Patent ID: 11887098
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 0:
1. A provider institution computing system of a provider institution, comprising:
a network interface circuit; and
a processing circuit coupled to the network interface circuit, the processing circuit comprising a processor coupled to a non-transitory memory storing instructions that, when executed by the processor, cause the processing circuit to perform operations comprising:
receive a request from a sender device associated with a sender to send a gift to a recipient device associated with a recipient via a second messaging application of the recipient device, the second messaging application different from a first messaging application of the sender device, the request provided in response to a first interaction at a first user interface, the first interaction indicating a selection of a first value of points, the first user interface provided by a provider institution client application associated with the provider institution computing system and stored at the sender device and invoked by and displayed within the first messaging application as an overlay;
determine, using a biometric verification process, that the sender initiated the request to send the gift from the sender device, and that the sender is identified in a first account associated with the sender at the provider institution;
verify that the first account associated with the sender includes the first value of points;
convert the first value of points to a first gift value having a first gift type and a second gift value having a second gift type, the first gift value being different than the second gift value;
provide a first gift option to the sender device for display in a second user interface of the first messaging application via the provider institution client application, the first gift option comprising a first gift having the first gift value and a second gift having the second gift value, the second user interface comprising an interactive element that enables scrolling between the first gift and the second gift;
receive a first gift selection from the first messaging application via the provider institution client application, the first gift selection comprising one of the first gift or the second gift;
responsive to receiving the first gift selection, provide data to generate a gift message to the sender device, causing the provider institution client application to generate and transmit the gift message to the recipient via the second messaging application, the gift message comprising an interactive user interface element configured to present a third user interface, the third user interface comprising a plurality of alternative gift options;
based on a respective interaction with an alternative gift selection of the plurality of alternative gift options, receive a request for a monetary amount in lieu of the first gift selection via the third user interface of the second messaging application displayed at the recipient device; and
authenticate, using a second biometric verification process, that the recipient device is associated with the recipient to permit the conversion of the first value of points to the monetary amount.