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.

Date of Patent:
Aug. 20, 2024

Filed:

Mar. 01, 2021
Applicant:

Wells Fargo Bank, N.a., San Francisco, CA (US);

Inventors:

Eric Greene, Piedmont, CA (US);

Simone Harvey, Berkeley, CA (US);

Adnan Khan, San Francisco, CA (US);

Ajit Limaye, Portland, OR (US);

Evelyn Ujanen, San Francisco, CA (US);

Paul Vittimberga, Oakland, CA (US);

Assignee:

Wells Fargo Bank, N.A., San Francisco, CA (US);

Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 40/00 (2023.01); G06Q 40/12 (2023.01); H04L 9/40 (2022.01); H04L 29/06 (2006.01);
U.S. Cl.
CPC ...
G06Q 40/12 (2013.12); H04L 63/10 (2013.01);
Abstract

A mobile device includes a processing circuit and a network interface structured to communicate data over a network. The mobile device generates and transmits a request to register for an alert program to a remote computing system and the mobile device renders a registration interface comprising a prompt asking permission to access user activity information. In response to receiving permission, the mobile device transmits an indication of approval to a remote computing system. After transmitting approval, the mobile device transmits an instance of the user activity information to the remote computing system. In response to sending the instance, the mobile device receives and implements a time-limited budget restriction on a user payment account where the time-limited budget restriction is based at least in part on the instance of the user activity.


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