System and method for facilitating transaction account provisioning

Patent metadata

Field	Value
Publication number	US-12182797-B2
Application number	US-202318225523-A
Country	US
Kind code	B2
Filing date	Jul 24, 2023
Priority date	May 10, 2022
Publication date	Dec 31, 2024
Grant date	Dec 31, 2024

Abstract

In a method for broadcasting account provisioning information, user datum encryption information is transmitted to a plurality of account processing systems. A request to share account provisioning information is received from a user device associated with an account holder. A user datum of the account holder is encrypted using the encryption information and transmitted to the account processing systems. A response is received from at least one of the account processing systems, the response including an indication that the account holder has a transaction account processed by that account processing system. A request for confirmation that the account provisioning information should be shared is sent to the user device and a confirmation response is received from the user device that includes permission to share account provisioning information. Account provisioning information is then transmitted to one or more of the account processing systems.

First claim

What is claimed is:

1. A system, comprising:
an account administrator processor, wherein the account administrator processor is configured to:
receive one or more account provisioning information from at least one of a plurality of account processing systems;
store the one or more account provisioning information in a data storage unit;
receive, from a transaction processor, a user account query, wherein the user account query comprises an encrypted client datum;
determine whether the encrypted client datum is associated with any of the account provisioning information, wherein the determination comprises
comparing the encrypted client datum to one or more stored client datum;
transmit, to the transaction processor, a positive account holder identification notification;
carry out at least one service eligibility check to determine a positive or negative provisioning service eligibility for a user account;
construct an application transition link configured to launch, on a user device, an account application associated with the user account of an account holder;
transmit to the user device, a transaction processing prompt including the application transition link;
receive, from the user device, a transaction processing response comprising approval for account information provisioning;
retrieve, from the data storage unit, the one or more account provisioning information; and
transmit, to the transaction processor, the one or more account provisioning information,
wherein the actions of constructing an application link, transmitting the transaction processing prompt, retrieving the one or more account provisioning information, and transmitting the one or more account provisioning information are carried out only after a positive service eligibility is determined for the user account.

2. The system of claim 1 , wherein the account administrator processor is further configured to:
transmit, to the user device, an authentication request; and
receive, from the user device, an authentication credential.

3. The system of claim 2 , wherein the authentication credential includes encrypted information received by the user device from a contactless card associated with the user account.

4. The system of claim 2 , wherein the authentication credential includes multi-factor information associated with the user account.

5. The system of claim 1 , wherein the client datum is at least one selected from the group of a phone number and an email address.

6. The system of claim 1 , wherein
the at least one of a plurality of account processing system is associated with a merchant,
the user account is a contactless card account, and
the account provisioning information includes contactless card account information for use in carrying out account holder transactions processed by the at least one of a plurality of account processing system.

7. The system of claim 1 , wherein the account administrator processor is further configured to request permission from the at least one of a plurality of processing systems to store the provisioning information for use in future transactions.

8. The system of claim 1 , wherein the at least one service eligibility check includes at least one selected from the group of a mobile number stability check and a SIM swap check.

9. The system of claim 8 , wherein:
the at least one service eligibility check comprises the mobile number stability check, and
the account administrator processor is further configured to request in connection with the mobile number stability check, from a telecommunications provider, a time interval since a change to the mobile number.

10. A method for providing account provisioning information to a transaction account processing system, the method comprising:
receiving, by an account administrator processor, one or more account provisioning information from at least one of a plurality of account processing systems;
storing, by the account administrator processor, the one or more account provisioning information in a data storage unit;
receiving, by the account administrator processor from a transaction processor, a user account query, wherein the user account query comprises an encrypted client datum;
determining, by the account administrator processor, whether the encrypted client datum is associated with any of the account provisioning information, wherein the determination comprises comparing the encrypted client datum to one or more stored client datum;
transmitting, by the account administrator processor to the transaction processor, a positive account holder identification notification;
carrying out, by the account administrator processor, at least one service eligibility check to determine a positive or negative provisioning service eligibility for a user account;
constructing, by the account administrator processor, an application transition link configured to launch, on a user device, an account application associated with the user account of an account holder;
transmitting, by the account administrator processor to the user device, a transaction processing prompt including the application transition link;
receiving, by the account administrator processor from the user device, a transaction processing response comprising approval for account information provisioning;
retrieving, by the account administrator processor from the data storage unit, the one or more account provisioning information; and
transmitting, by the account administrator processor to the transaction processor, the one or more account provisioning information,
wherein the actions of constructing an application link, transmitting the transaction processing prompt, retrieving the one or more account provisioning information, and transmitting the one or more account provisioning information are carried out only after a positive service eligibility is determined for the user account.

11. The method of claim 10 , wherein the client datum is at least one selected from the group of a phone number and an email address.

12. The method of claim 10 , wherein:
the account processing system is associated with a merchant,
the user account is a contactless card account, and
the account provisioning information includes contactless card account information for use by the account processing system to complete the transaction.

13. The method of claim 10 , wherein:
transmitting, by the account administrator processor to the user device, a confirmation authentication request;
receiving, by the account administrator processor from the user device, at least one authentication credential; and
authenticating the transaction processing response by the account administrator processor using the at least one authentication credential and a predetermined authentication process,
wherein the action of transmitting account provisioning information is carried out only after a positive authentication of the confirmation authentication request.

14. The method of claim 13 , wherein the at least one authentication credential includes encrypted information received by the user device from a contactless card associated with the user account.

15. The method of claim 13 , wherein the at least one authentication credential includes multi-factor information associated with the user account.

16. The method of claim 10 , wherein the account administrator processor is further configured to request permission for the account processing system to store the provisioning information for use in future transactions.

17. The method of claim 10 , wherein the client

Assignees

• Capital One Services Llc

Inventors

• Rule Jeffrey
• Osborn Kevin

Classifications

• G06Q20/3278

  RFID or NFC payments by means of M-devices · CPC title

• G06Q20/227

  characterised in that multiple accounts are available, e.g. to the payer · CPC title

• G06Q20/3265

  characterised by personalisation for use · CPC title

• G06Q20/4014

  Identity check for transactions · CPC title

• G06Q20/389

  Keeping log of transactions for guaranteeing non-repudiation of a transaction · CPC title