Automated access data provisioning

• US 10,785,212 B2
• Filed: 02/20/2019
• Issued: 09/22/2020
• Est. Priority Date: 12/12/2014
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Wong, Erick, Ansari, Ansar, Bansal, Parveen, Thaw, William
• Primary Examiner(s): Desrosiers, Evans
• Application Number:
  US16/280,314
• Publication Number:
  US 20190182230A1
• Time in Patent Office: 580 Days
• Field of Search: 726 9
• CPC Class Codes: G06Q 10/00 Administration; Management
• CPC Class Codes: G07C 9/27 with central registration
• CPC Class Codes: H04L 2463/102 applying security measure for e-commerce data processing systems or methods, specially adapted for e-commerce G06Q30/00
• CPC Class Codes: H04L 63/083 using passwords cryptographic mechanisms or cryptographic arrangements for entity authentication using a predetermined code H04L9/3226
• CPC Class Codes: H04W 12/06 Authentication
• CPC Class Codes: H04W 12/068 using credential vaults, e.g. password manager applications or one time password [OTP] applications

Abstract

A method is disclosed. The method includes transmitting by a computing device, an account creation request to a remote server computer. The method further includes automatically provisioning the computing device with an access token in response to receiving a request to create the account.

Claims

1. A method comprising steps including:

receiving, by a server computer from a computing device comprising an application, user information input into the computing device by a user of the computing device;

determining, by the server computer, if the user information is already associated with an account by determining if the user information is stored in a database;

after determining that the user information is not already associated with the account, causing, by the server computer, the application on the computing device to present an account creation query for an account;

receiving, by the server computer via the application on the computing device, a request to create the account;

initiating, by the server computer, creation of the account; and

initiating, by the server computer, provisioning of the account with access data comprising a payment token that is a substitute for a primary account number automatically in response to the creation of the account,

wherein the steps of initiating the creation of the account, and initiating provisioning of the account with the access data automatically in response to the creation of the account occur without additional user input, and

wherein provisioning of the account with the access data comprises transmitting the access data to the computing device to store the access data on the computing device, and wherein the server computer supports token processing of a payment transaction submitted using the payment token by de-tokenizing the payment token to obtain the primary account number.

2. The method of claim 1, wherein the account is unrelated to the application, and wherein the account and the application are associated with different entities.

3. The method of claim 1, wherein the server computer is a token service computer.

4. The method of claim 1, wherein the user information is in a request, and the request further includes device information collected from the computing device.

5. The method of claim 1, wherein the user information comprises a phone number.

6. A server computer comprising:

a processor; and

a memory comprising a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor, for implementing a method comprising

receiving from a computing device comprising an application, user information input into the computing device by a user of the computing device;

determining if the user information is already associated with an account by determining if the user information is stored in a database;

after determining that the user information is not already associated with the account, causing the application on the computing device to present an account creation query for an account;

receiving, via the application on the computing device, a request to create the account;

initiating creation of the account; and

initiating provisioning of the account with access data comprising a payment token that is a substitute for a primary account number automatically in response to the creation of the account,

wherein the steps of initiating the creation of the account, and initiating provisioning of the account with the access data automatically in response to the creation of the account occur without additional user input, and

wherein provisioning of the account with the access data comprises transmitting the access data to the computing device to store the access data on the computing device, and wherein the computer readable medium in the server computer comprises code that when executed by the processor supports token processing of a payment transaction submitted using the payment token by de-tokenizing the payment token to obtain the primary account number.

7. The server computer of claim 6, wherein the account is unrelated to the application, and wherein the account and the application are associated with different entities.

8. The server computer of claim 6, wherein the server computer is a token service computer.

9. The server computer of claim 6, wherein the computing device is a mobile phone.

10. The server computer of claim 6, wherein the user information comprises an e-mail address.

11. A method comprising:

providing, by a computing device comprising an application to a server computer, user information, which causes the server computer to determine if the user information is already associated with an account by determining if the user information is stored in a database;

receiving, by the application in the computing device, an account creation query;

in response to receiving the account creation query, transmitting, by the computing device to the server computer, an account creation request comprising account information, to the server computer, and wherein an account is created thereafter and the server computer then automatically transmits and provisions access data comprising a payment token that is a substitute for a primary account number to the computing device in response to creation of the account without additional user input; and

receiving and storing, by the computing device, the access data associated with the account in the computing device, and

wherein the server computer supports token processing of a payment transaction submitted using the payment token by de-tokenizing the payment token to obtain the primary account number.

12. The method of claim 11, wherein the computing device is a mobile phone.

13. The method of claim 11, wherein the user information is in a request, and the request further includes device information comprising an IMEI number collected from the computing device.

14. The method of claim 11, wherein the account is a digital wallet account.

15. The method of claim 11, wherein the application performs an identity and verification process before receiving the access data.

16. A computing device comprising:

a processor; and

a memory comprising a computer readable medium coupled to the processor, the computer readable medium comprising an application and comprising code, executable by the processor, for implementing a method comprising

providing user information to a server computer, which causes the server computer to determine if the user information is already associated with an account by determining if the user information is stored in a database;

receiving an account creation query;

in response to receiving the account creation query, transmitting to the server computer, an account creation request comprising account information to the server computer, and wherein an account is created thereafter and the server computer then automatically transmits and provisions access data comprising a payment token that is a substitute for a primary account number to the computing device in response to creation of the account without additional user input; and

receiving and storing the access data associated with the account in the computing device, and wherein the server computer supports token processing of a payment transaction submitted using the payment token by de-tokenizing the payment token to obtain the primary account number.

17. The computing device of claim 16, wherein the application is a first application, and wherein method further comprises:

gathering, by a second application on the computing device, device information about the computing device without user interaction; and

transmitting the device information to the server computer.

18. The computing device of claim 16, wherein the application is an issuer application associated with the issuer.

19. The computing device of claim 16, wherein the computing device is a mobile phone.

20. The computing device of claim 16, wherein the application is an application provided by an authorizing entity computer.