Wells Fargo Bank, N.a.

Nikolai Stroke

Ashish Bhoopen Kurani

Bipin M Sahni

Stephen M Ellis

Uma Meyyappan

Melissa Lowry

Michael Joseph Kennedy

Duc M Trinh

Laura Marie Fontana

Kristine Ing Kushner

Young M Yang

Harmit Singh Dhanoa

Steve Puffer

Rameshchandra Bhaskar Ketharaju

Andrew J Garner, Iv

Brian Michael Pearce

Steven E Puffer

Paul Vittimberga

Abhijit Shetti

Todd Biggs

Mabel Oza

Andrew G Foote

Matthew Shepherd

Marc Le Boeuf

Sayali Bhos

Daniel G Vogt

Chris Theodore Kalaboukis

Raissa Williams

Albert Hwu

David C Hatch

Balinder Singh Mangat

Disclosed are example methods, systems, and devices that allow for the generation and provisioning of digital credentials, which may demonstrate that a trusted entity has validated individual identity attributes, or sets of attributes, of a user. Digital credentials may also demonstrate one or more extrapolations resulting from deductions or inductions from validated identity attributes. A receiver device may indicate which identity attributes or extrapolations are sought by displaying a QR or other code and/or via a transmission using NFC or other wireless communication, and a user device may access corresponding digital attributes in an ID wallet to be provisioned via code or transmission. Digital credentials may restrict uses and usability of identity attributes. Cryptographic keys and/or distributed ledger records may allow recipients to verify authenticity of digital credentials. The same identity attribute may be proven by showing validation by multiple selectable trusted entities.

Self-sovereign identification via digital credentials for identity attributes

Systems, methods, and computer-readable storage media of private network issuance of digital currency. One method includes receiving an issuance request associated with a first denomination of digital currency. The method further includes issuing a first digital currency token, wherein issuing is an off-chain exchange transferring the first denomination outside a digital currency ledger.

Systems and methods for private network issuance of digital currency

A computer-implemented method includes authenticating, by one or more first processors of a provider computing system, a user of a vehicle with an account of the user where the vehicle is associated with the account, receiving vehicle data relating to the vehicle, transmitting application data to a vehicle computing system of the vehicle via a first network and based on the vehicle data where the vehicle computing system includes one or more second processors communicatively coupled to the provider computing system via the first network and where the application data includes instructions for rendering an interface via a display system of the vehicle, and receiving, by the one or more first processors and from the vehicle computing system, an input provided via the display system of the vehicle based on the application data.

Vehicle-based mobile banking

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

A computer-implemented method includes generating a token associated with a user-level profile, receiving via a computing system a transaction message associated with a transaction where the transaction message includes a first data portion and a second data portion and where the token is part of at least one of the first data portion or the second data portion, obtaining via a network the token from the received transaction message, validating the token responsive to receiving a validation confirmation from a service provider, and transmitting an identity verification to the computing system responsive to validating the token.

User-level token for user authentication via a user device

A method includes receiving an indication from a user that a physical payment card is lost or stolen, and an indication to perform a mobile wallet transaction. The method includes accessing a database to retrieve a list of accounts held by the user, and prior to presenting a list of available source accounts, determining that a previously-provisioned source account is no longer available as a source of funds, where the list includes at least one new account that has not been previously provisioned. The method further includes generating a screen display to present to the user, the display showing the list of accounts held by the user at a financial institution. The method includes presenting the list of available source accounts to the user, receiving a user selection of the at least one new account, and transferring funds from the at least one new account to a recipient.

Mobile wallet account provisioning systems and methods

A computer-implemented method includes: transmitting, by a mobile device, to a mobile wallet computer system, an indication that a user of the mobile device wishes to perform a mobile wallet transaction to transfer funds to a merchant; receiving, by the mobile device, an amount of merchant rewards that are available for the user to use at the merchant; displaying, by the mobile device, the amount of merchant rewards; receiving, by the mobile device, an indication that the user wishes to apply at least a portion of the available rewards to the transaction; and, transmitting, to a merchant computer system, the indication that the user wishes to apply at least a portion of the available rewards to the transaction. The merchant rewards are applied to the transaction prior to submitting the transaction to a card network computer system, and no physical rewards card is used to complete the transaction.

