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US-20260127580-A1 - SYSTEMS AND METHODS FOR MOBILE WALLET PROVISIONING

US20260127580A1US 20260127580 A1US20260127580 A1US 20260127580A1US-20260127580-A1

Abstract

A method for initiating a provisioning of payment account information to a mobile wallet includes displaying, by an initiating device in communication with a provider computing system, a user interface configured to initiate the provisioning information regarding one or more payment accounts; receiving, by the initiating device via the user interface, authentication information to authenticate a user associated with the mobile wallet; receiving, by the initiating device from the provider computing system, account information for provisioning to the mobile wallet, the account information identifying eligible payment accounts retrieved by the provider computing system based on the authentication information; displaying, by the initiating device, a list of identifiers of the eligible payment accounts for provisioning; and receiving, by the initiating device via the user interface, a selection of an identifier of a payment account from the list for provisioning information regarding the payment account to the mobile wallet.

Inventors

  • Peter Ho
  • Ashish B. Kurani
  • Brian M. Pearce
  • Steven E. Puffer

Assignees

  • WELLS FARGO BANK, N.A.

Dates

Publication Date
20260507
Application Date
20251229

Claims (20)

  1. 1 . A method for initiating a provisioning of payment account information to a mobile wallet, the method comprising: displaying, by an initiating device in communication with a provider computing system, a user interface configured to initiate provisioning of information regarding one or more payment accounts; receiving, by the initiating device via the user interface, authentication information, wherein the authentication information authenticates a user associated with the mobile wallet; receiving, by the initiating device from the provider computing system, account information for provisioning to the mobile wallet, the account information identifying one or more eligible payment accounts retrieved by the provider computing system based on the authentication information; displaying, by the initiating device via the user interface, a list of identifiers of the one or more eligible payment accounts for provisioning; and receiving, by the initiating device via the user interface, a selection of an identifier regarding a payment account from the list for provisioning information regarding the payment account to the mobile wallet.
  2. 2 . The method of claim 1 , wherein the provisioned information comprises at least one of a digital token associated with sensitive information configured for interpretation by an authorized computing system or a digital code configured for utilization as a payment credential.
  3. 3 . The method of claim 1 , wherein at least a portion of the account information is associated with a primary account number of the payment account.
  4. 4 . The method of claim 1 , wherein the payment account comprises a credit card or debit card account, and wherein the account information comprises a payment token comprising a sixteen digit number configured for utilization in place of an original sixteen digit number of a credit card or debit card corresponding to the credit card or debit card account.
  5. 5 . The method of claim 1 , further comprising authorizing the account information for use in a mobile wallet transaction.
  6. 6 . The method of claim 1 , wherein the authentication information is received via a short-range communication between a mobile device of the user and the initiating device.
  7. 7 . The method of claim 6 , wherein the authentication information is encrypted authentication information that is encrypted by the mobile device prior to being received by the initiating device.
  8. 8 . The method of claim 1 , wherein the initiating device is separate and distinct from a mobile device of the user.
  9. 9 . A computing system for initiating a provisioning of payment account information to a mobile wallet, the computing system comprising: an initiating device in communication with a provider computing system, the initiating device comprising a circuit configured to: display a user interface configured to initiate provisioning information regarding one or more payment accounts; receive, via the user interface, authentication information, wherein the authentication information authenticates a user associated with the mobile wallet; receive, from the provider computing system, account information for provisioning to the mobile wallet, the account information identifying one or more eligible payment accounts retrieved by the provider computing system based on the authentication information; display, via the user interface, a list of identifiers regarding the one or more eligible payment accounts for provisioning; and receive, via the user interface, a selection of an identifier of a payment account from the list for provisioning information regarding the payment account to the mobile wallet.
  10. 10 . The computing system of claim 9 , wherein the provisioned information comprises at least one of a digital token associated with sensitive information configured for interpretation by an authorized computing system or a digital code configured for utilization as a payment credential.
  11. 11 . The computing system of claim 9 , wherein at least a portion of the account information is associated with a primary account number of a payment account associated with the user.
  12. 12 . The computing system of claim 9 , wherein the payment account comprises a credit card or debit card account, and wherein the account information comprises a payment token comprising a sixteen digit number configured for utilization in place of an original sixteen digit number of a credit card or debit card corresponding to the credit card or debit card account.
  13. 13 . The computing system of claim 9 , wherein the circuit is further configured to authorize the account information for use in a mobile wallet transaction.
  14. 14 . The computing system of claim 9 , wherein the authentication information is received via a short-range communication between a mobile device of the user and the initiating device.
  15. 15 . The computing system of claim 14 , wherein the authentication information is encrypted authentication information that is encrypted by the mobile device prior to being received by the initiating device.
  16. 16 . The computing system of claim 9 , wherein the initiating device is separate and distinct from a mobile device of the user.
  17. 17 . A non-transitory computer-readable medium storing instructions that, when executed by one or more processors, cause the one or more processors to perform operations comprising: displaying a user interface configured to initiate a provisioning of information regarding one or more payment accounts to a mobile wallet; receiving, via the user interface, authentication information, wherein the authentication information authenticates a user associated with the mobile wallet; receiving, from a provider computing system, account information for provisioning to the mobile wallet, the account information identifying one or more eligible payment accounts retrieved by the provider computing system based on the authentication information; displaying, via the user interface, a list of identifiers regarding the one or more eligible payment accounts for provisioning; and receiving, via the user interface, a selection of an identifier of a payment account from the list for provisioning information regarding the payment account to the mobile wallet.
  18. 18 . The non-transitory computer-readable medium of claim 17 , wherein the provisioned information comprises at least one of a digital token associated with sensitive information configured for interpretation by an authorized computing system or a digital code configured for utilization as a payment credential.
  19. 19 . The non-transitory computer-readable medium of claim 17 , wherein at least a portion of the account information is associated with a primary account number of a payment account associated with the user.
  20. 20 . The non-transitory computer-readable medium of claim 17 , wherein the payment account comprises a credit card or debit card account, and wherein the account information comprises a payment token comprising a sixteen digit number configured for utilization in place of an original sixteen digit number of a credit card or debit card corresponding to the credit card or debit card account.

