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

Claim 7:
8. A user device associated with a user, comprising:
a processing circuit comprising at least one processor coupled to at least one memory storing instructions that, when executed by the at least one processor, cause the processing circuit to:
transmit, to a computing system, a first input from a user regarding opening an account at an institution associated with the computing system;
establish a communication session based on exchanging encryption keys between the user device and the computing system;
in response to establishing the communication session, automatically install a client application;
display, via the client application, a graphical user interface (GUI) comprising a request for a user verification;
transmit, via the communication session, a received user verification to the computing system;
receive a second input to add the account associated with the institution to a mobile wallet on the user device;
prompt the user for a value regarding the account based on the second input to add the account to the mobile wallet; and
receive and store, 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.