US 12,008,641 B1Granted

Near instantaneous payment card or loan approval using digital identity

AssigneeUnited Services Automobile Association (USAA)

InventorsPatrick Adam, Benjamin Goos, Gabriel Carlos Fernandez, Christopher Paul Blanchard, Gage Robert Lynch

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Abstract

Systems and methods are described to facilitate an efficient on-boarding experience for users joining a financial institution, while maintaining the integrity of certain operations to determine whether the users are eligible for certain financial products based on the personal information of the users. For instance, a first server may perform an approval process by receiving a request to verify an identity of the user using a digital identity service, sending to a second server a request to obtain one or more categories of personal information about the user, receiving personal information associated with the one or more categories selected by or authorized by the user, determining, based on at least some of the received personal information, that the user is approved for a payment card, and sending information associated with the payment card to a mobile device.

Claims19

Dependent claims

A system, comprising:

a first server configured to:
receive, from a user device associated with a user, a request for a payment card to be issued to the user;
receive, from the user device, a first request to verify an identity of the user using a digital identity service, wherein the digital identity service is selected by the user from a plurality of options for verifying the identity of the user and to provide personal information of the user to the first server;
in response to receiving the selection of the digital identity service, send, to a second server associated with the digital identity service, a second request to obtain one or more categories of the personal information about the user,
wherein after the user authenticates with the digital identity service associated with the second server, the second server sends to the user device to display one or more names of the one or more categories of personal information, and
wherein each category is selectable by the user using the user device,
wherein the user selects, via the user device, at least one of the one or more categories of personal information;
in response to the user selecting the at least one of the one or more categories of personal information, receive, from the second server, encrypted personal information associated with the at least one of the one or more categories;
in response receiving the encrypted personal information from the second server, decrypt the encrypted personal information to verify the identity of the user to approve the user for the payment card based on the personal information;
in response to verifying the identity of the user, generate, based on at least some of the received personal information, the payment card and a dynamic card verification value associated with the payment card, wherein the dynamic card verification value is displayed in a mobile application on the user device;
and
in response to generating the payment card, send, to the user device, information associated with the payment card to allow the user to begin using the generated payment card with no delay after approving the user for the payment card,
wherein the mobile application sends the dynamic card verification value of the payment card to a mobile wallet of the user over a local connection within the user device.

10 more elements

A method for approving a payment card, the method comprising:

receiving, by a first server from a user device associated with a user, a request for a payment card to be issued to the user;
receiving, by the first server from the user device, a first request to verify an identity of a user using a digital identity service,
wherein the user device is used by the user to select the digital identity service from a plurality of options for verifying the identity of the user and to provide personal information of the user to the first server;
in response to receiving the selection of the digital identity service, sending, to a second server associated with the digital identity service, a second request to obtain one or more categories of the personal information about the user,
wherein after the user authenticates with the digital identity service associated with the second server, the second server sends to the user device to display one or more names of the one or more categories of the personal information, and
wherein each category is selectable by the user using the user device,
wherein the user selects, via the user device, at least one of the one or more categories of personal information;
in response to the user selecting the at least one of the one or more categories of personal information, receiving, from the second server, encrypted personal information associated with the at least one of the one or more categories;
in response receiving the encrypted personal information from the second server, decrypting the encrypted personal information to verifying the identity of the user to approve the user for the payment card based on the personal information;
in response to verifying the identity of the user, generating, based on at least some of the received personal information, a payment card and a dynamic card verification value associated with the payment card, wherein the dynamic card verification value is displayed in a mobile application on the user device;
and
in response to generating the payment card, sending, to the user device, information associated with the payment card to allow the user to begin using the generated payment card with no delay after approving the user for the payment card, wherein the mobile application sends the dynamic card verification value of the payment card to a mobile wallet of the user over a local connection within the user device.

9 more elements

A non-transitory computer-readable medium comprising computer-readable instructions to approve a payment card, said computer-readable instructions comprising instructions that perform a method comprising:

receiving, by a first server from a user device associated with a user, a request for a payment card to be issued to the user;
receiving, by the first server from the user device, a first request to verify an identity of a user using a digital identity service,
wherein the user device is used by the user to select the digital identity service from a plurality of options for verifying the identity of the user and to provide personal information of the user to the first server;
in response to receiving the selection of the digital identity service, sending, to a second server associated with the digital identity service, a second request to obtain one or more categories of the personal information about the user,
wherein after the user authenticates with the digital identity service associated with the second server, the second server sends to the user device to display one or more names of the one or more categories of the personal information, and
wherein each category is selectable by the user using the user device,
wherein the user selects, via the user device, at least one of the one or more categories of personal information;
in response to the user selecting the at least one of the one or more categories of personal information, receiving, from the second server, encrypted personal information associated with the at least one of the one or more categories;
in response receiving the encrypted personal information from the second server, decrypting the encrypted personal information to verifying the identity of the user to approve the user for the payment card based on the personal information;
in response to verifying the identity of the user, generating, based on at least some of the received personal information, a payment card and a dynamic card verification value associated with the payment card, wherein the dynamic card verification value is displayed in a mobile application on the user device;
and
in response to generating the payment card, sending, to the user device, information associated with the payment card to allow the user to begin using the generated payment card with no delay after approving the user for the payment card, wherein the mobile application sends the dynamic card verification value of the payment card to a mobile wallet of the user over a local connection within the user device.

9 more elements

Dependencies are inferred from the claim text.

Facts

Application: 16/712,600Filed 12 Dec 2019 · us provisional application
Priority: 12 Dec 2018
Granted: 11 Jun 2024
Term ends: Not estimatedThe source records don’t support an estimate.

Classification10 codes

G06Q 40/03
Finance; Insurance; Tax strategies; Processing of corporate or income taxes: credit; Loans; Processing thereof
G06F 16/2379
Updating: updates performed during online database operations; commit processing
G06F 21/602
Protecting data: providing cryptographic facilities or services
G06Q 50/265
Government or public services: personal security, identity or safety

Family

Application62/778,652Us provisional application · filed 12 Dec 2018
US 12,008,641 B1This patent

From the US filing history. Foreign family members aren’t listed.

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