US 12,443,955 B2
Predicting and making payments via preferred payment methods
Millicent Calinog, Park City, UT (US); Patricia Chouanard-Mcadam, Maple Grove, MN (US); Chris Kalaboukis, San Jose, CA (US); Kristine Ing Kushner, Orinda, CA (US); Muhammad Farukh Munir, Pittsburg, CA (US); and Raissa Williams, San Francisco, 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 Jun. 13, 2024, as Appl. No. 18/742,214.
Application 18/742,214 is a continuation of application No. 18/137,691, filed on Apr. 21, 2023, granted, now 12,014,367.
Application 18/137,691 is a continuation of application No. 16/148,555, filed on Oct. 1, 2018, granted, now 11,636,475.
Prior Publication US 2024/0338694 A1, Oct. 10, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 30/00 (2023.01); G06Q 20/10 (2012.01); G06Q 20/36 (2012.01); G06Q 20/40 (2012.01); G06Q 30/0601 (2023.01)
CPC G06Q 20/40 (2013.01) [G06Q 20/102 (2013.01); G06Q 20/3678 (2013.01); G06Q 30/0633 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method performed by one or more processors of a computing system, the method comprising:
predicting a preferred funds transfer method of a payee based on payee data;
generating a token based on the predicted preferred funds transfer method, wherein the token is decodable to identify the predicted preferred funds transfer method and the payee;
providing the token to the payee; and
initiating, in response to receiving an input from the payee indicating an approval associated with the predicted preferred funds transfer method, an electronic funds transfer from a payer to the payee.