SECURE ACCESS FOR ASSISTED TRANSACTIONS IN AN ONLINE BANKING SYSTEM

Patent №

US 10,554,654

Granted

2020-02-04

Filed 2017

Owner

WELLS FARGO BANK, N.A.

Lab

AI components

3

nlp · speech · planning

Assignment

Recorded

Dataset

AIPD

2023_r1 edition

Application

15610336

Techniques are described for secure access for assisted transactions in an online banking system. A server of the online banking system is configured to establish an assisted session during which both a primary user and an assistant user have secure access to the primary user's account via their respective computing devices. The techniques enable the assistant user to request transactions with the primary user's account on the primary user's behalf, and further enable the primary user to approve the requested transactions prior to performance. The techniques include translating the requested transactions into a natural language description that is understandable to the primary user, and presenting the natural language description to the primary user for approval or denial of the requested transaction. In this way, a primary user may receive the assistance necessary to use an online banking system without giving up all control over the primary user's account.

Natural languageSpeechPlanningH04L 63/0853G06F 40/30G06F 40/58G06Q 20/1085G06Q 20/2295G06Q 20/40G06Q 20/42H04L 63/083+2 more

AI classification

Natural language1.00
Speech1.00
Planning0.91
AI hardware0.16
Machine learning0.01
Knowledge representation0.00
Vision0.00
Evolutionary computation0.00

Ownership

WELLS FARGO BANK, N.A.

assignment · 439270230

Assignors

RAMANATHAN, RAMANATHAN, RAO, ABHIJIT, MAENG, JOON

On an employer assignment, the assignors are typically the inventors.

From the same owner

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