The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jun. 15, 2021
Filed:
Feb. 07, 2017
Wells Fargo Bank, N.a., San Francisco, CA (US);
Wayne Barakat, Novato, CA (US);
Ha M. Duong, San Francisco, CA (US);
Yvette Hatton, El Cerrito, CA (US);
Chris Kalaboukis, San Jose, CA (US);
Marria Rhodriquez, San Francisco, CA (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
A financial institution computing system includes a network circuit enabling the financial institution computing system to exchange information over a network, a customer database storing information for a customer including habit information of the customer and a customer indicator of the customer, and a transaction circuit. The transaction circuit receives, over the network via the network circuit, a first transaction request including the customer indicator. The transaction circuit authenticates the first transaction request by determining that a characteristic of the first transaction request conforms with the habit information of the customer associated with the customer indicator, and authorizes the first transaction request based on the first transaction request being authenticated. The transaction circuit receives, over the network via the network circuit, a second transaction request including the customer indicator, and authorizes the second transaction request based on receiving the customer indicator.