Wells Fargo Bank, N.a.

Steven E Puffer

Ashish Bhoopen Kurani

Brian Michael Pearce

Young M Yang

Michael R Thomas

Peter Ho

Jerome Rhodes

Stephanie S Hellman

Dorothy M Scocci

Kathy Barris Dideum

Cheryl Lynn Wong

Khyati Soparkar

James D Crowell

Michelle B Techel

Timothy R Edge

Brenda L Yost

Alicia Y Moore

Alan W Hecht

Kristine Ing Kushner

Paul Vittimberga

Jennifer A Fisher

Nikolai Stroke

Miranda C Hill

Susan Symons

Timothy R Knowlton

Jinee K Ellis

Ann M Kirk

Javier S Silva

Marria Rhodriquez

Azita Asefi

Jesse Fung Lee

Katherine M Yee

Hemesh Yadav

Ish Kumar Malhotra

Braden More

Daniel Peltz

Justin C Freeman

Stephen M Ellis

Sudipta N Kitsis

Ryan S Alexander

Eric Thompson

Wairnola Marria Rhodriquez

Katherine Guse Jagoe

A system and method for card control includes a card control computing system configured to enforce a card control rule based upon transactions made with a payment card. The card control computing system includes a memory unit configured to store information associated with a card control dashboard, and a processing unit configured to cause presentation of the card control dashboard via a display associated with a remote computing device, such that the card control dashboard is associated with the payment card and the card control rule. The card control dashboard includes a user interface. The processing unit is further configured to receive an input via the user interface to activate or deactivate one or more features associated with the card control rule, and trigger the card control rule based upon the one or more features that are activated or deactivated.

System and method for card control

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

Systems, methods, and computer-readable storage medium for managing tokens are provided. A method includes: receiving, by a token management system from a user device, a token command from a user associated with a target token; determining, by the token management system, an entity of a plurality of entities associated with the target token, where each of the plurality of entities is associated with a separate entity computing system that stores at least one token of a plurality of tokens, and where each of the plurality of tokens is registered with the token management system and associated with the user, in response to determining the target token is managed by the entity, transmitting, by the token management system, the token command to an entity computing system of the entity; and receiving and storing, by the token management system, an updated token from the entity computing system based on the token command.

Token management systems and methods

A mobile device includes a near-field communication (NFC) device, a network interface, an input/output device, and a processing circuit having a processor and a memory. The memory stores instructions that, when executed by the processor, cause the processing circuit to receive, via the input/output device, payment card information relating to a payment card of a customer and to transmit, via the network interface, the payment card information to a mobile wallet computing system. The instructions further cause the processing circuit to receive, via the network interface, an inactive payment token representing the payment card and to store the inactive payment token in a mobile wallet of the mobile device. The instructions further cause the processing circuit to establish, via the NFC device, an NFC session with an automated teller machine (ATM) and to update a status of the stored inactive payment token from inactive to active.

Systems and methods for near-field communication token activation

Systems and methods for identifying a user to a merchant include creating a token for the user, the token identifying the user and user information of the user, where creating the token includes generating a string based on a user biometric and hashing the string to generate a hashed string, sending a notification indicating that a merchant requests the user information of the user, sending the token to a user device associated with the user where the token is configured to be activated via the user device before the token is selectively transmitted by the user device, receiving the token from a merchant computing system associated with a merchant, identifying the user and the user information based on the received token, receiving an indication from the user device, and withholding the user information from the merchant computing system based on the indication.

Biometric token that functions as a universal identifier

A method for separately registering a user and a mobile device for use of a mobile wallet account includes registering, by a registration terminal of a mobile wallet provider, a user for use of the mobile wallet account, including assigning one or more user-provided settings to the mobile wallet account. The method also includes receiving, by a computing system of the mobile wallet provider, a request from a mobile device to register the mobile device for use as a mobile wallet, identifying, by the computing system, the mobile wallet account of the registered user based on the request, and registering, by the computing system, the mobile device for use of the identified mobile wallet account, including associating the one or more user-provided settings with use of the mobile device.

Mobile wallet registration via ATM

A system includes a customer database that stores user information regarding a plurality of customers; a network interface configured to communicate data over a network; and a processing circuit. The processing circuit is configured to: receive a first indication that a customer is within a first predetermined distance of an automated teller machine (ATM) drive-through area; transmit an authorization signal to the customer computing device configured to activate an ATM pre-stage function of an application implemented on the customer computing device to pre-stage an ATM transaction; receive a second indication that the customer is within a second predetermined distance of an ATM in the ATM drive-through area; transmit transaction information regarding the ATM transaction to the ATM; and authorize the ATM transaction at the ATM in an ATM drive-through area based on the transaction information.

Systems and methods for remote ATM access

Methods and systems of managing payment cards are disclosed. A financial institution computing system includes a token database storing a plurality of tokens and token information, a network interface circuit enabling the financial institution computing system to exchange information over a network; and a token management circuit. The token management circuit enables a graphical user interface on a customer device over the network that can be used to generate new token requests, re-provision token requests, and management requests. The management requests enable and disable tokens, such that transactions against a payment card account using an enabled token are completed, and transactions against the payment card account using a disabled token are denied.

Connected payment card systems and methods

A method includes receiving, by a provider computing system from an initiating device, an encrypted network return address of an user device that identifies a network address of the user device; receiving, by the provider computing system and from the user device, an encryption key configured to decrypt the encrypted network return address; decrypting, by the provider computing system, the encrypted network return address using the encryption key; and providing, by the provider computing system, a code to the user device based on the decrypted network return address by transmitting the code to the user device without going through the initiating device.

Systems and methods for providing a code to a user device

A system includes a location identifier device and a computer system. The location identifier is configured to transmit an identifier to a user device when the user device is within a predetermined range of an area and receive location information from the user device associated with a user. The computer system is configured to receive the location information from the user device within the area via the location identifier device and receive a request for an ATM transaction from the user device. The request includes attribute information associated with the user. The computer system is configured to receive attribute information associated with the user comprising an indication of a license plate within the area and identify, based on a determination that the attribute information at least partially matches the attribute information from the request, the user associated with the request. The computer system is configured to transmit, based on the user device being within the area and the identification of the user, a transaction code to the user device.

Systems, methods, and computer-readable storage media for performing a peer-to-peer (P2P) transfer by a third-party, where a method includes receiving transfer information and a first token including sender information of a sender and a second token including receiver information of a receiver, and validating the first token and the second token based on verifying both the sender and the receiver are registered with the real-time payment system. The method includes processing the first token and the second token based on determining a sender endpoint, a receiver endpoint, and a demand deposit account of the sender, and transmitting a request for a guarantee, the request for the guarantee including the sender endpoint and the demand deposit account of the sender. The method includes receiving an issued guarantee, transferring funds based on the transfer information, the first token, and the second token, and transmitting a transfer confirmation.

Real-time interbank transactions systems and methods

Growing community of inventors

Champlin, MN, United States of America

Steven E Puffer