Card-less financial transaction
AssigneeWells Fargo Bank, N.A.
InventorGlyn Stanley
Life of this patent
Estimating the term…
Abstract
Systems (and corresponding methodologies) that facilitate card-less financial transactions are provided. The innovation enables card-less ATM (automated teller machine) transactions such as cash withdrawals, transfers, balance inquiries, etc. In aspects, customers can set up an ‘electronic wallet’ account based upon a pre-set range or otherwise. Accordingly, access to the ‘electronic wallet’ is granted or denied based upon responses to challenges presented.
Claims20
A system that facilitates a card-less financial transaction, comprising:
- employing a processor that executes computer executable instructions stored on the memory to implement the following components:
- an interface component that facilitates card-less input of a plurality of account credentials;
- and
- an analysis component that evaluates a subset of the account credentials and at least one of approves or denies the card-less financial transaction, wherein the financial transaction is associated with a non-virtual account.
A computer-implemented method of card-less financial transaction, comprising:
- employing a processor that executes computer readable instructions stored on a computer readable storage medium to implement the following acts:
- evaluating a plurality of card-less account credentials based at least in part upon one of type or amount of the card-less financial transaction;
- and
- at least one of permitting or denying the card-less transaction as a function of a result of the evaluation,
- wherein the financial transaction is made with a primary account.
A computer-executable system, comprising:
- employing a processor that executes computer executable instructions stored on a computer readable storage medium to implement the following means:
- means for receiving card-less credentials;
- means for evaluating a subset of the card-less credentials;
- and
- means for granting or denying access to funds in a financial account via a kiosk interface based at least in part upon the evaluation.
Dependencies are inferred from the claim text.