Granted Patent B1

US 11,423,392 · App. 17/108,832 · Granted Aug 23, 2022

Inventors: Peter Ho (San Francisco, CA); John A. Aurelius (San Francisco, CA)

Assignee: WELLS FARGO BANK, N.A.

G06Q20/346G06Q20/352G06Q20/353G06Q20/409G06Q30/0609

Abstract

Claims (43)

1. A method of verifying at least a portion of manually entered user information in an application, the method comprising:

receiving, by a provider institution computing system, an application for a new product or service, the application including entered user information of an applicant via one or more user inputs into a customer device;

providing a request to verify at least a portion of the user information to the customer device, the request configured to cause the customer device to prompt a user to tap a contactless card to the customer device;

based on a contactless communication between the contactless card and the customer device, generating an address verification service (AVS) message to a third party computing system, wherein the third party computing system is a provider of the contactless card;

receiving, by the provider institution computing system from the third party computing system, an indication that the portion of the entered user information and information stored by the third party computing system match; and

approving, by the provider institution computing system, the application for the new product or service based at least in part on the indication of the match.

2. The method of claim 1 , wherein providing the request to verify comprises providing a graphical user interface (GUI) on a merchant mobile application to the customer device to prompt the user to tap the contactless card to the customer device.

3. The method of claim 2 , wherein the merchant mobile application is associated with the provider institution.

4. The method of claim 1 , wherein the AVS message comprises payment information of the contactless card received based on the contactless communication and at least the portion of the entered user information.

5. The method of claim 1 , further comprising:

generating a payment authorization request based on the contactless communication, the payment authorization request comprising a cryptogram and a zero payment amount;

transmitting the payment authorization request to the third party computing system via a payment network; and

receiving an indication that the payment authorization request has been approved by the third party computing system.

6. The method of claim 5 , wherein approving the application is based at least in part on the indication that the payment authorization request has been approved.

7. The method of claim 1 , wherein the indication that the portion of the entered user information and information stored by the third party computing system match is a binary indication.

8. The method of claim 1 , further comprising determining that the application is not for a current customer of the provider institution by cross-referencing the entered user information within a customer database.

9. The method of claim 8 , further comprising adding the applicant and the entered user information to the customer database in response to approving the application.

10. A system comprising:

a processor; and

a memory storing instructions that, when executed by the processor, cause operations comprising:

receive an application for a new product or service, the application including entered user information of an applicant via one or more user inputs into a customer device;

provide a request to verify at least a portion of the user information to the customer device, the request configured to cause the customer device to prompt a user to tap a contactless card to the customer device;

based on a contactless communication between the contactless card and the customer device, generate an address verification service (AVS) message to a third party computing system, wherein the third party computing system is a provider of the contactless card;

receive, from the third party computing system, an indication that the portion of the entered user information and information stored by the third party computing system match; and

approve the application for the new product or service based at least in part on the indication of the match.

11. The system of claim 10 , wherein to provide the request to verify the memory includes instructions stored thereon that, when executed by the processor, cause operations comprising provide a graphical user interface (GUI) on a merchant mobile application to the customer device to prompt the user to tap the contactless card to the customer device.

12. The system of claim 10 , wherein the merchant mobile application is provided by the system and configured to transform the customer device into a point-of-sale (POS) merchant terminal.

13. The system of claim 10 , wherein the AVS message comprises payment information of the contactless card received based on the contactless communication and at least the portion of the entered user information.

14. The system of claim 13 , the memory including instructions stored thereon that, when executed by the processor, cause operations comprising:

generate a payment authorization request based on the contactless communication, the payment authorization request comprising a cryptogram and a zero payment amount;

transmit the payment authorization request to the third party computing system via a payment network; and

receive an indication that the payment authorization request has been approved by the third party computing system.

15. The system of claim 14 , wherein approving the application is based at least in part on the indication that the payment authorization request has been approved.

16. The system of claim 10 , the memory including instructions stored thereon that, when executed by the processor, further cause operations to store the entered user information within a data instance of a customer database in response to approving the application.

17. A non-transitory computer-readable medium storing instructions that, when executed by one or more processors cause operations comprising:

receive an application for a new product or service, the application including entered user information of an applicant via one or more user inputs into a customer device;

provide a request to verify at least a portion of the user information to the customer device, the request configured to cause the customer device to prompt a user to tap a contactless card to the customer device;

based on a contactless communication between the contactless card and the customer device, generate an address verification service (AVS) message to a third party computing system, wherein the third party computing system is a provider of the contactless card;

receive, from the third party computing system, an indication that the portion of the entered user information and information stored by the third party computing system match; and

approve the application for the new product or service based at least in part on the indication of the match.

18. The non-transitory computer-readable medium of claim 17 , wherein to provide the request to verify the further comprises operations to provide a graphical user interface (GUI) on a merchant mobile application of the customer device to prompt the user to tap the contactless card to the customer device.

19. The non-transitory computer-readable medium of claim 17 , wherein the AVS message comprises payment information of the contactless card received based on the contactless communication and at least the portion of the entered user information.

20. The non-transitory computer-readable medium of claim 17 , wherein the operations further comprise operations to provide a confirmation response to the customer device in response to approving the application.

Assignments (1)

Cited By (87)

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