Patent Application for Secure Server-to-Device Data Exchange

ChangeBridge: Patent Apps - Business Methods (G06Q)

Published December 2nd, 2025

Detected March 26th, 2026

Summary

The USPTO has published a patent application (US20260087490A1) filed by Wells Fargo Bank, N.A. for a system and method for server-to-device secure data exchange using a device access token. The application details a process for verifying transaction requests and generating electronic messages based on account information.

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What changed

This document is a publication of a patent application, US20260087490A1, filed by Wells Fargo Bank, N.A. The application describes systems and methods for secure server-to-device data exchange transactions utilizing a device access token. Key components include receiving a transaction request with a device identifier and provider system identifier, transmitting this to a computing system for account determination and verification against account restrictions, and generating an electronic message based on the verified request.

As this is a patent application, it does not impose immediate regulatory obligations or compliance deadlines on regulated entities. However, it signals potential future technological developments in secure data exchange and financial transactions. Compliance officers in the financial and technology sectors should be aware of this application as it may influence future product development and security protocols in areas such as fintech and data privacy.

Source document (simplified)

← 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.