event, such as a natural disaster, a gathering of people, and mass activities of people. The method comprises recognizing, by a financial institution computing system, an event; receiving, by the financial institution computing system, a transaction request of a user; determining, by the financial institution computing system, that the user is associated with the recognized event; adjusting, by the financial institution computing system, authentication rules for the user; and processing, by the financial institution computing system, the transaction request for the user based on the adjusted authentication rules.

Event based authentication

A fraud analysis computing system is provided. The system includes a network interface configured to communicate data over a network and a processing circuit including one or more processors coupled to non-transitory memory. The processing circuit is configured to monitor incoming call data generated during an incoming call between a user and an incoming caller, detect a fraud trigger within the incoming call data, and complete a fraud interception activity in response to detection of the fraud trigger.

System and method for intelligent call interception and fraud detecting audio assistant

Session management, security scoring, and friction management are provided herein. Sessions may be monitored for commonalities or other attributes or aspects and closed, terminated, or a freeze placed on additional sessions from being initiated. A security score may be provided which is indicative of how secure a user is with respect to one or more ways the user interacts with a resource. One or more suggested actions or score improvement strategies may be suggested to facilitate improvement of a security score for a user. The security score may be used to affect business decisions made by an institution or financial entity.

Security scoring

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Millbrae, CA, United States of America

Michael H Chang