Mobile wallet rewards redemption systems and methods

The described financial institution computing system provides services to customers through an application programming interface ('API'). The services include user identification services to customers. The user identification services allow the customers to verify the identity of users as non-fraudulent users. Further the user identification services allow the financial institution to provide known user information to the customers for purposes of prepopulating registration forms, completing transactions, and the like. Further services, such as user account validation services, payment services, and the like are also possible through the financial institution APIs. In some situations, users are registered with the financial institution. For example, a user may also be an account holder with the financial institution. In other situations, the users are not registered with the financial institution.

Identity verification services through external entities via application programming interface

Systems, methods, and computer-readable storage media of configuring digital currency nodes utilizing a one-tier model or two-tier model. One method includes transmitting, via an application provider system, an installation request including authentication information, downloading, by the user device, a digital wallet application, and installing, by the user device, the digital wallet application based on one or more system requirements, wherein installing includes verifying the user device meets the one or more system requirements, generating a public and private key pair, hardening the user device, storing and configuring the digital wallet application, and authenticating the digital wallet application. The method further includes establishing, via a private network, a private network connection associated with digital currency issuance. Another method includes transmitting a registration request, receiving a software package including a software appliance and executable code, installing the software appliance and establishing a private network connection associated with digital currency issuance.

Systems, methods and computer-readable storage media utilized to complete a cardless transaction on a distributed ledger network. One method includes receiving, by a point-of-sale (POS) computing device, a transaction request including a biometric sample from an individual associated with a payment account at a financial institution. The method further includes authenticating, by the POS computing device, the biometric sample by cross-referencing the biometric sample with a biometric dataset stored on the distributed ledger network. The method further includes, in response to authenticating the biometric sample, generating, by the POS computing device, a cryptogram associated with the biometric sample and processing, by the POS computing device, the transaction request utilizing the cryptogram.

Distributed ledger technology utilizing cardless payments

A computer system includes one or more processors coupled to one or more memory devices containing computer-executable instructions which, when executed by the one or more processors, are configured to cause the computer system to: receive information related to a redemption opportunity; receive information related to a user profile of a user; detect a geographic location of a mobile device running a mobile wallet of the user; and generate, on the mobile device of the user based on the mobile device of the user being within a predetermined distance of a merchant and the user profile of the user, an alert that is displayed by the mobile device, wherein the alert includes a message comprising an image overlaid on a map indicating the geographic location of the merchant relative to the detected geographic location of the mobile device.

System and method for a mobile wallet

A method for receipt tracking performed by one or more processors of a mobile wallet computer system includes receiving a receipt corresponding to a mobile wallet transaction performed by a mobile device associated with a user; extracting a first portion of identifying information from the receipt; receiving, via a user input, a second portion of identifying information to at least one of supplement or correct the extracted first portion of identifying information; updating a record associated with the receipt based on the received second portion and the first portion of identifying information; storing the updated record in a transaction database; and sorting records of previous transactions including the mobile wallet transaction stored in the transaction database.

System and method for operating a mobile wallet including receipt tracking

The described financial institution computing system provides services to customers through an application programming interface ('API'). The services include user identification services to customers and payment services that allow users to pay the customers via the financial institution. The user identification services allow the customers to verify the identity of users as non-fraudulent users. Further the user identification services allow the financial institution to provide known user information to the customers for purposes of prepopulating registration forms, completing transactions, and the like. Further services, such as user account validation services, payment services, and the like are also possible through the financial institution APIs. In some situations, users are registered with the financial institution. For example, a user may also be an account holder with the financial institution. In other situations, the users are not registered with the financial institution.

Payment services via application programming interface

A mobile device includes a processing circuit to perform operations including transmitting a device token and a customer token to a computing system, the device token identifying the mobile device and a first session of a client application, the customer token identifying a user. The operations can include enabling access to the client application during the first session based on the device token and the customer token and receiving a second device token, the second device token identifying the mobile device and a second session. The operations can include receiving, during the first session, an identification number associated with an account of the user for a transaction, the identification number generated in response to a fund request from the mobile device. The operations can include providing a user interface displayed on the mobile device during the first session and receiving during the first session, an approval for the transaction.

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Gilbert, AZ, United States of America

Nikolai Stroke