Patent ID: 11935066
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 6:
7. A mobile device, comprising:
a network interface configured to communicate data over a network;
a token management system configured to facilitate usage of one or more public tokens of a user and comprising a processor, wherein the token management system further includes a memory that stores instructions that, when executed by the processor, cause the token management system to:
link a single token to an online account associated with the single token based on receiving an input to couple the token management system to the online account such that the token management system is configured to receive updates regarding the single token;
generate a rule for the single token to enable association of the single token with two or more accounts;
based on the linking, receive an update regarding the online account and (i) deactivate the single token to prevent fund transfers utilizing the single token and (ii) provide an alert regarding the update;
reactivate the single token based on receiving an input in response to the alert;
receive a fund transfer transaction request identifying the single token for a fund transfer;
apply the rule based on the single token to process the fund transfer; and
after the fund transfer, delete the single token based on detecting an expiration designation of the single token by removing the single token from the token management system of the mobile device.