US 12,229,824 B2
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. 7, 2023, as Appl. No. 18/206,676.
Application 18/206,676 is a continuation of application No. 17/338,154, filed on Jun. 3, 2021, granted, now 11,704,729.
Application 17/338,154 is a continuation of application No. 15/390,004, filed on Dec. 23, 2016, granted, now 11,037,231.
Prior Publication US 2023/0316391 A1, Oct. 5, 2023
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)] 16 Claims
OG exemplary drawing
 
8. A method, comprising:
monitoring, by at least one processing circuit, one or more sensor outputs of a sensor device of a user device corresponding to a well-being of a customer, wherein the at least one processing circuit receives sensor data from the sensor device, and wherein the well-being of the customer is monitored to identify an occurrence of an adverse event, wherein the sensor device is at least one a wearable sensor, an implantable sensor, or a biometric sensor for monitoring the well-being of the customer;
determining, by the at least one processing circuit, the customer experienced the adverse event based on the one or more sensor outputs;
determining, by the at least one processing circuit, an access level of a designee based on information stored in an account database and the adverse event experienced by the customer;
authorizing, by the at least one processing circuit, a designee device of the designee comprising the access level for at least one future payment request;
transmitting, by the at least one processing circuit, an alert message corresponding to the authorization of the designee device for the access level;
processing, by the at least one processing circuit, the at least one future payment request to the designee; and
in response to receiving an input from the user device, withdrawing, by the at least one processing circuit, the access level of the designee.