Wells Fargo Bank, N.a.

Timothy R Knowlton

Ashish Bhoopen Kurani

Steven E Puffer

Jinee K Ellis

Alan W Hecht

Azita Asefi

Young M Yang

Andrew J Garner, Iv

Brian Michael Pearce

Paul Vittimberga

John T Wright

Laura Lee Orcutt

Dana Roytenberg

George Luis Wood

Michelle Banaugh

Abraham Drucker

Shelby K Morita-Fowler

Lisa G Hukari

Lolita Wang

Khushbu Katariya

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

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 managing a budget includes determining, by a budget management system, funds of a project management account that are to be routed to a task manager for a project. The determining comprises: determining a current progress of a task managed by the task manager, the task included in a budget for the project that identifies the task manager and that includes payment information for the task manager that specifies a financial account, determining an amount owed to the task manager, and setting the amount owed to the task manager as the amount of the funds to be routed to the task manager. The method further comprises transmitting, by the budget management system to a financial computing system, a request to transfer the determined funds to the financial account specified by the payment information.

Systems and methods for improved project management

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

A method of managing tokens is provided. The method includes receiving, by a token management system from a user device, a request from a user to register a token with the token management system. The token is associated with the user and is stored by an entity computing system associated with a first entity of a plurality of entities. Each of the plurality of entities is associated with an entity computing system that stores at least one token of a plurality of tokens that are each registered with the token management system and each associated with the user. The method further includes modifying, by the token management system, the token stored by the entity computing system associated with the first entity based on a token command from the user. The modification includes associating the token with a different entity of the plurality of entities relative to the first entity.

Systems and methods for identifying a user to a merchant are described. A token service provider facilitates the identification of the user. Identifying the user at the merchant is accomplished by the user broadcasting a token associated with the user or by the merchant capturing a biometric of the user. The token or biometric is sent to the token service provider computing system. The token service provider computing system identifies the user based on the token or biometric. The token service provider computing system may send user information associated with the token and the user to the merchant computing 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 business 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.

Token management systems and methods are described. The token management systems and methods are configured to receive a plurality of tokens from a plurality of entities associated with a user and to enable the user to manage the tokens in a secure, convenient, efficient, and time-saving manner. The token management system may be accessed with a user device. In some arrangements, the token management system is structured to receive a registration request from a user, request a plurality of tokens from different entities where the user has associated tokens, and to provide various token management functions to the user. The token management functions allow the user to change, reassociate, activate, and deactivate the tokens, as well as create new tokens.

A system and process for creating, maintaining, and using transaction identifiers, i.e. a transaction DNA, is provided. The DNA, along with other transactional information, is sent through a set of intermediary entities as found in a standard transaction processing system. The DNA is based on information that may include source ID, merchant ID, and order ID. The order ID is a unique number that can be generated by the merchant. The DNA is maintained throughout the lifecycle of the transaction, including authorization requests, settlement requests, and exception item processing. The DNA allows the bank to provide precise transactional matching to the original transaction for the merchant, making reconciliation always possible, fast, and automatic, and ensuring information is presented in a manner that the merchant chooses.

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Mill Valley, CA, United States of America

Timothy R Knowlton