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:
Nov. 01, 2022
Filed:
Dec. 20, 2019
Applicant:
Wells Fargo Bank, N.a., San Francisco, CA (US);
Inventors:
Sri Rajesh Rayudu, Hyderabad, IN;
Ramanathan Ramanathan, Bellevue, WA (US);
Santosh Nichani, Secunderabad, IN;
Srinivas Vengala, Secunderabad, IN;
Shanmukeswara R. Donkada, Hyderabad, IN;
Assignee:
Wells Fargo Bank, N.A., San Francisco, CA (US);
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/40 (2012.01); H04L 9/40 (2022.01); G06Q 20/20 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/40145 (2013.01); G06Q 20/206 (2013.01); H04L 63/0838 (2013.01); H04L 63/0861 (2013.01);
Abstract
A financial system receives a transaction request and transmits a one-time passcode to a consumer associated with the transaction request. Transmission of the one-time passcode is typically via a first channel. If the system determines that the one-time passcode was not delivered, a second channel is utilized. Depending upon the success of delivering the one-time passcode, more than one type of communication channel can be used.