Patent ID: 11935066
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A computer-implemented method, comprising:
receiving, by a token management system of a mobile device, a designation of a single token;
linking, by the token management system of the mobile device, the single token to an online account associated with the single token based on receiving an input from a user to couple the token management system to the online account such that the token management system is configured to receive automatic updates regarding the single token;
generating, by the token management system of the mobile device, a rule that associates the single token with two or more entities;
based on the linking, receiving, by the token management system of the mobile device, an update regarding the online account and (i) deactivating the single token to prevent fund transfers utilizing the single token and (ii) providing an alert regarding the update;
reactivating, by the token management system of the mobile device, the single token based on an input from the user in response to the alert;
receiving, by the token management system of the mobile device, a fund transfer transaction request identifying the single token for a fund transfer;
applying, by the token management system of the mobile device, the rule based on the single token to process the fund transfer; and
after the fund transfer, deleting, by the token management system of the mobile device, the single token based on detecting an expiration designation of the single token by removing the single token from the token management system of the mobile device.