Patent ID: 11954670
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 14:
15. A non-transitory computer-readable storage media having instructions stored thereon that, when executed by at least one processing circuit, cause operations comprising:
transmitting, to a computing system, a first input from a user regarding opening an account at an institution associated with the computing system;
establishing a communication session based on exchanging encryption keys between a user device and the computing system;
in response to establishing the communication session, automatically installing a client application;
displaying, via the client application, a graphical user interface (GUI) comprising a request for a user verification;
transmitting, via the communication session, a received user verification to the computing system;
receiving a second input to add the account associated with the institution to a mobile wallet on the user device;
prompting the user for a value regarding the account based on the second input to add the account to the mobile wallet; and
receiving and storing, via the communication session, a payment token for transactions via the mobile wallet before a physical card associated with the account is received by the user based on the value matching a stored value regarding the account.