Granted Patent B1

US 12,579,536 · App. 17/547,106 · Granted Mar 17, 2026

Inventors: Ashish B. Kurani (Hillsborough, CA); Steven E. Puffer (Champlin, MN)

Assignee: Wells Fargo Bank, N.A.

G06Q20/36G06Q20/108G06Q20/3223

Abstract

Claims (75)

1 . A system, comprising:

a mobile wallet computing system operated by a mobile wallet provider, wherein the mobile wallet computing system comprises:

a memory unit configured to store one or more user-provided settings associated with a mobile wallet account; and

a processing unit configured to:

register a user for the mobile wallet account, wherein to register the user the processing unit is configured to:

authorize the user based at least in part on user information received via a user registration interface of a registration terminal;

create the mobile wallet account for the user;

identify one or more payment accounts of the user that are eligible to participate in the mobile wallet account;

receive one or more user-provided settings via the user registration interface of the registration terminal, wherein the one or more user-provided settings comprise a source payment account, a first default payment account associated with a first transaction type, and a second default payment account associated with a second transaction type that is different than the first transaction type, wherein the first default payment account and the second default payment account are selected from the user registration interface of the registration terminal to be provisioned to a mobile device of the user from the one or more payment accounts that are eligible to participate in the mobile wallet account;

assign the one or more user-provided settings to the mobile wallet account;

register the mobile device associated with the user based on identifying information received from the mobile device to identify the mobile wallet account; and

receive one or more payment token storage locations from the mobile device, the one or more payment token storage locations including a memory of the mobile device that is associated with host card emulation;

in response to registering the mobile device, provide the mobile device with mobile wallet data based on the one or more user-provided settings and provision the first default payment account and the second default payment account to the mobile device by transmitting a first payment token associated with the first default payment account and a second payment token associated with the second default payment account to the mobile device, wherein the first payment token is transmitted to the memory of the mobile device that is associated with host card emulation such that the first payment token is configured to facilitate contactless transactions;

receive an update to the one or more user-provided settings via the user registration interface of the registration terminal;

in response to receiving the update to the one or more user-provided settings via the user registration interface of the registration terminal, automatically apply the update to the one or more user-provided settings to the mobile device; and

the registration terminal configured to access an online portal of the mobile wallet provider on the registration terminal, the online portal configured to present the user registration interface to the user in response to a request received by the mobile wallet computing system from the user to create the mobile wallet account, the user registration interface configured to (i) receive the one or more user-provided settings from the user and transmit the one or more user-provided settings to the mobile wallet computing system to provision the first default payment account and the second default payment account to the mobile device and (ii) receive the update to the one or more user-provided settings and transmit the update to the one or more user-provided settings to the mobile wallet computing system to automatically apply the update to the mobile device.

2 . The system of claim 1 , wherein the registration terminal is a computer having a web-browser configured to access the online portal.

3 . The system of claim 1 , wherein the registration terminal is a computer having an online application installed thereon, and wherein the online portal is accessed through the online application.

4 . The system of claim 1 , wherein the registration terminal is a hand-held device having a web-browser configured to access the online portal.

5 . The system of claim 1 , wherein the registration terminal is a hand-held device having an online application installed thereon, and wherein the online portal is accessed through the online application, wherein the registration terminal is further configured to:

determine that the mobile device is not currently registered to use a mobile wallet application different from the online application.

6 . The system of claim 5 , wherein the mobile wallet application is activated by the mobile wallet computing system upon creation of the mobile wallet account of the user, and wherein the mobile wallet application is configured to transmit the identifying information to the mobile wallet computing system to register the mobile device of the user.

7 . The system of claim 1 , wherein the mobile wallet computing system further includes:

a user registration circuit configured to receive the one or more user-provided settings from the user registration interface to create the mobile wallet account; and

a mobile wallet circuit configured to facilitate use of the mobile device after registration to make payments.

8 . The system of claim 1 , wherein the mobile wallet computing system wherein the one or more user-provided settings further includes a transaction amount limit, the transaction amount limit associated with transactions involving the first default payment account.

9 . The system of claim 1 , further comprising a first communication channel of the mobile wallet computing system across which the user is registered and a second communication channel of the mobile wallet computing system across which the mobile device is registered.

10 . The system of claim 1 , wherein the processing unit of the mobile wallet computing system is further configured to:

in response to receiving the update to the one or more user-provided settings via the user registration interface of the registration terminal, automatically apply the update to the one or more user-provided settings to a second mobile device.

11 . A method, comprising:

receiving, by a mobile wallet computing system from a registration terminal, a request to register a user for a mobile wallet account, wherein the request is received through an online portal presented via a web browser or mobile application on the registration terminal;

causing, by the mobile wallet computing system, presentation of a user registration interface within the online portal on the registration terminal, the user registration interface comprising a list of one or more payment accounts of the user that are eligible to participate in the mobile wallet account;

registering, by the mobile wallet computing system, the user for using the mobile wallet account, wherein registering the user includes:

authorizing, by the mobile wallet computing system, the user based at least in part on user information received via the user registration interface of the registration terminal;

creating, by the mobile wallet computing system, the mobile wallet account for the user;

identifying, by the mobile wallet computing system, the one or more payment accounts of the user that are eligible to participate in the mobile wallet account;

receiving, but the mobile wallet computing system, one or more user-provided settings via the user registration interface of the registration terminal, wherein the one or more user-provided settings comprise a source payment account, a first default payment account associated with a first transaction type, and a second default payment account associated with a second transaction type that is different than the first transaction type, wherein the first default payment account and the second default payment account are selected from the user registration interface of the registration terminal to be provisioned on a mobile device of the user from the one or more payment accounts that are eligible to participate in the mobile wallet account;

