US 12,147,974 B2
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 May 8, 2023, as Appl. No. 18/144,664.
Application 18/144,664 is a division of application No. 16/222,526, filed on Dec. 17, 2018, granted, now 11,645,647.
Application 16/222,526 is a division 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.
Prior Publication US 2023/0274261 A1, Aug. 31, 2023
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:
receiving, by a computer system and via a mobile device, an indication from a user to perform a transaction to transfer funds to a recipient;
selecting, by the computer system, a default payment account of a plurality of accounts of the user based on a user preference received from the user;
determining, by the computer system, rewards available to the user based on the selected default payment account;
generating, by the computer system, an option for the user to redeem the rewards available for a virtual gift card;
receiving, by the computer system, an indication to redeem the rewards available for the virtual gift card;
updating, by the computer system and based on the indication, the default payment account to the virtual gift card; and
transmitting, by the computer system, the funds to the recipient responsive to updating the default payment account.