Retailer card instant approval and provisioning

Patent metadata

Field	Value
Publication number	US-12321925-B1
Application number	US-202218079736-A
Country	US
Kind code	B1
Filing date	Dec 12, 2022
Priority date	Aug 10, 2018
Publication date	Jun 3, 2025
Grant date	Jun 3, 2025

Abstract

A method performed by retailer computing system includes retrieving identification information for a customer and transmitting the identification information to an issuer computing system. The method includes receiving, from the issuer computing system, a pre-approval message indicating that the customer is pre-approved to open a payment account. The method includes receiving account registration information for opening the payment account from the customer and transmitting the account registration information to the issuer computing system. In response to establishing the payment account for the customer, a payment token for the payment account is automatically provisioned to a mobile wallet associated with the customer.

First claim

What is claimed is:

1. A computer-implemented method performed by a retailer computing system, the method comprising:
retrieving, by the retailer computing system, identification information for a customer;
transmitting, by the retailer computing system to an issuer computing system, the identification information;
receiving, by the retailer computing system from the issuer computing system, a pre-approval message indicating that the customer is pre-approved to open a payment account;
receiving, by the retailer computing system from the customer, account registration information for opening the payment account and a mobile device identifier associated with a mobile device, wherein the mobile device identifier is received from the mobile device via a first near-field communication (NFC) tap between the mobile device and a transceiver associated with the retailer computing system;
providing, by the retailer computing system, the mobile device identifier to the issuer computing system to validate the mobile device as being associated with the customer;
transmitting, by the retailer computing system to the issuer computing system, the account registration information; and
receiving, by the retailer computing system and from the issuer computing system in response to establishing the payment account, a payment token for the payment account, wherein the payment token is automatically provisioned to a mobile wallet of the validated mobile device via a second NFC tap between the mobile device and the transceiver associated with the retailer computing system.

2. The method of claim 1 , further comprising pre-populating, by the retailer computing system in response to receiving the pre-approval message, an account registration form with the identification information for the customer.

3. The method of claim 1 , further comprising transmitting, by the retailer computing system to the issuer computing system, the mobile device identifier associated with the mobile device of the customer.

4. The method of claim 1 , wherein the account registration information for opening the payment account is received from the mobile device of the customer via a wireless communication.

5. The method of claim 1 , wherein the mobile wallet is associated with the mobile device of the customer.

6. The method of claim 1 , further comprising receiving, from the issuer computing system in response to transmitting the account registration information, the payment token for the payment account.

7. The method of claim 1 , further comprising:
transmitting, by the retailer computing system to the issuer computing system, the mobile device identifier associated with the mobile device of the customer; and
receiving, from the issuer computing system in response to the mobile device of the customer being validated, the payment token for the payment account.

8. The method of claim 1 , further comprising:
receiving, from the issuer computing system, a prompt to obtain information from the customer regarding the mobile device of the customer.

9. A computing system, comprising:
one or more processors; and
non-transitory computer-readable media storing instructions that, when executed by the one or more processors, cause the one or more processors to perform operations, comprising:
retrieving identification information for a customer;
transmitting, to an issuer computing system, the identification information;
receiving, from the issuer computing system, a pre-approval message indicating that the customer is pre-approved to open a payment account;
receiving, from the customer, account registration information for opening the payment account and a mobile device identifier associated with a mobile device, wherein the mobile device identifier is received from the mobile device via a first near-field communication (NFC) tap between the mobile device and a transceiver associated with the computing system;
providing the mobile device identifier to the issuer computing system to validate the mobile device as being associated with the customer;
transmitting, to the issuer computing system, the account registration information; and
receiving, by a retailer computing system and from the issuer computing system in response to establishing the payment account, a payment token for the payment account, wherein the payment token is automatically provisioned to a mobile wallet of the validated mobile device via a second NFC tap between the mobile device and the transceiver associated with the retailer computing system.

10. The computing system of claim 9 , the operations further comprising pre-populating, in response to receiving the pre-approval message, an account registration form with the identification information for the customer.

11. The computing system of claim 9 , the operations further comprising transmitting, to the issuer computing system, the mobile device identifier associated with the mobile device of the customer.

12. The computing system of claim 9 , wherein the account registration information for opening the payment account is received from the mobile device of the customer via a wireless communication.

13. The computing system of claim 9 , wherein the mobile wallet is associated with the mobile device of the customer.

14. The computing system of claim 9 , the operations further comprising:
transmitting, to the issuer computing system, the mobile device identifier associated with the mobile device of the customer; and
receiving, from the issuer computing system in response to the mobile device of the customer being validated, the payment token for the payment account.

Assignees

• Wells Fargo Bank Na

Inventors

• Ho Peter
• Martinez Andrew L

Classifications

• G06Q40/03 Primary

  Credit; Loans; Processing thereof · CPC title

• G06Q20/24

  Credit schemes, i.e. "pay after" · CPC title

• G06Q20/06

  Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme · CPC title

• G06Q20/4014

  Identity check for transactions · CPC title

• G06Q20/326

  Payment applications installed on the mobile devices · CPC title