IP Library Granted Patent US 12,609,826
Granted Patent B2
US 12,609,826 · App. 18/436,550 · Granted Apr 21, 2026

Communication validation

Inventor: Sridharan sRee Krishna (Karnataka, IN)
Assignee: Wells Fargo Bank, N.A.
H04L9/3226G06K19/06037
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Quick Facts
Patent No.
US 12,609,826
App. No.
18/436,550
Granted
Apr 21, 2026
Kind
B2
Abstract

An example computer system for authenticating an electronic communication can include: one or more processors; and non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, causes the computer system to create: a notification module programmed to generate a validation code for the electronic communication; and a fraud validation module programmed to accept the validation code and other contextual information associated with the electronic communication to determine an authenticity of the electronic communication.

Claims (48)

1 . A computer system for authenticating an electronic communication, comprising:

one or more processors; and

non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, cause the computer system to:

generate a validation code for the electronic communication;

accept the validation code and other contextual information from a client device associated with the electronic communication to determine an authenticity of the electronic communication;

access, using the validation code, a notification entry associated with the electronic communication stored in a notification database, wherein the notification entry includes contextual information associated with the electronic communication;

compare the contextual information from the client device with the contextual information from the notification entry to identify whether a match occurs;

use artificial intelligence, trained on historical communications that have been determined to be authentic and fraudulent, to calculate a fraud score;

increase the fraud score when the validation code has been previously used; and

determine the authenticity of the electronic communication based upon the fraud score and results of the match.

2 . The computer system of claim 1 , comprising further instructions which, when executed by the one or more processors, cause the computer system to:

encrypt the validation code; and

generate a quick-response code that incorporates the validation code once encrypted.

3 . The computer system of claim 2 , comprising further instructions which, when executed by the one or more processors, causes the computer system to incorporate the quick- response code into the electronic communication.

4 . The computer system of claim 2 , comprising further instructions which, when executed by the one or more processors, causes the computer system to append the validation code to a text message.

5 . The computer system of claim 1 , wherein the electronic communication is an electronic mail or a text message.

6 . The computer system of claim 1 , comprising further instructions which, when executed by the one or more processors, cause the computer system to:

compare the fraud score to a threshold; and

determine the electronic communication is fraudulent when the fraud score exceeds the threshold.

7 . The computer system of claim 1 , comprising further instructions which, when executed by the one or more processors, causes the computer system to:

receive information associated with fraudulent electronic communications; and

identify trends associated with the fraudulent electronic communications.

8 . The computer system of claim 1 , comprising further instructions which, when executed by the one or more processors, cause the computer system to:

manage users who are authorized to access the computer system; and

manipulate thresholds associated with fraud scores.

9 . A method for authenticating an electronic communication, the method comprising:

generating a validation code for the electronic communication;

accepting the validation code and other contextual information from a client device associated with the electronic communication to determine an authenticity of the electronic communication;

accessing, using the validation code, a notification entry associated with the electronic communication stored in a notification database, wherein the notification entry includes contextual information associated with the electronic communication;

comparing the contextual information from the client device with the contextual information from the notification entry to identify whether a match occurs;

using artificial intelligence, trained on historical communications that have been determined to be authentic and fraudulent, to calculate a fraud score;

increasing the fraud score when the validation code has been previously used; and

determining the authenticity of the electronic communication based upon the fraud score and results of the match.

10 . The method of claim 9 , further comprising:

encrypting the validation code; and

generating a quick-response code that incorporates the validation code once encrypted.

11 . The method of claim 10 , further comprising incorporating the quick-response code into the electronic communication.

12 . The method of claim 10 , further comprising appending the validation code to a text message.

13 . The method of claim 9 , wherein the electronic communication is an electronic mail or a text message.

14 . The method of claim 9 , further comprising:

comparing the fraud score to a threshold; and

determining the electronic communication is fraudulent when the fraud score exceeds the threshold.

15 . The method of claim 9 , further comprising:

receiving information associated with fraudulent electronic communications; and

identifying trends associated with the fraudulent electronic communications.

16 . The method of claim 9 , further comprising:

managing users who are authorized to access the method; and

manipulating thresholds associated with fraud scores.

Assignments (2)
STATEMENT OF CHANGE OF ADDRESS OF ASSIGNEE Recorded Jun 17, 2025
From: WELLS FARGO BANK, N.A.
To: WELLS FARGO BANK, N.A.
Reel/Frame 071644/0971 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Apr 18, 2024
From: SREE KRISHNA, SRIDHARAN
To: WELLS FARGO BANK, N.A.
Reel/Frame 067156/0155 →
Continuity (1)
Related Publication 20250260578A1 · Aug 14, 2025
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