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US 2026/0073384 A1Published application
Systems and methods for contactless smart card authentication
AssigneeWells Fargo Bank, N.A.
InventorPeter Ho
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AssigneeWells Fargo Bank, N.A.
InventorPeter Ho
Estimating the term…
Systems, methods, and computer-readable storage media of activating a card having a contactless chip are provided. One method includes receiving, from a mobile device via a wireless transmission from the card having the contactless chip to the mobile device, a cryptogram, and decrypting the cryptogram to reveal information. The method further includes comparing the revealed information regarding at least one of the card or the user to information in a customer database, confirming the revealed information, and updating the customer database to indicate that the revealed information regarding the at least one of the card or the user is confirmed. The method further includes activating the card for an initial card transaction based on updating the customer database, and providing, to the mobile device, a payment card token associated with the card as part of a mobile wallet transaction using the mobile device involving the card.
A method of activating a card, the method comprising:
A system comprising:
A non-transitory computer-readable media with computer-executable instructions embodied thereon that, when executed by one or more processors of a computing system, cause the computing system to perform operations comprising:
Dependencies are inferred from the claim text.