US 11,704,729 B1
Break the glass for financial access
Wayne Barakat, Novato, CA (US); Maria M. Benjamin, Oakland, CA (US); Ha M. Duong, San Francisco, CA (US); Laura Marie Fontana, San Francisco, CA (US); Brian Hanafee, Pleasanton, CA (US); Marion M. Hsieh, San Francisco, CA (US); Caroline Machado, Mountain View, CA (US); and Walter Schenk, 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. 3, 2021, as Appl. No. 17/338,154.
Application 17/338,154 is a continuation of application No. 15/390,004, filed on Dec. 23, 2016, granted, now 11,037,231.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/02 (2023.01); G06F 21/45 (2013.01); G06Q 50/18 (2012.01)
CPC G06Q 40/02 (2013.01) [G06F 21/45 (2013.01); G06Q 50/186 (2013.01); G06F 2221/2141 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method for determining an access to a financial account held by a customer of a financial institution, the method comprising:
establishing, by a processor of a financial institution computing system, a communication session with a sensor device of a user device associated with the customer, wherein the financial institution computing system continuously receives sensor data over the communication session from the sensor device;
receiving, by the processor from a point-of-sale (POS) terminal, a payment request;
retrieving, by the processor from the user device via an application programming interface (API), device data comprising at least application data of an application installed on the user device;
receiving, by the processor from the sensor device, the sensor data comprising at least one of geolocation data or biometric data of the sensor device;
determining, by the processor, the customer experienced an adverse event based on the sensor data and the device data;
determining automatically, by the processor, an access level based on information stored in an account database and the adverse event; and
in response to determining the access level, authorizing, by the processor, the payment request utilizing the financial account held by the customer to a designee, wherein the payment request is authorized based on conforming to the access level.