Granted Patent B1

US 12,236,408 · App. 17/564,343 · Granted Feb 25, 2025

Inventors: Steven E. Puffer (Champlin, MN); Jerome Rhodes (Hayward, CA); Michael R. Thomas (San Francisco, CA)

Assignee: Wells Fargo Bank, N.A.

G06Q20/1085G06Q20/3226G06Q20/3278G06Q20/3672G06Q20/4012

Abstract

Claims (52)

1. A mobile device comprising:

a near-field communication (NFC) device;

a network interface configured to communicate data via a network;

an input/output device configured to exchange data with a customer; and

a processing circuit comprising a processor and a memory, the memory storing instructions that, when executed by the processor, cause the processing circuit to:

receive, via the input/output device, payment card information relating to a payment card of the customer;

transmit, via the network interface, the payment card information to a mobile wallet computing system;

receive, via the network interface, an inactive payment token representing the payment card;

store the inactive payment token in a mobile wallet of the mobile device;

transmit a proximity notification to an automated teller machine (ATM) when the mobile device is proximate the ATM;

receive a notification from the ATM prompting the customer to activate the inactive payment token via the ATM in response to the proximity notification and a determination by the ATM that the inactive payment token is inactive within the mobile wallet of the mobile device;

establish, via the NFC device, an NFC session with the ATM;

provide authentication information to the ATM;

receive an indication of a change in status of the inactive payment token to active from the ATM based on the customer being authenticated using the authentication information; and

update the status of the stored inactive payment token from inactive to active.

2. The mobile device of claim 1 , wherein the instructions, when executed by the processor, further cause the processing circuit to:

in response to the status of the payment token being updated to active, display, by the input/output device, a notification to the customer indicating that the payment token has been activated.

3. The mobile device of claim 1 , wherein the instructions, when executed by the processor, further cause the processing circuit to:

monitor a location of the mobile device using global positioning system (GPS) data; and

determine when the mobile device is within a certain distance of the ATM based on the GPS data.

4. The mobile device of claim 1 , wherein the instructions, when executed by the processor, further cause the processing circuit to:

in response to the customer attempting to use the inactive payment token to make a payment, display, by the input/output device, an alert to the customer indicating that the inactive payment token needs to be activated.

5. The mobile device of claim 4 , wherein the alert further includes a location of the ATM through which the customer can activate the inactive payment token.

6. The mobile device of claim 1 , wherein the instructions, when executed by the processor, further cause the processing circuit to:

receive at least one authentication credential relating to the payment card; and

verify the at least one authentication credential.

7. The mobile device of claim 1 , wherein the payment card is a debit card.

8. The mobile device of claim 1 , wherein the payment card is a credit card.

9. A method comprising:

receiving, via an input/output device of a mobile device, payment card information relating to a payment card of a customer;

transmitting, via a network interface of the mobile device, the payment card information to a remote computing system;

receiving, via the network interface, an inactive payment token representing the payment card;

storing the inactive payment token in a mobile wallet of the mobile device;

transmitting, by the mobile device, a proximity notification to an automated teller machine (ATM) when the mobile device is proximate the ATM;

receiving, by the mobile device, a notification from the ATM prompting the customer to activate the inactive payment token via the ATM in response to the proximity notification and based on a determination by the ATM that the inactive payment token is inactive within the mobile wallet of the mobile device;

establishing, via a near-field communication (NFC) device of the mobile device, an NFC session with the ATM;

providing authentication information to the ATM;

receiving an indication of a change in status of the inactive payment token to active from the ATM based on the customer being authenticated using the authentication information; and

updating the status of the stored inactive payment token from inactive to active.

10. The method of claim 9 , further comprising:

in response to the status of the payment token being updated to active, displaying, via the input/output device of the mobile device, a notification to the customer indicating that the payment token has been activated.

11. The method of claim 9 , further comprising:

monitoring a location of the mobile device using global position system (GPS) data; and

determining when the mobile device is within a certain distance of the ATM based on the GPS data.

12. The method of claim 9 , further comprising:

in response to the customer attempting to use the inactive payment token to make a payment, displaying, via the input/output device of the mobile device, an alert to the customer indicating that the inactive payment token needs to be activated.

13. The method of claim 12 , wherein the alert further includes a location of the ATM through which the customer can activate the inactive payment token.

14. The method of claim 9 , further comprising:

receiving at least one authentication credential relating to the payment card; and

verifying the at least one authentication credential.

15. The method of claim 9 , wherein the payment card is a debit card.

16. The method of claim 9 , wherein the payment card is a credit card.

Assignments (1)

Continuity (2)

References Cited (21)