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Secure account creation

  • US 10,453,056 B2
  • Filed: 06/30/2017
  • Issued: 10/22/2019
  • Est. Priority Date: 06/29/2017
  • Status: Active Grant
First Claim
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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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