US 2023/0418918 A1Published application

User information gathering and distribution system

AssigneeWells Fargo Bank, N.A.

InventorsVenu Andra, Balinder Mangat, Tabari D. Williams

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Abstract

Systems and methods relating to alerting users as to user information to be exchanged during transactions. A user information system (UIS) information circuit and an associated user information database populates an account with user information received from at least one of the user and a plurality of entities. A user information request relating to a transaction is received from an entity computing system associated with an entity over a network via a network interface circuit. A security circuit sends an alert comprising an approval request containing an identification of user information requested in the user information request to a user computing device associated with the user over the network. The security circuit receives an approval of the approval request from the user computing device, and the UIS information circuit provides the approved information to the entity to complete the transaction.

Claims20

Dependent claims

A method, comprising:

determining, by a User Information Service (UIS) system, that a user of a user computing device is predicted to engage in a potential transaction based on monitoring software applications executed on the user computing device and website activities on the user computing device;
determining, by the UIS system based on a transaction type of the potential transaction and an entity of the potential transaction, first user information corresponding to the potential transaction by comparing the potential transaction to a plurality of prior transactions of the same transaction type;
determining, by the UIS system, second user information of the user stored in a user information database;
determining, by the UIS system, whether the second user information is sufficient for the potential transaction by comparing the first user information and the second user information;
in response to determining that the second user information is not sufficient for the potential transaction, sending, by the UIS system to the user computing device, an alert indicating third user information different from the second user information;
receiving, by the UIS system from the user computing device, the third user information;
and
providing, by the UIS system to an entity computing system of the entity, the second user information and the third user information.

5 more elements

At least one non-transitory computer readable medium having computer-executable instructions embodied therein that, when executed by at least one processor, causes the at least one processor to:

determine that a user of a user computing device is predicted to engage in a potential transaction based on monitoring software applications executed on the user computing device and website activities on the user computing device;
determine based on a transaction type of the potential transaction and an entity of the potential transaction, first user information corresponding to the potential transaction by comparing the potential transaction to a plurality of prior transactions of the same transaction type;
determine second user information of the user stored in a user information database;
determine whether the second user information is sufficient for the potential transaction by comparing the first user information and the second user information;
in response to determining that the second user information is not sufficient for the potential transaction, send, to the user computing device, an alert indicating third user information different from the second user information;
receive from the user computing device, the third user information;
and
provide, to an entity computing system of the entity, the second user information and the third user information.

5 more elements

Dependencies are inferred from the claim text.

Facts

Application: 18/244,662Filed 11 Sep 2023
Priority: 29 Dec 2015
Published: 28 Dec 2023
Term ends: Not estimatedThe source records don’t support an estimate.

Classification9 codes

G06F 21/32
User authentication: using biometric data, e.g. fingerprints, iris scans or voiceprints
H04L 63/08
Network architectures or network communication protocols for network security: for authentication of entities
G06F 21/6245
To a system of files or objects, e.g. local or distributed file system or database: protecting personal data, e.g. for financial or medical purposes
H04L 63/083
For authentication of entities: using passwords

Family

Application62/272,422Us provisional application · filed 29 Dec 2015
Application15/385,035Continuation · filed 20 Dec 2016
Application17/079,095Continuation · filed 23 Oct 2020
Application18/244,662Continuation
US 10,817,593 B1Related patent
US 11,755,707 B1Related patent
US 2023/0418918 A1This patent

From the US filing history. Foreign family members aren’t listed.