Wells Fargo Bank, N.a.

Mohammed Arif

Ramanathan Ramanathan

Rameshchandra Bhaskar Ketharaju

Shanmukeswara Rao Donkada

Arun Raj

Jayasree Iyer

Mathewbabu Edappilly Antony

Sajeev Philip

Amit Tripathi

Poornima Mahabaleshwarappa

Poornima Mahabeleshwarappa

The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of funds transfer authentication. The authentication can include receiving a transfer request to transfer funds from a payer to a payee, the transfer request identifies the payer, the payee, and an amount to transfer. Customer information associated respectively with the payer and the payee is identified. The payer and the payee are authenticated. A communication session is opened between the payer and payee. A time-limited payee OTP is generated and sent to the payee. The payee OTP is received within a first time limit. The funds are transferred from the payer to the payee based on receiving a matching payee OTP.

Funds transfer authentication

The innovation disclosed and claimed herein, in me aspect thereof, comprises systems and methods of funds transfer authentication. The authentication can include receiving a transfer request to transfer funds from a payer to a payee, the transfer request identifies the payer, the payee, and an amount to transfer. Customer information associated respectively with the payer and the payee is identified. The payer and the payee are authenticated. A communication session is opened between the payer and payee. A time-limited payee OTP is generated and sent to the payee. The payee OTP is received within a first time limit. The funds are transferred from the payer to the payee based on receiving a matching payee OTP.

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Raichur, India

Mohammed Arif