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Account association systems and methods

  • US 10,623,388 B2
  • Filed: 03/17/2016
  • Issued: 04/14/2020
  • Est. Priority Date: 09/19/2013
  • Status: Active Grant
First Claim
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1. A method, comprising:

  • receiving, prior to receipt of an account association request message, a token request message in relation to one of a first user account and a second user account;

    transmitting a token response message in response to receipt of the token request message, the token response message comprising a token corresponding to said one of the first user account and the second user account;

    receiving, by an account association server via a computer network, the account association request message having information that identifies the first user account and the second user account, wherein the first user account corresponds to a first user of an account based system and the second user account corresponds to a second user of the account based system, each respective user account having an account identifier and one or more items of profile identity information associated with the corresponding user, at least one item of profile identity information having been assured by a trusted identity provider and initially being unavailable to users of the account system other than said corresponding user, the account association request originating from a first user device associated with the first user, and wherein the account association request message comprises the token;

    determining, by the account association server on the basis of the account association request message, the account identifier for the first user account and the account identifier for the second user account, wherein the account identifier for said one of the first user account and the second user account is determined on the basis of the token;

    identifying, by the account association server on the basis of the account identifier for the first user account, a first said item of profile identity information that is initially unavailable to users of the account system other than said corresponding user, wherein the first said item of profile identity information is associated with the first user but does not itself describe the first user, wherein the first said item of profile identity information is an image that the second user recognizes as being associated with the first user;

    transmitting, by the account association server on the basis of the account identifier for the second user account, a profile information message to a second user device associated with the second user via the computer network, the profile information message conveying the first said item of profile identity information, wherein the first said item of profile identity information is known by the second user to be associated with the first user prior to the second user device receiving the profile information message conveying the first said item of profile identity information from the account association server;

    receiving, by the account association server via the computer network, a profile identity response message originating from the second user device in response to transmission of the profile information message, the profile identity response message confirming that the first said item of profile identity information has been verified by the second user as being associated with the first user; and

    establishing, by the account association server, a relationship between the first user account and the second user account at least in response to receipt of the profile identity response message by adding account information for the second user account to the first user account.

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