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US 11,386,480 B1Granted
Product information distribution and confirmation of receipt of same
AssigneeWells Fargo Bank, N.A.
InventorManpreet Singh
Life of this patent
Estimating the term…
Abstract
Systems and methodologies are disclosed that enable the distribution of production information and confirmation of the receipt of such information. The system and methodologies of the innovation require an access code to complete a transaction or application process. Use of the system and methodologies of the innovation enable customers to review accurate product information prior to purchasing a product and also provides greater protections against fraudulent purchases.
Claims16
A product information confirmation system, comprising:
- a processor and computer instructions stored as executable components in a non-volatile memory comprising:
- a product request receiving component that receives a product information request from a user;
- a product information component comprising:
- a rendering component configured to display product information to the user in response to the product information request,
- a verification component that verifies that the product information has been received and understood by the user, wherein the verification component generates at least one interactive question about the product information, and wherein a correct answer submitted by the user to the at least one interactive question verifies that the product information has been understood by the user, and
- a code generating component that generates, upon verification that the product information has been understood by the user, an access code that is unique to the user such that the access code is associated with identifying information of the user and a product corresponding to the product information request;
- a code transmission component that transmits the access code to the user;
- and
- a validation component that validates (i) the identifying information of the user and (ii) the access code as being associated with the identifying information of the user and with the product corresponding to the product information request from the user and authorizes, upon the validation, a transaction to purchase the product or a submission of an application for the product.
6 more elements
A non-transitory computer-readable storage device that stores executable instructions that, in response to execution, causes a system comprising a processor to perform operations, comprising:
- initiating a product information request on behalf of a user;
- displaying product information in response to the product information request;
- generating at least one interactive question about the product information;
- verifying receipt and understanding of the product information by the user, wherein a correct answer submitted by the user to the at least one interactive question verifies that the product information has been understood by the user;
- generating, upon verification that the product information has been understood by the user, an access code that is unique to the user such that the access code is associated with identifying information of the user and a product corresponding to the product information request;
- transmitting the access code to the user;
- and
- validating (i) the identifying information of the user and (ii) the access code as being associated with the identifying information of the user and with the product and authorizing, upon the validation, a transaction to purchase the product or a submission of an application for the product.
5 more elements
A system of verifying a transaction, comprising:
- a processor and computer instructions stored as executable components in a non-volatile memory comprising:
- a component that identifies and requests product information on behalf of a user;
- a component that displays the product information and verifies that the product information has been received by the user;
- a component that generates at least one interactive question about the product information, wherein a correct answer submitted by the user to the at least one interactive question verifies that the product information has been understood by the user;
- a component that generates, upon verification that the product information has been understood by the user, an access code that is unique to the user such that the access code is associated with identifying information of the user and a product corresponding to the product information;
- a component that transmits the access code to the user;
- and
- a component that validates (i) the identifying information of the user and (ii) the access code as being associated with the identifying information of the user and with the product corresponding to the requested production information and authorizes, upon the validation, a transaction to purchase the product or a submission of an application for the product.
5 more elements
Dependencies are inferred from the claim text.