assigning, by the mobile wallet computing system, one or more user-provided settings to the mobile wallet account;

receiving, by the mobile wallet computing system, another request from the mobile device of the user for registering the mobile device with the mobile wallet account;

identifying, by the mobile wallet computing system, the mobile wallet account of the user on the mobile device;

receiving, by the mobile wallet computing system, one or more payment token storage locations from the mobile device, the one or more payment token storage locations including a memory of the mobile device that is associated with host card emulation;

registering, by the mobile wallet computing system, the mobile device with the mobile wallet account, wherein registering the mobile device includes:

associating the one or more user-provided settings with the mobile device,

providing the mobile device with mobile wallet data based on the one or more user-provided settings, and

provisioning the first default payment account and the second default payment account to the mobile device by transmitting a first payment token associated with the first default payment account and a second payment token associated with the second default payment account to the mobile device, wherein the first payment token and the second payment token are transmitted to the memory of the mobile device that is associated with host card emulation such that the first payment token is configured to facilitate contactless transactions of the first transaction type and the second payment token is configured to facilitate contactless transactions of the second transaction type;

receiving, by the mobile wallet computing system, an update to the one or more user-provided settings via the user registration interface of the registration terminal; and

in response to receiving the update to the one or more user-provided settings via the user registration interface of the registration terminal, automatically apply the update to the one or more user-provided settings to the mobile device, wherein automatically applying the update to the one or more user-provided settings includes receiving, by the registration terminal, the update to the one or more user-provided settings and transmitting, by the registration terminal to the mobile wallet computing system, the update to the one or more user-provided settings.

12 . The method of claim 11 , further comprising:

registering the mobile device, by the mobile wallet computing system, based on receipt of a user-created wallet access code from the mobile device.

13 . The method of claim 11 , wherein the one or more user-provided settings further includes a transaction amount limit, the transaction amount limit associated with transactions involving the first default payment account.

14 . The method of claim 11 , further comprising:

registering the user, by the mobile wallet computing system, via an online application configured for accessing the online portal;

activating, by the mobile wallet computing system, a mobile wallet application of the online application upon registering the user and creating the mobile wallet account; and

registering the mobile device of the user, by the mobile wallet computing system, via the mobile wallet application.

15 . The method of claim 11 , further comprising:

receiving, on the mobile wallet computing system, via the online portal, authentication credentials of the user; and

confirming, by the mobile wallet computing system, that the user has at least one financial account that is eligible to participate in the mobile wallet account.

16 . The method of claim 11 , further comprising:

receiving, by the mobile wallet computing system, acceptance of terms and conditions of using the mobile wallet account from the user.

17 . A method, comprising:

receiving, by a mobile wallet computing system via a registration terminal, a request through an online portal provided by the mobile wallet computing system via a website or mobile application to the registration terminal for registering a user and for creating a mobile wallet account for the user, wherein the online portal is configured to present a user registration interface of the registration terminal, the user registration interface of the registration terminal comprising a list of payment accounts of the user that are eligible to participate in the mobile wallet account;

receiving, by the mobile wallet computing system via the registration terminal, one or more user-provided settings, wherein the one or more user-provided settings comprising a source payment account, a first default payment account associated with a first transaction type, and a second default payment account associated with a second transaction type that is different than the first transaction type, wherein the first default payment account and the second default payment account are selected from the user registration interface of the registration terminal to be provisioned to a mobile device of the user from the list of payment accounts that are eligible to participate in the mobile wallet account;

authorizing, by the mobile wallet computing system, the user based at least in part on user information received via the user registration interface of the registration terminal;

creating, by the mobile wallet computing system, the mobile wallet account and registering the user to the mobile wallet account;

associating, by the mobile wallet computing system, one or more user-provided settings with the mobile wallet account;

registering, by the mobile wallet computing system, the mobile device of the user for use of the mobile wallet account, the mobile wallet computing system receiving identifying information from the mobile device to identify the mobile wallet account;

receiving, by the mobile wallet computing system, one or more payment token storage locations from the mobile device, the one or more payment token storage locations including a memory of the mobile device that is associated with host card emulation;

associating, by the mobile wallet account, the one or more user-provided settings with the mobile device upon registering the mobile device;

in response to registering the mobile device, providing, by the mobile wallet computing system, the mobile device with mobile wallet data based on the one or more user-provided settings, and provisioning, by the mobile wallet computing system, the first default payment account and the second default payment account to the mobile device by transmitting a first payment token associated with the first default payment account to the mobile device and a second payment token associated with the second default payment account, wherein the first payment token and the second payment token are transmitted to the memory of the mobile device that is associated with host card emulation such that the first payment token is configured to facilitate contactless transactions of the first transaction type and the second payment token is configured to facilitate contactless transactions of the second payment type;

receiving, by the mobile wallet computing system, an update the one or more user-provided settings via the user registration interface of the registration terminal; and

in response to receiving the update to the one or more user-provided settings via the user registration interface of the registration terminal, automatically apply the update to the one or more user-provided settings to the mobile device, wherein automatically applying the update to the one or more user-provided settings includes receiving, by the registration terminal, the update to the one or more user-provided settings and transmitting, by the registration terminal to the mobile wallet computing system, the update to the one or more user-provided settings.

18 . The method of claim 17 , further comprising:

receiving, by the mobile wallet computing system, a user-created wallet access code from the mobile device of the user for registering the mobile device with the mobile wallet account.

19 . The method of claim 17 , wherein the one or more user-provided settings further includes a transaction amount limit, the transaction amount limit associated with transactions involving the first default payment account.

20 . The method of claim 17 , wherein the mobile wallet computing system and the online portal are maintained by a financial institution.

Continuity (2)

References Cited (126)