IP Library › Granted Patent US 12,541,772
Granted Patent B2
US 12,541,772 · App. 18/769,680 · Granted Feb 3, 2026

Self-disclosed identity on a network

Inventors: Marc Ward (Livermore, CA); Thomas J. Gilheany (San Jose, CA); Parul Ghosh (Bangalore, IN); Shahriar Zand-Biglari (Phoenix, AZ)
Assignee: Wells Fargo Bank, N.A.
G06Q30/0216H04L63/0861H04L67/306
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Quick Facts
Patent No.
US 12,541,772
App. No.
18/769,680
Granted
Feb 3, 2026
Kind
B2
Abstract

Techniques described herein include techniques for communicating information about the social behavior of users and transactions performed by users on a computer network. In one example, this disclosure describes a method that includes receiving information about identity disclosure activities performed by each of a plurality of users on the network; determining that the information about identity disclosure activities includes information consistent with a prior identity disclosure activity performed by a first user having a first user status on the network; increasing the first user status; determining that the information about identity disclosure activities includes information that is not consistent with a prior identity disclosure activity performed by a second user having a second user status on the network; and decreasing the second user status.

Claims (51)

1 . A computing system comprising processing circuitry and a storage device, wherein the processing circuitry has access to the storage device and is configured to:

receive, over a network, information about an identity disclosure activity performed by a user that has a network status maintained by a distributed ledger, wherein the information includes biometric information identified as associated with the user, and wherein the network status confers a financial yield to the user;

evaluate the information about the identity disclosure activity to determine whether the biometric information is consistent with biometric information from a prior identity disclosure activity performed by the user;

determine, based on the evaluation of the information, an adjustment to the network status for the user; and

output, based on the determined adjustment, a set of control signals to at least one node of a plurality of nodes that implement the distributed ledger, wherein the control signals cause the at least one node to modify the financial yield conferred to the user.

2 . The system of claim 1 , wherein to receive information about the identity disclosure activity, the processing circuitry is further configured to:

receive information derived from a self-disclosed identity process performed by the user and another user.

3 . The system of claim 1 , wherein to receive information about the identity disclosure activity, the processing circuitry is further configured to:

receive information based on a visit to a bank branch by the user.

4 . The system of claim 1 , wherein to receive information about the identity disclosure activity, the processing circuitry is further configured to:

receive information based on an interaction, by the user, with a field system.

5 . The system of claim 1 , wherein to output the set of control signals, the processing circuitry is further configured to:

output control signals that increase the network status of the user by increasing the financial yield conferred to the user.

6 . The system of claim 1 , wherein to output the set of control signals, the processing circuitry is further configured to:

output control signals that decrease the network status of the user by decreasing the financial yield conferred to the user.

7 . The system of claim 1 , wherein to evaluate the information about the identity disclosure activity, the processing circuitry is further configured to:

evaluate biometric data included within the information about the identity disclosure activity.

8 . The system of claim 1 , wherein the processing circuitry is further configured to:

modify, based on conduct of the user on the network, the network status of the user.

9 . The system of claim 8 , wherein to modify the network status of the user, the processing circuitry is further configured to:

decrease, based on conduct of the user on the network, the network status of the user.

10 . The system of claim 1 , wherein the processing circuitry is further configured to:

collect information about transactions performed on the network by the user;

generate, based on the collected information, a recommendation for the user; and

collect, by an entity that controls the computing system, a recommendation fee.

11 . A method comprising:

receiving, by a computing system and over a network, information about an identity disclosure activity performed by a user that has a network status maintained by a distributed ledger, wherein the information includes biometric information identified as associated with the user, and wherein the network status confers a financial yield to the user;

evaluating, by the computing system, the information about the identity disclosure activity to determine whether the biometric information is consistent with biometric information from a prior identity disclosure activity performed by the user;

determining, by the computing system and based on the evaluation of the information, an adjustment to the network status for the user; and

outputting, by the computing system and based on the determined adjustment, a set of control signals to at least one node of a plurality of nodes that implement the distributed ledger, wherein the control signals cause the at least one node to modify the financial yield conferred to the user.

12 . The method of claim 11 , wherein receiving information about the identity disclosure activity includes:

receiving information derived from a self-disclosed identity process performed by the user and another user.

13 . The method of claim 11 , wherein receiving information about the identity disclosure activity includes:

receiving information based on a visit to a bank branch by the user.

14 . The method of claim 11 , wherein receiving information about the identity disclosure activity includes:

receiving information based on an interaction, by the user, with a field system.

15 . The method of claim 11 , wherein outputting the set of control signals includes:

outputting control signals that increase the network status of the user by increasing the financial yield conferred to the user.

16 . The method of claim 11 , wherein outputting the set of control signals includes:

outputting control signals that decrease the network status of the user by decreasing the financial yield conferred to the user.

17 . The method of claim 11 , wherein evaluating the information about the identity disclosure activity includes:

evaluating biometric data included within the information about the identity disclosure activity.

18 . The method of claim 11 , further comprising:

modifying, based on conduct of the user on the network, the network status of the user.

19 . The method of claim 18 , wherein modifying the network status of the user includes:

decreasing, based on conduct of the user on the network, the network status of the user.

20 . Non-transitory computer-readable media comprising instructions that, when executed, configure processing circuitry of a computing system to:

receive, over a network, information about an identity disclosure activity performed by a user that has a network status maintained by a distributed ledger, wherein the information includes biometric information identified as associated with the user, and wherein the network status confers a financial yield to the user;

evaluate the information about the identity disclosure activity to determine whether the biometric information is consistent with biometric information from a prior identity disclosure activity performed by the user;

determine, based on the evaluation of the information, an adjustment to the network status for the user; and

output, based on the determined adjustment, a set of control signals to at least one node of a plurality of nodes that implement the distributed ledger, wherein the control signals cause the at least one node to modify the financial yield conferred to of the user.

Continuity (2)
Continuation 18153189 · Jan 11, 2023
Related Publication 20240362662A1 · Oct 31, 2024
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