Systems and Methods for Generating, Providing, and Managing Custom Notifications
Summary
The USPTO granted patent US12597028B2 to Wells Fargo Bank, N.A. on April 7, 2026, covering computer-implemented methods for generating and managing custom notifications based on account activity and user preferences. The patent protects a system that receives activity requests, applies notification policies based on user settings, retrieves contact addresses, and transmits tailored notifications to users. The patent contains 20 claims in the G06Q20 business methods classification.
What changed
The USPTO issued a patent grant to Wells Fargo Bank for a computer-implemented method involving account activity notification generation and management. The system receives activity requests associated with provider institution accounts, determines notification policies based on account user settings, retrieves contact addresses, and transmits custom notifications to user devices. Financial institutions and technology companies offering banking services should monitor this development as it may influence how financial services implement notification systems and could have implications for patent strategy or potential licensing considerations in the fintech space.
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Archived snapshot
Apr 7, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
Systems and methods for generating, providing, and managing custom notifications
Grant US12597028B2 Kind: B2 Apr 07, 2026
Assignee
Wells Fargo Bank, N.A.
Inventors
Young M. Yang, Jenny Yee Tao, Eric J. Miller
Abstract
A computer-implemented method includes: receiving, by a computing system, from a first device, a request to perform an activity associated with an account of a plurality of accounts of a provider institution; determining, by the computing system, based on the activity, a notification policy based on a notification setting of the account associated with a user; transmitting, by the computing system, a request for information regarding the activity to the first device; receiving, by the computing system, information regarding the activity from the first device; generating, by the computing system, a data payload comprising the received information regarding the activity and initial information associated with the request to perform the activity; retrieving, by the computing system, an address associated with the account; and providing, by the computing system, a notification comprising information from the data payload to a second device associated with the user based on the retrieved address.
CPC Classifications
G06Q 20/00-425
Filing Date
2023-07-11
Application No.
18220687
Claims
20
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