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SECURE ACCOUNT CREATION

  • US 20190005491A1
  • Filed: 06/30/2017
  • Published: 01/03/2019
  • Est. Priority Date: 06/29/2017
  • Status: Active Grant
First Claim
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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.

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