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US 10,567,963 B2Granted
System for authorizing access to resources and distributing resource provider devices
AssigneeVisa International Service Association
InventorJacob Varghese
Life of this patent
Estimating the term…
Abstract
Embodiments of the invention are directed to identifying information about a resource provider for a future transaction of a resource, when the provider is unaware and/or does not provide the information. The information can identify a unique resource provider code from a plurality of resource provider codes that helps allow the resource provider to settle the future transaction for the resource using the resource provider code.
Claims21
A method comprising:
- receiving, by a merchant database in communication with a server computer from one or more data sources, a plurality of merchant codes;
- receiving, by the server computer and from a user device, information identifying a merchant, wherein the information does not include a merchant code associated with the merchant;
- accessing, by the server computer, the plurality of merchant codes in the merchant database;
- matching, by the server computer, the information identifying the merchant with the merchant code from the plurality of merchant codes;
- based on receiving the information identifying the merchant and matching the information with the merchant code, determining, by the server computer, that the merchant did not enroll with the server computer;
- generating a profile for the merchant, wherein the generation of the profile is based at least in part on the determination that the merchant did not enroll with the server computer, wherein the information identifying the merchant is stored with the profile for the merchant;
- determining an account identifier associated with the merchant code, wherein the account identifier is also stored with the profile for the merchant;
- and
- providing the account identifier to a user, wherein the account identifier is provided during a future transaction with a point of sale (POS) terminal of the merchant.
6 more elements
A server computer comprising:
- a processor;
- a merchant database comprising a plurality of merchant codes;
- and
- a computer readable medium, the computer readable medium comprising code, executable by the processor, to implement a method comprising:
- receiving, by the merchant database, a plurality of merchant codes;
- receiving, from a user device, information identifying a merchant, wherein the information does not include a merchant code associated with the merchant;
- accessing the plurality of merchant codes in the merchant database;
- matching the information identifying the merchant with the merchant code from the plurality of merchant codes;
- based on receiving the information identifying the merchant and matching the information with the merchant code, determining, by the server computer, that the merchant did not enroll with the server computer;
- generating a profile for the merchant, wherein the generation of the profile is based at least in part on the determination that the merchant did not enroll with the server computer, wherein the information identifying the merchant is stored with the profile for the merchant;
- determining an account identifier associated with the merchant code, wherein the account identifier is also stored with the profile for the merchant;
- and
- providing the account identifier to a user, wherein the account identifier is provided during a future transaction with a point of sale (POS) terminal of the merchant.
10 more elements
Dependencies are inferred from the claim text.