Wells Fargo Bank, N.a.

Philip Sprague

Laura Marie Fontana

Daniel David

Jonathan Austin Hartsell

Sarah W Phelps

Christina Zikeli

Daniel A Porter

Heath Kamp

Carrie Anne Hanson

Benjamin Soccorsy

Young M Yang

William E Wheeler

Matthew Pearce

Shari Van Cleave

Jeff Parker

Andrew Struck-Marcell

A method for performing payment transactions includes obtaining payor or payee information for a social media payment transaction and using the payor or payee information in a funds payment transaction on another system. Other systems, apparatuses, and methods are also described.

Social payments recipient capture

Systems and methods include a payer user device including a near field communication transceiver configured to facilitate communications with devices within a threshold range from the payer user device, and a digital payment application that detects one or more payee user devices, receives a selection of a payee user device, receives a tokenized identifier that provides a provider computing system information to identify an account associated with a user of the payee user device, and adds the tokenized identifier to a stored list of payees on the payer user device.

Systems and methods for making person-to-person payments via mobile client application

The current disclosure relates to systems, apparatuses, and methods of for performing an electronic transfer, including determining recipient information for the electronic transfer using a first user interface of the electronic banking platform, in response to determining the recipient information, two or more user interactive elements are displayed in a second user interface of the electronic banking platform, each of the two or more user interactive elements corresponds to a different one of a plurality of electronic P2P transfer platforms, receiving user input corresponding to a selected user interactive element of the two or more user interactive elements, the selected user interactive element corresponds to a selected electronic P2P transfer platform of the plurality of electronic P2P transfer platforms, and processing the electronic transfer using the electronic banking platform and the selected P2P transfer platform.

P2P payments via integrated 3rd party APIs

A method includes generating a transaction code associated with a payee; generating and providing a payee device token to a payee user device; receiving an indication of a contact or a near-contact event between the payee user device and a payor user device; receiving from the payor user device, the transaction code associated with the payee and a transaction code associated with the payor, the transaction codes exchanged during the contact or near-contact event; establishing a payment relationship between the payee and the payor responsive to receiving the indication and the transaction codes from the payor user device; receiving a payment request; determining that the payment request originated from the user device identified by the payee device token, and that the received transaction codes contained in the payment request match stored transaction codes of the payee and the payor contained in a database; and processing the received payment request.

Systems and methods for establishing a pull payment relationship

Systems, methods, and apparatuses for establishing a pull payment relationship are disclosed herein. A method performed by a financial institution computing system includes registering a payee for a pull payment service; registering a payor for the pull payment service; receiving an indication of a contact or a near contact event occurring between a user device associated with the payee and a user device associated with the payor; establishing a pull payment relationship between the payee and the payor responsive to receiving the indication; and fulfilling a payment request from the payee based on the established pull payment relationship.

Growing community of inventors

Matthews, NC, United States of America

Philip Sprague