US 11,704,666 B1
Systems and methods for authorizing transactions without a payment card present
Wayne Barakat, Novato, CA (US); Ha M. Duong, San Francisco, CA (US); Yvette Hatton, El Cerrito, CA (US); Chris Kalaboukis, San Jose, CA (US); and Marria Rhodriquez, San Francisco, CA (US)
Assigned to Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed by Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed on Jun. 8, 2021, as Appl. No. 17/342,256.
Application 17/342,256 is a continuation of application No. 15/426,268, filed on Feb. 7, 2017, granted, now 11,037,149.
Claims priority of provisional application 62/440,079, filed on Dec. 29, 2016.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/34 (2012.01)
CPC G06Q 20/401 (2013.01) [G06Q 20/40 (2013.01); G06Q 20/409 (2013.01); G06Q 20/40145 (2013.01); G06Q 20/34 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A financial institution computing system comprising:
a customer database configured to store information for a customer, the information comprising habit information of the customer and a customer indicator of the customer; and
a transaction circuit configured to:
receive, from a first point-of-sale (POS) terminal at a first location, a habitual transaction request including the customer indicator, wherein the habitual transaction request is a first type of transaction to be authorized based on the habit information of the customer and the customer indicator;
identify characteristics of the habitual transaction request, wherein the characteristics comprise a first geographic location and at least one of a transaction amount or a type of merchant;
identify, utilizing the customer indicator, the habit information of the customer stored in the customer database;
authenticate the habitual transaction request based on the characteristics of the habitual transaction request conforming with the habit information of the customer;
in response to authenticating the habitual transaction request, authorize the habitual transaction request;
receive, from a second POS terminal at a second location, a non-habitual transaction request including the customer indicator, wherein the non-habitual transaction request is a second type of transaction to be authorized based on the customer indicator with no other information from the customer;
determine that the customer is active, and the customer indicator is approved to conduct a non-habitual transaction based on the habitual transaction request being authenticated using the habit information at the first POS terminal;
authorize the non-habitual transaction request based on the determination that the customer is active, and the customer indicator is approved to conduct the non-habitual transaction based on the habitual transaction request being authenticated using the habit information at the first POS terminal;
transmit a confirmation to the second POS terminal used to initiate the non-habitual transaction request and indicating the non-habitual transaction request was authorized; and
wherein the habitual transaction request and the non-habitual transaction request are both initiated without the customer presenting a payment card or a payment device.