US 12,293,371 B2
Systems and methods for authentication based on personal network
Tiffany N. Twilley, Foster City, CA (US); Michael Tilaro, San Francisco, CA (US); Jonathan E. Hoveland, Charlotte, NC (US); Sara V. Althoff, Apple Valley, MN (US); and Jay M. Bozicevich, Golden Valley, MN (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 Jan. 8, 2024, as Appl. No. 18/407,192.
Application 18/407,192 is a continuation of application No. 18/079,215, filed on Dec. 12, 2022, granted, now 11,869,010.
Application 18/079,215 is a continuation of application No. 17/220,059, filed on Apr. 1, 2021, granted, now 11,526,890.
Application 17/220,059 is a continuation of application No. 15/013,397, filed on Feb. 2, 2016, granted, now 10,977,652.
Prior Publication US 2024/0144283 A1, May 2, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/36 (2012.01); G06Q 20/42 (2012.01)
CPC G06Q 20/4016 (2013.01) [G06Q 20/36 (2013.01); G06Q 20/409 (2013.01); G06Q 20/42 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computing system comprising a processor and a network circuit, configured to:
receive, over the internet, a request for authorization of a transaction between a mobile application running on a mobile device and a transaction terminal involving a financial account;
determine, in response to receiving the request for authorization, that a physical card being within a range is required to authorize the transaction;
in response to determining that the physical card being within the range is required to authorize the transaction, transmit, over the internet via the network circuit, a request to determine whether the physical card is within the range to the mobile device, to cause the mobile device to:
communicate, via a personal area network created by the mobile device, using a short range wireless communication protocol and a wireless transceiver of the mobile device, to detect that a physical card that corresponds to the financial account is physically located within range of the short range wireless transceiver, the physical card having a microchip;
receive, over the internet from the mobile device, responsive to causing the mobile device to communicate with the microchip of the physical card, an indication of whether the physical card corresponding to the financial account is within range of the short range wireless transceiver; and
transmit, over the internet, authorization for the transaction to the transaction terminal when the microchip of the physical card corresponding to the financial account is within the range of the short range wireless transceiver of the mobile device, and otherwise deny the transaction.