Secure account creation
First Claim
Patent Images
1. A computer-implemented method performed by a payment-service-system server comprising:
- receiving, from an issuer processor server, a plurality of payment card numbers, wherein the payment card numbers are initially unassigned with respect to accounts registered with the payment-service-system server;
storing, by the payment-service-system, the unassigned payment card numbers in a payment-service-system database;
receiving, from a user computing device, a payment request to debit a pre-existing account associated with the user, wherein fulfillment of the payment request requires a payment card number, and wherein the account corresponds to a database account record and is not yet associated with any of the unassigned payment card numbers, an account balance and an account activation status, wherein the account activation status is inactive;
in response to receiving the payment request to debit the account;
associating in real-time the account with one of the unassigned payment card numbers in the payment-service-system database; and
transmitting, to the user computing device, a first unique code and information to cause an application executing on the user computing device to display a notification window, the notification window requesting the user to set the account activation status to active by entering the first unique code in the notification window;
receiving, from the user computing device, an activation request comprising a second code and personal information required for activation;
upon determining that the second code corresponds to the first unique code, modifying the database account record to assign the payment card number to the user account as an active payment card; and
facilitating processing of the payment request using the account and payment card number.
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Accused Products
Abstract
Disclosed herein are systems and methods for real-time provisioning of new payment card numbers to users of a payment-service system, wherein the new payment card numbers are issued to users without activation or registration. By issuing payment card numbers in real-time and without registration, these systems and methods can provide a relatively frictionless experience for users. As such, these systems and methods can issue more payment card numbers, increase market penetration and use of the payment card numbers because the systems and methods are relatively efficient to use compared with prior methods of issuing payment card numbers.
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Citations
28 Claims
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1. A computer-implemented method performed by a payment-service-system server comprising:
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receiving, from an issuer processor server, a plurality of payment card numbers, wherein the payment card numbers are initially unassigned with respect to accounts registered with the payment-service-system server; storing, by the payment-service-system, the unassigned payment card numbers in a payment-service-system database; receiving, from a user computing device, a payment request to debit a pre-existing account associated with the user, wherein fulfillment of the payment request requires a payment card number, and wherein the account corresponds to a database account record and is not yet associated with any of the unassigned payment card numbers, an account balance and an account activation status, wherein the account activation status is inactive; in response to receiving the payment request to debit the account; associating in real-time the account with one of the unassigned payment card numbers in the payment-service-system database; and transmitting, to the user computing device, a first unique code and information to cause an application executing on the user computing device to display a notification window, the notification window requesting the user to set the account activation status to active by entering the first unique code in the notification window; receiving, from the user computing device, an activation request comprising a second code and personal information required for activation; upon determining that the second code corresponds to the first unique code, modifying the database account record to assign the payment card number to the user account as an active payment card; and facilitating processing of the payment request using the account and payment card number. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A computer-implemented method of generating payment card numbers for individual user accounts associated with a payment service system performed by a payment-service-system server, the method comprising:
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receiving, from an issuer processor server, a plurality of payment card numbers, wherein the payment card numbers are initially unassigned with respect to accounts registered with the payment-service-system server; storing, by the payment-service-system, the unassigned payment card numbers in a payment-service-system database; receiving, from a first user computing device associated with a first user, a payment request to debit an account balance, wherein fulfillment of the payment request requires a payment card number; retrieving, from the payment-service-system database, a payment-service-system database account record including an account activation status of a financial account associated with the first user, wherein the payment-service-system database account record is not yet associated with any of the unassigned payment card numbers, and wherein the account activation status is inactive; in response to receiving the payment request to debit the account balance; associating in real-time the financial account with one of the unassigned payment card numbers in the payment-service-system database; generating, by the payment-service-system server, a query for the first user to set the account activation status to active, wherein the query comprises a first unique code to enter to set the account activation status to active; and transmitting, by the payment-service-system server to the first user computing device, the query comprising the first unique code, wherein the query is transmitted in response to the request to debit the account balance; receiving, from the first user computing device, an activation request comprising a second code and personal information required for activation; matching, by the payment-service-system server, the second code to the first unique code and the personal information required for activation; modifying, by the payment-service-system server in response to matching the second code to the first unique code, the payment-service-system database account record to assign the payment card number to the financial account associated with the first user as an active payment card; authorizing, by the payment-service-system server in response to matching the second code to the first unique code, the payment request to debit an account balance associated with the financial account; and debiting, by the payment-service-system server, the account balance using the payment card number by an amount corresponding to the request to debit the account balance. - View Dependent Claims (10, 11, 12, 13, 14, 15)
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16. A non-transitory computer-readable medium comprising a series of instructions to perform a method comprising:
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receiving, from an issuer processor server, a plurality of payment card numbers, wherein the payment card numbers are initially unassigned with respect to accounts registered with a payment-service-system server; storing, by the payment-service-system, the unassigned payment card numbers in a payment-service-system database; receiving, from a second user computing device, a first payment request to debit an account balance, wherein a database account record is not activated, and wherein fulfillment of the payment request requires a payment card number; in response to receiving the payment request to debit the account balance; associating in real-time the financial account with one of the unassigned payment card numbers in the payment-service-system database; generating, by the payment-service-system server, a query for a user to activate the database account record; transmitting, by the payment-service-system server, the query to the second user computing device, wherein the query is transmitted in response to the first request to debit the account balance; receiving, by the payment-service-system server from the second user computing device, a command to activate the database account record, wherein the command comprises personal information required for activation; upon receiving the command, by the payment-service-system server from the second user computing device, activating the database account record, wherein activating the database account record comprises assigning the payment card number to a financial account associated with the second user; receiving, by the payment-service-system server from the second user computing device, a second request to debit the account balance; authorizing, by the payment-service-system server, the second request to debit the account balance; and debiting, by the payment-service-system server, the account balance by an amount corresponding to the second request to debit the account balance using the payment card number. - View Dependent Claims (17, 18, 19, 20, 21, 22)
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23. A payment-service-system server configured to perform a method comprising:
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receiving, from an issuer processor server, a plurality of payment card numbers, wherein the payment card numbers are initially unassigned with respect to accounts registered with the payment-service-system server; storing, by the payment-service-system, the unassigned payment card numbers in a payment-service-system database; receiving, by the payment-service-system server, a payment request to debit funds from a second user account, wherein the request to debit funds comprises a payment card number; in response to receiving the payment request to debit the account; associating in real-time the second user account with one of the unassigned payment card numbers in the payment-service-system database; retrieving, by the payment-service-system server from a database record of the payment-service-system database, an account activation status, wherein the account activation status is inactive; and transmitting, to a first user computing device, a query to activate the second user account, wherein the query is transmitted in response to the request to debit funds from the second user account; receiving, at the payment-service-system server from the first user computing device, an activation request comprising personal information required for activation; and upon receiving, by the payment-service-system server, the activation request, modifying, by the payment-service-system server, the account activation status to active and assigning the payment card number to the second user account as an active payment card. - View Dependent Claims (24, 25, 26, 27, 28)
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Specification