Computer implemented method and systems for testing and purchase of goods

US11170418B1 · kind B1 · utility

Assignee

• Wells Fargo Bank, N.A. · US

Inventors

• Bipin Sahni · Pleasanton, US
• Balinder Mangat · Castro Valley, US
• David Hatch · Daly City, US

Key dates

• Filing date: Aug 2, 2019
• Grant date: Nov 9, 2021
• Expiry date: Oct 9, 2039

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/02
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems and methods for processing customer requests to access purchasable items using financial assessments are described. A customer using a mobile device can identify a good of interest and transmit a request to access and test it. A financial institution computing system with a database of customer financial information can generate a financial assessment of the customer and the customer's identified good, which can then be used to determine whether the customer's request should be granted.