Wells Fargo Bank, N.a.

Stephen M Ellis

Bipin M Sahni

Ashish Bhoopen Kurani

Nikolai Stroke

Melissa Lowry

Uma Meyyappan

Michael Joseph Kennedy

David C Hatch

Shahid Razzaq

Steve Puffer

Karen Nishikawa

Steven E Puffer

Abhijit Shetti

Stanislav Roumiantsev

Lei Han

Susanne Carr

Margaret Mangot

Deborah M Ball

Brad J Shoff

A method includes receiving an indication from a user that a physical payment card is lost or stolen, and an indication to perform a mobile wallet transaction. The method includes accessing a database to retrieve a list of accounts held by the user, and prior to presenting a list of available source accounts, determining that a previously-provisioned source account is no longer available as a source of funds, where the list includes at least one new account that has not been previously provisioned. The method further includes generating a screen display to present to the user, the display showing the list of accounts held by the user at a financial institution. The method includes presenting the list of available source accounts to the user, receiving a user selection of the at least one new account, and transferring funds from the at least one new account to a recipient.

Mobile wallet account provisioning systems and methods

A computer-implemented includes: causing a first interface to be displayed by a mobile device that includes a first selection option; causing a second interface to be displayed by the mobile device that displays an image capture interface; receiving an image from the mobile device based on receiving a second user selection of an image capture function element displayed on the second interface; determining a product associated with a code; receiving a third user selection of the product and a product purchase option associated with the product; transferring a payment for the product to a merchant associated with the product from an account based on information associated with the merchant and the product purchase option; and causing a third interface to be displayed by the mobile device that includes a purchase confirmation that includes order details regarding the product and the product purchase option.

Multi channel purchasing of interoperable mobile wallet

A computer system includes one or more processors coupled to one or more memory devices containing computer-executable instructions which, when executed by the one or more processors, are configured to cause the computer system to: receive information related to a redemption opportunity; receive information related to a user profile of a user; detect a geographic location of a mobile device running a mobile wallet of the user; and generate, on the mobile device of the user based on the mobile device of the user being within a predetermined distance of a merchant and the user profile of the user, an alert that is displayed by the mobile device, wherein the alert includes a message comprising an image overlaid on a map indicating the geographic location of the merchant relative to the detected geographic location of the mobile device.

System and method for a mobile wallet

As disclosed, a processor is configured to receive information relating to an account user and a restriction relating to the account user's ability to spend funds from an account. Based on the information relating to the account user, the processor generates an electronic message comprising a link structured to allow the account user to download, at a user computing device, an instance of a mobile wallet application, wherein the instance of the mobile wallet application is structured to gather location data from at least one of a Bluetooth device interfacing with the user computing device, a WiFi device interfacing with the user computing device, and an application provided to the user computing device, and wherein the location data is used to allow a transaction based on a determination that the user computing device is within a threshold distance from a second computing device.

Use limitations for secondary users of financial accounts

A method for receipt tracking performed by one or more processors of a mobile wallet computer system includes receiving a receipt corresponding to a mobile wallet transaction performed by a mobile device associated with a user; extracting a first portion of identifying information from the receipt; receiving, via a user input, a second portion of identifying information to at least one of supplement or correct the extracted first portion of identifying information; updating a record associated with the receipt based on the received second portion and the first portion of identifying information; storing the updated record in a transaction database; and sorting records of previous transactions including the mobile wallet transaction stored in the transaction database.

System and method for operating a mobile wallet including receipt tracking

A mobile device includes a processing circuit to perform operations including transmitting a device token and a customer token to a computing system, the device token identifying the mobile device and a first session of a client application, the customer token identifying a user. The operations can include enabling access to the client application during the first session based on the device token and the customer token and receiving a second device token, the second device token identifying the mobile device and a second session. The operations can include receiving, during the first session, an identification number associated with an account of the user for a transaction, the identification number generated in response to a fund request from the mobile device. The operations can include providing a user interface displayed on the mobile device during the first session and receiving during the first session, an approval for the transaction.

Mobile device transaction systems and methods

One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data. Similarly, renderings may be selected based on interaction capabilities or interaction options a user may have with different renderings or presentations. In other embodiments, user interaction with an automated teller machine (ATM), call center, vehicle, or other interface can be based on device properties or device capabilities.

