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

Claim 15:
16. A computer-implemented method, comprising:
linking, by a mobile device, a single token of a plurality of tokens of a user to an online account associated with the single token based on receiving a user input to couple to the online account such that the mobile device is configured to receive updates regarding the single token;
generating, by the mobile device, a rule that associates the single token with two or more accounts;
based on the linking, receiving, by the mobile device, an update regarding the online account and (i) deactivating the single token to prevent fund transfers utilizing the single token and (ii) providing an alert regarding the update;
reactivating, by the mobile device, the single token based on an input in response to the alert;
receiving, by the mobile device, a fund transfer transaction request identifying the single token for a fund transfer;
applying, by the mobile device, the rule based on the single token to process the fund transfer; and
after the fund transfer, deleting, by the mobile device, the single token based on detecting an expiration designation of the single token by removing the single token from the mobile device.