SECURE ACCOUNT CREATION
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.
-
Citations
40 Claims
-
1-20. -20. (canceled)
-
21. A computer-implemented method performed by a payment-service system server comprising:
-
receiving, from a user computing device associated with a user, a payment request to debit a pre-existing account associated with the user, wherein the account corresponds to a database account record that is associated with a first payment card number; in response to receiving the payment request to debit the account; detecting an event indicative of a request for a second payment card number to be assigned to the account in response to determining the first payment card number is deactivated; and identifying the second payment card number from a plurality of unassigned payment card numbers stored in a payment-service-system database associated with the payment-service system; modifying the database account record to assign the second payment card number to the account as an active payment card; and facilitating processing of the payment request using the account and the second payment card number. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29)
-
-
30. A computer-implemented method of generating payment card numbers for individual user accounts associated with a payment service system performed by a payment-service-system server, the method comprising:
-
receiving, from a first user computing device associated with a first user, a payment request to debit an account balance; retrieving, from a payment-service-system database, a payment-service-system database account record including a first payment card number of a financial account associated with the first user, wherein the first payment card number is deactivated; in response to receiving the payment request to debit the account balance and determining that the first payment card number is deactivated, identifying a second payment card number from a plurality of unassigned payment card numbers stored in the payment-service-system database; modifying the payment-service-system database account record to assign the second payment card number to the financial account associated with the first user as an active payment card; and authorizing the payment request to debit the account balance associated with the financial account using the second payment card number. - View Dependent Claims (31, 32, 33)
-
-
34. A non-transitory computer-readable medium comprising a series of instructions to perform a method comprising:
-
receiving, from a first user computing device associated with a first user by a payment-service-system server, a payment request to debit an account balance; retrieving, from a payment-service-system database, a payment-service-system database account record including a first payment card number of a financial account associated with the first user, wherein the first payment card number is deactivated; in response to receiving the payment request to debit the account balance and determining that the first payment card number is deactivated, identifying a second payment card number from a plurality of unassigned payment card numbers stored in the payment-service-system database; modifying the payment-service-system database account record to assign the second payment card number to the financial account associated with the first user as an active payment card; and authorizing the payment request to debit the account balance associated with the financial account using the second payment card number. - View Dependent Claims (35, 36, 37)
-
-
38. A payment-service-system server configured to perform a method comprising:
-
receiving, from a first user computing device associated with a first user, a payment request to debit an account balance; retrieving, from a payment-service-system database, a payment-service-system database account record including a first payment card number of a financial account associated with the first user, wherein the first payment card number is deactivated; in response to receiving the payment request to debit the account balance and determining that the first payment card number is deactivated, identifying a second payment card number from a plurality of unassigned payment card numbers stored in the payment-service-system database; modifying the payment-service-system database account record to assign the second payment card number to the financial account associated with the first user as an active payment card; and authorizing the payment request to debit the account balance associated with the financial account using the second payment card number. - View Dependent Claims (39, 40)
-
Specification