Patent ID: 11941608
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 4:
5. A method comprising:
transmitting, via a contactless communication to a contactless enabled chip of a transaction card and from a customer device, a command comprising a random bit string and a request for a particular type of information, wherein the request is independent of a payment request and wherein the particular type of information comprises customer identity information;
providing, by the customer device of a customer, power to the transaction card;
receiving, via the contactless communication by the customer device from the transaction card in response to the request for the particular type of information, a near-field communication (“NFC”) tag from the transaction card, wherein the NFC tag contains a customer-specific uniform resource locator (“URL”) that is valid for a predefined number of uses, wherein the customer-specific URL includes a query string that includes a bit sequence embedded into a general URL, wherein the bit sequence is in a format selected from a plurality of formats, wherein the bit sequence is generated based on an encrypted information package, wherein the encrypted information package is encrypted according to a cryptographic algorithm selected from a plurality of cryptographic algorithms via a random bit string from a command provided from the customer device, and wherein the command comprises the random bit string and a request for the particular type of information comprising the customer identity information; and
responding, by the customer device, to the customer-specific URL by:
transmitting, to a card issuer computing system based on the query string of the customer-specific URL, the customer identity information to verify that the transaction card is associated with an account of the customer; and
displaying a credential reset webpage associated with the customer-specific URL that facilitates a reset of an online credential for accessing the account online.