# US 2024/0202702 A1 · Systems and methods for digital account activation

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- Number: US 2024/0202702 A1
- Document ID: US20240202702A1
- Status: Published application
- Kind: A1
- Application number: 18/589,299
- Filed: 2024-02-27
- Published: 2024-06-20
- Earliest claimed: 2017-06-30
- Assignees: Wells Fargo Bank, N.A.
- Applicants: Wells Fargo Bank, N.A.
- Inventors: Ashish B. Kurani; Jenny Y. Tao; Katherine M. Yee
- Web page: https://patentgrep.com/patent/US20240202702A1

## CPC

- G06Q 20/36: using electronic wallets or electronic money safes
- G06Q 20/32: using wireless devices
- G06Q 20/3221: {Access to banking information through M-devices}
- G06Q 20/3223: {Realising banking transactions through M-devices}
- G06Q 20/326: {Payment applications installed on the mobile devices}
- G06Q 20/34: using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q 20/342: {Cards defining paid or billed services or quantities}
- G06Q 20/3558: {Preliminary personalisation for transfer to user}
- G07F 7/1008: {Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system}
- H04M 17/10: {Account details or usage}
- H04M 17/103: {using SIMs (USIMs) or calling cards}
- H04M 17/20: {with provision for recharging the prepaid account or card, or for credit establishment}
- H04W 4/24: Accounting or billing
- 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
- 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})
- H04M: TELEPHONIC COMMUNICATION (circuits for controlling other apparatus via a telephone cable and not involving telephone switching apparatus G08)
- H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72)

## Abstract

A method, user device, and computer-readable storage media for registering and activating accounts is provided. A method includes: transmitting, by a user device to a computing system, an 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; and receiving, by the user device, an indication of an activation of the account at the institution from the computing system.

## Claims

### Claim 1

A computer-implemented method, comprising:
transmitting, by a user device to a computing system, an 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; and
receiving, by the user device, an indication of an activation of the account at the institution from the computing system.

### Claim 2 (depends on 1)

The method of claim 1, further comprising:
receiving, by the user device, a login credential for accessing the account; and
transmitting, by the user device via the communication session, the login credential to the computing system for storage.

### Claim 3 (depends on 2)

The method of claim 2, wherein the login credential comprises a biometric credential including at least one of a fingerprint biometric, a facial biometric, or a voice biometric.

### Claim 4 (depends on 1)

The method of claim 1, further comprising:
in response to establishing the communication session, receiving, by the user device, an account registration packet configured to display the GUI comprising the request for the user verification.

### Claim 5 (depends on 1)

The method of claim 1, wherein the input from the user regarding opening the account comprises a request to receive a physical card associated with the account.

### Claim 6 (depends on 5)

The method of claim 5, further comprising:
receiving, by the user device, an authorization to receive the requested physical card from the computing system; and
receiving, by the user device, a card number associated with the physical card.

### Claim 7 (depends on 1)

The method of claim 1, wherein the GUI further comprises one or more account details related to the account, and wherein the one or more account details comprise information related to account fees.

### Claim 8

A user device associated with a user, comprising:
a processing circuit comprising at least one processor coupled to at least one memory storing instructions that, when executed by the at least one processor, cause the processing circuit to:
transmit, to a computing system, an input from a user regarding opening an account at an institution associated with the computing system;
establish a communication session based on exchanging encryption keys between the user device and the computing system;
in response to establishing the communication session, automatically install a client application;
display, via the client application, a graphical user interface (GUI) comprising a request for a user verification;
transmit, via the communication session, a received user verification to the computing system; and
receive an indication of an activation of the account at the institution from the computing system.

### Claim 9 (depends on 8)

The user device of claim 8, wherein the instructions, when executed by the at least one processor, further cause the processing circuit to:
receive a login credential for accessing the account; and
transmit, via the communication session, the login credential to the computing system for storage.

### Claim 10 (depends on 9)

The user device of claim 9, wherein the login credential comprises a biometric credential including at least one of a fingerprint biometric, a facial biometric, or a voice biometric.

### Claim 11 (depends on 8)

The user device of claim 8, wherein the instructions, when executed by the at least one processor, further cause the processing circuit to:
in response to establishing the communication session, receive an account registration packet configured to display the GUI comprising the request for the user verification.

### Claim 12 (depends on 8)

The user device of claim 8, wherein the input from the user regarding opening the account comprises a request to receive a physical card associated with the account.

### Claim 13 (depends on 12)

The user device of claim 12, wherein the instructions, when executed by the at least one processor, further cause the processing circuit to:
receive an authorization to receive the requested physical card from the computing system; and
receive a card number associated with the physical card.

### Claim 14 (depends on 8)

The user device of claim 8, wherein the GUI further comprises one or more account details related to the account, and wherein the one or more account details comprise information related to account fees.

### Claim 15

A non-transitory computer-readable media having instructions stored thereon that, when executed by at least one processing circuit, cause operations comprising:
transmitting, to a computing system, an input from a user regarding opening an account at an institution associated with the computing system;
establishing a communication session based on exchanging encryption keys between a user device and the computing system;
in response to establishing the communication session, automatically installing a client application;
displaying, via the client application, a graphical user interface (GUI) comprising a request for a user verification;
transmitting, via the communication session, a received user verification to the computing system; and
receiving an indication of an activation of the account at the institution from the computing system.

### Claim 16 (depends on 15)

The non-transitory computer-readable media of claim 15, the operations further comprising:
receiving a login credential for accessing the account; and
transmitting, via the communication session, the login credential to the computing system for storage, wherein the login credential comprises a biometric credential including at least one of a fingerprint biometric, a facial biometric, or a voice biometric.

### Claim 17 (depends on 15)

The non-transitory computer-readable media of claim 15, the operations further comprising:
in response to establishing the communication session, receiving an account registration packet configured to display the GUI comprising the request for the user verification.

### Claim 18 (depends on 15)

The non-transitory computer-readable media of claim 15, wherein the input from the user regarding opening the account comprises a request to receive a physical card associated with the account.

### Claim 19 (depends on 18)

The non-transitory computer-readable media of claim 18, the operations further comprising:
receiving an authorization to receive the requested physical card from the computing system; and
receiving a card number associated with the physical card.

### Claim 20 (depends on 15)

The non-transitory computer-readable storage media of claim 15, wherein the GUI further comprises one or more account details related to the account, and wherein the one or more account details comprise information related to account fees.