US 11,694,188 B1
Systems and methods for contactless card activation
Deana Cook, Wilmington, DE (US); Darrell L. Suen, San Ramon, CA (US); and William E. Wheeler, San Francisco, CA (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 Aug. 5, 2020, as Appl. No. 16/986,111.
Application 16/986,111 is a continuation of application No. 16/703,539, filed on Dec. 4, 2019, granted, now 11,551,200.
Claims priority of provisional application 62/902,247, filed on Sep. 18, 2019.
Int. Cl. G06Q 20/34 (2012.01); G06Q 20/32 (2012.01); G06F 16/955 (2019.01)
CPC G06Q 20/354 (2013.01) [G06F 16/9566 (2019.01); G06Q 20/3226 (2013.01); G06Q 20/341 (2013.01)] 18 Claims
OG exemplary drawing
 
8. A system comprising:
a processor; and
a memory storing instructions that, when executed by the processor, cause the processor to perform operations comprising:
generate a customer-specific uniform resource locator (URL) for a contactless card for a customer, the customer-specific URL including a publicly accessible URL with an appended data field specific to the customer;
issue the contactless card with the customer-specific URL embedded thereon to the customer;
store, in a database, information regarding the customer, the information including the appended data field specific to the customer;
based on a short range contactless communication between a mobile device of the customer and the contactless card, extract the appended data field specific to the customer from the customer-specific URL and receive identifying information regarding the mobile device;
in response to extracting the appended data field specific to the customer, access, from the database, the information regarding the customer based on cross-referencing the appended data field specific to the customer to information stored in the database;
based on matching the appended data field with information stored in the database, provide a graphical user interface (GUI) to the mobile device, the GUI including a prompt for authentication information;
receive authentication information from the mobile device;
verify the authentication information based on cross-referencing the received authentication information with the information regarding the customer retrieved from the database using the appended data field specific to the customer;
in response to verifying the authentication information from the customer device, activate the contactless card for a subsequent use;
in response to activating the contactless card, receive an indication from the mobile device to register the mobile device with the activated contactless card by storing the identifying information regarding the registered mobile device with the contactless card in the database; and
in response to the registration of the mobile device and based on a second short range contactless communication between the registered mobile device of the customer and the contactless card, extract the appended data field specific to the customer from the customer-specific URL and provide a second graphical user interface (GUI) to the registered mobile device based on matching the appended data field and the identifying information regarding the registered mobile device with information stored in the database, the second GUI including an online login portal for accessing an account online that is associated with the contactless card, wherein the identifying information regarding the registered mobile device is used to automatically grant access to the account.