Authentication transaction
AssigneeWells Fargo Bank, N.A.
InventorsTimothy H. Morris, Lynn A. Smith
Life of this patent
Estimating the term…
Abstract
Various examples are directed to systems and methods for authentication transactions. A mobile computing device may send to a financial institution system, an access request message. The mobile computing device may receive from a second server system, a transaction request message requesting authorization for a transaction on an account associated with the mobile computing device, the transaction request including a transaction amount. The mobile computing device may prompt a user of the mobile computing device to authorize the transaction. The mobile computing device may receive, from the financial institution system, summary data describing the transaction amount.
Claims17
A system for authenticating a mobile computing device and a financial institution system, the system comprising:
- the mobile computing device comprising at least one processor and a memory in communication with the at least one processor, wherein the mobile computing device is programed to:
- send an access request message to the financial institution system, the access request message sent by a financial services application executed at the mobile computing device;
- receive, by a mobile wallet application executing at the mobile computing device and from a second server system, a transaction request message requesting authorization for a transaction on an account associated with the mobile computing device, the transaction initiated by the financial institution system, the transaction request message including an indication of a transaction amount and an indication of the financial institution system;
- responsive to the transaction request message, display by the mobile wallet application a prompt to a user of the mobile computing device to authorize the transaction, the prompt comprising an indication of the transaction amount and an indication of the financial institution system;
- receive, by the mobile wallet application and from the user, an authorization for the transaction;
- send, by the mobile wallet application and to the second server system, an authorization message indicating that the transaction is authorized;
- and
- receive, by the financial services application and from the financial institution system, summary data comprising an indication of the transaction amount.
A method comprising:
- sending, by a financial services application executing at a mobile computing device, an access request message to a financial institution system;
- receiving, by a mobile wallet application executing at the mobile computing device and from a second server system;
- a transaction request message requesting authorization for a transaction on an account associated with the mobile computing device, the transaction initiated by the financial institution system, the transaction request message including a transaction amount;
- responsive to the transaction request message, displaying, by the mobile wallet application, a prompt to a user of the mobile computing device to authorize the transaction, the prompt comprising an indication of the transaction amount and an indication of the financial institution system;
- receiving, by the mobile wallet application and from the user, an authorization for the transaction;
- sending, by the mobile wallet application and to the second server system, an authorization message indicating that the transaction is authorized;
- and
- receiving, by the financial services application and from the financial institution system, summary data describing the transaction amount.
A non-transitory machine-readable medium comprising instructions thereon that, when executed by a mobile computing device, cause the mobile computing device to perform operations comprising:
- sending, by a financial services application executing at the mobile computing device, an access request message to a financial institution system;
- receiving, by a mobile wallet application executing at the mobile computing device and from a second server system, a transaction request message requesting authorization for a transaction on an account associated with the mobile computing device, the transaction initiated by the financial institution system, the transaction request message including a transaction amount;
- responsive to the transaction request message, displaying, by the mobile wallet application a prompt to a user of the mobile computing device to authorize the transaction, the prompt comprising an indication of the transaction amount and an indication of the financial institution system;
- receiving, by the mobile wallet application and from the user, an authorization for the transaction;
- sending, by the mobile wallet application and to the second server system, an authorization message indicating that the transaction is authorized;
- and
- receiving, by the financial services application and from the financial institution system, summary data describing the transaction amount.
Dependencies are inferred from the claim text.