Granted Patent B2

US 12,609,924 · App. 18/394,259 · Granted Apr 21, 2026

Inventors: Upul D. Hanwella (San Francisco, CA); Kimberly R. Nelson (Charlotte, NC); Matthew N. Wheeler (Charlotte, NC)

Assignee: Wells Fargo Bank, N.A.

H04L63/0846H04L63/0492H04L2463/081

Abstract

Claims (81)

1 . A method comprising:

receiving, using a processing unit, a confirmation that a user has been authenticated by a physical establishment located at a physical authentication location, the user being associated with a user profile and a user identifier;

querying a database, using the processing unit, using the user identifier as input to determine if the user profile has an online user account of an online service;

determining, based on the querying, that the user profile does not have the online user account of the online service;

based on the determining that the user profile does not have the online user account and the confirmation that the user has been authenticated by the physical establishment, generating, using the processing unit, a two-dimensional (2D) barcode encoded with a link to open a credential creation user interface on a computing device, the credential creation user interface associated with the user identifier;

receiving, at the processing unit, an indication of activation of the link from the computing device;

in response to the receiving, calculating, using the processing unit, a time difference between a 2D barcode generation time and an indication receiving time; and

determining the time difference is less than a threshold time difference; and

in response to determining the time difference is less than the threshold time difference, presenting on the computing device the credential creation user interface configured to receive a username and a password for creating a credential to access a new online user account of the online service.

2 . The method of claim 1 , further comprising:

receiving a username input from the credential creation user interface;

receiving a password input from the credential creation user interface;

creating the credential to access the new online user account; and

storing the credential as associated with the new online user account.

3 . The method of claim 1 , further comprising, before presenting the credential creation user interface:

accessing an expiration time of the link; and

determining a current time is before the expiration time.

4 . The method of claim 1 , further comprising, before presenting the credential creation user interface:

accessing a geographic location of the physical authentication location;

determining a computing device geographic location;

comparing the geographic location of the physical authentication location and the computing device geographic location; and

based on the comparing, determining the computing device geographic location is within a threshold distance of the geographic location of the physical authentication location.

5 . The method of claim 1 , further comprising before the presenting on the computing device of the user interface:

determining, using the processing unit, that there is an active session for the user, the active session including an active session identifier.

6 . The method of claim 1 , further comprising:

prior to the generating, accessing an authentication level of the user identifier; and

determining the authentication level is above a threshold level to create the new online user account.

7 . The method of claim 1 , wherein generating the 2D barcode encoded with the link to open the credential creation user interface on the computing device includes:

generating a random identifier;

storing the random identifier as associated with the user identifier in the database; and

including the random identifier in the link.

8 . A non-transitory computer-readable medium comprising instructions, which when executed by a processing unit, configure the processing unit to perform operations comprising:

receiving a confirmation that a user has been authenticated by a physical establishment located at a physical authentication location, the user being associated with a user profile and a user identifier;

querying a database using the user identifier as input to determine if the user profile has an online user account of an online service;

determining, based on the querying, that the user profile does not have the online user account of the online service;

based on the determining that the user profile does not have the online user account and the confirmation that the user has been authenticated by the physical establishment, generating a two-dimensional (2D) barcode encoded with a link to open a credential creation user interface on a computing device, the credential creation user interface associated with the user identifier;

receiving an indication of activation of the link from the computing device;

in response to the receiving, calculating a time difference between a 2D barcode generation time and an indication receiving time; and

determining the time difference is less than a threshold time difference; and

in response to determining the time difference is less than the threshold time difference, presenting on the computing device the credential creation user interface configured to receive a username and a password for creating a credential to access a new online user account of the online service.

9 . The non-transitory computer-readable medium of claim 8 , wherein the instructions, which when executed by the processing unit, further configure the processing unit to perform operations comprising:

receiving a username input from the credential creation user interface;

receiving a password input from the credential creation user interface;

creating the credential to access the new online user account; and

storing the credential as associated with the new online user account.

10 . The non-transitory computer-readable medium of claim 8 , further comprising, before presenting the credential creation user interface:

accessing an expiration time of the link; and

determining a current time is before the expiration time.

11 . The non-transitory computer-readable medium of claim 8 , wherein the instructions, which when executed by the processing unit, further configure the processing unit to perform operations comprising, before presenting the credential creation user interface:

accessing a geographic location of the physical authentication location;

determining a computing device geographic location;

comparing the geographic location of the physical authentication location and the computing device geographic location; and

based on the comparing, determining the computing device geographic location is within a threshold distance of the geographic location of the physical authentication location.

12 . The non-transitory computer-readable medium of claim 8 , wherein the instructions, which when executed by the processing unit, further configure the processing unit to perform operations comprising, before the presenting on the computing device of the user interface:

determining that there is an active session for the user, the active session including an active session identifier.

13 . The non-transitory computer-readable medium of claim 8 , wherein the instructions, which when executed by the processing unit, further configure the processing unit to perform operations comprising:

prior to the generating, accessing an authentication level of the user identifier; and

determining the authentication level is above a threshold level to create the new online user account.

14 . The non-transitory computer-readable medium of claim 8 , wherein generating the 2D barcode encoded with the link to open the credential creation user interface on the computing device includes:

generating a random identifier;

storing the random identifier as associated with the user identifier in the database; and

including the random identifier in the link.

15 . A system comprising:

a processing unit; and

a storage device comprising instructions, which when executed by the processing unit, configure the processing unit to perform operations comprising:

receiving a confirmation that a user has been authenticated by a physical establishment at a physical authentication location, the user being associated with a user profile and a user identifier;

querying a database using the user identifier as input to determine if the user profile has an online user account of an online service;

determining, based on the querying, that the user profile does not have the online user account of the online service;

based on the determining that the user profile does not have the online user account and the confirmation that the user has been authenticated by the physical establishment, generating a two-dimensional (2D) barcode encoded with a link to open a credential creation user interface on a computing device;

receiving an indication of activation of the link from the computing device;

in response to the receiving, calculating a time difference between a 2D barcode generation time and an indication receiving time; and

determining the time difference is less than a threshold time difference; and

in response to determining the time difference is less than the threshold time difference, presenting on the computing device the credential creation user interface configured to receive a username and a password for creating a credential to access a new online user account of the online service.

16 . The system of claim 15 , wherein the instructions, which when executed by the processing unit, further configure the processing unit to perform operations comprising:

receiving a username input from the credential creation user interface;

receiving a password input from the credential creation user interface;

creating the credential to access the new online user account; and

storing the credential as associated with the new online user account.

17 . The system of claim 15 , wherein the instructions, which when executed by the processing unit, further configure the processing unit to perform operations comprising, before presenting the credential creation user interface:

accessing an expiration time of the link; and

determining a current time is before the expiration time.

Assignments (1)

Continuity (1)

References Cited (41)