US 11,954,670 B1
Systems and methods for digital account activation
Ashish B. Kurani, Hillsborough, CA (US); Jenny Y. Tao, Belmont, CA (US); and Katherine M. Yee, Orinda, 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 Nov. 14, 2022, as Appl. No. 17/986,619.
Application 17/986,619 is a continuation of application No. 17/240,199, filed on Apr. 26, 2021, granted, now 11,501,287.
Application 17/240,199 is a continuation of application No. 16/665,677, filed on Oct. 28, 2019, granted, now 10,990,964.
Application 16/665,677 is a continuation of application No. 15/638,517, filed on Jun. 30, 2017, granted, now 10,460,312.
Int. Cl. G06Q 20/32 (2012.01); G06Q 20/34 (2012.01); G06Q 20/36 (2012.01); G07F 7/10 (2006.01); H04M 17/00 (2006.01)
CPC G06Q 20/36 (2013.01) [G06Q 20/32 (2013.01); G06Q 20/3221 (2013.01); G06Q 20/326 (2020.05); G06Q 20/34 (2013.01); G06Q 20/342 (2013.01); G06Q 20/3558 (2013.01); G07F 7/1008 (2013.01); H04M 17/20 (2013.01)] 20 Claims
OG exemplary drawing
 
8. A user device associated with a user, comprising:
a processing circuit comprising at least one processor coupled to at least one memory storing instructions that, when executed by the at least one processor, cause the processing circuit to:
transmit, to a computing system, a first input from a user regarding opening an account at an institution associated with the computing system;
establish a communication session based on exchanging encryption keys between the user device and the computing system;
in response to establishing the communication session, automatically install a client application;
display, via the client application, a graphical user interface (GUI) comprising a request for a user verification;
transmit, via the communication session, a received user verification to the computing system;
receive a second input to add the account associated with the institution to a mobile wallet on the user device;
prompt the user for a value regarding the account based on the second input to add the account to the mobile wallet; and
receive and store, via the communication session, a payment token for transactions via the mobile wallet before a physical card associated with the account is received by the user based on the value matching a stored value regarding the account.