US 12,294,588 B1
Systems and methods for processing third-party communications
John Chuprevich, Davidson, NC (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. 5, 2023, as Appl. No. 18/150,388.
Int. Cl. H04L 9/40 (2022.01); H04L 51/046 (2022.01)
CPC H04L 63/126 (2013.01) [H04L 51/046 (2013.01); H04L 63/123 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, by communications hardware, a data packet comprising an electronic message to be transmitted to a target electronic device, wherein the electronic message is at least one of an email or text message indicating a first entity;
determining, by a verification engine, that the electronic message is legitimate, at least in part, by:
determining an assigned messaging time associated with the first entity, and
verifying that a time of the electronic message is within the assigned messaging time;
generating, by a badge generation engine, a verified electronic message by appending a verification badge to the electronic message;
transmitting, by an in-app messaging engine and via a secured in-app messaging channel, the verified electronic message to the target electronic device to be displayed on a screen of the target electronic device via an application executing on the target electronic device;
receiving, by the communications hardware, a second data packet comprising a second electronic message to be transmitted to the target electronic device, wherein the second electronic message is at least one of an email or text message indicating the first entity;
determining, by the verification engine, that the second electronic message is illegitimate, at least in part, by:
determining the assigned messaging time associated with the first entity, and
verifying that a time of the second electronic message is outside of the assigned messaging time;
transmitting, by the verification engine, an additional verification request to a source electronic device that transmitted the second electronic message; and
deleting, by the verification engine and based on determining that the second electronic message is illegitimate, the second electronic message.