US 12,079,803 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 Aug. 22, 2022, as Appl. No. 17/893,098.
Application 17/893,098 is a continuation of application No. 16/224,462, filed on Dec. 18, 2018, granted, now 11,423,393.
Application 16/224,462 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)] 20 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 plurality of accounts of a user at a financial institution associated with the financial institution computing system, the plurality of accounts including a first account and an alternative account;
generating, by the computer system, a first screen display for display on a mobile device of the user;
receiving, by the computer system via the first screen display, a user-defined threshold value corresponding to a minimum value of the first account and a user preference;
receiving, by the computer system, an indication from the user regarding a transaction to transfer funds to a recipient;
selecting, by the computer system based on the user preference, the first account for the transaction;
determining, by the computer system, that the transaction causes a value of the first account to decrease below the user-defined threshold value corresponding to the minimum value of the first account;
based on the determination by the computer system that the transaction causes the value to decrease below the user-defined threshold value corresponding to the minimum value of the first account, generating, by the computer system, a second screen display including a link associated with the alternative account and account balance information regarding the alternative account;
providing, by the computer system, the second screen display to the mobile device of the user;
receiving, by the computer system, a selection of the link associated with the alternative account;
based on receiving the selection of the link associated with the alternative account, transferring, by the computer system, funds from the selected alternative account to the first account;
based on the transfer of the funds from the selected alternative account to the first account, transmitting, by the computer system, the funds to the recipient; and
updating, by the computer system, the account balance information for the first account and the selected alternative account in the database of the financial institution computing system responsive to transmission of the funds to the recipient.