Patent ID: 11869010
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A computing system comprising a processor and a network circuit configured to:
generate a token for use by a mobile application running on a mobile device in transactions involving a financial account;
provision the token to the mobile application by transmitting, over the internet via the network circuit, the token to the mobile device;
receive, over the internet, a request for authorization of a transaction by the mobile application running on the mobile device, with a transaction terminal, the request comprising the token;
determine, in response to receiving the request for authorization, that a physical card being within a range is required to authorize the transaction;
in response to determining that the physical card being within the range is required to authorize the transaction, transmit, over the internet via the network circuit, a request to determine whether the physical card is within the range to the mobile device, to cause the mobile device to:
communicate, via a personal area network created by the mobile device, using a short range wireless communication protocol and a wireless transceiver of the mobile device, with a plurality of physical cards within a wireless range of the mobile device, to detect that a physical card of the plurality of physical cards that corresponds to the financial account is physically located within range of the short range wireless transceiver, each of the plurality of physical cards having a microchip;

receive, over the internet from the mobile device, responsive to causing the mobile device to communicate with the microchip of each of the plurality of physical cards, an indication that the microchip of the physical card corresponding to the financial account is within range of the short range wireless transceiver; and
transmit, over the internet, authorization for the transaction to the transaction terminal when the microchip of the physical card corresponding to the financial account is within the range of the short range wireless transceiver of the mobile device, and otherwise deny the transaction.