System for authorizing access to resources and distributing resource provider devices

• US 10,567,963 B2
• Filed: 03/30/2016
• Issued: 02/18/2020
• Est. Priority Date: 03/31/2015
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Varghese, Jacob
• Primary Examiner(s): Patel, Dhairya A
• Application Number:
  US15/085,473
• Publication Number:
  US 20160294727A1
• Time in Patent Office: 1,420 Days
• CPC Class Codes: G06Q 10/02 Reservations, e.g. for tickets, services or events
• CPC Class Codes: H04L 12/1457 using an account
• CPC Class Codes: H04L 12/1464 using a card, such as credit card, prepay card or SIM
• CPC Class Codes: H04L 63/101 Access control lists [ACL]
• CPC Class Codes: H04W 12/08 Access security

Abstract

Embodiments of the invention are directed to identifying information about a resource provider for a future transaction of a resource, when the provider is unaware and/or does not provide the information. The information can identify a unique resource provider code from a plurality of resource provider codes that helps allow the resource provider to settle the future transaction for the resource using the resource provider code.

Claims

1. A method comprising:

receiving, by a merchant database in communication with a server computer from one or more data sources, a plurality of merchant codes;

receiving, by the server computer and from a user device, information identifying a merchant, wherein the information does not include a merchant code associated with the merchant;

accessing, by the server computer, the plurality of merchant codes in the merchant database;

matching, by the server computer, the information identifying the merchant with the merchant code from the plurality of merchant codes;

based on receiving the information identifying the merchant and matching the information with the merchant code, determining, by the server computer, that the merchant did not enroll with the server computer;

generating a profile for the merchant, wherein the generation of the profile is based at least in part on the determination that the merchant did not enroll with the server computer, wherein the information identifying the merchant is stored with the profile for the merchant;

determining an account identifier associated with the merchant code, wherein the account identifier is also stored with the profile for the merchant; and

providing the account identifier to a user, wherein the account identifier is provided during a future transaction with a point of sale (POS) terminal of the merchant.

2. The method of claim 1, wherein the merchant code is used during settlement of the future transaction, and wherein the merchant is not contacted about the account identifier prior to determining the account identifier.

3. The method of claim 1, wherein at least some of the plurality of merchant codes are identified from a source other than the merchant.

4. The method of claim 3, wherein the source that identifies the at least some of the plurality of merchant codes is an authorization message for a second transaction unassociated with the user device.

5. The method of claim 3, wherein the source that identifies the at least some of the plurality of merchant codes is each merchant.

6. The method of claim 1, wherein the merchant code uniquely identifies the merchant.

7. The method of claim 1, wherein the information identifying the merchant comprises a name, phone number, email, website, or image of the merchant.

8. The method of claim 1 further comprising:

receiving a transaction message from a second user device, wherein the transaction message comprises a second merchant code;

determining that the second merchant code is not in the merchant database; and

adding the second merchant code to the merchant database.

9. The method of claim 1, wherein providing the account identifier to the user comprises providing the account identifier on a card to the user.

10. The method of claim 1, wherein the merchant does not know that the account identifier was provided to the user before the account identifier is used at the merchant.

11. The method of claim 1, wherein receiving the plurality of merchant codes from the one or more data sources include an acquirer computer, an issuer computer, or from transaction data.

12. A server computer comprising:

a processor;

a merchant database comprising a plurality of merchant codes; and

a computer readable medium, the computer readable medium comprising code, executable by the processor, to implement a method comprising;

receiving, by the merchant database, a plurality of merchant codes;

receiving, from a user device, information identifying a merchant, wherein the information does not include a merchant code associated with the merchant;

accessing the plurality of merchant codes in the merchant database;

matching the information identifying the merchant with the merchant code from the plurality of merchant codes;

based on receiving the information identifying the merchant and matching the information with the merchant code, determining, by the server computer, that the merchant did not enroll with the server computer;

generating a profile for the merchant, wherein the generation of the profile is based at least in part on the determination that the merchant did not enroll with the server computer, wherein the information identifying the merchant is stored with the profile for the merchant;

determining an account identifier associated with the merchant code, wherein the account identifier is also stored with the profile for the merchant; and

providing the account identifier to a user, wherein the account identifier is provided during a future transaction with a point of sale (POS) terminal of the merchant.

13. The server computer of claim 12, wherein the merchant code is used during settlement of the future transaction, and wherein the merchant is not contacted about the account identifier prior to determining the account identifier.

14. The server computer of claim 12, wherein at least some of the plurality of merchant codes are identified from a source other than the merchant.

15. The server computer of claim 14, wherein the source that identifies the at least some of the plurality of merchant codes is an authorization message for a second transaction unassociated with the user device.

16. The server computer of claim 14, wherein the source that identifies the at least some of the plurality of merchant codes is each merchant.

17. The server computer of claim 12, wherein the merchant code uniquely identifies the merchant.

18. The server computer of claim 12, wherein the information identifying the merchant comprises a name, phone number, email, website, or image of the merchant.

19. The server computer of claim 12, wherein the method further comprises:

receiving a transaction message from a second user device, wherein the transaction message comprises a second merchant code;

determining that the second merchant code is not in the merchant database; and

adding the second merchant code to the merchant database.

20. The server computer of claim 12, wherein providing the account identifier to the user comprises providing the account identifier on a card to the user.

21. The server computer of claim 12, wherein the merchant does not know that the account identifier was provided to the user before the account identifier is used at the merchant.