Granted Patent B1

US 12,493,868 · App. 17/892,921 · Granted Dec 9, 2025

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 (51)

1 . A method, comprising:

receiving, by a computing system, an application of a user for a product or service, the application including user information associated with a user input via a user device;

based on a first contactless communication between a contactless card and the user device, transmitting a message to a third party computing system via a payment network associated with the contactless card, the message including at least a portion of the user information;

receiving, by the computing system from the third party computing system, an indication that the portion of the user information matches information stored by the third party computing system based on the message;

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

generating, by the computing system in response to approval of the application for the product or service, a data instance, the data instance including user information associated with the contactless card and a device identifier identifying the user device, the device identifier binding the user device with the product or service; and

verifying, by the computing system, an identity of the user in response to a second contactless communication between the contactless card and the user device and based on the device identifier of the generated data instance binding the user device with the product or service.

2 . The method of claim 1 , further comprising:

providing a graphical user interface (GUI) to the user device that prompts the user to cause the first contactless communication or the second contactless communication between the contactless card and the user device.

3 . The method of claim 2 , wherein the GUI is provided to the user device via a mobile application.

4 . The method of claim 1 , wherein the message comprises payment information associated with the contactless card received via the first contactless communication.

5 . The method of claim 1 , further comprising:

generating a payment authorization request based on the first contactless communication, the payment authorization request comprising a cryptogram;

transmitting the payment authorization request to the third party computing system; 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 user is an account holder at an institution associated with the third party computing system, wherein the application is for a product or service offered by a second institution associated with the computing system.

8 . The method of claim 7 , further comprising adding the user information to a customer database associated with the second institution in response to approving the application.

9 . The method of claim 1 , wherein the message is an address verification service (AVS) message, the AVS message including the user information.

10 . A system comprising:

at least one processor; and

at least one memory storing instructions that, when executed by the at least one processor, cause operations comprising:

receiving an application of a user for a product or service, the application including user information associated with a user input via a user device;

based on a first contactless communication between a contactless card and the user device, transmitting a message to a third party computing system via a payment network associated with the contactless card, the message including at least a portion of the user information;

receiving, from the third party computing system, an indication that the portion of the user information matches information stored by the third party computing system based on the message;

approving the application based at least in part on the indication;

generating a data instance in response to approval of the application for the product or service, the data instance including user information associated with the contactless card and a device identifier identifying the user device, the device identifier binding the user device with the product or service; and

verifying an identity of the user in response to a second contactless communication between the contactless card and the user device and based on the device identifier of the generated data instance binding the user device with the product or service.

11 . The system of claim 10 , the operations further comprising:

providing a graphical user interface (GUI) to the user device to prompt the user to cause the first contactless communication or the second contactless communication between the contactless card and the user device.

12 . The system of claim 11 , wherein the GUI is provided via a mobile application configured to enable a merchant point-of-sale (POS) capability.

13 . The system of claim 10 , wherein the message comprises payment information associated with the contactless card, the payment information received via the first contactless communication.

14 . The system of claim 13 , the operations further comprising:

generating a payment authorization request based on the first contactless communication, the payment authorization request comprising a cryptogram;

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

receiving 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 operations further comprising:

storing the user information and the device identifier within the generated 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:

receiving an application of a user for a product or service, the application including user information associated with a user input via a user device;

based on a first contactless communication between a contactless card and the user device, transmitting a message to a third party computing system via a payment network associated with the contactless card, the message including at least a portion of the user information;

receiving, from the third party computing system, an indication that the portion of the user information matches information stored by the third party computing system based on the message;

approving the application for the product or service based at least in part on the indication;

generating a data instance in response to approval of the application for the product or service, the data instance including user information associated with the contactless card and a device identifier identifying the user device, the device identifier binding the user device with the product or service; and

verifying an identity of the user in response to a second contactless communication between the contactless card and the user device and based on the device identifier of the generated data instance binding the user device with the product or service.

18 . The non-transitory computer-readable medium of claim 17 , the operations further comprise:

providing a graphical user interface (GUI) to the user device to prompt the user to cause the first contactless communication between the contactless card and the user device.

19 . The non-transitory computer-readable medium of claim 17 , wherein the message comprises payment information associated with the contactless card received via the first contactless communication.

20 . The non-transitory computer-readable medium of claim 17 , the operations further comprising:

providing a confirmation response to the user device in response to approving the application.

Assignments (1)

Continuity (1)

References Cited (400)