ENROLLMENT SERVER

• US 20100268557A1
• Filed: 10/19/2009
• Published: 10/21/2010
• Est. Priority Date: 04/17/2009
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Coyne, Jack, Faith, Patrick, Hammad, Ayman
• Application Number:
  US12/581,753
• Publication Number:
  US 20100268557A1
• Time in Patent Office: Days
• US Class Current: 705/7
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/0201 Market modelling; Market analysis; Collecting market data
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/12 Accounting

Abstract

Systems, methods and apparatus for processing enrollment requests are provided. Enrollment requests may be sent from a user to an enrollment server. The enrollment server may verify the information in the enrollment request with entities that may contain authoritative data reflecting the validity of the information in the enrollment request. The authenticity of devices involved in the enrollment request may also be verified. In addition, the user'"'"'s transaction history can be reviewed to determine if the enrollment fits the user'"'"'s transaction history profile. Based on the verified information and a level of risk associated with the enrollment, the enrollment server may allow or deny the enrollment request.

Claims

1. An enrollment server comprising:

a processor;

a memory coupled to the processor, the memory comprising computer code for receiving an enrollment request at the enrollment server, the request including information identifying a requestor, computer code for sending at least a first portion of the identifying information to a first verifying entity, computer code for sending at least a second portion of the identifying information to a second verifying entity, computer code for receiving from the first verifying entity a first indication of the first portion of identifying information matching identifying information stored by the first verifying entity, computer code for receiving from the second verifying entity a second indication of the second portion of identifying information matching identifying information stored by the second verifying entity, computer code for comparing the enrollment request with a requestor'"'"'s transaction history, the comparison indicating a degree to which the enrollment request matches the requestor'"'"'s transaction history, and computer code for allowing or denying the enrollment request based on the first indication, the second indication, and the degree to which the enrollment request matches the requestor'"'"'s transaction history.

2. The enrollment server of claim 1 further comprising computer code for comparing the enrollment request with a transaction history and identifying information of members of the requestor'"'"'s household, the comparison indicating a degree to which the enrollment request matches the transaction history and identifying information of members of the requestor'"'"'s household, and computer code for allowing or denying the enrollment based on the degree to which the enrollment request matches the transaction history and identifying information of members of the requestor'"'"'s household.

3. The enrollment server of claim 2 further comprising computer code for assigning a level of risk to the enrollment request, the level of risk based on the potential adverse impact to the requestor, wherein the higher the level of risk assigned to the enrollment request, the greater the degree to which the enrollment request must match the requestor'"'"'s transaction history.

4. The enrollment server of claim 1 wherein the first verifying entity is an account issuer and the second verifying entity is a telecommunications carrier.

5. The enrollment server of claim 2 further comprising computer code for comparing the enrollment request with a transaction history and identifying information of members of the requestor'"'"'s household, the comparison indicating a degree to which the enrollment request matches the transaction history and identifying information of members of the requestor'"'"'s household, and computer code for allowing or denying the enrollment based on the degree to which the enrollment request matches the transaction history and identifying information of members of the requestor'"'"'s household.

6. A computer implemented enrollment method comprising:

receiving an enrollment request at an enrollment server, the enrollment request including information identifying a requestor;

sending at least a first portion of the identifying information to a first verifying entity;

sending at least a second portion of the identifying information to a second verifying entity;

receiving from the first verifying entity a first indication of the first portion of identifying information matching identifying information stored by the first verifying entity;

receiving from the second verifying entity a second indication of the second portion of identifying information matching identifying information stored by the second verifying entity;

comparing the enrollment request with a requestor'"'"'s transaction history; and

after comparing,

allowing or denying the enrollment request based on the first indication, the second indication, and the comparison of the requestor'"'"'s transaction history.

7. The method of claim 6 further comprising:

comparing the enrollment request with a transaction history and identifying information of members of the requestor'"'"'s household; and

allowing or denying the enrollment based on the comparison of the transaction history and identifying information of members of the requestor'"'"'s household.

8. The method of claim 6 wherein the first verifying entity is an account issuer.

9. The method of claim 6 wherein the second verifying entity is a telecommunications carrier.

10. The method of claim 7 wherein a level of risk is assigned to the enrollment request, the level of risk based on the potential adverse impact to the requestor.

11. The method of claim 10, wherein the higher the level of risk assigned to the enrollment request, the greater the degree to which the enrollment request must match the requestor'"'"'s transaction history.

12. The method of claim 11, wherein the higher the level of risk assigned to the enrollment request, the greater the degree to which the enrollment request must match the transaction history and identifying information of members of the requestor'"'"'s household.

13. The method of claim 6 further comprising:

generating a clean record of identifying information for the requestor, the clean record including at least portions of the identifying information that has been verified; and

storing the clean record in a clean record database.

14. The method of claim 13 further comprising:

providing an external interface to the clean record database to supply the clean record to external systems.

15. The method of claim 6 further comprising:

receiving device identification information from the requestor, the device identification information identifying the device used to send the enrollment request;

comparing the device identification information to device identification information stored in a device database; and

denying the enrollment request if the device identification information and the stored device identification information are not the same.

16. The method of claim 15 further comprising:

storing the device identification information in the device database if the device identification information can be verified through the first verifying entity, the second verifying entity, or the requestor'"'"'s transaction history.

17. The method of claim 6 further comprising:

receiving device identification information from the requestor, the device identification information identifying the device being enrolled in the enrollment request;

comparing the device identification information to device identification information stored in a device database; and

denying the enrollment request if the device identification information and the stored device identification information are not the same.

18. The method of claim 6 wherein the requestor'"'"'s transaction history is updated in real time by a payment processing network, wherein the requestor'"'"'s transaction history is updated at substantially the same time as a transaction is performed.

19. A computer implemented method of enrolling comprising:

sending an enrollment request to an enrollment server, the enrollment request including information identifying a requestor, wherein the enrollment server is configured to receive the enrollment request, send at least a first portion of the identifying information to a first verifying entity, send at least a second portion of the identifying information to a second verifying entity, receive from the first verifying entity a first indication of the first portion of identifying information matching identifying information stored by the first verifying entity, receive from the second verifying entity a second indication of the second portion of identifying information matching identifying information stored by the second verifying entity, compare the enrollment request with a requestor'"'"'s transaction history, the comparison indicating a degree to which the enrollment request matches the requestor'"'"'s transaction history, and allow or deny the enrollment request based on the first indication, the second indication, and the degree to which the enrollment request matches the requestor'"'"'s transaction history; and

receiving an enrollment response, the response indicating if the enrollment is allowed or denied.

20. The method of claim 19 wherein the enrollment server is further configured to compare the enrollment request with a transaction history and identifying information of members of the requestor'"'"'s household, the comparison indicating a degree to which the enrollment request matches the transaction history and identifying information of members of the requestor'"'"'s household, and allow or deny the enrollment based on the degree to which the enrollment request matches the transaction history and identifying information of members of the requestor'"'"'s household.