	US 12,106,302 B1
	Systems and methods for preferring payments using a social background check
Thomas E. Gross, San Anselmo, CA (US); Kimarie Matthews, San Francisco, CA (US); Darius A. Miranda, San Francisco, CA (US); Matthew P. Schlachtman, San Francisco, CA (US); and Edward P. Scholtens, San Francisco, CA (US)
Assigned to Wells Fargo Bank, N.A.
Filed by Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed on Oct. 28, 2022, as Appl. No. 17/975,976.
Application 17/975,976 is a continuation of application No. 17/243,223, filed on Apr. 28, 2021, granted, now 11,494,770.
Application 17/243,223 is a continuation of application No. 15/392,611, filed on Dec. 28, 2016, granted, now 10,997,595.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06F 16/28 (2019.01); G06Q 50/00 (2024.01)

CPC G06Q 20/4014 (2013.01) [G06F 16/284 (2019.01); G06Q 20/4016 (2013.01); G06Q 50/01 (2013.01)]

20 Claims

20. A non-transitory computer-readable media having computer-executable instructions embodied therein that, when executed by one or more processors of a computing system, cause the one or more processors to perform operations, the operations comprising:

receiving a request for a transaction from a first party to a second party;

determining a relationship measure based on a number of social media interactions between the first party and the second party;

weighting the relationship measure by a factor corresponding to at least one of the social media interactions;

determining an authentication criteria for the transaction according to the weighted relationship measure;

receiving authentication data via one or more sensors of a device from the first party, the authentication data corresponding to the authentication criteria;

authenticating the first party based on the authentication data received via the one or more sensors of the device; and

causing initiation of the transaction from the first party to the second party responsive to authenticating the first party.