Patent ID: 11949796
Assignee: WELLS FARGO BANK, N.A.
Field: Digital communication (Electrical engineering)
Classification: CPC H  G | IPC G  H

Claim 7:
8. A computing device for secure mobile wallet communications, the computing device comprising:
one or more processors;
a memory, storing instructions, which when executed by the one or more processors, cause the device to perform operations comprising:
executing a first mobile wallet application that performs operations comprising:
receiving, over a network, a message from a second mobile wallet application;
performing message signature verification by determining that a calculated hash of the message matches a hash value contained in the message, the hash value contained in the message in an encrypted form;
responsive to verifying that the calculated hash of the message matches the hash value contained in the message, determining whether to perform additional verification based upon one or more of: a type of the message, a text content of the message, or a sender of the message;
responsive to determining that additional verification is to be performed, performing the additional verification by determining that a challenge-response message received from the second mobile wallet application includes a correct answer to a challenge message sent from the first mobile wallet application requesting financial information about the first mobile wallet application; and
responsive to the message signature verification and the additional verification, continuing with a financial transaction with the second mobile wallet application.