Patent ID: 11887098
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 10:
11. A sender mobile device associated with a sender, the sender mobile device comprising:
a network interface circuit; and
a processing circuit coupled to the network interface circuit, the processing circuit comprising a processor coupled to a non-transitory memory storing instructions that, when executed by the processor, cause the processing circuit to perform operations comprising:
launch a messaging application to enable a communication between the sender and a recipient;
receive a request from within the messaging application to initiate a transaction with the recipient, the request provided in response to a first interaction at a first user interface, the request indicating a selection of a first value of points, the first user interface provided by a provider institution client application invoked by and displayed within the messaging application as an overlay;
obtain biometric information for a first biometric verification process that determines that the sender initiated the transaction with the recipient;
receive a prompt that is displayed within the messaging application from the provider institution client application, the prompt including a plurality of icons associated with the transaction, the prompt comprising an interactive element that enables scrolling between the plurality of icons;
receive, via the provider institution client application, a selection of an icon of the plurality of icons by the sender from within the messaging application, the selection corresponding to one of a first transaction option or a second transaction option;
send, via the provider institution client application, a first communication to a recipient messaging application that is viewable by the recipient via a recipient device, the first communication comprising a first option corresponding to the selection of the icon by the sender and a second option providing an option to convert the first value of points to monetary amount in lieu of the first option; and
receive and display, via the provider institution client application, a confirmation that the transaction is complete responsive to a second biometric process of the recipient initiated at the recipient device being satisfied.