US 12,079,802 B1
Mobile wallet account balance systems and methods
Ashish Bhoopen Kurani, Burlingame, 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. 28, 2022, as Appl. No. 17/706,460.
Application 17/706,460 is a continuation of application No. 14/553,756, filed on Nov. 25, 2014, granted, now 11,288,660.
Application 14/553,756 is a continuation in part of application No. 14/501,880, filed on Sep. 30, 2014, granted, now 11,295,294.
Application 14/501,880 is a continuation in part of application No. 14/266,580, filed on Apr. 30, 2014, granted, now 9,652,770.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/36 (2012.01); G06Q 20/32 (2012.01)
CPC G06Q 20/367 (2013.01) [G06Q 20/3221 (2013.01); G06Q 20/3223 (2013.01)] 15 Claims
OG exemplary drawing
 
1. A computer-implemented method, comprising:
acquiring, by a computer system, account balance information from a database of a financial institution computing system for a first account of a user at a financial institution associated with the financial institution computing system;
generating, by the computer system, a first screen display showing the account balance information for the first account;
providing, by the computer system, the first screen display to a mobile device of the user;
receiving, by the computer system, a request for a mobile wallet transaction, the mobile wallet transaction transferring funds to a recipient;
receiving, by the computer system via the mobile device, a user-defined threshold minimum value for an account balance in the first account;
determining, by the computer system, that the mobile wallet transaction causes the account balance in the first account to decrease below the user-defined threshold minimum value;
responsive to the determination by the computer system that the mobile wallet transaction causes the account balance to decrease below the user-defined threshold minimum value, generating, by the computer system, a second screen display including a link associated with a second account of the user;
providing, by the computer system, the second screen display to the mobile device of the user;
receiving, by the computer system via the mobile device, a selection of the link associated with the second account of the user;
tokenizing, by the computer system, an account number of the second account;
generating, by the computer system, an optical code associated with the second account, the optical code incorporating the tokenized account number of the second account; and
transmitting, by the computer system, the optical code to the mobile device for the mobile wallet transaction.