Wells Fargo Bank, N.a.

Nishant Usapkar

David Joel Sherman

Katie Knight

Ranjit S Pradhan

David Edward Newman

Phillip H Griffin

David V Duccini

Bipin M Sahni

Dominik Vltavsky

Caroline Machado

Kevin Bouey

Aravind Krishnasamy

Naga Adapala

Judd Holroyde

Examples described herein relate to systems, apparatuses, and methods for generating a securitized loan blockchain, including providing at least one security criterion, identifying at least one loan block of a loan blockchain that satisfies the security criterion, where the loan blockchain corresponds to at least one loan, and the security criterion is associated with the at least one loan block and a dynamic financial profile of a borrower of the at least one loan, and generating a security blockchain including at least a first security block, where the first security block is associated with a loan link identifier object that identifies the loan block of the loan blockchain.

Blockchain based loan securitization

Machine-readable storage media having instructions stored therein that, when executed by a processor of a mobile device, configure the mobile device to capture a check image for funds to be deposited into a recipient account. The mobile device configured to display a request to a user of the mobile device to provide one or more portions of a MICR line for the received check image and receive user inputs from the user specifying the one or more portions of the MICR line. The mobile device configured to transmit a message to a bank account computer system associated with the recipient account, the message including data specifying the one or more portions of the MICR line.

System and method for mobile check deposit

A system, method, and computer-readable storage media for performing a transaction for a customer of a financial institution using math-based currency (MBC), the system comprising a permissioned ledger banking system comprising a transaction circuit comprising a transaction processor and a transaction memory, an account mapping circuit comprising an account mapping processor and an account mapping memory, and an MBC account database comprising an MBC account of the customer, a fiat banking system comprising an account management circuit and a customer fiat accounts database, and the permissioned ledger banking system and the fiat banking system are connected via a communications network, wherein the account management circuit comprises an account management processor and an account management memory storing executable account management instructions that when executed by the account management processor causes the account management processor to perform steps of storing a fiat account of the customer in the customer fiat accounts database.

Systems and methods for transferring fiat currency via mapped math-based currency accounts

Various systems, methods, and apparatuses relate to managing data transmissions from one or more Internet of Things (IoT) devices. A method includes discovering one or more IoT devices; tracking data transmission between the one or more IoT devices and an IoT server; restricting audiovisual data transmission by at least one of the one or more IoT devices based on a user profile associated with a user by providing an instruction to the at least one of the one or more IoT devices; determining that the at least one of the one or more IoT devices is continuing to transmit audiovisual data to the IoT server subsequent to the restriction; based on the determination, denying network access; and presenting, via a user device, a user interface including an indication whether communications to the IoT server have been prevented for each of the one or more IoT devices.

Method and apparatus for controlling IoT devices by agent device

A method, system, and apparatus for performing a transaction for a customer having a fiat account with a financial institution. The method includes receiving a transaction request from the customer, the transaction request including a request to transfer a first amount of fiat currency to a receiving account held at a partner financial institution; determining a second amount of math-based currency ('MBC') corresponding to the first amount of fiat currency, wherein the MBC is held in an MBC wallet account; transmitting the second amount of MBC to a partner financial institution computing system of the partner financial institution via a permissioned blockchain system; updating the MBC wallet account to reflect the transaction; debiting a fiat account balance associated with the fiat account of the customer by the first amount; and transferring fiat currency between the financial institution and the partner financial institution to settle a plurality of transactions.

Various systems, methods, and apparatuses relate to managing data transmissions from one or more Internet of Things (IoT) devices. A method includes discovering, by a discovery engine, one or more Internet of Things (IoT) devices; tracking, by the discovery engine, data transmission from the one or more IoT devices; generating, by a privacy lens communicably coupled to the discovery engine, a privacy rule regarding the data transmission from the one or more IoT devices; and applying, by the privacy lens, the privacy rule to the one or more IoT devices, the privacy rule configured to control data transmission from the one or more IoT devices.

Examples described herein relate to systems, apparatuses, and methods for automating loan securitization by a loan marketplace server, including defining a security blockchain supporting a financial security smart contract and posting, on the security blockchain, loan links. Each of the loan links identifies a loan structured as a loan smart contract supported by a loan blockchain. The loan blockchain stores a financial profile link that identifies a dynamic financial profile for a borrower of the loan.

Growing community of inventors

San Ramon, CA, United States of America

Nishant Usapkar