One swipe registration

Patent metadata

Field	Value
Publication number	US-9799071-B1
Application number	US-201414284227-A
Country	US
Kind code	B1
Filing date	May 21, 2014
Priority date	May 21, 2014
Publication date	Oct 24, 2017
Grant date	Oct 24, 2017

Abstract

Disclosed are system and methods for registering an account with a payment service system on behalf of a customer in response to a payment card associated with the customer being used at a point of sale terminal. The system receives payment card information extracted from the payment card when it is swiped at the point of sale terminal. The system also receives a communication identifier that is entered on a user interface of the point of sale terminal or on a user interface of a mobile application on a mobile device of the customer. In response to receiving the payment card information and the communication identifier, the system automatically creates an account for the customer by associating the payment card with the communication identifier without requiring the user to enter details of the payment card to link the payment card to the account.

First claim

What is claimed is:

1. A method of automatically creating an account on behalf of a customer that enables the customer to transfer money, comprising:
receiving, at a payment service system, payment card information extracted by a point of sale (POS) terminal of a merchant from a payment card swiped by the customer at the POS terminal,
wherein the payment card is used in a financial transaction between the customer and the merchant,
wherein the payment card information provides an electronic access to the customer's financial account at a financial institution to deposit or withdraw funds;

receiving, at the payment service system, an email address input by the customer as a part of the financial transaction for the purpose of electronic receipt delivery to the customer,
wherein the email address is received through a user interface presented at the POS terminal of the merchant;

automatically creating, by the payment service system, an account for the customer at the payment service system by linking, in a storage area, the payment card information with the email address, wherein the account is configured to be used by the customer to transfer money to other individuals;
verifying, by the payment service system, the account using a communication channel associated with the customer, wherein the account is verified to determine that the customer is the owner of the email address and has possession of the payment card, wherein the verifying includes:
transmitting, by the payment service system, a verification request to the email address, wherein the verification request includes a link to a network-accessible interface configured for the customer to input a card verification value;
receiving, by the payment service system, a response to the verification request, wherein the response includes a card verification value entered by the customer at the network-accessible interface; and
in response to determining, by the payment service system, that the card verification value in the response matches a card verification value previously associated with the payment card linked to the account:
assigning, by the payment service system, the account a verified status, wherein the verified status fully authorizes the account for use by the customer to transfer money to other individuals using the payment service system.

2. The method of claim 1 , further comprising:
prior to verifying the account, allowing money transferred by another customer to the customer using the email address of the customer to be deposited into the customer's financial account associated with the payment card.

3. The method of claim 1 , further comprising:
receiving, by the payment service system, an email message from the email address of the customer to transfer an amount of money to a recipient, the email message including a header that specifies a recipient email address associated with the recipient and the service email address associated with the payment service system and a body, wherein the amount of money to be transferred is specified in the body or a subject field in the header;
determining, by the payment service system, that the email address of the customer is linked to the customer's financial account and the account has been assigned the verified status; and
initiating, by the payment service system, a transfer of the amount of money specified in the email message from the customer's financial account to a financial account associated with the recipient.

4. The method of claim 1 , wherein a user interface is displayed on the mobile device in response to a notification pushed to the mobile device from the payment service system to prompt the customer to provide the email address.

5. A method of creating an account with a payment service system on behalf of a customer that enables money to be transferred using a communication identifier and a payment card tied to the communication identifier, comprising:
receiving, at the payment service system, first payment card data extracted by a point of sale terminal from a first payment card swiped by a customer at the point of sale terminal, wherein the payment card is used in a financial transaction,
wherein the point of sale terminal is operated by a merchant, and wherein the first payment card data is received electronically from the point of sale terminal;

transmitting, by the payment service system to the point of sale terminal, an instruction to instruct the customer's mobile device to generate a push notification configured to prompt the customer to enter a communication identifier;
receiving, at the payment service system, the communication identifier input by the customer in response to the push notification;
automatically creating the account for the customer at the payment service system by linking the communication identifier with the first payment card data received as part of the financial transaction, wherein the account is configured to be used by the customer to transfer money to other individuals;
transmitting, by the payment service system, a verification request through a communication channel associated with the communication identifier, wherein the verification request includes a link to a network-accessible interface configured for the customer to input a card verification value;
receiving, by the payment service system, a response to the verification request, wherein the response includes a card verification value entered by the customer at the network-accessible interface;
in response to determining by the payment service system, that the card verification value in response matches a card verification value previously associated with the payment card linked to the account:
assigning, by the payment service system, the account a verified status, wherein the verified status authorizes the customer to transfer money to other individuals using the communication identifier.

6. The method of claim 5 , wherein the communication identifier is provided by the customer via a user interface presented at the point of sale system operated by the merchant.

7. The method of claim 5 , wherein the verification request causes a mobile application on the mobile device to present a user interface for the customer to input the card verification value.

8. The method of claim 5 , further comprising:
receiving, by the payment service application, an identifier for a mobile application or the mobile device along with the card verification value; and
in response, associating, by the payment service application, the identifier for the mobile application or the mobile device with the account for the customer.

9. The method of claim 8 , further comprising:
using the card verification value for the first payment card received from the customer to verify that the customer associated with the first payment card is also associated with the communication identifier and the identifier for the mobile application or the mobile device.

10. The method of claim 9 , wherein upon verifying that the customer associated with the first payment card is also associated with the communication identifier and the identifier for the mobile application or the mobile device, allowing any one of the communication identifier or the identifier for the mobile application or the mobile device to be used in lieu of the first payment card in a transaction involving the payment service system.

11. The method of claim 5 , wherein the communication identifier includes at least one of an email address and a phone number.

12. The method of claim 5 , further comprising:
receiving, by the payment service system, a transaction request from the communication identifier t

Assignees

• Square Inc

Inventors

• Wilson Jesse
• Grassadonia Brian
• Rhodes Matthew

Classifications

• G06Q40/02 Primary

  Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) · CPC title

• G06Q20/10

  specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems · CPC title

• G06Q20/4018

  using the card verification value [CVV] associated with the card · CPC title

• G06Q20/3265

  characterised by personalisation for use · CPC title

• G06Q20/20

  Point-of-sale [POS] network systems · CPC title