Patent ID: 11928668
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 8:
9. A system comprising:
a computer server system comprising one or more processors and one or more memory devices having machine readable instructions stored therein that, when executed by the one or more processors, cause the computer server system to:
receive a fund access request from a user device associated with a user, the fund access request being made in connection with a payment transaction;
generate a tokenized card number based on an actual card account number of the user that substitutes the actual card account number in the payment transaction;
provide a code to the user device, wherein the code includes the tokenized card number and a numeric or alphanumeric string of values in a separate field from the tokenized card number;
determine that the numeric or alphanumeric string of values in the code transmitted to the user device matches a numeric or alphanumeric string of values in a field of a code received from a separate computer system;
receive location information indicative of a location of the user device;
receive a merchant location associated with the payment transaction;
determine that the location of the user device matches the merchant location;
authenticate the payment transaction based on the numeric or alphanumeric match and the location match; and
transmit the actual card account number to the separate computer system as part of the payment transaction.