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. 20, 2026
Filed:
May. 23, 2022
Wells Fargo Bank, N.a., San Francisco, CA (US);
Brian M. Pearce, Pleasanton, CA (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
A method of authenticating a transaction includes receiving, by a computing system, an authentication request regarding the transaction. The authentication request can include a code from a user device of a user and payment information. The code can include a cryptogram provided to the user device from a smart card via a first communication. The payment information can be provided to the user device via a second communication. The method further includes authenticating the transaction by decoding the code to reveal user information and the cryptogram; validating the cryptogram; and verifying that the payment information at least partially matches information regarding the user stored in a database. The method still further includes transmitting, based on authenticating the transaction, an authentication approval for the transaction.