The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Sep. 19, 2023
Filed:
Mar. 10, 2017
Wells Fargo Bank, N.a., San Francisco, CA (US);
Ashish B. Kurani, Hillsborough, CA (US);
Kristine Ing Kushner, Orinda, CA (US);
Brian M. Pearce, Pleasanton, CA (US);
Steven E. Puffer, Champlin, MN (US);
Nikolai Stroke, Gilbert, AZ (US);
Paul Vittimberga, Oakland, CA (US);
Young M. Yang, San Francisco, CA (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
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.