Granted Patent B2

US 12,579,535 · App. 18/830,230 · Granted Mar 17, 2026

Inventors: Young M. Yang (San Francisco, CA); Kelly Q. Zeichick (San Francisco, CA)

Assignee: Wells Fargo Bank, N.A.

G06Q20/3278G06Q20/1085G06Q20/40145

Abstract

Claims (38)

1 . A method, comprising:

transmitting, by a user device, a request to a user-interactive device via a first short-range wireless communication;

automatically launching a mobile application on the user device based on the request;

transmitting, by the user device, a first encrypted data payload including a first decryption key for decrypting the first encrypted data payload to the user-interactive device via a second short-range wireless communication according to the request;

receiving, by the user device, a second request from the user-interactive device via the second short-range wireless communication; and

transmitting, by the user device, a second encrypted data payload including a second decryption key for decrypting the second encrypted data payload to the user-interactive device via a third short-range wireless communication.

2 . The method of claim 1 , wherein receiving the second request from the user-interactive device via the second short-range wireless communication includes generating, by the mobile application, a graphical user interface on the user device including at least one fillable field, wherein the at least one fillable field includes an amount field and a designated account for a transaction.

3 . The method of claim 1 , further comprising:

generating, by the mobile application via the user device, a graphical user interface containing an icon for confirming a transaction involving the user device and the user-interactive device.

4 . The method of claim 1 , wherein the request is encrypted, and wherein the method further includes transmitting, by the mobile application via the user device, a decryption key to the user-interactive device as part of the request for decrypting the request.

5 . The method of claim 1 , wherein the request includes a payment token associated with an account of a user.

6 . The method of claim 1 , wherein the first short-range wireless communication, the second short-range wireless communication, and third short-range wireless communication occur via a first wireless communication protocol.

7 . The method of claim 1 , further comprising receiving, by the mobile application via the user device, a confirmation of a successful completion of a transaction involving the user device and the user-interactive device.

8 . The method of claim 1 , wherein the first encrypted data payload includes at least one of a password, a passcode, or a biometric credential.

9 . The method of claim 1 , wherein the first short-range wireless communication, the second short-range wireless communication, and third short-range wireless communication are near-field communication (NFC) wireless transmissions.

10 . A method, comprising:

receiving, by a mobile application of a user device, a request for a transaction including an indication of a transaction option;

generating, by the mobile application, an authentication approval value based on a verified authentication credential of a user; and

transmitting, by the mobile application via the user device, a data payload to a user-interactive device via a wireless communication, wherein the data payload is encrypted and comprises a decryption key for decrypting the data payload, the transaction option, and the authentication approval value.

11 . The method of claim 10 , wherein the authentication approval value is based on an authentication credential received by the mobile application, and wherein the authentication credential is verified by the mobile application.

12 . The method of claim 11 , wherein the authentication credential includes at least one of a password, a passcode, or a biometric credential.

13 . The method of claim 10 , wherein the data payload is transmitted via a near-field communication (NFC) wireless transmission protocol.

14 . The method of claim 10 , wherein the data payload includes a token regarding an account of the user, the token including a tokenized account number of the account of the user.

15 . A user device, comprising:

a network circuit structured to exchange data with a computing system;

an input/output device structured to exchange data with a user;

a processor; and

a memory configured to store program instructions of a client application that are executable by the processor to cause operations including:

transmitting a request to a user-interactive device via a first short-range wireless communication;

automatically launching the client application on the user device based on a request;

transmitting a first encrypted data payload including a first decryption key for decrypting the first encrypted data payload to the user-interactive device via a second short-range communication according to the request; and

transmitting a second encrypted data payload including a second decryption key for decrypting the second encrypted data payload to the user-interactive device via a third short-range communication.

16 . The user device of claim 15 , wherein the operations further include:

receiving a second request from the user-interactive device via the second short-range communication.

17 . The user device of claim 15 , wherein the second encrypted data payload comprises a designated transaction type and a transaction configuration option, the operations further comprising:

receiving an authorization from the computing system for executing a transaction according to the designated transaction type and the transaction configuration option.

18 . The user device of claim 17 , wherein the authorization is based on a location of the user device being within a predefined geo-fenced area, and wherein the first short-range wireless communication, the second short-range communication, and third short-range communication occur via a first wireless communication protocol.

19 . The user device of claim 17 , wherein the user device is configured to transmit information to the user-interactive device via the client application.

Assignments (1)

Continuity (4)

References Cited (26)