Wells Fargo Bank, N.a.

Deana Cook

William E Wheeler

Darrell Lee Suen

A method, apparatus, and system of activating and using a contactless card via unique activation codes are disclosed. A system includes a memory and a processor configured to: receive an account number for a contactless card from a third party computing system; generate a card activation code for the contactless card, the card activation code being unique to the contactless card; generate a customer-specific uniform resource locator (URL) by appending the card activation code to a general URL, the general URL being associated with an entity of the system; transmit the customer-specific URL to the third party computing system with instructions to write the customer-specific URL into a wireless chip of the contactless card; associate the card activation code with the account number and information regarding a customer associated with the contactless card; and store the card activation code within the memory to be referenced during activation.

Systems and methods for contactless card activation via unique activation codes

Systems and methods for activating a transaction card are provided. A method includes: receiving a uniform resource locator (URL) and an encrypted key stored on a contactless transaction card from a first contactless communication between the contactless transaction card and a customer device; decrypting the encrypted key to identify information regarding the contactless transaction card; providing a web site associated with the URL for display, wherein the web site comprises a field automatically populated based on the identified information regarding the contactless transaction card; activating the contactless transaction card in response to verifying the identified information regarding the contactless transaction card; receiving information associated with the contactless transaction card from a second contactless communication between the contactless transaction card and the customer device; and resetting a credential for accessing an account associated with the contactless transaction card.

Systems and methods for activating a transaction card

A method of accessing an account includes receiving randomly generated seed information and an encrypted cryptographic key or token generated by a contactless card using the seed information via a contactless communication between the contactless card and the customer device; determining whether the randomly generated seed information matches previously received seed information; decrypting the encrypted cryptographic key or token using a decryption process that includes the seed information and the encrypted cryptographic key or token as inputs in response to determining that the randomly generated seed information does not match previously received seed information; identifying the customer associated with the contactless card based on the decrypted cryptographic key or token; and providing, to the customer device, access to the account in response to identifying the customer.

Systems and methods for a transaction card having a cryptographic key

A method, apparatus, and system of activating and using a contactless card are disclosed. More particularly, a transaction card that includes a contactless enabled chip having a customer-specific uniform resource locator (URL) stored thereon, where the contactless enabled chip is configured to communicate the customer-specific URL to a mobile device via a contactless communication to activate the transaction card for use in a transaction.

Systems and methods for a transaction card having a customer-specific URL

A method, apparatus, and system of activating and using a contactless card are disclosed. More particularly, a method of accessing an account is disclosed. The method includes receiving, by a transaction card processing circuit from a customer device, information regarding the customer device and information regarding a contactless card associated with the account, where the information regarding the contactless card is received by the customer device via a contactless communication with the contactless card, authenticating a customer associated with the contactless card based on the information regarding the customer device and the information regarding the contactless card, and providing access to the account by the customer device based on the authentication.

Systems and methods for passwordless login via a contactless card

A method, apparatus, and system of activating and using a contactless card are disclosed. A mobile device includes a wireless chip structured to allow short-range wireless communications (e.g., a near-field communication), a processor, and a memory storing instructions. The mobile device is configured to communicate with a contactless card via a short-range wireless communication and receive a customer-specific uniform resource locator (URL) from the contactless card via a wireless chip. In response, the mobile device is configured to automatically open a web browser and navigate to a website associated with the customer-specific URL. The customer-specific URL identifying the client associated with the contactless card. The mobile device then prompts, via a GUI on the display, a user for authentication information, and based on a verification of the authentication information, display a confirmation page indicating activation of the contactless card.

Systems and methods for contactless card activation

A method, apparatus, and system of activating and using a contactless card are disclosed. More particularly, a transaction card including a contactless enabled chip having payment information and identity information stored thereon, where the contactless enabled chip is configured to communicate the identity information to a mobile device via a contactless communication, and where the identity information comprises a cryptographic key, cryptographic token, or a digital certificate is disclosed.

A method, apparatus, and system of activating and using a contactless card are disclosed. A method includes receiving a transaction card application for a contactless transaction card from an applicant; issuing a contactless transaction card based on the transaction card application, wherein the contactless transaction card comprises a uniform resource locator (URL) embedded thereon; and activating the contactless transaction card in response to receiving information from a contactless communication between the contactless transaction card and a customer device, wherein the contactless communication causes access to a web site associated with the URL.

Growing community of inventors

Wilmington, DE, United States of America

Deana Cook