US 11,941,628 B1
Systems and methods for improved verification of transactions
David Dietrich, Charlotte, NC (US); Iris Duncan, Oakton, VA (US); Bryan Kroll, San Mateo, CA (US); Paul Ku, San Francisco, CA (US); Kristine Ing Kushner, Orinda, CA (US); David G. Lamb, Alameda, CA (US); and Darrell L. Suen, San Ramon, 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 Feb. 27, 2023, as Appl. No. 18/114,669.
Application 18/114,669 is a continuation of application No. 16/010,302, filed on Jun. 15, 2018, granted, now 11,593,801.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/32 (2012.01)
CPC G06Q 20/401 (2013.01) [G06Q 20/3255 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method for implementing transactions, comprising:
conserving, by a computing system structured to maintain a transaction account and responsive to receiving an indication that at least one selectable object corresponding to verification settings is selected, computing resources by omitting at least one computing operation;
receiving, by the computing system, from a client device, and via a network, a request to set the verification settings for a payment aggregator computing system, wherein the request comprises account information and the verification settings comprise a threshold transaction amount and communication preferences;
determining, by the computing system, an alias account number for the transaction account based on the account information;
transmitting, by the computing system and via the network, a request to the payment aggregator computing system to store the alias account number instead of the account information;
receiving, by the computing system and via the network, a transaction request from the payment aggregator computing system, the transaction request indicating the alias account number and specifying a transaction involving the transaction account;
implementing, by the computing system, a verification policy comprising a first sub-policy and a second sub-policy, based on the verification settings corresponding to the alias account number and the threshold transaction amount, comprising:
determining, by the computing system, a predetermined threshold of a monetary amount;
determining, by the computing system, a first sub-policy monetary amount;
comparing, by the computing system, the first sub-policy monetary amount to the predetermined threshold;
determining, by the computing system, that the first sub-policy monetary amount does not meet the predetermined threshold;
implementing, by the computing system, the second sub-policy; and
generating and transmitting, by the computing system and via the network, to an accountholder device determined via the communication preferences, an electronic message comprising a selectable hyperlink generated for the transaction request; and
responsive to determining that the selectable hyperlink was navigated, approving, by the computing system, the transaction request.