US 11,928,668 B1
Mobile wallet using tokenized card systems and methods
Ashish Bhoopen Kurani, Burlingame, CA (US); Nikolai Stroke, Gilbert, CA (US); Bipin Sahni, Pleasanton, CA (US); Stephen M. Ellis, San Francisco, CA (US); and Steve Puffer, Champlin, MN (US)
Assigned to Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed by Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed on Oct. 3, 2022, as Appl. No. 17/959,205.
Application 17/959,205 is a continuation of application No. 14/471,920, filed on Aug. 28, 2014, granted, now 11,461,766.
Application 14/471,920 is a continuation in part of application No. 14/266,580, filed on Apr. 30, 2014, granted, now 9,652,770.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/34 (2012.01); G06Q 20/36 (2012.01)
CPC G06Q 20/36 (2013.01) [G06Q 20/352 (2013.01); G06Q 20/40 (2013.01)] 16 Claims
OG exemplary drawing
 
1. A computer-implemented method, comprising:
receiving, by a computer system, a fund access request from a user device associated with a user, the fund access request being made in connection with a payment transaction;
generating, by the computer system, a tokenized card number based on an actual card account number of the user that substitutes the actual card account number in the payment transaction;
providing, by the computer system, a code to the user device, wherein the code includes the tokenized card number and a numeric or alphanumeric string of values in a separate field from the tokenized card number;
determining, by the computer system, that the numeric or alphanumeric string of values in the code transmitted to the user device matches a numeric or alphanumeric string of values in a field of a code received from a separate computer system;
receiving, by the computer system, location information indicative of a location of the user device;
receiving, by the computer system, a merchant location associated with the payment transaction;
determining, by the computer system, that the location of the user device matches the merchant location;
authenticating, by the computer system, the payment transaction based on the numeric or alphanumeric match and the location match; and
transmitting, by the computer system, the actual card account number to the separate computer system as part of the payment transaction.