Banking interface

A method includes: providing a mobile wallet on a mobile device of a user; generating a customer token regarding the user; generating a device token regarding the mobile device; encrypting and sending the customer token and the device token; receiving a user credential associated with a second institution; accessing information regarding an account of the user at the second institution; automatically provisioning the account to the mobile wallet; providing tokenized account information associated with the provisioned account to the mobile wallet; receiving an input of a login credential associated with the first institution; receiving an indication of an initiation of a mobile wallet transaction; validating and identifying the user based on the received login credential and the customer token; validating the mobile wallet of the mobile device based on the device token; and transferring funds from the provisioned account to a recipient as part of the mobile wallet transaction.

A method includes receiving a fund access request from a user device associated with a user; generating a tokenized card number based on an actual card account number of the user that substitutes the actual card account number in a payment transaction; providing a code to the user device including the tokenized card number and a numeric or alphanumeric string of values; determining that the numeric or alphanumeric string of values in the code transmitted to the user device matches a numeric or alphanumeric string of values in a field of a code received from a separate computer system; determining that a location of the user device matches a merchant location; authenticating the payment transaction based on the numeric or alphanumeric match and the location match; and, transmitting the actual card account number to the separate computer system as part of the payment transaction.

Mobile wallet using tokenized card systems and methods

Mobile device interface

A computer-implemented method performed by one or more processors of a mobile wallet computer system is provided. The method includes: receiving, by network interface logic of the mobile wallet computer system, at least one offer from at least one merchant; determining, by one or more processors of the mobile wallet computer system, an offer to provide to a mobile device of a user; causing, by the one or more processors, an image to be displayed on the mobile device taken from a camera of the mobile device; generating, by augmented reality logic, an overlay display configured to overlay the image, the overlay display providing additional information related to the offer to the user; generating, by the one or more processors, an offer code for the mobile device of the user for providing to a merchant; and sending, by the one or more processors, the offer code to the mobile device.

A mobile wallet computer system coupled to a merchant computer system and a mobile device associated with a user includes one or more processors coupled to one or more non-transitory memory devices. The one or more non-transitory memory devices include instructions stored therein that are executable by the one or more processors to cause operations including receiving, from the mobile device, a request to perform a transaction between the user and a merchant associated with the merchant computer system. The operations also include generating and providing to the mobile device a code comprising mobile wallet account information associated with the user. The operations also include receiving, from the merchant computer system, the code, bank account information associated with the merchant, and a purchase amount associated with the transaction. The operations also include authenticating the transaction between the user and the merchant by decoding the code.

A computer-implemented system and method that includes receiving, by a messaging hub, a code and a transaction amount from a recipient and determining, by the messaging hub, based at least partially on the code, an account number for a credit card held by a user. The system and method may include receiving, by the messaging hub, funds equaling the transaction amount from the credit card and depositing the funds in an account held by the messaging hub, the funds being received via a four-party credit card transaction in which the messaging hub operates as a merchant and sending the funds from the account held by the messaging hub to an account held by the recipient.

Merchant account transaction processing systems and methods

A computer-implemented method includes: receiving a request to perform a mobile wallet transaction between a user and a merchant via a mobile wallet application operating on a mobile device of the user; determining a location of the mobile device; receiving transaction information from a merchant computer system associated with the merchant; determining a location of a merchant point-of-sale device in communication with the mobile device; comparing the location of the mobile device and the location of the merchant point-of-sale device to determine whether the location of the mobile device is within a predefined distance of the location of the merchant point-of-sale device; generating a transaction code; transmitting the transaction code to the mobile device; transferring funds from an account of the user to a merchant account; and, transmitting an indication that the mobile wallet transaction has been completed to the mobile device.

A computer system receives an indication from a user that the user wishes to perform a mobile wallet transaction to transfer funds to a recipient using a mobile device. The transaction is authenticated by the computer system. The authentication includes receiving login credentials manually entered by the user and determining that the login credentials match stored login credentials for the user. The authentication further includes determining that the mobile device has a device token stored thereon that matches a device token stored in a database of the computer system. The device token uniquely identifies the mobile device in the computer system. The authentication further includes determining that the mobile device has a customer token stored thereon that matches the customer token stored in the database. The customer token uniquely identifying the customer in the computer system. The computer system transmits the funds to the recipient responsive to the authenticating step.

Growing community of inventors

Tahoe City, CA, United States of America

Stephen M Ellis