Patent ID: 11968216
Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Field: Digital communication (Electrical engineering)
Classification: CPC H  G | IPC G  H

Claim 0:
1. A mobile computing device configured to:
receive a delegate enrollment initiation input from a primary user associated with the mobile computing device, the delegate enrollment initiation input including data descriptive of a intention by the primary user to enroll a new delegate for approving transactions that access funds held in a bank account that is associated with a secondary user;
display on a screen associated with the mobile computing device one or more delegate information prompts;
receive a new delegate information input, the new delegate information input including a phone number associated with the new delegate;
generate a message for the new delegate and display the message on the screen associated with the mobile computing device, wherein the message includes:
a name of the user;
an authentication token; and
an authenticating web address;

send the generated message to the new delegate using a messaging service;
enroll the new delegate so that the new delegate can manage access to funds held in the bank account associated with the secondary user;
determine a relational depth for the new delegate, the relational depth being a measure of interpersonal relationship distance between either the primary account holder or the secondary user and the new delegate; and
suggesting that the primary user add at least one additional delegate based on the relational depth of the new delegate; thereby improving a probability that the transaction will be approved if the new delegate is unavailable and the transaction must be approved by one or more of the additional delegates.