Patent ID: 11868989
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 14:
15. A system comprising:
at least one processor; and
at least one memory storing instructions that, when executed by the at east one processor, configure the at least one processor to perform operations comprising:
establishing a first wireless communication path between a mobile wallet and a smart card;
determining that the mobile wallet and the smart card are companions, the determining comprising:
sending identification data from the mobile wallet to the smart card over the first wireless communication path; and
determining that the identification data matches a unique device identification for the mobile wallet stored at the smart card;

sending supplemental data from the mobile wallet to the companion smart card over the first wireless communication path, the smart card comprising a memory having a non-resident data portion that is accessible to the mobile wallet and a resident data portion that is inaccessible to the mobile wallet, the supplemental data comprising location data indicating a location of the mobile device;
storing the supplemental data at the non-resident data portion of the memory;
establishing communication between the smart card and a POS device over a second wireless communication path different than the first wireless communication path, wherein the sending of the supplemental data from the mobile wallet to the companion smart card occurs while the smart card and the POS device are in communication over the second wireless communication path; and
sending the supplemental data and transaction request data, the transaction request data describing a transaction to the POS device, the transaction request data comprising unique account information describing a mobile wallet element for the transaction.