Granted Patent B2

US 12,561,673 · App. 18/810,061 · Granted Feb 24, 2026

Inventors: Peter Ho (Walnut Creek, CA); Ashish B. Kurani (Hillsborough, CA); Brian M. Pearce (Pleasanton, CA); Steven E. Puffer (Champlin, MN)

Assignee: Wells Fargo Bank, N.A.

G06Q20/3672G06Q20/108G06Q20/227G06Q20/24G06Q20/26G06Q20/3223G06Q20/3226G06Q20/3674G06Q20/3821G06Q20/4014G06Q20/405

Abstract

Claims (36)

1 . A method for initiating a provisioning of a payment account to a mobile wallet, the method comprising:

generating, by a provider computing system on an initiating device, a user interface configured to initiate the provisioning of one or more payment accounts;

receiving, by the provider computing system via the user interface, authentication information, wherein the authentication information authenticates a user associated with the mobile wallet;

retrieving, by the provider computing system and based on the authentication information, account information associated with the user regarding one or more eligible payment accounts for provisioning;

displaying, by the provider computing system via the user interface, a list of the one or more eligible payment accounts for provisioning; and

receiving, by the provider computing system via the user interface, a selection of the payment account from the list for provisioning to the mobile wallet.

2 . The method of claim 1 , wherein the account information comprises at least one of a digital token associated with sensitive information configured for interpretation by an authorized computing system or a digital code configured for utilization as a payment credential.

3 . The method of claim 1 , wherein the account information is associated with a primary account number of the payment account.

4 . The method of claim 1 , wherein the payment account comprises a credit card or debit card account, and wherein the account information comprises a payment token comprising a sixteen digit number configured for utilization in place of an original sixteen digit number of a credit card or debit card corresponding to the credit card or debit card account.

5 . The method of claim 1 , further comprising authorizing the account information for use in a mobile wallet transaction.

6 . The method of claim 1 , wherein the account information is sent directly to a mobile device of the user without going through the initiating device.

7 . The method of claim 1 , wherein encrypted authentication information of the user is received by the provider computing system based on a short-range communication of the encrypted authentication information from a mobile device of the user to the initiating device so that the authentication information is encrypted prior to being received by the initiating device.

8 . The method of claim 1 , wherein the initiating device is separate and distinct from a mobile device of the user.

9 . A provider computing system for initiating a provisioning of a payment account to a mobile wallet, the provider computing system comprising:

a circuit configured to:

provide, on an initiating device, a user interface configured to initiate the provisioning of one or more payment accounts;

receive, via the user interface, authentication information, wherein the authentication information authenticates a user associated with the mobile wallet;

retrieve, based on the authentication information, account information associated with the user regarding one or more eligible payment accounts for provisioning;

display, via the user interface, a list of the one or more eligible payment accounts for provisioning; and

receive, via the user interface, a selection of the payment account from the list for provisioning to the mobile wallet.

10 . The provider computing system of claim 9 , wherein the account information comprises at least one of a digital token associated with sensitive information configured for interpretation by an authorized computing system or a digital code configured for utilization as a payment credential.

11 . The provider computing system of claim 9 , wherein the account information is associated with a primary account number of a payment account associated with the user.

12 . The provider computing system of claim 9 , wherein the payment account comprises a credit card or debit card account, and wherein the account information comprises a payment token comprising a sixteen digit number configured for utilization in place of an original sixteen digit number of a credit card or debit card corresponding to the credit card or debit card account.

13 . The provider computing system of claim 9 , wherein the circuit is further configured to authorize the account information for use in a mobile wallet transaction.

14 . The provider computing system of claim 9 , wherein the account information is sent directly to a mobile device of the user without going through the initiating device.

15 . The provider computing system of claim 9 , wherein encrypted authentication information of the user is received by the circuit based on a short-range communication of the encrypted authentication information from a mobile device of the user to the initiating device so that the authentication information is encrypted prior to being received by the initiating device.

16 . The provider computing system of claim 9 , wherein the initiating device is separate and distinct from a mobile device of the user.

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

generating, on an initiating device, a user interface configured to initiate a provisioning of one or more payment accounts to a mobile wallet;

receiving, via the user interface, authentication information, wherein the authentication information authenticates a user associated with the mobile wallet;

retrieving, based on the authentication information, account information associated with the user regarding one or more eligible payment accounts for provisioning;

displaying, via the user interface, a list of the one or more eligible payment accounts for provisioning; and

receiving, via the user interface, a selection of a payment account from the list for provisioning to the mobile wallet.

18 . The non-transitory computer-readable medium of claim 17 , wherein the account information comprises at least one of a digital token associated with sensitive information configured for interpretation by an authorized computing system or a digital code configured for utilization as a payment credential.

19 . The non-transitory computer-readable medium of claim 17 , wherein the account information is associated with a primary account number of a payment account associated with the user.

20 . The non-transitory computer-readable medium of claim 17 , wherein the payment account comprises a credit card or debit card account, and wherein the account information comprises a payment token comprising a sixteen digit number configured for utilization in place of an original sixteen digit number of a credit card or debit card corresponding to the credit card or debit card account.

Continuity (6)

References Cited (400)