# US 10,373,222 B1 · On-demand financial assessment for testing and purchase of goods > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,373,222 B1 - Document ID: US10373222B1 - Status: Granted - Kind: B1 - Application number: 14/629,170 - Filed: 2015-02-23 - Granted: 2019-08-06 - Earliest claimed: 2015-02-23 - Assignees: Wells Fargo Bank, N.A. - Applicants: Wells Fargo Bank, N.A. - Inventors: Bipin M. Sahni; Balinder Mangat; David Hatch - Web page: https://patentgrep.com/patent/US10373222B1 ## CPC - G06Q 30/0609: {Qualifying participants for shopping transactions (payment transaction verification G06Q20/401)} - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## 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. ## Claims ### Claim 1 A computing system comprising: a network interface logic configured to access and exchange data over a network; a customer database comprising personal and financial information associated with a plurality of customers; and an assessment logic configured to: provide a mobile application configured to exchange data from a mobile device and a financial institution computing system; receive, from a customer, a customer request to gain access to an item comprising consumer purchasable property with security measures structured for remote disablement, the customer request being received through the network interface logic; access information in the customer database, the information accessed being information specific to the customer; generate a financial assessment of the customer based on the information in the customer database; transmit the financial assessment through the network interface logic to a transaction logic, the transaction logic being configured to enable a mobile key granting the customer temporary access to the purchasable property based on the transmitted financial assessment; generate a transaction package, the transaction package including one or more payment options for purchasing the purchasable property and payment terms for each of the one or more payment options; and transmit, via the mobile application, the transaction package to the customer, wherein the payment options and payment terms included in the transaction package are based on the financial assessment of the customer; wherein the mobile key is disabled if a selection of a payment option for purchasing the purchasable property included in the transaction package is not received from the customer. ### Claim 2 (depends on 1) The system of claim 1, further comprising a vendor database comprising information relating to a plurality of vendors, including testing approval criteria; and wherein the assessment logic is further configured to incorporate the information in the vendor database in generating the financial assessment. ### Claim 3 (depends on 1) The system of claim 1, wherein the mobile application provided is further configured to exchange data between a mobile device and a computing system associated with a vendor of the testable good. ### Claim 4 (depends on 1) The system of claim 1, wherein the mobile application provided is further configured to cause a mobile device to serve as a mobile key to gain access to the item. ### Claim 5 (depends on 1) The system of claim 1, wherein the mobile application provided is further configured to cause a mobile device to detect and interpret an identifier. ### Claim 6 (depends on 1) The system of claim 1, wherein the mobile application provided is further configured to cause a mobile device to exchange information over a local wireless transmission. ### Claim 7 A computer implemented method of processing customer testing requests and purchases, the method comprising: maintaining, by an assessment logic, a customer database comprising personal and financial information associated with a plurality of customers; providing, by the assessment logic, a mobile application configured to exchange data between a mobile device and a financial institution computing system; receiving, by a network interface logic and from a customer, a customer request to gain access to an item comprising consumer purchasable property with security measures structured for remote disablement; accessing, by the assessment logic, information on the customer database, the information accessed being information specific to the customer; generating, by the assessment logic, a financial assessment of the customer; transmitting, by the network logic, the financial assessment to a transaction logic, the transaction logic being configured to enable a mobile key granting the customer temporary access to the purchasable property based on the transmitted financial assessment; generating, by the assessment logic, a transaction package, the transaction package including one or more payment options for purchasing the purchasable property and payment terms for each of the one or more payment options; and transmitting, via the mobile application, the transaction package to the customer, wherein the payment options and payment terms included in the transaction package are based on the financial assessment of the customer; wherein the mobile key is disabled if a selection of a payment option for purchasing the purchasable property included in the transaction package is not received from the customer. ### Claim 8 (depends on 7) The method of claim 7, further comprising: maintaining, by an assessment logic, a vendor database comprising information relating to a plurality of vendors, including testing approval criteria; accessing, by an assessment logic, the information on the vendor database; and incorporating, by an assessment logic, the information in the vendor database in generating the financial assessment. ### Claim 9 (depends on 7) The method of claim 7, wherein the mobile application provided is further configured to exchange data between a mobile device and a computing system associated with a vendor of the testable good. ### Claim 10 (depends on 7) The method of claim 7, wherein the mobile application provided is further configured to cause a mobile device to serve as a mobile key to gain access to the item. ### Claim 11 (depends on 7) The method of claim 7, wherein the mobile application provided is further configured to cause a mobile device to detect and interpret an identifier. ### Claim 12 (depends on 7) The method of claim 7, wherein the mobile application provided is further configured to cause a mobile device to exchange information over a local wireless transmission. ### Claim 13 A non-transitory computer readable media having computer-executable instructions embodied therein that, when executed by at least one processor of a computing system, cause the computing system to perform operations to process requests received from customer mobile devices, the operations comprising: maintaining a customer database comprising personal and financial information associated with a plurality of customers; providing a mobile application to a customer, the mobile application being configured to exchange data from a mobile device and a financial institution computing system; receiving, from a customer, a customer request to gain access to an item comprising consumer purchasable property with security measures structured for remote disablement, the customer request being received through a network interface logic; accessing information in the customer database, the information accessed being information specific to the customer; generating a financial assessment of the customer based on the information in the customer database; transmitting the financial assessment to a transaction logic, and through the network interface logic, the transaction logic being configured to enable a mobile key granting the customer temporary access to the purchasable property based on the transmitted financial assessment; generating a transaction package, the transaction package including one or more payment options for purchasing the purchasable property and payment terms for each of the one or more payment options; and transmitting, via the mobile application, the transaction package to the customer, wherein the payment options and payment terms included in the transaction package are based on the financial assessment of the customer; wherein the mobile key is disabled if a selection of a payment option for purchasing the purchasable property included in the transaction package is not received from the customer. ### Claim 14 (depends on 13) The media of claim 13, wherein the operations further comprise: maintaining a vendor database comprising information relating to a plurality of vendors, including testing approval criteria; and incorporating the information in the vendor database in generating the financial assessment. ### Claim 15 (depends on 13) The system of claim 13, wherein the mobile application provided is further configured to exchange data between a mobile device and a computing system associated with a vendor of a testable good. ### Claim 16 (depends on 13) The system of claim 13, wherein the mobile application provided is further configured to cause a mobile device to serve as a mobile key to gain access to the item. ### Claim 17 (depends on 13) The system of claim 13, wherein the mobile application provided is further configured to cause a mobile device to detect and interpret an identifier. ### Claim 18 (depends on 13) The system of claim 13, wherein the mobile application provided is further configured to cause a mobile device to exchange information over a local wireless transmission. ### Claim 19 (depends on 1) The system of claim 1, wherein the consumer purchasable property comprises real estate, vehicles, or a combination thereof.