Systems and methods for continuous availability of account information

US12223489B2 · kind B2 · utility

Assignee

• Wells Fargo Bank, N.A. · US

Inventors

• Shailesh Hedaoo · Fremont, US
• Benjamin Soccorsy · Larkspur, US
• Manish Adeshara · Fremont, US
• Ashish G. Khapre · Fremont, US
• Chintan Mehta · Peoria, US
• Manoj Thorat · Fremont, US
• Ajith Thoutu · Dublin, US
• Priyank Tiwari · Bengaluru, IN

Key dates

• Filing date: Oct 31, 2023
• Grant date: Feb 11, 2025
• Expiry date: Oct 31, 2043

Classification

• Technology area (CPC G): Physics
• CPC primary: G06F21/6245
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A system includes a processing circuit including one or more processors coupled to non-transitory memory. The processing circuit is configured to: store a cookie associated with a user device of a user; receive a prefetch request based on the cookie for account information in advance of a user request for the account information; identify the user based on the stored cookie; verify the identity of the user based on a received credential regarding the user; perform asynchronous data gathering by receiving data intermittently over one or more network nodes to retrieve the account information based on the prefetch request and the verification of the identity of the user; and provide account information to an active cache of the user device that proactively updates stored account information. The account information is stored in the active cache of the user device for later retrieval.