Wells Fargo Bank, N.a.

Paul Vittimberga

Kristine Ing Kushner

John T Wright

Eric David Greene

Brian Michael Pearce

Steven E Puffer

Marria Rhodriquez

Darius A Miranda

Marjorie S Anzalone

Samundra Timilsina

Orsolya Oldroyd

Ashish Bhoopen Kurani

Nikolai Stroke

Darren M Goetz

Miranda C Hill

Young M Yang

Wayne Barakat

Eduardo DeLa Torre

Robert Glenn Hamchuk

Pey-Ning Huang

Charles Cowell

Jennifer Stacey Borchardt

Adam Clifford Christensen

Traci H Nguyen

Michael H Chang

Kristine Ing

David Edward Newman

Vincent Le Chevalier

Laura Marie Fontana

Brian Paul McMahon

Michelle M Young

Marina M Chin

Andrew J Garner, Iv

Darrell Lee Suen

Julio Jiron

Beth S Moss

Simone Olivia Harvey

Sotirios K Barkas

Timothy R Knowlton

Bryan Kroll

Adnan Khan

Evelyn Ujanen

Laura Lee Orcutt

Ajit M Limaye

Wairnola Marria Rhodriquez

Lisa G Hukari

Lolita Wang

Cong Phan

Daina DeBeaune

Chirstiane Evans

Jill Bagalso McNulty

Gary Schilling

Chris Theodore Kalaboukis

Kourtney Eidam

Dominik Vltavsky

Muhammad Farukh Munir

Margot Lockwood-Stein

Anthony Burton

Ryan S Alexander

Eric Thompson

Richard Harrison Luttrell, Jr

Harlen Bayha

Nikhilesh Banerjee

Colby Eugene Thiele

Katherine Guse Jagoe

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

Examples described herein relate to determining an actual, updated goal of a user based on emotional response data captured while an initial goal is visualized or otherwise perceived by the user, including determining an initial goal of a user, displaying an initial video depicting the initial goal, tracking, with an emotion-tracking device, emotions of the user while the video is displayed by the output circuit by determining emotional response data captured by the emotion-tracking device, updating the initial goal based on the emotional response data to determine an updated goal, and displaying the updated goal.

Systems and methods of interactive goal setting tools

A mobile device includes a processing circuit and a network interface structured to communicate data over a network. The mobile device generates and transmits a request to register for an alert program to a remote computing system and the mobile device renders a registration interface comprising a prompt asking permission to access user activity information. In response to receiving permission, the mobile device transmits an indication of approval to a remote computing system. After transmitting approval, the mobile device transmits an instance of the user activity information to the remote computing system. In response to sending the instance, the mobile device receives and implements a time-limited budget restriction on a user payment account where the time-limited budget restriction is based at least in part on the instance of the user activity.

Overspending alert system

A system for monitoring financial threats includes: at least one central processing unit and system memory that causes the system to: receive information about a threat associated with a financial services device; identify a type of the threat; identify a location associated with the threat; and notify one or more customers associated with the financial services device based upon the type or the location of the threat.

Threat monitoring and notifications

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

Systems, methods, and storage media for pre-approving onboarding to a payment platform, executing on a processing device are disclosed. Exemplary implementations may: access a node network; determine a first entity associated with a first node of the plurality of nodes is not a member of a payment platform; determine a total strength of connections of the first node to one or more nodes of the plurality of nodes exceeds a predetermined threshold value; and flag the first node of the plurality of nodes for an offer of onboarding to the payment platform consequent to determining the total strength of connections of the first node to the one or more nodes of the plurality of nodes exceeds the predetermined threshold value.

Systems, methods, and storage media for pre-approving onboarding to a payment platform

Examples described herein relate to apparatuses and methods for providing an interactive computer simulation of a life of a user via a user device operated by the user by determining a goal of the user, accessing a transaction history of the user, determining an initial state of the user based on the transaction history of the user, determining a virtual path to the goal, the initial state of the user being a starting point of the virtual path to the goal, configuring the user device to display the virtual path of the goal, determining that the user has selected at least one of selectable in-simulation decisions, updating the virtual path to generate an updated virtual path based on the selected at least one of the plurality of selectable in-simulation decisions, and configuring the user device to display the updated virtual path.

Systems and methods for a whole life interactive simulation

A method of updating a payment card includes receiving a payment card having an existing payment part. The method includes removing the existing payment part from the payment card and installing a new payment part with the payment card for subsequent use of the payment card.

Payment vehicle recycling system and method

A computer-implemented method includes acquiring information regarding the user and generating one or more indicators of a data breach for an entity that stores one of data regarding the user or an indication of a transaction with the user in a past predefined time period. The computer-implemented method further includes determining that the one or more indicators meet a threshold level for notifying the user of the data breach; in response to determining that the one or more indicators meet the threshold, generating a notification specific to the user regarding the data breach; and providing the notification to the user during a log-in process associated with the provider computing system.

Systems and methods for providing notifications regarding data breaches

A computer implemented method performed by an identity verification computing system includes generating a user-level token associated with a user-level profile. The method further includes receiving a card-based transaction message associated with a card-based transaction. The card-based transaction message includes a card information portion and a point-of-sale data portion. The user-level token is inserted into at least one of the card information portion or the point-of-sale data portion. The method further includes obtaining the user-level token from the received card-based transaction message, validating the user-level token responsive to receiving a validation confirmation from a token service provider, and transmitting an identity verification to the entity computing system responsive to validating the user-level token.

A method includes verifying the identity of an individual. The method further includes receiving non-financial data from the individual and generating a user-level profile. The user-level profiles include the non-financial data received from the individual. The method further includes generating a user-level token unique to the individual. The user-level token is associated with the generated user-level profile. The method also includes provisioning the user-level token to a device associated with the individual. The method further includes receiving an identity verification request comprising the user-level token, wherein the identity verification request is structured as a financial transaction card-originated message, validating the user-level token, and analyzing a context of the received user-level token to determine a relevant non-financial data element included in the non-financial information within the user-level profile. The method also includes transmitting an identity verification approval including the relevant non-financial data element.

Identity management service via a user-level token

A computer-implemented method includes receiving an indicator of enrollment of a user in a breach notification service; acquiring information regarding the user; and generating one or more indicators of a data breach for an entity that stores one of data regarding the user or an indication of a transaction with the user in a past predefined time period. The computer-implemented method further includes determining that the one or more indicators meet a threshold level for notifying the user of the data breach; in response to determining that the one or more indicators meet the threshold, generating a notification specific to the user regarding the data breach; and providing the notification to the user during a log-in process for a product or service associated with the provider computing system.

A computer implemented method performed by an identity verification computing system includes generating a user-level token associated with a user-level profile. The user-level profile is associated with a user and is unique to the user. The method includes receiving a request to provide an identity verification of a user via an entity computing system, the request comprising a card-based transaction message associated with a card-based transaction, the card-based transaction message comprising the user-level token. The method further includes accessing the user-level profile associated with the user-level token, obtaining the user-level token from the card-based transaction message, validating the user-level token, and transmitting an identity verification approval to the entity computing system.

Growing community of inventors

Oakland, CA, United States of America

Paul Vittimberga