Patent ID: 11880859
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A computer-implemented method comprising:
generating, by a computer system, an offer customized for an intended recipient and including a unique identifier for the intended recipient;
sending, by the computer system, the offer electronically to the intended recipient, the offer including a selectable portion for the intended recipient to select to access the offer;
receiving, by the computer system, an indication that a user has selected the selectable portion of the offer;
displaying, by the computer system, a landing web page on a graphical user interface (GUI) of a user device, the landing web page generated using the unique identifier and including information about the offer and an action button for the user to select to indicate user intention to apply for or purchase a product identified in the offer;
receiving, by the computer system, an indication that the user has selected the action button of the landing web page;
displaying, by the computer system, a validation web page on the GUI of the user device, the validation web page including prompts for input of user information;
receiving, by the computer system, the user information from the user input from the validation web page;
evaluating, by the computer system, the user information using validation logic to determine whether the user is the intended recipient of the offer based on whether the user information matches user information of the intended recipient;
determining, by the computer system using the validation logic, that the offer is valid or invalid based on a geographic location of the user, an expiration date of the offer, and availability of the product;
displaying, by the computer system, a decision web page on the GUI of the user device, the decision web page including an approval or denial for the user of the offer based on the evaluation and the determination; and
upon determining that the user is not the intended recipient of the offer or that the offer is invalid, automatically providing, by the computer system, access to the user to an additional offer tailored to the user.