Patent attributes
A computing system receives first input from a customer to establish an account at the financial institution having a physical payment card associated therewith, approves the customer for the account based on account registration information received from the customer, and establishes the account for the customer. Establishing the account includes generating a card number for the physical payment card and associating the card number with a first status indicator, the first status indicator being associated with an inactive status of the account. Once the account is established, the computing system transmits a prompt instructing the customer to establish a PIN for the account and receives a customer-input PIN for the account. Additionally, the computing system receives another input from the customer to provision the account to a mobile wallet, provisions the account to the mobile wallet, and enables the customer to engage in mobile wallet transactions with the account prior to the customer receiving the physical payment card.
