Wells Fargo Bank, N.a.

Muhammad Farukh Munir

Chris Theodore Kalaboukis

Darrell Lee Suen

David C Hatch

Timothy Roger Ward

Suzanne M Fisi

Simone Olivia Harvey

Aaron Francis Colfax Petrik

Steven J Wirt

Nancy B Zimmerman

Ryan James Wyler

Jennifer L Copeland

Kristine Ing Kushner

David Edward Newman

Dennis Emmanuel Montenegro

Traci H Nguyen

Abhijit Shetti

Tyua Larsen Fraser

Raissa Williams

Millicent Calinog

Patricia Chouanard-McAdam

Darius A Miranda

Michael H Chang

Priyamvada Singh

Kenneth L Wright

Jana L Chilton

Angira Goswami

Joon Maeng

Andrew J Garner, Iv

Brian Michael Pearce

Paul Vittimberga

Laura Marie Fontana

Christopher Phillip Clausen

Bryan Kroll

Benjamin W Geertz

Daniel Oshima

Gerardo Costilla

Pamela M Murphy

Haritha Devarajan

Jannette Marie McCully

Russell Sage Hamilton

Thomas W Gross

Waverly W Chao

Jennifer Lynn Semien Copeland

Cynthia James

Charlotte Yan Whitney

Darrell L Suen

Traci Nguyen

A method comprises predicting a preferred funds transfer method of a payee based on payee data, generating a token based on the predicted preferred funds transfer method where the token is decodable to identify the predicted preferred funds transfer method and the payee, and initiating, in response to an input from the payee, an electronic funds transfer from a payer to the payee.

Predicting and making payments via preferred payment methods

Purchasing, maintaining, and deriving revenue from mobile autonomous units is facilitated by providing a mobile autonomous unit marketplace in which equity shares in mobile autonomous units can be bought, sold and traded. Valuation of mobile autonomous units within the marketplace can be a function of a variety of factors such as the mobile autonomous unit's primary geographic region, and the number, diversity, and time management of revenue streams available to the mobile autonomous units.

Purchasing and monetizing of mobile autonomous units

A computer-implemented method includes: generating a GUI including a first button selectable to register identity information and a second button selectable to request identity information; receiving, in response to the first button being selected, pieces of identity information regarding a customer; receiving a preference for each piece of identity information from the customer that governs distribution of identity information to requesting parties; generating a customer-specific key; provisioning the key to an identification chip of a customer computing device; transmitting the graphical user interface to a computing device of a requesting party other than the customer; receiving, in response to the second button being selected, the key, a request for identity information, and an identity of the requesting party; identifying the customer based on the key; determining that a preference for the requested piece of identity information is met; and providing the requested piece of identity information to the requesting party.

Systems and methods for federated identity management

A method for using an autonomous vehicle includes receiving one or more user preferences for use of the autonomous vehicle. A destination is received for a trip using the autonomous vehicle. An arrival time is received for when the trip needs to be completed. A determination is made as to whether the user preferences includes a preference for physical activity for the trip. One or more routes are provided for the trip to the destination that permits the trip to be completed by the arrival time and that implements at least one of the user preferences. At least one of the routes comprises a hybrid route including one segment in which a physical activity selected by the user is suggested for traversing a distance of the one segment and another segment using the autonomous vehicle.

Creating trip routes for autonomous vehicles

Systems and methods for predicting and making payments via preferred payment methods include predicting a preferred funds transfer method of a payee, generating a token based on the predicted preferred funds transfer method, providing the token to a payee device, receiving an input from the payee device indicating an agreement with the predicted preferred funds transfer method, and initiating, in response to the input, an electronic funds transfer from a source account of the payer to the payee.

Customization of sharing of rides can involve the grouping of passengers in vehicles according to objective and subjective parameters and preferences. In some embodiments, vehicles or other components of the system are equipped to identify and compare information about users of the system using biometric scanning. In some embodiments, fares for rideshares can be tied to a projected quality or desirability of the rideshare for a user or users of the system.

Customization of sharing of rides

Examples described herein relate to apparatuses and methods of providing real-time notifications on affordability and advisability of purchasing goods or services using augmented reality. The method includes receiving, from AR device associated with a user, visual data representing a view through a viewing area of the AR device. The visual data comprises geolocation data indicating a geolocation of the AR device. The method includes identifying an image of an object included in the visual data. The method includes determining, based on the visual data, a product identifier associated with the object. The method includes determining an attempt by the user to purchase the object. The method includes generating, in response to determining the attempt, recommendation data based on the product identifier and an account associated with the user. The method includes sending the recommendation data to the AR device to cause the AR device to display the recommendation data to the user.

Method and system for concurrent visualization tool using augmented reality to improve decision making

Systems and methods for facilitating optimization of documents based on prior interactions according to one or more example embodiments are shown. Such systems and methods make use of analyzing information obtained from financial institution computing system as well as other third party networks. Such systems and methods also make use of analyzing information stored from previous interactions with documents (e.g., financial disclosures). In some embodiments, this analysis of data allows for documents, such as disclosure documents, to emphasize features or sections that are of particular interest to the individual receiving the document. Information associated with one or more sections of a disclosure document may be pushed to account holders based on a disclosure associated event.

Optimizing display of disclosure based on prior interactions

Systems and methods for predicting and making payments via preferred payment methods include determining an amount that a payer owes a payee, predicting a preferred funds transfer method of the payee, providing a notification to a payee device associated with the payee, receiving a user input from the payee device indicating an agreement with the preferred funds transfer method, and initiating, in response to the user input, a funds transfer from a source account of the payer to the payee. Predicting a preferred funds transfer method of the payee can include performing data analytics on at least one data source associated with the payee, such as a smart digital wallet, a social network account, a smart appliance, a financial account, a financial transaction, a shopping list, and a geographic location, etc. In some embodiments, predicting a preferred funds transfer method of the payee includes rerouting the payment to downstream payees.

A user device includes a touchscreen, a camera, and a client application. The client application is structured to provide a first view of a first user through a first camera input of the camera device, a first user image displayed on the display, provide a second view of a second user through a second camera input of the camera device, a second user image displayed on the display, receive a transaction amount, detect a slide of a user input member from the first user image to the second user image displayed on the touchscreen, and in response to detecting the slide of the user input member from the first user image to the second user image on the touchscreen, initiate a transfer of funds from a first user account associated with the first user to a second user account associated with the second user equal to the transaction amount.

Value transfer via facial recognition

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 computer-implemented method includes receiving, by a federated identity computing system, identity information from a customer; receiving, by the computing system, preferences for the identity information from the customer, wherein the preferences govern distribution of the identity information to requesting parties; generating, by the computing system, a key specific to the customer; and provisioning, by the computing system, the key to an identification chip associated with the customer. The computer-implemented method further includes receiving, by the computing system, the key and a request for one or more pieces of the identity information from a requesting party and providing, by the computing system, the requested one or more pieces of identity information to the requesting party based on the key and the preferences.

A method implemented on an electronic computing device for arranging activities for one or more individuals using an autonomous vehicle (AV) includes receiving a request from a first individual for the AV. An action is initiated to provide the AV to the first individual. One or more activities are provided for the first individual to perform during a trip using the AV. A detection is made as to when the first individual completes one of the one or more activities. A cost of the trip is adjusted based on a completion of the one of the one or more activities.

Utilization of free time in autonomous vehicles

Growing community of inventors

Pittsburg, CA, United States of America

Muhammad Farukh Munir