Patent ID: 11935045
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A computer-implemented method, comprising:
providing, by a computer system operated by a first institution, a mobile wallet on a mobile device of a user;
generating, by the computer system, a customer token regarding the user;
generating, by the computer system, a device token regarding the mobile device;
encrypting and sending, by the computer system to the mobile device, the customer token regarding the user and the device token regarding the mobile device;
receiving, by the computer system, a user credential associated with a second institution;
accessing, by the computer system based on the received user credential associated with the second institution, information regarding an account of the user at the second institution;
automatically provisioning, by the computer system, the account of the user at the second institution to the mobile wallet;
providing, by the computer system, tokenized account information associated with the provisioned account to the mobile wallet;
receiving, by the computer system, an input of a login credential associated with the first institution from the mobile device;
receiving, by the computer system, an indication of an initiation of a mobile wallet transaction;
validating and identifying, by the computer system, the user based on the received login credential and the customer token stored on the mobile device responsive to receiving the indication of the initiation of the mobile wallet transaction;
validating, by the computer system, the mobile wallet of the mobile device based on the device token stored on the mobile device responsive to receiving the indication of the initiation of the mobile wallet transaction; and
transferring, by the computer system, funds from the provisioned account to a recipient as part of the mobile wallet transaction responsive to validating the user and the mobile wallet.