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

Claim 12:
13. A system comprising:
a processor; and
a memory storing instructions that, when executed by the processor, cause operations comprising:
receive, from a customer device, registration information regarding the customer device;
register the customer device with an account by storing the registration information regarding the customer device in a customer profile of a customer;
receive, via a contactless communication from the customer device while the customer device depicts a login page for the account, information regarding the customer device, an indication that the customer is logged in to the customer device, and information regarding a contactless card associated with the account the information regarding the customer device including a customer device token associated with the customer device and the information regarding the contactless card including an encrypted contactless card token that is received by the customer device from a contactless communication with the contactless card;
authenticate a customer associated with the contactless card while the customer device depicts the login page for the account based on the information regarding the customer device, the indication that the customer is logged in to the customer device, and the information from the contactless card by:
decrypting the encrypted contactless card token;
identifying the customer profile of the customer using the decrypted contactless card token; and
verifying that the customer is logged in to the customer device that is registered with the account by identifying received customer information, wherein the received customer information is associated with the customer profile based on the registration of the customer device with the account; and

provide access online to the account by sending an instruction to the customer device to display online account information in place of the login page based on the authentication.