Computer implemented systems and non-transitory computer readable media for testing and purchase of goods

US11830048B1 · 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: Oct 28, 2021
• Grant date: Nov 28, 2023
• Expiry date: Oct 28, 2041

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.