Wells Fargo Bank, N.a.

Srivathsan Sridharan

Ramanathan Ramanathan

Rameshchandra Bhaskar Ketharaju

Shanmukeswara Rao Donkada

Akash Kumar Gupta

Tarun Kailaschandbaid

A boarding pass can be employed as a financial instrument to make payments and other financial transactions. A passenger name record, a standardized computer reservation system protocol, can be associated with one or more financial accounts. When a point of sale device scans the boarding pass, either on a mobile device, or a traditional paper boarding pass, the passenger name record can be used to find a travel itinerary associated with the customer. By matching the travel itinerary to the location of the point of sale device, and the time, payments can be authorized and then initiated using financial account information associated with the passenger name record. Likewise, a mismatch can provide a basis for denying authorization and subsequent payment.

System and method for using a boarding pass to facilitate financial transactions

Systems and methods provide for using a boarding pass as a financial instrument to make payments and other financial transactions. A passenger name record, a standardized computer reservation system protocol, can be associated with one or more financial accounts. When a point of sale device scans the boarding pass, either on a mobile device, or a traditional paper boarding pass, the passenger name record can be used to find a travel itinerary associated with the customer. By matching the travel itinerary to location of the point of sale device, and the time, payments can be authorized, and then initiated using financial account information associated with the passenger name record.

A method for authenticating a user of a mobile electronic computing device to perform operations on a first electronic computing device includes receiving a request to access the first electronic computing device. In response to the request to access, a first identifier is sent to the mobile electronic computing device. A second identifier is received from a second electronic computing device. The second electronic computing device is different from the mobile electronic computing device. A determination is made as to whether the first identifier matches the second identifier. When the first identifier matches the second identifier, a trust score is calculated for the user. A determination is made as to whether the trust score is equal to or greater than a threshold. When the trust score is equal to or greater than the threshold, the user is authenticated to login to the first electronic computing device.

Growing community of inventors

Bengaluru, India

Srivathsan Sridharan