Methods and systems for payment-network enrollment
First Claim
1. A method for enrolling a customer with a payment network, the method comprising:
- receiving, at a host system, customer-identification information identifying the customer;
receiving, at the host system, financial-account information identifying a financial account to be used in supporting transactions over the payment network;
receiving, at the host system, presentation-instrument information identifying a presentation instrument currently incapable of supporting a transaction with the financial account;
establishing, with the host system, a customer account associated with the customer-identification information; and
linking, with the host system, the financial-account information and the presentation-instrument information with the customer account to permit the customer thereafter to execute transactions supported by the financial account with the payment instrument.
4 Assignments
0 Petitions
Accused Products
Abstract
Methods and systems are provided for enrolling a customer with a payment network. Customer-identification information identifying the customer, financial-account information identifying a financial account to be used in supporting transactions over the payment network, and presentation-instrument information identifying a presentation instrument currently incapable of supporting a transaction with the financial account are received at a host system. A customer account associated with the customer-identification information is established with the host system. With the host system, the financial-account information and the presentation-instrument information are linked with the customer account to permit the customer thereafter to execute transactions supported by the financial account with the payment instrument.
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Citations
26 Claims
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1. A method for enrolling a customer with a payment network, the method comprising:
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receiving, at a host system, customer-identification information identifying the customer;
receiving, at the host system, financial-account information identifying a financial account to be used in supporting transactions over the payment network;
receiving, at the host system, presentation-instrument information identifying a presentation instrument currently incapable of supporting a transaction with the financial account;
establishing, with the host system, a customer account associated with the customer-identification information; and
linking, with the host system, the financial-account information and the presentation-instrument information with the customer account to permit the customer thereafter to execute transactions supported by the financial account with the payment instrument. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A payment network comprising:
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a host system connected with a plurality of interface systems and with a plurality of financial-institution systems operated for respective financial institutions, wherein the host system maintains a plurality of customer accounts, each such customer account being linked with information defining at least one presentation instrument and information identifying at least one financial account maintained at one of the financial institutions, wherein at least one of the customer accounts is linked with information defining a plurality of financial accounts maintained at one or more of the financial institutions, at least some of the plurality of financial accounts supporting transactions of respectively different transaction types, and wherein the host system includes program instructions to permit the at least one presentation instrument defined by information linked with the at least one of the customer accounts to be used to initiate transactions of different transaction types with any of the plurality of financial accounts. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23)
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24. A computer-readable storage medium having a computer-readable program embodied therein for directing operation of a host system including a communications system, a processor, and a storage device, wherein the computer-readable program includes instructions for operating the host system to enroll a customer with a payment network in accordance with the following:
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receiving, with the communications system, customer-identification information identifying the customer;
receiving, with the communications system, financial-account information identifying a financial account to be used in supporting transactions over the payment network;
receiving, with the communications system, presentation-instrument information identifying a presentation instrument currently incapable of supporting a transaction with the financial account;
establishing, with the processor, a customer account associated with the customer identification information; and
linking, with the processor, the financial-account information and the presentation-instrument information with the customer account to permit the customer thereafter to execute transactions supported by the financial account with the payment instrument. - View Dependent Claims (25, 26)
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Specification