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:
Apr. 28, 2026
Filed:
Sep. 12, 2023
Wells Fargo Bank, N.a., San Francisco, CA (US);
Alan W. Hecht, San Francisco, CA (US);
Karen L. Moore, Vacaville, CA (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
A method includes: receiving an indication of a distribution initiating event; identifying resources associated with the distribution initiating event; retrieving a hierarchical ordering matrix that utilizes at least one parameter to control a distribution of the resources; determining a preferred rail for distributing the resources based on the at least one parameter associated with at least one of the resources or a customer relative to the hierarchical ordering matrix, whereby determining the preferred rail includes receiving a customer preference regarding a preferred distribution methodology for the resources, and selecting one of the plurality of rails to be the preferred rail based on the received customer preference and an amount of the resources to be distributed being less than a max transfer amount of the one of the plurality of rails that is selected to be the preferred rail; and initiating the distribution of the resources via the preferred rail.