← USPTO Patent Applications

SERVER-TO-DEVICE SECURE DATA EXCHANGE TRANSACTIONS

Application US20260087490A1 Kind: A1 Mar 26, 2026

Assignee

Wells Fargo Bank, N.A.

Inventors

Anthony Burton, Benjamin Soccorsy, Jim Stahley, Valeria Jones

Abstract

Various embodiments described herein relate to systems, methods, and non-transitory computer-readable media structured to perform server-to-device secure data exchange using a device access token. A computing device can receive, from a native application, a transaction request associated with a device access token including a device identifier and a provider system identifier. The computing device can transmit the token and request to a computing system, which determines an account based on the provider identifier, verifies the request does not violate an account restriction, and generates an electronic message based on the account. The computing device can receive the electronic message from the computing system and provide a response to the transaction request to the native application based on the electronic message.

CPC Classifications

G06Q 20/38215 G06F 21/44 G06Q 20/36 G06Q 20/401 H04L 67/133

Filing Date

2025-12-02

Application No.

19406911