US 10,242,362 B2Granted

Systems and methods for issuance of provisional financial accounts to mobile devices

AssigneeBank of the Ozarks

InventorsTrevor Burgess, Marcio deOliveira

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Abstract

Systems and methods permit secure and convenient provisional account creation for use in conducting payment transactions. The provisional account does not include sensitive data, thereby mitigating risk to a consumer's financial account if the provisional account were compromised. In one embodiment, a computing device associated with a financial service provider receives customer and customer device information. The provider computing device performs a verification analysis and a fingerprint analysis to authenticate the customer's identity and the customer device authenticity. The provider device also receives an access request message seeking authorization for an identity management service (“IdM”) to interface with the provider device. The provider device generates an access decision message indicating an approval or disapproval of an authorization request. If the authorization request is approved, the IdM generates a provisional account and transmits the account number and other information to the provider device and the customer device.

Claims18

Dependent claims

A computer-implemented method of issuing a provisional payment account comprising:

(a) providing a computing device associated with a provider;
(b) receiving, by the provider computing device, verification data and device fingerprint data;
(c) performing, by the provider computing device, a verification analysis using the verification data;
(d) performing, by the provider computing device, a device fingerprinting analysis using the device fingerprint data;
(e) receiving, by the provider computing device, a client access message transmitted by a consumer computing device, wherein the access message contains redirect data comprising (i) an authorization request generated by an identity management service, (ii) an identity management service identifier, and (iii) identity management service access level data;
(f) performing by the provider computing device, a client authorization analysis that comprises the step of authorizing the identity management service utilizing the identity management service identifier and identity management service identifier access level data;
(g) generating, by the provider computing device in response to the client access message, an access decision message indicating an approval or a disapproval of the authorization request, wherein if the authorization request is approved, the access decision message includes access data comprising (i) an identity management service uniform resource identifier, and (ii) an authorization token;
(h) receiving, by the provider computing device, an account activation message containing activation data, wherein the activation data comprises (i) a provisional account number generated by the identity management service, and (ii) the authorization token utilized to confirm approval of the authorization request;
(i) generating, by the provider computing device, a Provider Account Table comprising (i) the identity management service identifier, (ii) the provisional account number, and (ii) a consumer account number correlated to the provisional account number;
and
(j) generating, by the provider computing device, an account authorization message containing an initial transaction token.

8 more elements

A system for processing an account application comprising:

a first processor;
a second processor;
a third processor;
a data storage device including a computer-readable medium having computer readable code for instructing the first processor, and when executed by the first processor, the first processor performs operations comprising:
(a) receiving verification data and device fingerprint data;
(b) performing a verification analysis using the verification data;
(c) performing a device fingerprinting analysis using the device fingerprint data;
(d) receiving the client access message transmitted by the second processor, wherein the access message contains redirect data comprising (i) an authorization request venerated by the third processor (ii) an identity management service identifier, and (iii) identity management service access level data;
(e) performing a client authorization analysts that comprises the step of authorizing the third processor utilizing the identity management service identifier and identity management service identifier access level data;
(f) generating an access decision message in response to the client access message indicating an approval or disapproval of an authorization request, wherein if the authorization request is approved, the access decision message includes access data comprising (i) an identity management service uniform resource identifier, and (ii) an authorization token utilized to confirm approval of the authorization request;
(g) transmitting the access decision message to the second processor;
(h) receiving an account activation message containing activation data, wherein the activation data comprises a (i) provisional account number generated by the third processor, and (ii) the authorization token;
(i) generating a Provider Account Table comprising (i) the identity management service identifier, (ii) the provisional account number, and (ii) a consumer account number correlated to the provisional account number;
(j) generating an account authorization message containing an initial transaction token;
and
(k) transmitting the account authorization message to the third processor.

13 more elements

Dependencies are inferred from the claim text.

Facts

Application: 14/921,858Filed 23 Oct 2015
Published: US 2017/0116615 A127 Apr 2017
Granted: 26 Mar 2019
Term ends: Not estimatedThe source records don’t support an estimate.

Classification9 codes

G06Q 20/40145
Identity check for transactions: biometric identity checks
G06F 16/9017
Indexing; Data structures therefor; Storage structures: using directory or table look-up
G06Q 20/322
Using wireless devices: aspects of commerce using mobile devices [M-devices]
G06Q 40/02
Finance; Insurance; Tax strategies; Processing of corporate or income taxes: banking, e.g. interest calculation or account maintenance