Computer-based system for determining dynamic financial transaction parameters

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United States of America Patent

PATENT NO 11568419
SERIAL NO

17125478

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Abstract

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An example method includes receiving information related to a transaction with a financial account initiated by a customer at a financial terminal, the financial account including a transaction limit. Based on the information related to the transaction exceeding the transaction limit for the financial account, the method includes identifying a mobile device associated with the financial account and receiving location information of the mobile device via one or both of a passive location response or an active location response. Based on the location information of the mobile device, the method includes determining that the mobile device is located within a predetermined distance from a location of the financial terminal and temporarily changing the transaction limit for the financial account by a variable amount based on whether the location information of the mobile device was received via the one or both of the passive or the active location response.

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Patent Owner(s)

  • WELLS FARGO BANK, N.A.

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Bui, Fairy Berkeley, US 1 0
Goetz, Darren Michael Salinas, US 3 1
Huang, Jason San Francisco, US 59 498
Montenegro, Dennis Emmanuel Concord, US 10 49
Sipanya, Christopher San Jose, US 3 0
Van, Cleave Shari San Francisco, US 3 1
Vltavsky, Dominik Belmont, US 33 187

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