US 12,086,790 B1
System and method for a mobile wallet
Stephen M. Ellis, Tahoe City, CA (US); Michael J. Kennedy, San Francisco, CA (US); Ashish Bhoopen Kurani, Burlingame, CA (US); Melissa Lowry, San Francisco, CA (US); Uma Meyyappan, Fremont, CA (US); Bipin Sahni, Pleasanton, CA (US); and Nikolai Stroke, Gilbert, AZ (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 Sep. 4, 2021, as Appl. No. 17/467,183.
Application 17/467,183 is a continuation of application No. 16/105,676, filed on Aug. 20, 2018, granted, now 11,113,686.
Application 16/105,676 is a continuation of application No. 15/094,938, filed on Apr. 8, 2016, granted, now 10,062,076.
Application 15/094,938 is a continuation of application No. 14/133,276, filed on Dec. 18, 2013, granted, now 9,311,654.
Application 14/133,276 is a continuation of application No. 13/456,073, filed on Apr. 25, 2012, granted, now 8,639,621.
Int. Cl. G06Q 20/36 (2012.01); G06Q 20/32 (2012.01); G06Q 30/0251 (2023.01); G06Q 30/0601 (2023.01); G06Q 40/00 (2023.01)
CPC G06Q 20/36 (2013.01) [G06Q 20/3224 (2013.01); G06Q 30/0255 (2013.01); G06Q 30/0261 (2013.01); G06Q 30/0267 (2013.01); G06Q 30/0623 (2013.01); G06Q 30/0639 (2013.01); G06Q 30/0641 (2013.01); G06Q 40/00 (2013.01)] 6 Claims
OG exemplary drawing
 
1. A computer-implemented method, comprising:
receiving a request for a financial transaction between a mobile wallet of a user and a merchant;
determining a geographic location of one of a mobile device of the user or the merchant;
generating a displayable and scannable transaction code, the transaction code embedding a transaction identification number unique to the financial transaction and the geographic location of one of the mobile device or the merchant;
sending the transaction code to one of the mobile device or the merchant for the other of the mobile device and the merchant to scan to request a transfer of funds from the mobile wallet of the user to the merchant;
receiving a transfer request to transfer funds from the mobile wallet of the user to the merchant, the transfer request including the transaction code and information related to a desired transaction amount for transferring to the merchant;
generating a verification request to confirm the information related to the desired transaction amount included in the transfer request;
receiving a verification response confirming the information related to the desired transaction amount included in the transfer request; and
transferring funds in the amount of the desired transaction amount to the merchant upon receiving the verification response.