Systems and methods for enhancing insurance operations using mobile driver's license

ChangeBridge: Patent Grants - Business Methods (G06Q)

Published April 7th, 2026

Detected April 7th, 2026

Summary

The USPTO granted patent US12597075B2 to Wells Fargo Bank, N.A. covering systems and methods for using mobile driver's licenses (mDL) to enhance insurance data exchange. The invention enables identity verification via mDL, secondary verification using risk determination models, and automated data retrieval from insurance entities. The patent contains 17 claims and was filed on July 12, 2024.

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What changed

USPTO granted patent US12597075B2 to Wells Fargo Bank, N.A. for systems and methods enhancing insurance operations through mobile driver's license verification. The patent covers transmitting identity verification requests to user devices, receiving mDL-based responses, verifying authenticity, generating secondary verification protocols via risk determination models, identifying associated insurance entities, and retrieving insurance data. The technology enables financial institutions to streamline insurance-related verification and data exchange processes.

For affected parties in banking and financial services, this patent establishes intellectual property rights that may influence future product development in mobile identity verification for insurance contexts. Banks and financial advisers should monitor patent landscapes for mobile ID verification technologies as they relate to insurance data exchange capabilities. The grant date of April 7, 2026, marks the completion of the IP protection process for this Wells Fargo innovation.

Source document (simplified)

← USPTO Patent Grants

Systems and methods for enhancing insurance operations using a mobile driver's license

Grant US12597075B2 Kind: B2 Apr 07, 2026

Assignee

Wells Fargo Bank, N.A.

Inventors

Misung Kim, Jenny Y. Tao, Prafullata Diwate, Jennifer A. Fisher

Abstract

Systems, apparatuses, methods and computer program products are disclosed for using a mobile driver's license (mDL) to enhance insurance data exchange for an insurance event. An example method includes transmitting an identity verification request to a user device. The example method further includes receiving, from the user device, an identity verification response comprising a mDL. The example method further includes verifying, based on the identity verification response, authenticity of the mDL. The example method further includes, generating, using a risk determination model, a secondary verification protocol. The example method further includes, verifying, using the secondary verification protocol, user identity. The example method further includes identifying an insurance entity associated with the mDL. The example method further includes transmitting to the insurance entity, an insurance data request. The example method further includes receiving, by a provider device, and in response to the insurance data request, insurance data associated with the user.