Systems and methods for enrolling a user in a membership account

A computer-implemented method for enrolling a user, the computer-implemented method comprising:

• receiving, by a payment processing network, a payment processing request for an in-store user purchase from a point of sale device at a physical store of a merchant, wherein the payment processing request includes:
• an account number associated with the user, and
• a merchant identifier associated with the merchant;
• based on the account number, retrieving, by the payment processing network, a user account associated with the user, and wherein the user account includes address information for communicating with a computing device that is associated with the user;
• transmitting, by the payment processing network, computer-readable instructions to the computing device based on the address information, wherein the computer-readable instructions cause the computing device to prompt the user to enroll in an online store of the merchant;
• receiving, by the payment processing network, a response from the computing device indicating consent from the user to enroll in the online store of the merchant;
• based on the response, transmitting, by the payment processing network, an enrollment request to a computer system associated with the merchant so as to enroll the user in the online store of the merchant during the in-store purchase from the point of sale device at the physical store of the merchant;
• and
• processing a payment associated with the payment processing request.

A computer-implemented system for enrolling a user, the computer-implemented system comprising:

• a processing system;
• and
• a memory in communication with the processing system, wherein the processing system is configured to execute steps comprising:
• receiving, by a payment processing network, a payment processing request for an in-store user purchase from a point of sale device associated at a physical store of a merchant, wherein the payment processing request includes:
• an account number associated with the user, and
• a merchant identifier associated with the merchant;
• based on the merchant identifier, determining, by the payment processing network, that the merchant is enrolled in a service for automatically enrolling in-store customers;
• based on the account number, retrieving, by the payment processing network, a user account associated with the user, wherein the user account is for a digital payment service associated with the payment processing network, and wherein the user account includes address information for communicating with a computing device that is associated with the user;
• based on the user account, determining, by the payment processing network, that the user is eligible to receive prompts to enroll in online stores;
• transmitting, by the payment processing network, computer-readable instructions to the computing device based on the address information, wherein the computer-readable instructions cause the computing device to prompt the user to enroll in an online store of the merchant;
• receiving, by the payment processing network, a response from the computing device indicating consent from the user to enroll in the online store of the merchant;
• based on the response, transmitting, by the payment processing network, an enrollment request to a computer system associated with the merchant so as to enroll the user in the online store of the merchant during the in-store purchase from the point of sale device at the physical store of the merchant;
• and
• processing a payment associated with the payment processing request.

A non-transitory computer-readable storage medium for enrolling a user, the computer-readable storage medium comprising computer-executable instructions which, when executed, cause a processing system to execute steps comprising:

• receiving, by a payment processing network, a payment processing request from a point of sale device at a physical store of a merchant, wherein the payment processing request includes:
• an account number associated with a user, and
• a merchant identifier associated with the merchant;
• based on the merchant identifier, determining, by the payment processing network, that the merchant is enrolled in a service for automatically enrolling in-store customers;
• based on the account number, retrieving, by the payment processing network, a user account associated with the user, wherein the user account is for a digital payment service associated with the payment processing network, and wherein the user account includes address information for communicating with a computing device that is associated with the user;
• based on the user account, determining, by the payment processing network, that the user is eligible to receive prompts to enroll in online stores;
• transmitting, by the payment processing network, computer-readable instructions to the computing device based on the address information, wherein the computer-readable instructions cause the computing device to prompt the user to enroll in an online store of the merchant;
• receiving, by the payment processing network, a response from the computing device indicating consent from the user to enroll in the online store of the merchant;
• based on the response, transmitting, by the payment processing network, an enrollment request to a computer system associated with the merchant so as to enroll the user in the online store of the merchant during the in-store purchase from the point of sale device at the physical store of the merchant;
• and
• processing a payment associated with the payment processing request.