Systems and methods for mobile wallet provisioning

Patent metadata

Field	Value
Publication number	US-12561673-B2
Application number	US-202418810061-A
Country	US
Kind code	B2
Filing date	Aug 20, 2024
Priority date	Apr 22, 2016
Publication date	Feb 24, 2026
Grant date	Feb 24, 2026

Abstract

A method for initiating a provisioning of a payment account to a mobile wallet includes 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 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.

First claim

What is claimed is:

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.

Assignees

• Wells Fargo Bank Na

Inventors

• Ho Peter
• Kurani Ashish B
• Pearce Brian M
• Puffer Steven E

Classifications

• G06Q20/4014

  Identity check for transactions · CPC title

• G06Q20/3674

  involving authentication · CPC title

• G06Q20/3223

  Realising banking transactions through M-devices · CPC title

• G06Q20/227

  characterised in that multiple accounts are available, e.g. to the payer · CPC title

• G06Q20/108

  Remote banking, e.g. home banking · CPC title