SECURE ACCOUNT CREATION
First Claim
1. A computer-implemented method comprising:
- receiving, by a payment-service-system server from a user computing device via a first communication channel, a request to debit an account, wherein the request comprises a payment card number, and the account corresponds to a database account record comprising the payment card number, an account balance and an account activation status, wherein the account activation status is inactive;
routing, by the payment-service-system server, the request to a system of record server;
upon determining that the account activation status of the database account record is inactive, interrupting the routing of the request to debit the account, by the payment-service-system server;
upon interrupting the routing, causing, by the payment-service-system server, an application executing on the user computing device to display a notification window containing a user interface, the notification window configured to query the user to set the account activation status to active, wherein;
the notification window is displayed in response to the request to debit the account; and
the query comprises a field configured for the user to input a unique code to enter to set the account activation status to active;
transmitting, by the payment-service-system server to the user computing device, the query comprising the unique code via a second communication channel of the user computing device;
receiving, by the payment-service-system server and from the user interface of the user computing device in response to the query, an activation request comprising the unique code, and personal information required for activation;
determining, by the payment-service-system server, that the received unique code corresponds to the transmitted unique code; and
upon determining that the received unique code corresponds to the transmitted unique code, modifying, by the payment-service-system server, the database account record to contain an active account activation status.
2 Assignments
0 Petitions
Accused Products
Abstract
Disclosed herein are systems and methods for real-time provisioning of new payment card numbers to users of a payment-service system, wherein the new payment card numbers are issued to users without activation or registration. By issuing payment card numbers in real-time and without registration, these systems and methods can provide a relatively frictionless experience for users. As such, these systems and methods can issue more payment card numbers, increase market penetration and use of the payment card numbers because the systems and methods are relatively efficient to use compared with prior methods of issuing payment card numbers.
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Citations
27 Claims
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1. A computer-implemented method comprising:
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receiving, by a payment-service-system server from a user computing device via a first communication channel, a request to debit an account, wherein the request comprises a payment card number, and the account corresponds to a database account record comprising the payment card number, an account balance and an account activation status, wherein the account activation status is inactive; routing, by the payment-service-system server, the request to a system of record server; upon determining that the account activation status of the database account record is inactive, interrupting the routing of the request to debit the account, by the payment-service-system server; upon interrupting the routing, causing, by the payment-service-system server, an application executing on the user computing device to display a notification window containing a user interface, the notification window configured to query the user to set the account activation status to active, wherein; the notification window is displayed in response to the request to debit the account; and the query comprises a field configured for the user to input a unique code to enter to set the account activation status to active; transmitting, by the payment-service-system server to the user computing device, the query comprising the unique code via a second communication channel of the user computing device; receiving, by the payment-service-system server and from the user interface of the user computing device in response to the query, an activation request comprising the unique code, and personal information required for activation; determining, by the payment-service-system server, that the received unique code corresponds to the transmitted unique code; and upon determining that the received unique code corresponds to the transmitted unique code, modifying, by the payment-service-system server, the database account record to contain an active account activation status. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A computer-implemented method of generating payment card numbers for individual user accounts associated with a payment service system, the method comprising:
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receiving, by a payment-service-system server from a first user computing device associated with a first user, a request to debit an account balance; retrieving, from a payment-service-system database, a payment-service-system database account record including an account activation status of a financial account associated with the first user; determining that the account activation status is inactive; upon determining that the account activation status is inactive, generating, by the payment-service-system server in response to retrieving the account activation status that is inactive, a query for the first user to set the account activation status to active, wherein the query comprises a unique code to enter to set the account activation status to active; transmitting, by the payment-service-system server to the first user computing device, the query comprising the unique code, wherein the query is transmitted in response to the request to debit the account balance; receiving, by the payment-service-system server from the first user computing device, an activation request comprising the unique code; matching, by the payment-service-system server, the received unique code to the transmitted unique code, and personal information required for activation; authorizing, by the payment-service-system server in response to matching the received unique code to the transmitted unique code, the request to debit an account balance associated with the financial account; and debiting, by the payment-service-system server, the account balance by an amount corresponding to the request to debit the account balance. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A non-transitory computer-readable medium comprising a series of instructions to perform a method comprising:
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receiving, by a payment-service-system server from a second user computing device, a first request to debit an account balance, wherein a database account record is not activated; interrupting, by the payment-service-system server, the first request to debit the account balance because the database account record is not activated; generating, by the payment-service-system server, a query for a user to activate the database account record; transmitting, by the payment-service-system server, the query to the second user computing device, wherein the query is transmitted in response to the first request to debit the account balance; receiving, by the payment-service-system server from the second user computing device, a command to activate the database account record, wherein the command comprises personal information required for activation; upon receiving, by the payment-service-system server from the second user computing device, activating the database account record; receiving, by the payment-service-system server from the second user computing device, a second request to debit the account balance; authorizing, by the payment-service-system server, the second request to debit the account balance; and debiting, by the payment-service-system server, the account balance by an amount corresponding to the second request to debit the account balance. - View Dependent Claims (16, 17, 18, 19, 20, 21)
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22. A payment-service-system server configured to perform a method comprising:
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receiving, by the payment-service-system server, a request to debit funds from a second user account, wherein the request to debit funds comprises a payment card number; retrieving, by the payment-service-system server from a database record of a payment-service-system database, an account activation status; upon determining that the account activation status is inactive, transmitting, by the payment-service-system server to a first user computing device, a query to activate the second user account, wherein the query is transmitted in response to the request to debit funds from the second user account; receiving, at the payment-service-system server from the first user computing device, an activation request comprising personal information required for activation; and upon receiving, by the payment-service-system server, the activation request, modifying, by the payment-service-system server, the account activation status to active. - View Dependent Claims (23, 24, 25, 26, 27)
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Specification