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:
Jan. 31, 2023
Filed:
Oct. 18, 2021
Wells Fargo Bank, N.a., San Francisco, CA (US);
Al Hecht, San Francisco, CA (US);
Ann Kirk, Deerwood, MN (US);
Michael Miller, Fort Meyers, FL (US);
Karen Moore, Vacaville, CA (US);
Melanie Gipe, Danville, CA (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
A process includes receiving a check deposit and a withdrawal request associated with an account of a customer, the account associated with a first amount, the check deposit includes a second amount greater than the first amount, and the withdrawal request includes a third amount greater than the first amount. The process further includes forwarding, via an account verification system, an inquiry message regarding the check deposit to a paying computing system, the inquiry message including an identifier of the paying computing system, the inquiry message forwarded prior to settlement of the check deposit. The process further includes determining real time account status information of the account of the payor, and authorizing in real time relative to when the real time account status is accessed.