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. 11, 2024
Filed:
Nov. 14, 2022
Applicant:
Wells Fargo Bank, N.a., San Francisco, CA (US);
Inventor:
Al Hecht, Chanhassen, MN (US);
Assignee:
Wells Fargo Bank, N.A., San Francisco, CA (US);
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/10 (2012.01); G06Q 20/04 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/108 (2013.01); G06Q 20/042 (2013.01); G06Q 20/322 (2013.01); G06Q 20/4016 (2013.01);
Abstract
A computer-implemented method includes receiving, from a mobile device, a deposit request including a first check image for funds to be deposited into a user account, determining a risk level associated with the deposit request, requesting a second check image having a restricted endorsement based on the risk level, receiving the second check image having the restricted endorsement, determining a confidence level based on the restricted endorsement, and transferring the funds to the user account based on the confidence level.