SYSTEMS AND METHODS FOR ISSUANCE OF PROVISIONAL FINANCIAL ACCOUNTS TO MOBILE DEVICES
First Claim
1. A computer-implemented method of issuing a provisional payment account comprising:
- (a) providing a computing device associated with a provider;
(b) receiving, by the provider computing device, verification data and device fingerprint data;
(c) performing, by the provider computing device, a verification analysis using the verification data;
(d) performing, by the provider computing device, a device fingerprinting analysis using the device fingerprint data;
(e) receiving, by the provider computing device, a client access message containing redirect data, wherein the redirect data comprises an authorization request;
(f) generating, by the provider computing device, an access decision message indicating an approval or a disapproval of the authorization request, wherein if the authorization request is approved, the access decision message includes access data;
(g) receiving, by the provider computing device, an account activation message containing activation data, wherein the activation data comprises a provisional account number; and
(h) generating, by the provider computing device, an account authorization message containing an initial transaction token.
2 Assignments
0 Petitions
Accused Products
Abstract
Systems and methods permit secure and convenient provisional account creation for use in conducting payment transactions. The provisional account does not include sensitive data, thereby mitigating risk to a consumer'"'"'s financial account if the provisional account were compromised. In one embodiment, a computing device associated with a financial service provider receives customer and customer device information. The provider computing device performs a verification analysis and a fingerprint analysis to authenticate the customer'"'"'s identity and the customer device authenticity. The provider device also receives an access request message seeking authorization for an identity management service (“IdM”) to interface with the provider device. The provider device generates an access decision message indicating an approval or disapproval of an authorization request. If the authorization request is approved, the IdM generates a provisional account and transmits the account number and other information to the provider device and the customer device.
39 Citations
20 Claims
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1. A computer-implemented method of issuing a provisional payment account comprising:
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(a) providing a computing device associated with a provider; (b) receiving, by the provider computing device, verification data and device fingerprint data; (c) performing, by the provider computing device, a verification analysis using the verification data; (d) performing, by the provider computing device, a device fingerprinting analysis using the device fingerprint data; (e) receiving, by the provider computing device, a client access message containing redirect data, wherein the redirect data comprises an authorization request; (f) generating, by the provider computing device, an access decision message indicating an approval or a disapproval of the authorization request, wherein if the authorization request is approved, the access decision message includes access data; (g) receiving, by the provider computing device, an account activation message containing activation data, wherein the activation data comprises a provisional account number; and (h) generating, by the provider computing device, an account authorization message containing an initial transaction token. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A computer-implemented method of issuing a provisional payment account comprising:
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(a) providing a computing device associated with an identity management service; (b) receiving, by the identity management service computing device, an account issue request message; (c) generating, by the identity management service computing device, a redirect message containing redirect data; (d) receiving, by the identity management service computing device, an access status message; (e) generating, by the identity management service computing device, a provisional account; (f) generating, by the identity management service computing device, an account activation message containing activation data, wherein the activation data comprises a provisional account number; (g) generating, by the identity management service computing device, a provisional account issue message containing a provisional account number; and (h) receiving, by the identity management service computing device, a provisional account authorization message. - View Dependent Claims (14)
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15. A system for processing an account application comprising:
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a first processor; a second processor; a third processor; a data storage device including a computer-readable medium having computer readable code for instructing the first processor, and when executed by the first processor, the first processor performs operations comprising; (a) receiving verification data and device fingerprint data; (b) performing a verification analysis using the verification data; (c) performing a device fingerprinting analysis using the device fingerprint data; (d) receiving the client access message transmitted by the second processor; (e) generating an access decision message indicating an approval or disapproval of an authorization request, wherein if the authorization request is approved, the access decision message includes access data; (f) transmitting the access decision message to the second processor; (g) receiving an account activation message containing activation data, wherein the activation data comprises a provisional account number; (h) generating an account authorization message containing an initial transaction token; and (i) transmitting the account authorization message to the third processor. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification