Systems and methods for authentication device-assisted transactions

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United States of America Patent

PATENT NO 11257085
SERIAL NO

15016069

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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Methods and systems of authorizing transaction requests are disclosed. A financial institution computing system includes a network circuit exchanging information over a network, a customer database storing financial and identification code information for a plurality of customers, and a transaction circuit. The transaction circuit receives a transaction request over the network that specifies a financial account and includes a first identification code provided by an authentication device in conjunction with a separate customer computing device. The transaction circuit authenticates the transaction request by determining whether the first identification code is associated with an authorized user of the financial account specified in the transaction request, authorizes the transaction request, and transmits a confirmation to a transaction terminal over the network via the network circuit.

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Patent Owner(s)

  • WELLS FARGO BANK N.A.

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Barkas, Sotirios K San Jose, US 7 18

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