US 12,086,809 B1
Use limitations for secondary users of financial accounts
Bipin Sahni, Pleasanton, CA (US); Uma Meyyappan, Freemont, CA (US); and Stephen M. Ellis, Tahoe City, 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 Sep. 27, 2021, as Appl. No. 17/486,710.
Application 17/486,710 is a continuation of application No. 16/601,238, filed on Oct. 14, 2019, granted, now 11,132,693.
Application 16/601,238 is a continuation of application No. 14/459,559, filed on Aug. 14, 2014, granted, now 10,445,739.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/00 (2012.01); G06Q 20/10 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06Q 40/02 (2023.01)
CPC G06Q 20/405 (2013.01) [G06Q 20/10 (2013.01); G06Q 20/382 (2013.01); G06Q 40/02 (2013.01)] 15 Claims
OG exemplary drawing
 
1. A computer-implemented method, comprising:
receiving, by a processor, from a first instance of a mobile wallet application associated with a primary account holder, a request to add a secondary user to an account;
receiving, by the processor, information relating to the secondary user;
receiving, by the processor, a restriction to define a geographic zone and to define the secondary user's ability to spend funds from the account based on a threshold distance from a second computing device within the geographic zone;
based on the information relating to the secondary user, generating, by the processor, an electronic message comprising a link structured to allow the secondary user to download, at a user computing device, a second instance of the mobile wallet application, wherein the second instance of the mobile wallet application is structured to gather location data from at least one of a Bluetooth device interfacing with the user computing device, a WiFi device interfacing with the user computing device, and an application provided to the user computing device, and wherein the location data is used to allow a transaction based on a determination that the user computing device is within the threshold distance from the second computing device;
based on the information relating to the secondary user, transmitting the electronic message to the user computing device;
processing, by the processor, a purchase request by the secondary user with funds from the account, wherein processing the purchase request includes:
receiving, by the processor and from a merchant computing system, the purchase request, the purchase request including purchase information;
comparing, by the processor, the purchase information with the restriction; and
transmitting, by the processor, a purchase authorization decision based at least in part on the comparison of the purchase information with the restriction.