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

Claim 0:
1. A computer-implemented method, comprising:
transmitting, by a user device to a computing system, a first input from a user regarding opening an account at an institution associated with the computing system;
establishing, by the user device, a communication session based on exchanging encryption keys between the user device and the computing system;
in response to establishing the communication session, automatically installing, by the user device, a client application;
displaying, via the client application on the user device, a graphical user interface (GUI) comprising a request for a user verification;
transmitting, by the user device via the communication session, a received user verification to the computing system;
receiving, by the user device, a second input to add the account associated with the institution to a mobile wallet on the user device;
prompting, by the user device, 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, by the user device via the communication session, a payment token for transactions via the mobile wallet before a physical card associated with the account of the computing system is received by the user based on the value matching a stored value regarding the account.