# US 2026/0073384 A1 · Systems and methods for contactless smart card authentication > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2026/0073384 A1 - Document ID: US20260073384A1 - Status: Published application - Kind: A1 - Application number: 19/392,687 - Filed: 2025-11-18 - Published: 2026-03-12 - Earliest claimed: 2015-03-27 - Assignees: Wells Fargo Bank, N.A. - Applicants: Wells Fargo Bank, N.A. - Inventors: Peter Ho - Web page: https://patentgrep.com/patent/US20260073384A1 ## CPC - G06Q 20/3226: {Use of secure elements separate from M-devices} - G06Q 20/354: {Card activation or deactivation} - G06Q 20/227: {characterised in that multiple accounts are available, e.g. to the payer} - G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]} - G06Q 20/3263: {characterised by activation or deactivation of payment capabilities} - G06Q 20/3278: {RFID or NFC payments by means of M-devices} - G06Q 20/34: using cards, e.g. integrated circuit [IC] cards or magnetic cards - G06Q 20/352: {Contactless payments by cards} - G06Q 20/3674: {involving authentication} - G06Q 20/382: {insuring higher security of transaction} - G06Q 20/3823: {combining multiple encryption tools for a transaction} - G06Q 20/3829: {involving key management} - G06Q 20/409: {Device specific authentication in transaction processing} - G06Q 20/385: {using an alias or single-use codes} - G06Q 20/4018: {using the card verification value [CVV] associated with the card} - 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 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. ## Claims ### Claim 1 A method of activating a card, the method comprising: providing the card in a non-activated state; activating the card prior to a transaction, wherein activating the card comprises: receiving, from a mobile device via a wireless transmission from the card to the mobile device, an authentication request including a cryptogram; decrypting the cryptogram to reveal information regarding at least one of the card or a user; comparing the revealed information to information in a database; updating the database to indicate that the revealed information is confirmed; and activating, in response to a successful user authentication at the mobile device, the card for the transaction based on updating the database and the successful user authentication information; and providing, to the mobile device, a token associated with the card for a mobile transaction using the mobile device involving the card. ### Claim 2 (depends on 1) The method of claim 1, wherein the token causes an application on the mobile device to add the card and present a status of the card. ### Claim 3 (depends on 2) The method of claim 2, further comprising: receiving, via the application on the mobile device, a selection of a selectable element on a graphical user interface indicating that the card is lost or stolen. ### Claim 4 (depends on 3) The method of claim 3, further comprising: updating the database to disallow subsequent transactions associated with the token based on the indication that the card is lost or stolen; and providing, to a replacement mobile device, a replacement token. ### Claim 5 (depends on 1) The method of claim 1, wherein the wireless transmission is a near-field communication (NFC) tap with the mobile device. ### Claim 6 (depends on 1) The method of claim 1, further comprising: receiving, from the mobile device, at least one of a PIN, biometric data, or an answer to an identification question prior to activating the card, wherein activating the card for the transaction is further in response to receiving a successful response of the at least one of the PIN, the biometric data, or the answer to the identification question. ### Claim 7 (depends on 1) The method of claim 1, further comprising: generating an encryption key for the card; and providing, to the mobile device, the encryption key for generating the cryptogram. ### Claim 8 (depends on 7) The method of claim 7, wherein the cryptogram is encrypted using the encryption key, and wherein confirming the revealed information comprises verifying that the cryptogram was generated by the card. ### Claim 9 A system comprising: one or more processors; and non-transitory computer-readable media storing instructions that, when executed by the one or more processors, cause the one or more processors to perform operations comprising: activating a card prior to a transaction by: receiving, from a mobile device via a wireless transmission from the card to the mobile device, an authentication request including a cryptogram; decrypting the cryptogram to reveal information regarding at least one of the card or a user; comparing the revealed information to information in a database; updating the database to indicate that the revealed information is confirmed; and activating, in response to a successful user authentication at the mobile device, the card for the transaction based on updating the database and the successful user authentication information; and providing, to the mobile device, a token associated with the card for a mobile transaction using the mobile device involving the card. ### Claim 10 (depends on 9) The system of claim 9, wherein the token causes an application on the mobile device to add the card and present a status of the card. ### Claim 11 (depends on 10) The system of claim 10, wherein the operations further comprise: receiving, based on a selection of a selectable element on a graphical user interface, an input indicating that the card is lost or stolen. ### Claim 12 (depends on 11) The system of claim 11, wherein the operations further comprise: updating the database to disallow subsequent transactions associated with the token based on the input that the card is lost or stolen; and providing, to a replacement mobile device, a replacement token. ### Claim 13 (depends on 9) The system of claim 9, wherein the wireless transmission is a near-field communication (NFC) tap with the mobile device. ### Claim 14 (depends on 9) The system of claim 9, wherein the operations further comprise: receiving, from the mobile device, at least one of a PIN, biometric data, or an answer to an identification question prior to activating the card, wherein activating the card for the transaction is further in response to receiving a successful response of the at least one of the PIN, the biometric data, or the answer to the identification question. ### Claim 15 (depends on 9) The system of claim 9, wherein the operations further comprise: generating an encryption key for the card; and providing, to the mobile device, the encryption key for generating the cryptogram. ### Claim 16 (depends on 15) The system of claim 15, wherein the cryptogram is encrypted using the encryption key, and wherein confirming the revealed information comprises verifying that the cryptogram was generated by the card. ### Claim 17 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: activating a card prior to a transaction by: receiving, from a mobile device via a wireless transmission from the card to the mobile device, an authentication request including a cryptogram; decrypting the cryptogram to reveal information regarding at least one of the card or a user; comparing the revealed information to information in a database; updating the database to indicate that the revealed information is confirmed; and activating, in response to a successful user authentication at the mobile device, the card for the transaction based on updating the database and the successful user authentication information; and providing, to the mobile device, a token associated with the card for a mobile transaction using the mobile device involving the card. ### Claim 18 (depends on 17) The non-transitory computer-readable media of claim 17, wherein the token causes an application on the mobile device to add the card and present a status of the card. ### Claim 19 (depends on 17) The non-transitory computer-readable media of claim 17, wherein the operations further comprise: receiving an input indicating that the card is lost or stolen; updating the database to disallow subsequent transactions associated with the token based on the input that the card is lost or stolen; and providing, to a replacement mobile device, a replacement token. ### Claim 20 (depends on 17) The non-transitory computer-readable media of claim 17, wherein the cryptogram is encrypted using an encryption key, and wherein confirming the revealed information comprises verifying that the cryptogram was generated by the card.