Granted Patent B2

US 12,561,668 · App. 18/907,423 · Granted Feb 24, 2026

Inventors: Michelle B. Techel (San Carlos, CA); Peter Ho (Walnut Creek, CA); Timothy R. Edge (San Francisco, CA); Dorothy M. Scocci (San Ramon, CA); Brenda L. Yost (San Francisco, CA); Kathy Barris Dideum (San Antonio, CA); Cheryl Lynn Wong (Alameda, CA); Khyati Soparkar (San Francisco, CA); Steven E. Puffer (Champlin, MN); Stephanie S. Hellman (Fairfax, CA); Brian M. Pearce (Pleasanton, CA); James D. Crowell (West Des Moines, IA)

Assignee: Wells Fargo Bank, N.A.

G06Q20/34G06F3/0481G06F3/0482G06Q20/349G06Q20/36G06Q20/3672G06Q20/3674G06Q40/02G07F17/3211G07F17/3248

Abstract

Claims (43)

1 . A computing system comprising:

a database configured to store customer account information;

a token database configured to store one or more tokens and token information associated with the one or more tokens; and

one or more processors in communication with a computing device presenting a graphical user interface, the one or more processors configured to, individually or collectively:

cause display, on the graphical user interface of the computing device, a first image, wherein the first image is associated with a payment account, and wherein the first image is stored in association with the customer account information;

receive, via the graphical user interface, instructions to enable or disable a first token of the one or more tokens associated with a corresponding merchant;

update the token database according to the instructions to either enable or disable the first token;

receive, from the computing device, data corresponding to a point of sale device that is proximate to the computing device;

determine, based on the data received from the computing device, one or more characteristics of the point of sale device; and

cause display, on the graphical user interface of the computing device, of a second image selected based on the one or more characteristics of the point of sale device.

2 . The computing system of claim 1 , wherein the second image comprises a notification.

3 . The computing system of claim 2 , wherein the notification indicates at least one of an exceeded spending limit, a due date, or a selectable button.

4 . The computing system of claim 2 , wherein the notification indicates a due date associated with the payment account.

5 . The computing system of claim 1 , wherein the data corresponding to the point of sale device comprises global positioning system (GPS) information of the computing device.

6 . The computing system of claim 1 , wherein the data corresponding to the point of sale device indicates access to a local wireless network associated with the point of sale device.

7 . The computing system of claim 1 , wherein the data corresponding to the point of sale device indicates a transaction using the payment account.

8 . The computing system of claim 1 , wherein the one or more processors are further configured to, individually or collectively:

receive, via the graphical user interface, second instructions to change the customer account information; and

modify, on the graphical user interface, the first image associated with the payment account in response to receiving the second instructions to change the customer account information.

9 . A method for managing payment transactions, the method comprising:

causing display of a first image on a graphical user interface of a computing device, wherein the first image is associated with a payment account, and wherein the first image is stored in association with customer account information in a database;

receiving, via the graphical user interface, instructions to enable or disable a token associated with a corresponding merchant;

updating a token database in which the token is stored according to the instructions to enable or disable the token;

receiving, from the computing device, data corresponding to a point of sale device that is proximate to the computing device;

determining based on the data received from the computing device, one or more characteristics of the point of sale device; and

causing display, on the graphical user interface of the computing device, of a second image selected based on the one or more characteristics of the point of sale device.

10 . The method of claim 9 , wherein the second image comprises a notification.

11 . The method of claim 10 , wherein the notification indicates at least one of an exceeded spending limit, a due date, or a selectable button.

12 . The method of claim 10 , wherein the notification indicates a due date associated with the payment account.

13 . The method of claim 9 , wherein the data corresponding to the point of sale device comprises global positioning system (GPS) information of the computing device.

14 . The method of claim 9 , wherein the data corresponding to the point of sale device indicates access to a local wireless network associated with the point of sale device.

15 . The method of claim 9 , wherein the data corresponding to the point of sale device indicates a transaction using the payment account.

16 . The method of claim 9 , further comprising

receiving, via the graphical user interface, instructions to change the customer account information; and

modifying, on the graphical user interface, the first image associated with the payment account in response to the instructions to change the customer account information.

17 . A non-transitory computer-readable medium with instructions embodied thereon that, when executed by one or more processors, cause the one or more processors to perform operations comprising:

causing display of a first image on a graphical user interface of a computing device, wherein the first image is associated with a payment account, and wherein the first image is stored in association with customer account information in a database;

receiving, via the graphical user interface, instructions to enable or disable a token associated with a corresponding merchant;

updating a token database in which the token is stored according to the instructions to enable or disable the token;

receiving, from the computing device, data corresponding to a point of sale device that is proximate to the computing device;

determining based on the data received from the computing device, one or more characteristics of the point of sale device; and

causing display, on the graphical user interface of the computing device, of a second image selected based on the one or more characteristics of the point of sale device.

18 . The non-transitory computer-readable medium of claim 17 , wherein the second image comprises a notification regarding an intended transaction involving the payment account and the point of sale device.

Continuity (6)

References Cited (400)