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:
Apr. 07, 2026
Filed:
Jul. 12, 2024
Wells Fargo Bank, N.a., San Francisco, CA (US);
Misung Kim, San Francisco, CA (US);
Jenny Y. Tao, Philadelphia, PA (US);
Prafullata Diwate, San Francisco, CA (US);
Jennifer A. Fisher, Belmont, CA (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
Systems, apparatuses, methods and computer program products are disclosed for using a mobile driver's license (mDL) to enhance insurance data exchange for an insurance event. An example method includes transmitting an identity verification request to a user device. The example method further includes receiving, from the user device, an identity verification response comprising a mDL. The example method further includes verifying, based on the identity verification response, authenticity of the mDL. The example method further includes, generating, using a risk determination model, a secondary verification protocol. The example method further includes, verifying, using the secondary verification protocol, user identity. The example method further includes identifying an insurance entity associated with the mDL. The example method further includes transmitting to the insurance entity, an insurance data request. The example method further includes receiving, by a provider device, and in response to the insurance data request, insurance data associated with the user.