Systems and methods for making person-to-person payments via mobile client application

US11775955B1 · kind B1 · utility

Assignee

• Wells Fargo Bank, N.A. · US

Inventors

• Carrie Anne Hanson · Charlotte, US
• Jeff Parker · Fort Mill, US
• Matthew Pearce · Lancaster, US
• Benjamin Soccorsy · Larkspur, US
• Philip Sprague · Matthews, US
• Andrew Struck-Marcell · San Francisco, US
• Shari Van Cleave · San Francisco, US
• William E. Wheeler · San Francisco, US

Key dates

• Filing date: Dec 20, 2019
• Grant date: Oct 3, 2023
• Expiry date: Apr 28, 2042

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04W4/80
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems and methods include a payer user device including a near field communication transceiver configured to facilitate communications with devices within a threshold range from the payer user device, and a digital payment application that detects one or more payee user devices, receives a selection of a payee user device, receives a tokenized identifier that provides a provider computing system information to identify an account associated with a user of the payee user device, and adds the tokenized identifier to a stored list of payees on the payer user device.