US 12,355,826 B2
Account registration session management operations using concurrent preliminary risk scoring
Tessa C. Naroditsky, San Francisco, CA (US); Yvonne Yue Hong Zhao, San Francisco, CA (US); Adrianne M. Petrutis-Brewer, Fresno, CA (US); Elizabeth M. Scott, Charlotte, NC (US); and Ka Leung, San Francisco, CA (US)
Assigned to Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed by Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed on Apr. 24, 2024, as Appl. No. 18/645,086.
Application 18/645,086 is a continuation of application No. 17/820,335, filed on Aug. 17, 2022, granted, now 11,997,145.
Prior Publication US 2024/0275828 A1, Aug. 15, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 65/1073 (2022.01); H04L 65/1069 (2022.01); H04W 12/06 (2021.01)
CPC H04L 65/1073 (2013.01) [H04L 65/1069 (2013.01); H04W 12/06 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method for managing an account registration session using real-time risk scoring and cross-account inferences, the computer-implemented method comprising:
during the account registration session:
receiving a registration request indicative of a requested account type and a user corresponding to the requested account type;
identifying, based on the registration request, an authenticated account associated with the user;
determining, based on the authenticated account, a secondary account associated with the user;
identifying an input data field related to the requested account type;
determining a value for the input data field based on at least one of the authenticated account or the secondary account;
generating, based on the registration request, an account registration data object, wherein the input data field of the account registration data object are automatically populated with the determined value;
determining, based on the authenticated account and the secondary account and using a risk scoring machine learning model, a preliminary risk category for the registration request;
generating a real-time registration processing output for the account registration session based on the preliminary risk category, wherein the real-time registration processing output comprises an associated risk determination data field; and
transmitting, to a communication device, an account registration notification based on the real-time registration processing output.