Inventor
KUSHNER KRISTINE ING
US50 patents
Patents
50 patentsUS10721226B1Jul 21, 2020
User-level token for user authentication via a user device
WELLS FARGO BANK NA21 citations94
US11470079B1Oct 11, 2022
User-level token for user authentication via a user device
WELLS FARGO BANK NA6 citations86
US10963960B1Mar 30, 2021
Computer system for automatic credit allocation of a shared line of credit
WELLS FARGO BANK NA15 citations86
US11295297B1Apr 5, 2022
Systems and methods for pushing usable objects and third-party provisioning to a mobile wallet
WELLS FARGO BANK NA17 citations84
US11144331B1Oct 12, 2021
Virtual assistant transfer protocol
WELLS FARGO BANK NA7 citations84
US10380476B1Aug 13, 2019
Transaction instrument
WELLS FARGO BANK NA11 citations84
US11636475B1Apr 25, 2023
Predicting and making payments via preferred payment methods
WELLS FARGO BANK NA11 citations83
US10749970B1Aug 18, 2020
Continuous task-based communication sessions
WELLS FARGO BANK NA7 citations83
US11593801B1Feb 28, 2023
Systems and methods for improved verification of transactions
WELLS FARGO BANK NA5 citations82
US10572784B1Feb 25, 2020
Wood transaction instrument
WELLS FARGO BANK NA9 citations82
US11763303B1Sep 19, 2023
Identity management service via a user-level token
WELLS FARGO BANK NA3 citations73
US11561804B1Jan 24, 2023
Virtual assistant transfer protocol
WELLS FARGO BANK NA1 citations73
US11249976B1Feb 15, 2022
Data structures for computationally efficient data promulgation among devices in decentralized networks
WELLS FARGO BANK NA2 citations73
US11176334B1Nov 16, 2021
Cardholder sleeve and near-field communication proxy device for communication with integrated circuit chip cards
WELLS FARGO BANK NA4 citations73
US11161245B2Nov 2, 2021
Systems and methods for secure locker feeders
WELLS FARGO BANK NA2 citations73
US11138486B1Oct 5, 2021
Cardholder sleeve with selectable wireless communication capabilities
WELLS FARGO BANK NA3 citations73
US11010655B1May 18, 2021
Computer-based systems for protecting shipping information
WELLS FARGO BANK NA3 citations73
US10769684B1Sep 8, 2020
Property assessment system with buoyancy adjust device
WELLS FARGO BANK NA5 citations73
US10482365B1Nov 19, 2019
Transaction instrument containing metal inclusions
WELLS FARGO BANK NA2 citations73
US11538041B1Dec 27, 2022
Secondary financial session monitoring across multiple access channels
WELLS FARGO BANK NA3 citations72
US11276106B2Mar 15, 2022
System and method for claw back and price protection
WELLS FARGO BANK NA3 citations72
US11030625B1Jun 8, 2021
Secondary financial session monitoring across multiple access channels
WELLS FARGO BANK NA2 citations72
US10719830B1Jul 21, 2020
Secondary financial session monitoring across multiple access channels
WELLS FARGO BANK NA4 citations72
US11861593B1Jan 2, 2024
Payment vehicle recycling system and method
WELLS FARGO BANK NA2 citations71
US11449875B1Sep 20, 2022
Organizational and personal identity verification and validation
WELLS FARGO BANK NA4 citations70
US11875419B1Jan 16, 2024
Virtual property appraisals and/or inspections
WELLS FARGO BANK NA2 citations69
US11657178B1May 23, 2023
Interrupting receipt of sensitive information
WELLS FARGO BANK NA2 citations68
US10922433B2Feb 16, 2021
Interrupting receipt of sensitive information
WELLS FARGO BANK NA2 citations68
US12309145B2May 20, 2025
User-level token for user authentication via a user device
WELLS FARGO BANK NA0 citations63
US11799851B1Oct 24, 2023
User-level token for user authentication via a user device
WELLS FARGO BANK NA0 citations63
US12536149B2Jan 27, 2026
Data structures for computationally efficient data promulgation among devices in decentralized networks
WELLS FARGO BANK NA0 citations62
US12124905B1Oct 22, 2024
Transaction instrument with features for destruction and disposal
WELLS FARGO BANK NA1 citations62
US12038902B2Jul 16, 2024
Data structures for computationally efficient data promulgation among devices in decentralized networks
WELLS FARGO BANK NA0 citations62
US11900441B1Feb 13, 2024
System, method, and medium for claw back and price protection
WELLS FARGO BANK NA0 citations62
US11803395B1Oct 31, 2023
Virtual assistant transfer protocol
WELLS FARGO BANK NA0 citations62
US11669511B1Jun 6, 2023
Data structures for computationally efficient data promulgation among devices in decentralized networks
WELLS FARGO BANK NA0 citations62
US11403678B1Aug 2, 2022
Property assessment system
WELLS FARGO BANK NA0 citations62
US11227610B1Jan 18, 2022
Computer-based systems for administering patterned passphrases
WELLS FARGO BANK NA1 citations62
US11962655B1Apr 16, 2024
Continuous task-based communication sessions
WELLS FARGO BANK NA0 citations61
US11509727B1Nov 22, 2022
Continuous task-based communication sessions
WELLS FARGO BANK NA0 citations61
US11170279B1Nov 9, 2021
Wood transaction instrument
WELLS FARGO BANK NA0 citations61
US11068937B1Jul 20, 2021
Systems and methods for determining real time available capacity of a merchant
WELLS FARGO BANK NA1 citations61
US12443955B2Oct 14, 2025
Predicting and making payments via preferred payment methods
WELLS FARGO BANK NA0 citations60
US12014367B2Jun 18, 2024
Predicting and making payments via preferred payment methods
WELLS FARGO BANK NA0 citations60
US12417456B2Sep 16, 2025
Systems and methods for improved verification of transactions
WELLS FARGO BANK NA0 citations59
US11941628B1Mar 26, 2024
Systems and methods for improved verification of transactions
WELLS FARGO BANK NA0 citations59
US11023984B1Jun 1, 2021
Virtual property appraisals and/or inspections
WELLS FARGO BANK NA1 citations58
US12158972B2Dec 3, 2024
Interrupting receipt of sensitive information
WELLS FARGO BANK NA0 citations56
US11610203B2Mar 21, 2023
Value transfer via facial recognition
WELLS FARGO BANK NA0 citations52
US11803890B2Oct 31, 2023
Method and system for concurrent visualization tool using augmented reality to improve decision making
WELLS FARGO BANK NA0 citations39