The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Sep. 22, 2026

Filed:

Dec. 22, 2023
Applicant:

Wells Fargo Bank, N.a., San Francisco, CA (US);

Inventors:

Deana Cook, Wilmington, DE (US);

Darrell L. Suen, San Ramon, CA (US);

William E. Wheeler, San Francisco, CA (US);

Assignee:

Wells Fargo Bank, N.A., San Francisco, CA (US);

Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 20/40 (2012.01); G06F 16/955 (2019.01); G06F 21/31 (2013.01); G06F 21/32 (2013.01); G06F 21/33 (2013.01); G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); G06Q 20/34 (2012.01); G06Q 20/38 (2012.01); H04B 5/72 (2024.01); H04L 9/32 (2006.01); H04L 67/02 (2022.01);
U.S. Cl.
CPC ...
G06Q 20/354 (2013.01); G06F 16/9566 (2019.01); G06F 21/31 (2013.01); G06F 21/32 (2013.01); G06F 21/33 (2013.01); G06Q 20/204 (2013.01); G06Q 20/3226 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/341 (2013.01); G06Q 20/352 (2013.01); G06Q 20/353 (2013.01); G06Q 20/38215 (2013.01); G06Q 20/4012 (2013.01); G06Q 20/40145 (2013.01); G06Q 20/409 (2013.01); G06Q 20/40975 (2013.01); H04B 5/72 (2024.01); H04L 9/3213 (2013.01); H04L 9/3226 (2013.01); H04L 9/3234 (2013.01); H04L 67/02 (2013.01); G06Q 2220/00 (2013.01); H04L 2209/56 (2013.01);
Abstract

A method includes receiving, from a customer device while the customer device depicts a login page for an account, information regarding the customer device including a customer device token and information regarding the contactless card including an encrypted contactless card token that is received by the customer device from a contactless communication with the contactless card; authenticating, while the customer device depicts the login page for the account, a customer associated with the contactless card based on the information regarding the customer device, an indication that the customer has logged into the customer device, and the information regarding the contactless card by: decrypting the encrypted contactless card token; identifying the customer; verifying that the customer is logged in to the customer device; and providing access to the account by sending an instruction to the customer device to display online account information in place of the login page.


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