Patent 9652770 was granted and assigned to Wells Fargo on May, 2017 by the United States Patent and Trademark Office.
One embodiment of the present disclosure relates to a computer-implemented method that includes sending, by a mobile wallet server, an identification number that is part of a substitute card number to be used by a mobile device as a mobile wallet, determining an actual card number based on the substitute card number and sending the actual card number and the identification number for processing a payment.