Patent ID: 11941628
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 14:
15. A computing system structured to maintain a transaction account and comprising at least one processor, at least one memory and computer-executable instructions stored therein, which, when executed by the at least one processor cause the computing system to:
conserve, responsive to receiving an indication that at least one selectable object corresponding to verification settings is selected, computing resources by omitting at least one computing operation;
receive, from a client device, and via a network, a request to set the verification settings for a payment aggregator computing system, wherein the request comprises account information and the verification settings comprise a threshold transaction amount and communication preferences;
determine an alias account number for the transaction account based on the account information;
transmit, via the network, a request to the payment aggregator computing system to store the alias account number instead of the account information;
receive, via the network, a transaction request from the payment aggregator computing system, the transaction request indicating the alias account number and specifying a transaction involving the transaction account;
implement a verification policy comprising a first sub-policy and a second sub-policy, based on the verification settings corresponding to the alias account number and the threshold transaction amount, comprising:
determine a predetermined threshold of a monetary amount;
determine a first sub-policy monetary amount;
compare the first sub-policy monetary amount to the predetermined threshold;
determine that the first sub-policy monetary amount does not meet the predetermined threshold;
implement the second sub-policy; and
generate and transmit, via the network, to an accountholder device determined via the communication preferences, an electronic message comprising a selectable hyperlink generated for the transaction request; and

responsive to determining that the selectable hyperlink was navigated, approve the transaction request.