Patent ID: 11928666
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G

Claim 0:
1. A method of accessing an account, the method comprising:
receiving, by a provider institution computing system from a customer device, registration information regarding the customer device;
registering, by the provider institution computing system, the customer device with an account by storing the registration information regarding the customer device in a customer profile of a customer in a database of the provider institution computing system;
receiving, by a transaction card processing circuit of the provider institution computing system from the customer device while the customer device depicts a login page for the account, information regarding the customer device, an indication that the customer has logged into the customer device, and information regarding a contactless card associated with the account, the information regarding the customer device including a customer device token associated with the customer device and the 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, by the transaction card processing circuit 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, the 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 profile of the customer within the database using the decrypted contactless card token; and
verifying that the customer is logged in to the customer device that is registered with the account by identifying received customer information within the database, wherein the received customer information is associated with the customer profile within the database based on the registration of the customer device with the account; and

providing, by the transaction card processing circuit, access online to the account by sending an instruction to the customer device to display online account information in place of the login page based on the authentication.