SYSTEMS AND METHODS FOR ENROLLING USERS IN A PAYMENT SERVICE

• US 20110035319A1
• Filed: 08/09/2010
• Published: 02/10/2011
• Est. Priority Date: 08/10/2009
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Trifiletti, Gregory, Lindelsee, Mike, Brand, Olivier
• Granted Patent: US 8,504,475 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Embodiments of the invention are direction to systems, apparatuses and methods for enrolling users in a payment service that enables an individual (“a presenter”) to conduct a payment transaction with another party (“an acceptor”) more efficiently in situations where the individual has multiple payment accounts. One embodiment of the invention is directed to a method comprising presenting to a user a plurality of payment accounts associated with the user, receiving from the user a selection of an alias account identifier for each of the payment accounts, and storing in a database data that associates the selected alias account identifiers with the payment accounts.

Claims

1. A method, comprising:

presenting to a user a plurality of payment accounts associated with the user;

receiving from the user a selection of an alias account identifier for each of the payment accounts; and

storing in a database data that associates the selected alias account identifiers with the payment accounts.

2. The method of claim 1, further comprising:

presenting to the user a plurality of authentication channels;

receiving from the user a selection of one of the authentication channels; and

storing in a database data that selected authentication channel.

3. The method of claim 1, further comprising:

receiving a request to initiate a payment transaction involving the user;

in response to receiving the request, providing the user with a list of alias account identifiers, wherein each of the alias account identifiers corresponds to one of the payment accounts associated with the user;

receiving from the user a selection of one of the alias account identifiers; and

conducting the payment transaction using the payment account associated with the selected alias account identifier.

4. The method of claim 3, wherein the list of alias account identifiers is provided to the user via a mobile device associated with the user and wherein the selected alias account identifier is received from the user via the mobile device associated with the user.

5. The method of claim 3, wherein conducting the payment transaction using the payment account associated with the selected alias account identifier comprises:

accessing the database to determine the payment account associated with the selected alias account identifier;

determining an issuer for the payment account associated with the selected alias account identifier; and

providing to the issuer payment transaction data, the payment transaction data including data that identifies the payment account associated with the selected alias account identifier.

6. The method of claim 5, further comprising:

receiving from the issuer an authentication message; and

providing the authentication message to the user.

7. A computer readable medium comprising:

computer readable program code embodied therein, the computer readable program code adapted to be executed by a processor to implement the method of claim 1.

8. A server computer comprising the computer readable medium of claim 7.

9. A method, comprising:

receiving a request to enroll a user in a payment service, wherein at least one user identifier is associated with the user;

verifying that the at least one user identifier is unique across a plurality of issuers;

redirecting the user to at least one of the issuers, wherein the at least one issuer enables the user to assign an alias account identifier to at least one payment account that is associated with the user and that is held by the at least one issuer;

receiving from the at least one issuer data that identifies the at least one payment account and the alias account identifier that the user assigned to the payment account; and

storing in a database data that identifies the at least one payment account and the alias account identifier that the user assigned to the payment account.

10. The method of claim 9, further comprising:

receiving from the at least one issuer a verification that the at least one user identifier is associated with the user.

11. The method of claim 10, wherein the at least one user identifier is a mobile telephone number that is associated with the user.

12. The method of claim 11, wherein the at least one issuer verifies that the mobile telephone number is associated with the user by:

sending an enrollment code to a mobile device associated with the mobile telephone number; and

requesting that the user input the enrollment code into a webpage associated with the at least one issuer.

13. The method of claim 9, wherein the at least one issuer enables the user to select an authentication channel.

14. The method of claim 13, further comprising:

receiving from the at least one issuer the authentication channel that was selected by the user.

15. The method of claim 14, wherein the authentication channel is selected from a group consisting of interactive voice response, web, mobile web, and mobile application.

16. The method of claim 9, further comprising:

verifying that the alias account identifier for each of the payment accounts is unique.

17. The method of claim 9, further comprising:

sending to the at least one issuer a confirmation that the user has been enrolled in the payment service.

18. A computer readable medium comprising:

computer readable program code embodied therein, the computer readable program code adapted to be executed by a processor to implement the method of claim 9.

19. A server computer comprising the computer readable medium of claim 18.

20. A system comprising:

a database; and

a server in communication with the database, the server comprising a processor and computer readable medium coupled to the processor, the computer readable medium comprising computer readable program code embodied therein, the computer readable program code adapted to be executed by the processor to present to a user a plurality of payment accounts associated with the user, receive from the user a selection of an alias account identifier for each of the payment accounts, and store in the database data that associates the selected alias account identifiers with the payment accounts.