Wells Fargo Bank, N.a.

Prafullata Diwate

Ryan S Alexander

Lei Han

Nirmal Masih

Jason Martin

Alicia Laramy

Stephen Nixon

Poonam Chawla

A computing system includes a network interface circuit structured to facilitate data transmission over a network, and at least one processing circuit having one or more processors coupled to non-transitory memory storing instructions that when executed by the one or more processors, cause the at least one processing circuit to: receive account information from a customer device via a browser or an application on the customer device based on a first code being captured by the customer device that causes the browser or the application to launch on the customer device, the first code including a first unique identifier; receive a predetermined second code from the customer device, the predetermined second code including a second unique identifier; verify the second code by matching the second unique identifier to the first unique identifier; and open an account in response to verifying the second code.

Digital banker application system

Disclosed are systems and methods for passively authenticating users of a native application running on a mobile communications device. The user may be applying for a service, product, access, etc. from a provider computing system. A unique device identifier of the device may be acquired and provided to a first computing system. A mobile telephone number associated with the device may be received at the device. User information may be accepted from the user via a user interface of the device for entry into a set of fields. The mobile telephone number may be verified by determining, via a second computing system that is different from the first computing system, that the mobile telephone number is associated with the user information. The service/product/access for the user may be approved in response to verification of the mobile telephone number. The user may be authenticated without challenge questions.

Passive authentication during mobile application registration

A computing system includes a network interface circuit and a processing circuit comprising one or more processors coupled to non-transitory memory storing instructions that when executed by the one or more processors, cause the processing circuit to generate a first code displayable for capture by a customer device associated with a customer, generate a second code confirming an identity of the customer, provide the second code to a mobile device, receive customer information and an indication of a capture of the first code from the customer device, in response to receiving the second code from the customer device within a predefined parameter of the receiving of the customer information and the indication of the capturing of the first code from the customer device, analyze the customer information, and in response to verifying the customer information based on the analysis, cause an activation on behalf of the customer.

systems and methods are presented for passively authenticating users of a native application running on a mobile communications device. The user may be applying for a service, product, access, etc. from a provider computing system. A unique device identifier of the device may be acquired and provided to a first computing system. A mobile telephone number associated with the device may be received at the device. User information may be accepted from the user via a user interface of the device for entry into a set of fields. The mobile telephone number may be verified by determining, via a second computing system that is different from the first computing system, that the mobile telephone number is associated with the user information. The service/product/access for the user may be approved in response to verification of the mobile telephone number. The user may be authenticated without challenge questions.

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San Francisco, CA, United States of America

Prafullata Diwate