Secure account creation

Patent metadata

Field	Value
Publication number	US-10453056-B2
Application number	US-201715640321-A
Country	US
Kind code	B2
Filing date	Jun 30, 2017
Priority date	Jun 29, 2017
Publication date	Oct 22, 2019
Grant date	Oct 22, 2019

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.

First claim

We claim:

1. A computer-implemented method performed by a payment-service-system server comprising:
receiving, from an issuer processor server, a plurality of payment card numbers, wherein the payment card numbers are initially unassigned with respect to accounts registered with the payment-service-system server;
storing, by the payment-service-system, the unassigned payment card numbers in a payment-service-system database;
receiving, from a user computing device, a payment request to debit a pre-existing account associated with the user, wherein fulfillment of the payment request requires a payment card number, and wherein the account corresponds to a database account record and is not yet associated with any of the unassigned payment card numbers, an account balance and an account activation status, wherein the account activation status is inactive;
in response to receiving the payment request to debit the account:
associating in real-time the account with one of the unassigned payment card numbers in the payment-service-system database; and

transmitting, to the user computing device, a first unique code and information to cause an application executing on the user computing device to display a notification window, the notification window requesting the user to set the account activation status to active by entering the first unique code in the notification window;
receiving, from the user computing device, an activation request comprising a second code and personal information required for activation;
upon determining that the second code corresponds to the first unique code, modifying the database account record to assign the payment card number to the user account as an active payment card; and
facilitating processing of the payment request using the account and payment card number.

2. The computer-implemented method of claim 1 , further comprising:
receiving, from the user computing device, a second request to debit the account, wherein the second request comprises an amount and the payment card number, wherein the account activation status is active;
retrieving, from the payment-service-system database, the database account record corresponding to the payment card number of the second request to debit the account;
routing, by the payment-service-system server, the second request to the system of record server; and
upon determining that the account activation status of the database account record is active, debiting the account by the amount.

3. The computer-implemented method of claim 1 , further comprising:
upon receiving the request to debit the account, performing steps comprising
retrieving, by the payment-service-system server, the payment card number from the payment-service-system database;
establishing, by the payment-service-system server, the account; and
associating, by the payment-service-system server, the account and the payment card number.

4. The computer-implemented method of claim 1 , further comprising:
receiving, at the payment-service-system server, a peer-to-peer payment request from a second user computing device, wherein the peer-to-peer payment request comprises an amount and a unique user identifier;
determining, by the payment-service-system server, that the unique user identifier does not match any accounts in a payment-service-system database;
upon determining that there is no database account record matching the unique user identifier, creating the database account record corresponding to the payment card number; and
transmitting, by the payment-service-system server, a notification corresponding to the peer-to-peer payment request to the user computing device.

5. The computer-implemented method of claim 4 , wherein the notification comprises the amount and instructions to activate the account corresponding to the database account record and the payment card number.

6. The computer-implemented method of claim 1 , further comprising:
further upon determining that the account activation status of the database account record is inactive, interrupting, by the payment-service-system server, the request to debit the account.

7. The computer-implemented method of claim 1 , further comprising:
upon modifying the database account record to contain the active account activation status, resuming, by the payment-service-system server, the request to the system of record server to debit the account balance.

8. The computer-implemented method of claim 1 , wherein the payment request is received from the user computing device via a first communication channel comprising one or more of an near-field communication (NFC) reader, a magnetic strip reader, or internet, and wherein the first unique code is transmitted to the user computing device via a second communication channel comprising one or more of an email, a phone call, an instant message, a notification, or a short message service (SMS) message.

9. 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 an issuer processor server, a plurality of payment card numbers, wherein the payment card numbers are initially unassigned with respect to accounts registered with the payment-service-system server;
storing, by the payment-service-system, the unassigned payment card numbers in a payment-service-system database;
receiving, from a first user computing device associated with a first user, a payment request to debit an account balance, wherein fulfillment of the payment request requires a payment card number;
retrieving, from the 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, wherein the payment-service-system database account record is not yet associated with any of the unassigned payment card numbers, and wherein the account activation status is inactive;
in response to receiving the payment request to debit the account balance:
associating in real-time the financial account with one of the unassigned payment card numbers in the payment-service-system database;

generating, by the payment-service-system server, a query for the first user to set the account activation status to active, wherein the query comprises a first unique code to enter to set the account activation status to active; and
transmitting, by the payment-service-system server to the first user computing device, the query comprising the first unique code, wherein the query is transmitted in response to the request to debit the account balance;

receiving, from the first user computing device, an activation request comprising a second code and personal information required for activation;
matching, by the payment-service-system server, the second code to the first unique code and the personal information required for activation;
modifying, by the payment-service-system server in response to matching the second code to the first unique code, the payment-service-system database account record to assign the payment card number to the financial account associated with the first user as an active payment card;
authorizing, by the payment-service-system server in response to matching the second code to the first unique code, the payment request to debit an account balance associated with the financial account; and
debiting, by the payment-service-system server, the account balance using the payment card number by an amount corresponding to the request to debit the account balance.

10. The computer-implemented method of claim 9 , further comprising:
re

Assignees

• Square Inc

Inventors

• Grassadonia Brian
• Moring Michael
• Andersen Robert
• Perito Daniele
• Omojola Ayokunle

Classifications

• G06Q20/355

  Personalisation of cards for use · CPC title

• G06Q20/3821

  Electronic credentials · CPC title

• G06Q20/4014

  Identity check for transactions · CPC title

• G06Q20/42

  Confirmation, e.g. check or permission by the legal debtor of payment · CPC title

• G06Q20/385 Primary

  using an alias or single-use codes · CPC title