Secure account creation
US12277556B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Apr 26, 2023 |
| Grant date | Apr 15, 2025 |
| Priority date | — |
| Expiry date | Jul 29, 2043 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/42
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
In one embodiment, a payment service system-implemented method of assigning payment card numbers for individual user accounts associated with the payment service system includes receiving payment card numbers activated by a third-party server that are unassigned to accounts registered. The method includes receiving a first transaction authorization request for one of the payment card numbers and denying the request, without notifying the third-party server, based on the number being unregistered with the payment service system. The method includes receiving, via an executable application, a request to register a user account for a payment service system user, and in response, generating a record assigning the payment card number to the user account. The method includes receiving a second transaction authorization request for the payment card number, authorizing the request based on the number being assigned to the user account, and notifying the third-party server, causing user account's balance to be modified.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.