Payment application initiated generation of payment instruments

A system comprising:

• one or more processors;
• and
• a computer readable medium storing instructions that are executable by the one or more processors to perform operations comprising:
• generating an account for a user at a payment processing system (PPS) that enables the PPS to process payment transactions for the user using the account, the account being generated based on an account request received from a payment application associated with the PPS and executing on a device associated with the user;
• receiving, responsive to a user interaction with the payment application, a payment card request to associate a physical payment card with the account;
• presenting, via the payment application, a drawing interface for capturing drawing input from the user that defines a user-provided design for payment cards;
• responsive to receiving the payment card request:
• transmitting instructions that initiate:
• printing of the physical payment card including a first card identifier and the user-provided design;
• and
• physical delivery of the physical payment card to the user;
• and
• causing presentation, via the payment application and on a user interface of the device, of a virtual payment card including a second card identifier and the user-provided design, the virtual payment card being:
• associated with the account and the physical payment card;
• and
• active and useable in a first payment transaction of the payment transactions, the first payment transaction occurring prior to delivery and activation of the physical payment card;
• receiving image data that depicts the physical payment card and is obtained via an image capturing device associated with the user;
• verifying, using the user-provided design depicted on the physical payment card in the image data, an identity of the user and receipt of the physical payment card by the user based on comparing the user-provided design depicted on the physical payment card in the image data to the user-provided design stored by the PPS and displayed on the virtual payment card useable in the first payment transaction;
• and
• in response to verifying the identity of the user and the receipt of the physical payment card by the user:
• activating the physical payment card;
• and
• maintaining an activation of the virtual payment card, such that the physical payment card and the virtual payment card are useable for additional ones of the payment transactions.

A method comprising:

• generating, by a payment processing system (PPS), an account for a user that enables the PPS to process payment transactions for the user using the account;
• receiving, by the PPS, a payment card request to associate a physical payment card with the account;
• presenting, on a device associated with the user, a drawing interface for capturing drawing input from the user that defines a user-provided design for payment cards;
• responsive to receiving the payment card request, causing, by the PPS:
• printing of the physical payment card including a first card identifier and the user-provided design;
• physical delivery of the physical payment card to the user;
• and
• presentation, on a user interface of the device associated with the user, of a virtual payment card including a second card identifier and the user-provided design, the virtual payment card being associated with the account and the physical payment card and active and useable in a first payment transaction of the payment transactions, the first payment transaction occurring prior to delivery and activation of the physical payment card;
• receiving, by the PPS and from the device associated with the user, image data that depicts the physical payment card;
• verifying, using the user-provided design depicted on the physical payment card in the image data, an identity of the user and receipt of the physical payment card by the user based on comparing the user-provided design depicted on the physical payment card in the image data to the user-provided design stored by the PPS and displayed on the virtual payment card useable in the first payment transaction;
• and
• in response to verifying the identity of the user and the receipt of the physical payment card by the user, activating, by the PPS, the physical payment card.