US 12,292,959 B1
Token management systems and methods
Azita Asefi, Vacaville, CA (US); Jinee K. Ellis, San Francisco, CA (US); Alan W. Hecht, Chanhassen, MN (US); Timothy R. Knowlton, Mill Valley, CA (US); Ashish B. Kurani, Hillsborough, CA (US); Steven E. Puffer, Champlin, MN (US); and Young M. Yang, 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 Mar. 21, 2022, as Appl. No. 17/700,009.
Application 17/700,009 is a continuation of application No. 16/723,903, filed on Dec. 20, 2019, granted, now 11,281,765.
Application 16/723,903 is a continuation of application No. 15/380,966, filed on Dec. 15, 2016, granted, now 10,565,364.
Claims priority of provisional application 62/271,850, filed on Dec. 28, 2015.
Int. Cl. G06F 21/45 (2013.01); G06F 21/30 (2013.01); G06F 21/31 (2013.01); G06Q 20/36 (2012.01); G06F 21/10 (2013.01)
CPC G06F 21/45 (2013.01) [G06F 21/30 (2013.01); G06F 21/31 (2013.01); G06Q 20/3672 (2013.01); G06Q 20/3674 (2013.01); G06F 21/1014 (2023.08); G06F 2212/178 (2013.01)] 12 Claims
OG exemplary drawing
 
1. A method of managing tokens, the method comprising:
receiving, by a token management system from a user device, a token command from a user associated with a target token, wherein the target token is associated with a plurality of entities;
determining, by the token management system, that the target token is managed by a first entity of the plurality of entities, wherein each of the plurality of entities is associated with a separate entity computing system that stores at least one token of a plurality of tokens, and wherein each of the plurality of tokens is registered with the token management system and associated with the user;
in response to determining the target token is managed by the first entity, transmitting, by the token management system, the token command to an entity computing system of the first entity; and
receiving and storing, by the token management system, an updated token from the entity computing system of the first entity based on the token command, wherein the token command comprises (a) transferring management of the updated token to a different entity of the plurality of entities relative to the first entity and (b) applying a use rule to the updated token, the use rule comprising a designated time of day or week and at least one of a designated geographic area or a transaction limit for the updated token.