Wells Fargo Bank, N.a.

Wayne Barakat

Dominik Vltavsky

Ashish Bhoopen Kurani

Marria Rhodriquez

Martin Barrs

Ha M Duong

Paul Vittimberga

Laura Marie Fontana

Yvette Hatton

Andres J Saenz

Darius A Miranda

Duc M Trinh

Sadie Salim

Thomas E Gross

David Edward Newman

Chris Theodore Kalaboukis

Vincent Le Chevalier

Brian Paul McMahon

Brian J Hanafee

Michelle M Young

Caroline Machado

Maria M Benjamin

Marion M Hsieh

Walter Schenk

Traci H Nguyen

Julio Jiron

Jeffrey A Cornman

Beth S Moss

Michael H Chang

Christopher Phillip Clausen

Sotirios K Barkas

Pey-Ning Huang

Charles Cowell

Benny F Dorrance

Michael Lyon

Michael Fitzpatrick

Ross Leone

Eduardo D Dela Torre

Mark A Frank

Kimberly D Peck

Melissa Schroder Viscomi

David C Hatch

Systems, methods, and computer-readable storage media utilized in math-based currency (MBC) exchange utilizing MBC transaction guarantees. One method includes receiving, from a merchant point of sale (POS) terminal, a payment reimbursement request comprising a guarantee identifier associated with an MBC transfer. The method further includes determining, utilizing the guarantee identifier, transaction information. The method further includes determining, utilizing the transaction information, the guarantee identifier is associated with a failed transaction based on accessing and analyzing a plurality of disputed transactions on an MBC blockchain. The method further includes, in response to identifying the failed transaction, initiating an MBC payment from the financial computing system to an MBC address of a merchant. The method further includes providing, to the merchant POS terminal, a payment confirmation.

Systems and methods for expediting math-based currency transactions

This disclosure provides systems and methods for matching a customer with a service representative. A request for service can be received from a customer. A first service interaction can be initiated between the customer and a first service representative. A customer sentiment metric can be determined during the first service interaction. The customer sentiment metric can indicate a level of customer satisfaction during the first service interaction. A second service representative suitable for fulfilling the customer's request for service can be identified, based at least in part on the customer sentiment metric. A second service interaction can be initiated between the customer and the second service representative, responsive to the identification of the second service representative.

Efficient condition-based linking of communication sessions

Systems, methods, and computer-readable storage media utilized for revoking access to a financial account held by a customer of a financial institution. One method includes determining, by at least one processing circuit, an access level based on information stored in an account database and an adverse event experienced by a customer. The method further includes authorizing, by the at least one processing circuit, a designee of the customer comprising the access level for at least one future payment request. The method further includes transmitting, by the at least one processing circuit, an alert message corresponding to the authorization of the designee for the access level. The method further includes in response to receiving an input from a user device, withdrawing, by the at least one processing circuit, the access level.

Break the glass for financial access

A financial institution computing system includes an account database with a plurality of transaction parameters with respect to a financial account of a customer, a receptiveness metrics circuit structured to extract the plurality of transaction parameters from the account database, the transaction parameters including at least one financial transaction record, and indicative of a mode of the customer, and determine one or more receptiveness metrics attributed to the customer based on the mode of the customer, the one or more receptiveness metrics indicating likelihoods of the customer converting an interaction from the financial institution, wherein the interaction includes an avatar that is an aged version of the customer, and an interaction generation circuit structured to transmit the interaction to the customer at an optimal time based on the one or more receptiveness metrics.

Systems and methods for facilitating optimal customer engagement via quantitative receptiveness analysis and presentation

Systems and methods for expediting math-based currency ('MBC') transactions are described. A financial institution facilitates the expedited MBC transactions. The expedited MBC transactions are achieved by guaranteeing merchants that a pending MBC transaction between the merchant and a customer will be verified by the MBC verification nodes. A provided guarantee can be collected on by the merchant in the event that a guaranteed MBC transaction is not verified by the MBC verification nodes.

Systems and method for expediting math-based currency transactions

Systems, methods, and computer-readable storage media utilized for determining access to a financial account held by a customer of a financial institution. One method includes establishing a communication session with a sensor device, wherein the financial institution computing system continuously receives sensor data over the communication session and receiving, from a point-of-sale (POS) terminal, a payment request. The method further includes retrieving, from the user device via an application programming interface (API), device data including at least application data and receiving, from the sensor device, the sensor data including at least one of geolocation data or biometric data of the sensor device. The method further includes determining the customer experienced an adverse event based on the sensor data and the device data and determining automatically an access level. The method further includes authorizing, by the processor, the payment request utilizing the financial account held by the customer to a designee.

