Systems and methods for improved verification of transactions

US12417456B2 · kind B2 · utility

Assignee

• Wells Fargo Bank, N.A. · US

Inventors

• David J. Dietrich · Charlotte, US
• Iris Duncan · Oakton, US
• Bryan Kroll · San Mateo, US
• Paul Ku · San Francisco, US
• Kristine Ing Kushner · Orinda, US
• David G. Lamb · San Francisco, US
• Darrell L. Suen · San Ramon, US

Key dates

• Filing date: Mar 25, 2024
• Grant date: Sep 16, 2025
• Expiry date: Mar 25, 2044

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/4014
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A method includes conserving, responsive to receiving an indication that at least one selectable object is selected, computing resources; receiving a request to set the verification settings for a computing system, the verification settings comprising a threshold transaction amount; determining an alias account number for the transaction account; receiving a transaction request, the transaction request indicating the alias account number and a transaction involving the transaction account; implementing a verification policy based on the verification settings, comprising: determining a predetermined threshold of a monetary amount; determining a first policy monetary amount; comparing the first policy monetary amount to the predetermined threshold; determining that the first policy monetary amount does not meet the predetermined threshold; implementing a sub-policy; and generating and transmitting an electronic message comprising a selectable hyperlink generated for the transaction request; and responsive to determining that the selectable hyperlink was navigated, approving the transaction request.