US 11,748,736 B1
Mobile wallet integration within mobile banking
Ashish Bhoopen Kurani, Burlingame, CA (US); Nikolai Stroke, Gilbert, CA (US); Bipin Sahni, Pleasanton, CA (US); and Stephen M. Ellis, 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 Sep. 30, 2014, as Appl. No. 14/501,907.
Application 14/501,907 is a continuation in part of application No. 14/266,580, filed on Apr. 30, 2014, granted, now 9,652,770.
Int. Cl. G06Q 20/32 (2012.01); G06Q 20/10 (2012.01); G06Q 20/36 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/3221 (2013.01) [G06Q 20/108 (2013.01); G06Q 20/36 (2013.01); G06Q 20/40 (2013.01)] 10 Claims
OG exemplary drawing
 
1. A computer-implemented method, comprising:
receiving, by a financial institution computer system, online banking login credentials from a mobile device via an online banking website of a financial institution;
initiating, by the financial institution computer system, a mobile online banking session for a user;
presenting, by the financial institution computer system, during the mobile online banking session, the user with a link;
providing, by the financial institution computer system, a mobile wallet application on the mobile device based on receiving a selection of the link;
generating, by the financial institution computer system, a customer token regarding the user;
generating, by the financial institution computer system, a first device token to authenticate a first mobile wallet session;
registering, by the financial institution computer system, the mobile device during the mobile online banking session;
transmitting, by the financial institution computer system during the mobile online banking session, the first device token to the mobile device that identifies the mobile device in the financial institution computer system based on the financial institution computer system matching the first device token with information stored in the financial institution computer system and transmitting the customer token to the mobile device that identifies the user in the financial institution computer system based on the financial institution computer system matching the customer token with information stored in the financial institution computer system;
receiving, by the financial institution computer system, first mobile wallet login credentials from the mobile device for the first mobile wallet session, the first mobile wallet login credentials comprising the first device token and the customer token;
validating, by the financial institution computer system, the user for the first mobile wallet session based on the financial institution computer system matching the first mobile wallet login credentials, the customer token, and the first device token;
receiving, by the financial institution computer system during the first mobile wallet session, an indication for a first mobile wallet transaction;
generating, by the financial institution computer system during the first mobile wallet session, a first payment token comprising account information and a first code, the account information identified based on the financial institution computer system matching the first device token with information stored in the financial institution computer system, and the first code being in a Track 1 or a Track 2 format and including tokenized card data;
providing, by the financial institution computer system during the first mobile wallet session, the first payment token to the mobile device;
generating, by the financial institution computer system during the first mobile wallet session, a second device token to authenticate a second mobile wallet session;
transmitting, by the financial institution computer system during the first mobile wallet session, the second device token to the mobile device that identifies the mobile device in the financial institution computer system based on the financial institution computer system matching the second device token with information stored in the financial institution computer system;
receiving, by the financial institution computer system, an indication from the mobile device to initiate the second mobile wallet session for the user;
receiving, by the financial institution computer system, second mobile wallet login credentials from the mobile device for the second mobile wallet session, the second mobile wallet login credentials comprising the second device token and the customer token;
validating, by the financial institution computer system, the user for the second mobile wallet session and the mobile device for the second mobile wallet session based on the financial institution computer system matching the second mobile wallet login credentials, the customer token, and the second device token;
generating, by the financial institution computer system during the second mobile wallet session, a third device token to authenticate a third mobile wallet session;
transmitting, by the financial institution computer system during the second mobile wallet session, the third device token to the mobile device that identifies the mobile device;
generating, by the financial institution computer system during the second mobile wallet session, a second payment token comprising account information and a second code; and
providing, by the financial institution computer system during the second mobile wallet session, the second payment token to the mobile device.