# US 11,908,286 B2 · Computer-based system for provisioning new accounts using location-based authentication > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 11,908,286 B2 - Document ID: US11908286B2 - Status: Granted - Kind: B2 - Application number: 18/188,121 - Filed: 2023-03-22 - Published: 2023-07-13 - Granted: 2024-02-20 - Earliest claimed: 2021-02-09 - Assignees: Wells Fargo Bank, N.A. - Applicants: Wells Fargo Bank, N.A. - Inventors: Shari Van Cleave; Darren Michael Goetz; Dennis Emmanuel Montenegro - Web page: https://patentgrep.com/patent/US11908286B2 ## CPC - G07F 19/204: {Loading of a stored value token using an ATM} - G06Q 20/3224: {Transactions dependent on location of M-devices} - G06Q 20/3674: {involving authentication} - G06Q 20/4097: {using mutual authentication between devices and transaction partners} - G07F 19/203: {Dispensing operations within ATMs (dispensing in general G07D11/00)} - G07F 19/206: {Software aspects at ATMs} - G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00}) - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract A method comprises receiving, by a computing device from a customer device, a request to provision a financial account for the customer, associating, by the computing device, a mobile device with the requested financial account, and sending, by the computing device to the mobile device, authentication information for the requested financial account. The method further includes receiving the authentication information by the computing device from a financial terminal that received the authentication information from the mobile device, receiving, by the computing device, first location information of the mobile device, and provisioning, by the computing device and based on the first location information of the mobile device being within a predetermined distance of a location of the financial terminal, the requested financial account for the customer. ## Claims ### Claim 1 A method comprising: receiving, by a computing device from a customer device, a request to provision a financial account for a customer; verifying, by the computing device, a first location of a mobile device of the customer associated with the requested financial account being within a predetermined distance of an expected location of the customer; receiving, by the computing device from a financial terminal, authentication information, wherein the financial terminal received the authentication information from the mobile device; based on a second location of the mobile device not being within a predetermined distance of a location of the financial terminal, sending, from the computing device to the financial terminal or the mobile device, information indicative of an authentication challenge; and provisioning, by the computing device, the financial account based on a customer answer passing the authentication challenge. ### Claim 2 (depends on 1) The method of claim 1, further comprising: associating, by the computing device, the mobile device with the requested financial account, wherein associating the mobile device with the requested financial account is based on the first location of the mobile device being within the predetermined distance of the expected location of the customer. ### Claim 3 (depends on 1) The method of claim 1, wherein the computing device receives the first location of the mobile device within a first predetermined time from receiving the request to provision the financial account, and wherein the computing device receives the second location of the mobile device within a second predetermined time from receiving the authentication information from the financial terminal. ### Claim 4 (depends on 1) The method of claim 1, wherein the expected location of the customer is based on customer travel plans. ### Claim 5 (depends on 1) The method of claim 1, wherein the expected location of the customer is based on a customer location history, wherein the customer location history is based on at least one of a mobile device location history, a credit and/or debit card usage history, an internet browsing history, and a financial terminal use history. ### Claim 6 (depends on 1) The method of claim 1, wherein receiving the second location of the mobile device comprises: sending, via the computing device to the mobile device, a request for the mobile device to send the second location of the mobile device to the computing device; and receiving, via the computing device from the mobile device, the second location in response to the request for the mobile device to send the second location information. ### Claim 7 (depends on 6) The method of claim 6, wherein the request for the mobile device to send the second location of the mobile device comprises a push notification, wherein the computing device receives the second location of the mobile device from the mobile device in response to the customer indicating to send the second location. ### Claim 8 (depends on 1) The method of claim 1, wherein the authentication information includes at least one of a quick response (QR) code, a barcode, an audio file, an image, an alphanumeric code, a graphic code, and mobile device identification information. ### Claim 9 (depends on 1) The method of claim 1, further comprising: receiving, by the computing device and from the financial terminal or the mobile device, the customer answer in response to the authentication challenge. ### Claim 10 (depends on 1) The method of claim 1, further comprising, based on the customer answer not passing the authentication challenge, sending, from the computing device to the financial terminal or the mobile device, instructions for authenticating the financial account request. ### Claim 11 A computing device comprising: a memory; and one or more processors in communication with the memory, the one or more processors configured to: receive, from a customer device, a request to provision a financial account for a customer; verify a first location of a mobile device of the customer associated with the requested financial account being within a predetermined distance of an expected location of the customer; receive, from a financial terminal, authentication information, wherein the financial terminal received the authentication information from the mobile device; based on a second location of the mobile device not being within a predetermined distance of a location of the financial terminal, send, to the financial terminal or the mobile device, information indicative of an authentication challenge; and provision, by the computing device, the financial account based on a customer answer passing the authentication challenge. ### Claim 12 (depends on 11) The computing device of claim 11, wherein the one or more processors are further configured to: associate the mobile device with the requested financial account, wherein associating the mobile device with the requested financial account is based on the first location of the mobile device being within the predetermined distance of the expected location of the customer. ### Claim 13 (depends on 11) The computing device of claim 11, wherein the one or more processors receive the first location of the mobile device within a first predetermined time from receiving the request to provision the financial account, and wherein the one or more processors receive the second location of the mobile device within a second predetermined time from receiving the authentication information from the financial terminal. ### Claim 14 (depends on 11) The computing device of claim 11, wherein the expected location of the customer is based on at least one of customer travel plans, a mobile device location history, a credit and/or debit card usage history, an internet browsing history, and a financial terminal use history. ### Claim 15 (depends on 11) The computing device of claim 11, wherein the one or more processors are further configured to: send, to the mobile device, a request for the mobile device to send the second location of the mobile device to the computing device; and receive, from the mobile device, the second location in response to the request for the mobile device to send the second location. ### Claim 16 (depends on 15) The computing device of claim 15, wherein the request for the mobile device to send the second location of the mobile device comprises a push notification, wherein the one or more processers are configured to receive the second location of the mobile device from the mobile device in response to the customer indicating to send the second location. ### Claim 17 (depends on 11) The computing device of claim 11, wherein the authentication information includes at least one of a quick response (QR) code, a barcode, an audio file, an image, an alphanumeric code, a graphic code, and mobile device identification information. ### Claim 18 (depends on 11) The computing device of claim 11, wherein the one or more processors are further configured to: receive, from the financial terminal or the mobile device, the customer answer in response to the authentication challenge. ### Claim 19 (depends on 11) The computing device of claim 11, wherein the one or more processors are configured to, based on the customer answer not passing the authentication challenge, send, to the financial terminal or the mobile device, instructions for authenticating the financial account request. ### Claim 20 A computer readable medium comprising instructions that when executed cause one or more processors to: receive, from a customer device, a request to provision a financial account for a customer; verify a first location of a mobile device of the customer associated with the requested financial account being within a predetermined distance of an expected location of the customer; receive, from a financial terminal, authentication information, wherein the financial terminal received the authentication information from the mobile device; based on a second location of the mobile device not being within a predetermined distance of a location of the financial terminal, send, to the financial terminal or the mobile device, information indicative of an authentication challenge; and provision the financial account based on a customer answer passing the authentication challenge.