US 12,282,914 B1
Mobile electronic wallet
Martin Davis, San Francisco, CA (US); and Michael Thomas Duke, 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 May 19, 2022, as Appl. No. 17/749,088.
Application 17/749,088 is a continuation of application No. 15/935,360, filed on Mar. 26, 2018, granted, now 11,341,481.
Application 15/935,360 is a continuation of application No. 14/753,618, filed on Jun. 29, 2015, granted, now 9,928,505.
Application 14/753,618 is a continuation of application No. 11/943,365, filed on Nov. 20, 2007, granted, now 9,098,844.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/00 (2012.01); G06Q 20/36 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/36 (2013.01) [G06Q 20/405 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A system, comprising:
one or more processors coupled to memory, the one or more processors configured to:
receive, from a user device, a request to initiate a transaction using a financial account, the request comprising biometric identification information of a concurrent user of a plurality of concurrent users of the user device, the biometric identification information encrypted by the user device using a first key generated using a first algorithm for the concurrent user, each of the plurality of concurrent users corresponding to a respective access level of a plurality of access levels, wherein each of the plurality of access levels indicate one of read-only access to the financial account or full access to the financial account;
decrypt, using a second key generated using a second algorithm and information associated with the concurrent user, the biometric identification information to identify the respective access level corresponding to the concurrent user of the user device;
determine that the respective access level of the concurrent user indicates the concurrent user is authorized to perform transactions with the financial account; and
initiate the transaction responsive to determining that the respective access level of the concurrent user indicates the concurrent user is authorized to perform transactions with the financial account.