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:
Oct. 14, 2025
Filed:
Jun. 13, 2024
Applicant:
Wells Fargo Bank, N.a., San Francisco, CA (US);
Inventors:
Millicent Calinog, Park City, UT (US);
Patricia Chouanard-Mcadam, Maple Grove, MN (US);
Chris Kalaboukis, San Jose, CA (US);
Kristine Ing Kushner, Orinda, CA (US);
Muhammad Farukh Munir, Pittsburg, CA (US);
Raissa Williams, San Francisco, CA (US);
Assignee:
Wells Fargo Bank, N.A., San Francisco, CA (US);
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 30/00 (2023.01); G06Q 20/10 (2012.01); G06Q 20/36 (2012.01); G06Q 20/40 (2012.01); G06Q 30/0601 (2023.01);
U.S. Cl.
CPC ...
G06Q 20/40 (2013.01); G06Q 20/102 (2013.01); G06Q 20/3678 (2013.01); G06Q 30/0633 (2013.01);
Abstract
A method comprises predicting a preferred funds transfer method of a payee based on payee data, generating a token based on the predicted preferred funds transfer method where the token is decodable to identify the predicted preferred funds transfer method and the payee, and initiating, in response to an input from the payee, an electronic funds transfer from a payer to the payee.