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

Claim 5:
6. A mobile computing device configured to:
receive a delegate enrollment initiation input via a touchscreen associated with the mobile computing device 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 the touchscreen associated with the mobile computing device one or more delegate information prompts;
receive a new delegate information input via the touchscreen, the new delegate information input including contact information for the new delegate;
automatically generate a message for the new delegate and send the message to the new delegate using the contact information, wherein the message includes a request to provide identification information;
receive identification information from the new delegate;
determine a relational depth for the new delegate, the relational depth being a measure of interpersonal relationship distance between the primary account holder and the new delegate;
suggest that the primary user add at least one additional delegate having a different relational depth as 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; and
enroll the new delegate so that the new delegate can manage access to funds held in the bank account associated with the secondary user.