Granted Patent B1

US 12,499,433 · App. 17/493,548 · Granted Dec 16, 2025

Inventor: Peter Ho (Walnut Creek, CA)

Assignee: Wells Fargo Bank, N.A.

G06Q20/354G06Q20/3674G06Q20/382

Abstract

Claims (22)

1 . A method of activating a card having a contactless chip, the method comprising:

providing the card in a non-activated state;

activating the card prior to an initial card transaction, wherein activating the card comprises:

receiving, from a mobile device via a wireless transmission from the card having the contactless chip to the mobile device, an authentication request including a cryptogram and a transaction charge amount of $0.00 or $0.01;

processing, based on the transaction charge amount, the authentication request as a transaction request to reveal the cryptogram;

decrypting the cryptogram to reveal information regarding at least one of the card or a user;

comparing the revealed information regarding the at least one of the card or the user to information in a customer database, and verifying the cryptogram generated by the card corresponds to an active payment account;

updating the customer database to indicate that the revealed information regarding the at least one of the card or the user is confirmed and verified; and

activating, in response to a successful user authentication at the mobile device, the card for the initial card transaction based on updating the customer database and the successful user authentication; and

providing, to the mobile device, a payment card token associated with the card as part of a mobile wallet transaction using the mobile device involving the card.

2 . The method of claim 1 , wherein the payment card token causes a payment application on the mobile device to add the card and present a status of the card.

3 . The method of claim 2 , further comprising:

receiving, via the payment application of the mobile device, a selection of a selectable element on a graphical user interface indicating the card is lost or stolen.

4 . The method of claim 3 , further comprising:

updating the customer database to disallow subsequent transactions associated with the payment card token based on the indication that the card is lost or stolen; and

providing, to a replacement mobile device, a replacement payment card token.

5 . The method of claim 1 , wherein the wireless transmission is a near-field communication (NFC) tap with the mobile device.

6 . The method of claim 1 , wherein the successful user authentication includes information associated with at least one of a PIN, biometric data, or an answer to an identification question prior to activating the card.

7 . The method of claim 1 , further comprising:

generating an encryption key for the card; and

providing, to the mobile device, the encryption key for generating the cryptogram.

8 . The method of claim 7 , wherein the cryptogram is encrypted using the encryption key, and wherein confirming that the revealed information regarding the at least one of the card or the user corresponds to the information in the customer database further comprises verifying the cryptogram was generated by the card.

Assignments (2)

Continuity (3)

References Cited (400)