Systems, methods, and computer-readable storage media utilized for authorizing transactions without a payment card present. One method includes receiving a habitual transaction request including a customer indicator and identifying characteristics of the habitual transaction request. The method further includes identifying, utilizing the customer indicator, habit information of a customer and authenticating the habitual transaction request based on the characteristics of the habitual transaction request conforming with the habit information. The method further includes, in response to authenticating the habitual transaction request, authorizing the habitual transaction request and receiving a non-habitual transaction request including the customer indicator. The method further includes determining that the customer is active, and the customer indicator is approved to conduct a non-habitual transaction and authorizing the non-habitual transaction request based on the determination and the customer indicator being approved to conduct the non-habitual transaction and transmitting a notification indicating the non-habitual transaction request was authorized.

Systems and methods for authorizing transactions without a payment card present

A user mobile device includes a network interface, an input/output ('I/O') device configured to exchange data with a user, the I/O device including a display device configured to present a graphical user interface to the user, an imaging device configured to generate image data; and a processing circuit. The processing circuit comprising a memory and a processor. The memory stores instructions that cause the processor to receiver user photograph data including multiple photographs of the user, determine an emotive state of the user in each of the photographs, categorize each photograph into at least a user positive emotion category and a user negative emotion category, receive spending behavior data, generate a user spending alert based on the spending behavior data including a photograph from at least one of the user positive emotion category and the user negative emotion category, and present the spending alert to the user.

Financial alert system based on user photographs associated with user spending behavior

A financial institution computing system may include a steward database and a steward designation circuit. The steward database may store information of a steward of a customer. The information may include interaction information of the steward, which may include information indicative of interactions of the steward with other individuals. The steward designation circuit may determine whether an individual of the other individuals qualifies as a new steward of the customer based on the interaction information of the steward in the steward database. The steward designation circuit may designate the individual as a new steward of the customer in response to determining that the individual qualifies as a new steward of the customer.

Systems and methods for identifying a steward

Among other things, embodiments of the present disclosure can help improve the functionality of virtual assistant (VA) systems by determining filtering criteria that applies to inputs received by the system, and storing information associated with the inputs (and controlling access to such information by different users of the VA system) in accordance with the filtering criteria.

Data collection and filtering for virtual assistants

Systems and methods for expediting math-based currency ('MBC') transactions are described. A financial institution facilitates the expedited MBC transactions. The expedited MBC transactions are achieved by providing merchants with a customer score for a customer that is paying for goods or services with MBC. The customer score is based at least in part on prior MBC transactions entered into by the customer. In some arrangements, the customer score is also based on balance information and transaction information associated with accounts maintained with the financial institution.

Embodiments of the disclosure are directed to authenticating a user at an electronic computing device. Information is received from a defined zone of an environment surrounding the user. A level of authentication is calculated for the user based on the information from the defined zone of the environment. When the level of authentication is greater than or equal to a predetermined threshold, the user is authenticated at the electronic computing device to perform a requested activity.

Defined zone of authentication

Examples described herein relate to apparatus and methods for determining access to a financial account held by a customer of a financial institution, including, but not limited to, determining, by a processor of a financial institution computing system, an adverse event that causes death or incapacitation to the customer based on an adverse event message received from a user device associated with the customer, and in response to determining the adverse event, granting, by the processor, the access to the financial account held by the customer to a designee.

A financial institution computing system includes a network circuit enabling the financial institution computing system to exchange information over a network, a customer database storing information for a customer including habit information of the customer and a customer indicator of the customer, and a transaction circuit. The transaction circuit receives, over the network via the network circuit, a first transaction request including the customer indicator. The transaction circuit authenticates the first transaction request by determining that a characteristic of the first transaction request conforms with the habit information of the customer associated with the customer indicator, and authorizes the first transaction request based on the first transaction request being authenticated. The transaction circuit receives, over the network via the network circuit, a second transaction request including the customer indicator, and authorizes the second transaction request based on receiving the customer indicator.

Growing community of inventors

Novato, CA, United States of America

Wayne Barakat