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

Claim 8:
9. A method of accessing an online account, the method comprising:
registering, via a mobile device, the mobile device with the online account provided by a financial institution by transmitting registration information regarding a customer associated with the mobile device to the financial institution;
wirelessly receiving, via a contactless communication by the mobile device from a transaction card while a graphical user interface of the mobile device depicts a login page for the online account, information stored on the transaction card including an encrypted contactless card token, the encrypted contactless card token identifying the customer within a database of the financial institution;
responding, by the mobile device, to the information stored on the transaction card by:
transmitting, by the mobile device to a financial institution computing system, the information stored on the transaction card, an indication that the customer is logged in to the mobile device, and information regarding the mobile device, the information regarding the mobile device including a mobile device token associated with the mobile device, wherein the mobile device token is configured to verify that the mobile device is associated with the customer in the database of the financial institution based on the registration;

receiving, by the mobile device from the financial institution computing system while the graphical user interface of the mobile device depicts the login page for the online account and based on transmitting the information stored on the transaction card and the information regarding the mobile device, an indication of an authentication of the customer, the authentication based on an identification of the registration information regarding the customer in the database of the financial institution and a verification that the customer is logged in to the mobile device;
receiving, by the mobile device from the financial institution, an instruction to display online account information in place of the login page; and
providing, via the graphical user interface of the mobile device based on the received instruction, access to the online account in response to receiving the indication of the authentication of the customer.