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.
Claims20
A system for authenticating a mobile computing device and a financial institution system, the system comprising:
- the mobile computing device, wherein the mobile computing is programmed 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 wallet management system, a transaction request message requesting authorization for a transaction on an account of a user of the mobile computing device;
- the transaction request message comprising transaction data describing a transaction amount;
- prompting the user of the mobile computing device;
- by the mobile wallet application, to authorize the transaction;
- responsive to the prompt, receiving user identity data describing the user;
- determining, by the mobile wallet application, that the user identity data matches reference user identity data for the user;
- sending, by the mobile wallet application and to the wallet management system, an authorization message comprising authorization data indicating that the transaction is authorized;
- and
- receiving, by the financial services application, transaction summary data describing the transaction amount.
A method for authenticating a mobile computing device and a financial institution system, the method 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 wallet management system, a transaction request message requesting authorization for a transaction on an account of a user of the mobile computing device, the transaction request message comprising transaction data describing a transaction amount;
- prompting the user of the mobile computing device, by the mobile wallet application, to authorize the transaction;
- responsive to the prompt, receiving user identity data describing the user;
- determining, by the mobile wallet application, that the user identity data matches reference user identity data for the user;
- sending, by the mobile wallet application and to the wallet management system, an authorization message comprising authorization data indicating that the transaction is authorized;
- and
- receiving, by the financial services application, transaction 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 wallet management system, a transaction request message requesting authorization for a transaction on an account of a user of the mobile computing device, the transaction request message comprising transaction data describing a transaction amount;
- prompting the user of the mobile computing device, by the mobile wallet application, to authorize the transaction;
- responsive to the prompt, receiving user identity data describing the user;
- determining, by the mobile wallet application, that the user identity data matches reference user identity data for the user;
- sending, by the mobile wallet application and to the wallet management system, an authorization message comprising authorization data indicating that the transaction is authorized;
- and
- receiving, by the financial services application, transaction summary data describing the transaction amount.
Dependencies are inferred from the claim text.