Description

CROSS-REFERENCE TO RELATED APPLICATIONS This application is a continuation of U.S. patent application Ser. No. 18/810,061 titled “SYSTEMS AND METHODS FOR MOBILE WALLET PROVISIONING,” filed Aug. 20, 2024, which is a continuation of U.S. patent application Ser. No. 18/135,631 titled “SYSTEMS AND METHODS FOR PROVIDING A CODE TO A USER DEVICE,” filed Apr. 17, 2023, which is a continuation of U.S. patent application Ser. No. 17/373,392 titled “SYSTEMS AND METHODS FOR MOBILE WALLET PROVISIONING,” filed Jul. 12, 2021, which is a continuation of U.S. patent application Ser. No. 15/370,095 titled “SYSTEMS AND METHODS FOR MOBILE WALLET PROVISIONING,” filed Dec. 6, 2016, which is a continuation of U.S. patent application Ser. No. 15/255,880, titled “SYSTEMS AND METHODS FOR MOBILE WALLET PROVISIONING,” filed on Sep. 2, 2016, which claims priority to U.S. Provisional Patent Application No. 62/326,676, entitled “SYSTEMS AND METHODS FOR MOBILE WALLET PROVISIONING,” filed on Apr. 22, 2016, all of which are incorporated herein by reference in their entireties and for all purposes. BACKGROUND Many financial institution customers are able to complete various financial transactions through their mobile computing devices. The customers may set up their mobile devices to organize and selectively exchange payment information with transaction terminals, and with each other, in the absence of physical payment cards. Payment information may be managed by various software programs, including “mobile wallets” offered by mobile device manufacturers, financial institutions or other third party software developers. To exchange payment information, many mobile wallets utilize payment tokens, which are surrogate values that replace a user's (e.g., cardholder's) primary account number (“PAN”) associated with a payment card, such as a credit card, debit card, stored value card, etc. SUMMARY One embodiment of the present disclosure relates to a method for provisioning a payment account to a mobile wallet includes receiving a request to provision a payment token configured to facilitate a mobile wallet transaction. The method includes receiving a payment account configured for provision to a mobile wallet, generating the payment token responsive to the request to provision the payment token, associating the payment token with the payment account, receiving account information for a payment account, receiving address information from a mobile device associated with the mobile wallet, the address information uniquely identifying the mobile wallet, and provisioning the payment token associated with the payment account to the mobile wallet responsive to receiving the address information and the account information. BRIEF DESCRIPTION OF THE FIGURES The details of one or more implementations are set forth in the accompanying drawings and the description below. Other features, aspects, and advantages of the disclosure will become apparent from the description, the drawings, and the claims, in which: FIG. 1 is a schematic diagram of a mobile payment provisioning system, according to an example embodiment. FIG. 2 is a schematic flow diagram of a process for provisioning a payment account to a mobile wallet using the system of FIG. 1, according to an example embodiment. FIG. 3 is a schematic flow diagram of a process for provisioning a payment account to a mobile wallet using the system of FIG. 1, according to another example embodiment. FIG. 4 is a schematic flow diagram of a process for provisioning a payment account to a mobile wallet using the system of FIG. 1, according to another example embodiment. FIG. 5 is a schematic flow diagram of a process for provisioning a payment account to a mobile wallet using the system of FIG. 1, according to another example embodiment. DETAILED DESCRIPTION Various embodiments discussed herein relate to systems and methods for provisioning payment accounts to a mobile wallet implemented on a mobile device. In some embodiments, provisioning is initiated from a physical channel (i.e., an initiating device) that is separate and distinct from the mobile device associated with the mobile wallet. For example, a user may initiate provisioning of a payment account to the mobile wallet from an automated teller machine (ATM), a customer interface located at a branch location of a financial institution, or a user personal computing device (e.g., desktop computer, laptop, etc.) other than the associated mobile device. For example, a user may sign up for a credit card account at a branch location of the financial institution. After the credit card has been approved, the banker may ask the user if the user would like for the new credit card to be provisioned to the user's mobile wallet. Upon agreement from the user, the banker may initiate provisioning from a banker computer used by the banker, such that the user does not need to open the mobile wallet application and initiate the provisioning from within the mobile wallet. As ano