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:
Mar. 10, 2026
Filed:
Oct. 30, 2023
Wells Fargo Bank N.a., San Francisco, CA (US);
Brent Teitel, San Francisco, CA (US);
Michelle E. Ziolkowski, San Francisco, CA (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
A method includes determining a payment amount based in response to receiving a transaction request; providing transaction data to a user device in response to initiating a transaction with a user device, the transaction data including the payment amount; receiving user data from the user device, the user data including a request to provide funds via a payment rail and account information identifying a first institution associated with the user device; and receiving a funds received confirmation from a second institution computing system. The funds received confirmation is provided to the terminal device in response to a fund transfer corresponding with the payment amount being received by the second institution computing system from a payment rail. The payment rail receives the fund transfer from the first institution computing system in response to the transaction data being provided to the first institution computing system from the user device.