Patent ID: 11935045
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 8:
9. A computer system operated by a first institution, the computer system comprising:
one or more processors; and
a non-transitory machine-readable media storing instructions that, when executed by the one or more processors, cause the one or more processors to perform operations comprising:
providing a mobile wallet on a mobile device of a user;
generating a customer token regarding the user;
generating a device token regarding the mobile device;
encrypting and sending to the mobile device the customer token regarding the user and the device token regarding the mobile device;
receiving a user credential associated with a second institution;
accessing information regarding an account of the user at the second institution;
automatically provisioning the account of the user at the second institution to the mobile wallet;
providing tokenized account information associated with the provisioned account to the mobile wallet;
receiving an indication of an initiation of a mobile wallet transaction from the mobile device;
validating and identifying the user based on the received customer token stored on the mobile device responsive to receiving the indication of the initiation of the mobile wallet transaction;
validating the mobile wallet of the mobile device based on the device token stored on the mobile device responsive to receiving the indication of the initiation of the mobile wallet transaction; and
transferring funds from the provisioned account to a recipient as part of the mobile wallet transaction responsive to validating the user and the mobile wallet.