VERIFICATION MECHANISM

• US 20110178927A1
• Filed: 01/19/2011
• Published: 07/21/2011
• Est. Priority Date: 01/19/2010
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Dimmick, James, Dominguez, Benedicto, Lindelsee, Mike, Brand, Olivier
• Application Number:
  US13/009,419
• Publication Number:
  US 20110178927A1
• Time in Patent Office: Days
• US Class Current: 705/44
• 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

Abstract

Systems, apparatuses, and methods for receiving a verification message with information that includes a first portion but not a second portion of an account identifier associated with an account of a consumer. Upon receiving the verification message, searching for the account using the information of the verification message.

Claims

1. A method comprising:

receiving a verification message with information that includes a first portion but not a second portion of an account identifier associated with an account of a consumer; and

searching, using a computer, for the account using the information of the verification message.

2. The method of claim 1, wherein the first portion is the first six characters of the account identifier.

3. The method of claim 1, wherein the information of the verification message includes a third portion of the account identifier.

4. The method of claim 3, wherein the third portion is the last four characters of the account identifier.

5. The method of claim 1, further comprising:

receiving an alias associated with the consumer; and

searching a database for a record with a property that matches the alias.

6. The method of claim 1, wherein the account is associated with an issuer.

7. The method of claim 6, wherein the verification message is received from a different issuer.

8. The method of claim 1, wherein the account has been previously enrolled in a first service, and the verification message is received in response to a request to enroll in a second service.

9. The method of claim 1, further comprising:

responsive to finding no accounts that match the information of the verification request, creating a consumer record associated with the consumer in the database.

10. The method of claim 1, further comprising:

responsive to finding the account using the information of the verification request, sending an indication that the consumer is in the database.

20. A computer readable medium storing commands for causing a processor to implement the method of claim 1.

11. An apparatus comprising:

a computer coupled to a database, wherein the computer comprises a processor and a computer-readable storage medium coupled to the processor, the computer readable storage medium comprising code executable by the processor for implementing a method comprising;

receiving a verification message with information that includes a first portion but not a second portion of an account identifier associated with an account of a consumer; and

searching for the account using the information of the verification message.

12. The apparatus of claim 11, wherein the first portion is the first six characters of the account identifier.

13. The apparatus of claim 11, wherein the information of the verification message includes a third portion of the account identifier.

14. The apparatus of claim 13, wherein the third portion is the last four characters of the account identifier.

15. The apparatus of claim 11, wherein the method further comprises:

receiving an alias associated with the consumer; and

searching a database for a record with a property that matches the alias.

16. The apparatus of claim 11, wherein the account is associated with an issuer.

17. The apparatus of claim 16, wherein the verification message is received from a different issuer.

18. The apparatus of claim 11, wherein the method further comprises:

responsive to finding no accounts that match the information of the verification request, creating a consumer record associated with the consumer in the database.

19. The apparatus of claim 11, wherein the method further comprises:

responsive to finding the account using the information of the verification request, sending an indication that the consumer is in the database.