Wallet Service Enrollment Platform Apparatuses, Methods and Systems

• US 20160063486A1
• Filed: 11/06/2015
• Published: 03/03/2016
• Est. Priority Date: 08/18/2011
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Purves, Thomas, Mahadkar, Shilpak, Hammad, Ayman
• Application Number:
  US14/935,122
• Publication Number:
  US 20160063486A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/351 Virtual cards
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules

Abstract

The WALLET SERVICE ENROLLMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“WSEP”) facilitates the enrollment of payment accounts in a consumer'"'"'s virtual wallet. The consumer may be logged into their payment account issuer'"'"'s web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The WSEP may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer'"'"'s virtual wallet.

Claims

1. A wallet service enrollment processor implemented method comprising:

receiving by a processor user data associated with a user in an enrollment request message that is indicative of a consumer'"'"'s desire to enroll a payment account in a virtual wallet and a payment account identifier;

generating by the processor a user profile for the user that includes the user data received in the enrollment request message;

transmitting the user profile to the user so that the user can complete an enrollment process; and

storing results of the enrollment process in order for use of the results in subsequent transactions.

2. The method of claim 1 further comprising pre-populating the additional account information in a wallet payment account enrollment form.

3. The method of claim 1 further comprising automatically enrolling the payment account corresponding to the payment account identifier in a virtual wallet without requiring further user input.

4. The method of claim 1 whereby the payment account identifier is a payment account number.

5. The method of claim 1 further comprising:

submitting the payment account identifier to a server.

6. The method of claim 1 whereby the transmitting the payment account identifier is routed through a secure connection.

7. A wallet service enrollment processor-implemented system, comprising:

a processor; and

a memory disposed in communication with the processor and storing processor-issuable instructions for;

receiving user data associated with a user in an enrollment request message that is indicative of a consumer'"'"'s desire to enroll a payment account in a virtual wallet and a payment account identifier;

generating a user profile for the user that includes the user data received in the enrollment request message;

transmitting the user profile to the user so that the user can complete an enrollment process; and

storing results of the enrollment process in order for use of the results in subsequent transactions.

8. The system of claim 7 further comprising means to pre-populate the additional account information in a wallet payment account enrollment form.

9. The system of claim 7 further comprising means to automatically enroll the payment account corresponding to the payment account identifier in a virtual wallet without requiring further user input.

10. The system of claim 7 whereby the payment account identifier is a payment account number.

11. The system of claim 7 whereby the means to determine a payment account issuer further comprises:

means to submit the payment account identifier to a server; and

means to receive an identifier of the issuer that issued the payment account corresponding to the payment account identifier.

12. The system of claim 7 whereby the means to transmit to the issuer the payment account identifier is routed through a secure connection.

13. A wallet service enrollment apparatus, comprising:

a memory;

a processor disposed in communication with said memory, and configured to issue a plurality of processing instructions stored in the memory, wherein the processor issues instructions to;

receive via a processor an indication of a consumer'"'"'s desire to enroll a payment account in a virtual wallet and a payment account identifier;

determine a payment account issuer whereby the payment account issuer has previously created a payment account corresponding to the payment account identifier;

transmit to the payment account issuer the payment account identifier; and

receive from the payment account issuer additional account information, whereby the additional account information has been previously provided to the payment account issuer.

14. The apparatus of claim 13 further comprising instructions to pre-populate the additional account information in a wallet payment account enrollment form.

15. The apparatus of claim 13 further comprising instructions to automatically enroll the payment account corresponding to the payment account identifier in a virtual wallet without requiring further user input.

16. The apparatus of claim 13 whereby the payment account identifier is a payment account number.

17. The apparatus of claim 13 whereby the instructions to determine a payment account issuer further comprises instructions to:

submit the payment account identifier to a server; and

receive an identifier of the issuer that issued the payment account corresponding to the payment account identifier.

18. The apparatus of claim 13 whereby the instructions to transmit to the issuer the payment account identifier is routed through a secure connection.

19. A non-transitory medium storing processor-issuable wallet service enrollment instructions for:

receiving user data associated with a user in an enrollment request message that is indicative of a consumer'"'"'s desire to enroll a payment account in a virtual wallet and a payment account identifier;

generating a user profile for the user that includes the user data received in the enrollment request message;

transmitting the user profile to the user so that the user can complete an enrollment process; and

storing results of the enrollment process in order for use of the results in subsequent transactions.

20. The medium of claim 19 further comprising instructions to pre-populate the additional account information in a wallet payment account enrollment form.

21. The medium of claim 19 further comprising instructions to automatically enroll the payment account corresponding to the payment account identifier in a virtual wallet without requiring further user input.

22. The medium of claim 19 whereby the payment account identifier is a payment account number.

23. The medium of claim 19 whereby the instructions to determine a payment account issuer further comprises:

means to submit the payment account identifier to a server; and

means to receive an identifier of the issuer that issued the payment account corresponding to the payment account identifier.

24. The medium of claim 19 whereby the instructions to transmit to the issuer the payment account identifier is routed through a secure connection.