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:
Oct. 13, 2026
Filed:
Apr. 19, 2023
Wells Fargo Bank, N.a., San Francisco, CA (US);
Zoran Stanisljevic, Mint Hill, NC (US);
Cecil B. Burrowes, Charlotte, NC (US);
Debashis Ghosh, Charlotte, NC (US);
Nadia Van De Walle, Wayne, PA (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
Systems, apparatuses, methods, and computer program products are disclosed for continuous evaluation of customer credit. An example method includes receiving, by communications hardware, historical customer financial data, and generating, by user profile circuitry and based on the historical customer financial data, a user credit profile. The example method further includes receiving, by the communications hardware, real-time customer financial data, and updating, by the user profile circuitry and based on the real-time customer financial data, the user credit profile. The example method further includes receiving, by the communications hardware and from a server device, a request for credit data, wherein the credit data is based on the user credit profile, and transmitting, by the communications hardware, the credit data to the server device.
Data source: USPTO (United States Patent and Trademark Office) public patent records. Weekly synchronization. How IDiyas builds this profile