Offline onboarding of trackable transaction instrument with associated profile

Patent metadata

Field	Value
Publication number	US-2020175495-A1
Application number	US-201816206834-A
Country	US
Kind code	A1
Filing date	Nov 30, 2018
Priority date	Nov 30, 2018
Publication date	Jun 4, 2020
Grant date	—

Abstract

A transaction card associated with a payment service may be purchased by a customer without the customer having a user profile with the payment service. The user scans a card identifier from the transaction card or from the transaction card's packaging using a mobile device, which then sends the card identifier to the payment service. The payment service may use the card identifier to generate a user profile that the payment service can automatically link to the transaction card. The user can track transactions made using the transaction card via the user profile.

First claim

1 . A method for generating a user profile and tracking transactions related to the user profile via one or more servers of a payment service, the method comprising:
storing, in a data store maintained by the payment service, an association of a first card identifier and a second card identifier with a physical transaction card, the association stored before a purchase of the physical transaction card from a first merchant by a user, wherein the physical transaction card is stored in a packaging before the purchase, wherein the packaging conveys the first card identifier to a merchant point of sale (POS) device; receiving, at the payment service and from the merchant POS device, the first card identifier and a numerical balance associated with the physical transaction card in response to the purchase of the physical transaction card from the first merchant, the merchant POS device having identified the first card identifier from the packaging; associating the numerical balance with the first card identifier and the physical transaction card at the payment service in response to receiving the first card identifier from the merchant POS device; receiving, at the payment service and from a software application executing on a mobile device associated with the user, an indication that the mobile device has received the second card identifier associated with the physical transaction card; upon receiving the indication that the mobile device has received the second card identifier from the software application executing on the mobile device, executing instructions by one or more processors, wherein execution of the instructions by the one or more processors cause the one or more processors to:
verify, by the payment service and based on the stored association, that the first card identifier and second card identifier correspond to the physical transaction card,
generate, by the payment service, the user profile associated with the user and including user information from the mobile device, and
link, by the payment service, the physical transaction card and the numerical balance with the user profile automatically based on the verification,
transmitting, from the payment service to the user mobile device, the numerical balance associated with the physical transaction card, causing the software application executed by the mobile device to display the numerical balance via a user interface; and upon receiving an indication that the physical transaction card is used for a transaction between the user and a second merchant, modifying the numerical balance associated with the physical transaction card, wherein modifying the numerical balance causes the numerical balance as modified to be displayed via the user interface of the software application executed by the mobile device.

2 . The method of claim 1 , further comprising:
receiving, from a second merchant POS device associated with the second merchant, card information read from the physical transaction card by the second merchant POS device; retrieving the numerical balance associated with the physical transaction card in response to receipt of the card information from the second merchant POS device; and transmitting the numerical balance to the second merchant POS device in response to receipt of the card information.

3 . The method of claim 1 , further comprising:
receiving, from a second merchant POS device associated with the second merchant, card information read from the physical transaction card by the second merchant POS device; receiving, from the second merchant POS device associated with the second merchant, a transaction amount associated with the transaction between the user and the merchant; retrieving the numerical balance associated with the physical transaction card in response to receipt of the card information from the second merchant POS device; and transmitting, to the second merchant POS device, a notification identifying whether the transaction amount associated with the transaction between the user and the second merchant exceeds the numerical balance.

4 . The method of claim 1 , further comprising:
receiving, from a second merchant POS device associated with the second merchant, a user profile identifier associated with the user profile as received by second merchant point of sale device from the mobile device during the transaction; retrieving the numerical balance associated with the physical transaction card in response to receipt of the user profile identifier from the second merchant POS device; and transmitting the numerical balance to the second merchant POS sale device.

5 . The method of claim 1 , further comprising:
receiving, from a second merchant POS device associated with the second merchant, a user profile identifier associated with the user profile as received by second merchant POS device from the user mobile device during the transaction; receiving, from the second merchant POS device associated with the second merchant, a transaction amount associated with the transaction between the user and the second merchant; retrieving the numerical balance associated with the physical transaction card in response to receipt of the user profile identifier from the second merchant point of sale device; and transmitting, to the second merchant point of sale device, a notification identifying whether the transaction amount associated with the transaction between the user and the second merchant exceeds the numerical balance.

6 . The method of claim 1 , wherein the indication that the user mobile device has received the second card identifier associated with the physical transaction card is an indication that an optical scanner of the user mobile device has scanned an optical glyph encoding at least the second card identifier, wherein the optical glyph includes at least one of a barcode or a quick response (“QR”) code.

7 . The method of claim 1 , wherein the indication that the user mobile device has received the second card identifier associated with the physical transaction card is an indication that a near field communication (NFC) transceiver of the user mobile device has received an NFC signal from NFC circuitry associated with the physical transaction card, the NFC signal conveying at least the second card identifier.

8 . The method of claim 1 , further comprising receiving, at the payment service and from the user mobile device associated with the user, user identifying information identifying the user, wherein generating the user profile associated with the user includes incorporating the user identifying information into the user profile, wherein the user identifying information includes at least one of a username, a password, a legal name, an address, a date of birth, a social security number, or a government-issued identification code.

9 . The method of claim 1 , further comprising:
receiving, at the payment service, an indication that the physical transaction card was used in a second transaction before generating the user profile; and modifying the numerical balance associated with the physical transaction card based on the second transaction before generating the user profile.

10 . A system including one or more servers of a payment service, the system comprising:
one or more non-transitory storage media that store an association between a first card identifier and a second card identifier with a transaction card, the association stored before a user purchases the transaction card from a first merchant, wherein the physical transaction card is stored in a packaging before the purchase, wherein the packaging conveys the first card identifier to a merchant point of sale (POS) device, wherein the one or more

Assignees

• Square Inc

Inventors

• Omojola Ayokunle
• Dhodapkar Ashutosh Sham

Classifications

• G06Q20/3276 Primary

  using a pictured code, e.g. barcode or QR-code, being read by the M-device · CPC title

• G06Q20/3221

  Access to banking information through M-devices · CPC title

• G06Q20/341

  Active cards, i.e. cards including their own processing means, e.g. including an IC or chip · CPC title

• G06Q20/42

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

• G06K19/06037

  multi-dimensional coding · CPC title