# US 2019/0318344 A1 · Systems and Methods for Use in Facilitating Enrollment Through Network Messaging > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2019/0318344 A1 - Document ID: US20190318344A1 - Status: Published application - Kind: A1 - Application number: 15/951,723 - Filed: 2018-04-12 - Published: 2019-10-17 - Earliest claimed: 2018-04-12 - Assignees: Mastercard International Incorporated - Applicants: Mastercard International Incorporated - Inventors: Kent Olof Niklas Berntsson; Carrie Elizabeth Dweck; Kimberly Peyton - Web page: https://patentgrep.com/patent/US20190318344A1 ## CPC - G06Q 20/367: {involving electronic purses or money safes} - G06Q 20/3674: {involving authentication} - G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]} - G06Q 20/3255: {using mobile network messaging services for payment, e.g. SMS} - G06Q 20/3672: {initialising or reloading thereof} - G06Q 20/401: {Transaction verification} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract Systems and methods are provided for facilitating enrollment of consumers in programs associated with entities. One exemplary method includes soliciting, by at least one computing device, from a consumer, a payment account, in response to a request to enroll the consumer in a merchant account via a virtual wallet account associated with the consumer. The method further includes receiving an input indicative of the payment account and providing identifying information of the consumer to the merchant, at a virtual location of the merchant. The method also includes provisioning a payment account credential linked to the payment account to the merchant, for the merchant account, whereby the merchant is permitted to initiate a payment account transaction funded by the payment account in response to a purchase instruction from the consumer. ## Claims ### Claim 1 A system for use in facilitating enrollment of a consumer in a merchant account of a merchant, via a virtual location associated with the merchant, the system comprising at least one virtual wallet platform computing device configured to: receive a request, from a virtual location associated with a merchant, to enroll a consumer in a merchant account of the merchant via a virtual wallet account associated with the consumer; solicit, from the consumer, identification of a payment account to be associated with the merchant account and at least one consumer preference for the merchant account; receive the identification of the payment account and the at least one consumer preference from the consumer; provide identifying information for the consumer to the merchant, at the virtual location, based on the at least one consumer preference, the identifying information including at least one of: a name of the consumer, an address of the consumer, and contact information for the consumer; and provision a payment account credential to the merchant account at the merchant, the payment account credential linked to the payment account identified by the consumer, whereby the merchant is permitted to initiate a payment account transaction funded by the payment account in response to a purchase instruction from the consumer via the merchant account. ### Claim 2 (depends on 1) The system of claim 1, wherein the at least one virtual wallet platform computing device is further configured to: solicit, from the consumer, agreement to terms and conditions, via an application programming interface (API); and receive acceptance to the terms and conditions prior to providing the identifying information for the consumer to the merchant. ### Claim 3 (depends on 1) The system of claim 1, wherein the identifying information for the consumer includes the name of the consumer and a shipping address identified by the consumer; and wherein the at least one virtual wallet platform computing device is configured to provide the at least one consumer preference to the consumer, to be selected by the consumer in order to solicit the at least one consumer preference. ### Claim 4 (depends on 1) The system of claim 1, wherein the at least one virtual wallet platform computing device is further configured to authenticate the consumer, via a login credential associated with the virtual wallet account associated with the consumer, prior to soliciting identification of the payment account from the consumer. ### Claim 5 (depends on 1) The system of claim 1, wherein the payment account credential includes a payment token; and wherein the at least one virtual wallet platform computing device is further configured to generate the payment token prior to provisioning the payment token to the merchant account. ### Claim 6 (depends on 5) The system of claim 5, wherein the identifying information includes a billing address of the payment account. ### Claim 7 (depends on 5) The system of claim 5, wherein the at least one virtual wallet platform computing device is configured to receive, from the merchant, an indication of an enrolled merchant account, via an application programming interface (API), in response to providing the identifying information for the consumer to the merchant, prior to provisioning the payment account credential to the merchant account. ### Claim 8 (depends on 1) The system of claim 1, wherein the at least one virtual wallet platform computing device is further configured to provision the payment account credential to the virtual wallet account associated with the consumer, whereby the consumer is permitted to manage the payment account credential via the virtual wallet account. ### Claim 9 A computer-implemented method for use in facilitating enrollment of a consumer in a merchant account specific to a merchant, via a virtual location associated with the merchant, the method comprising: in response to a request to enroll a consumer to a merchant account using a virtual wallet account associated with the consumer, soliciting, by at least one computing device, from the consumer, a payment account to be associated with the merchant account; receiving, by the at least one computing device, an input indicative of the payment account; providing, by the at least one computing device, identifying information of the consumer to the merchant, at a virtual location associated with the merchant, in connection with enrollment of the consumer in the merchant account, the identifying information including at least one of: a name of the consumer, an address for the consumer, and contact information for the consumer; and provisioning, by the at least one computing device, to the merchant at the virtual location associated with the merchant, a payment account credential linked to the payment account indicated by the consumer, for association with the merchant account, whereby the merchant is permitted to initiate a payment account transaction funded by the payment account, as identified in the merchant account, in response to a purchase instruction from the consumer. ### Claim 10 (depends on 9) The computer-implemented method of claim 9, further comprising: soliciting, from the consumer, at least one consumer preference for the merchant account; and receiving, at the at least one computing device, the at least one consumer preference from the consumer; wherein providing the identifying information of the consumer to the merchant includes providing the identifying information of the consumer to the merchant consistent with the at least one consumer preference. ### Claim 11 (depends on 9) The computer-implemented method of claim 9, further comprising soliciting, by the at least one computing device, from the consumer, login credentials for the virtual wallet account prior to providing the identifying information of the consumer to the merchant and prior to provisioning the payment account credential to the merchant. ### Claim 12 (depends on 11) The computer-implemented method of claim 11, further comprising: receiving, at the at least one computing device, the solicited login credentials from the consumer; and retrieving, by the at least one computing device, the identifying information of the consumer from memory associated with the at least one computing device when the received login credentials are validated. ### Claim 13 (depends on 9) The computer-implemented method of claim 9, further comprising generating, by the at least one computing device, the payment account credential and linking the payment account credential to the payment account indicated by the consumer. ### Claim 14 (depends on 13) The computer-implemented method of claim 13, further comprising receiving, at the at least one computing device, an enrollment indicator from the merchant, via the virtual location of the merchant, indicating that the consumer is enrolled to the merchant account; wherein generating the payment account credential and provisioning the payment account credential to the merchant includes generating the payment account credential and provisioning the payment account credential to the merchant in response to receiving the enrollment indicator. ### Claim 15 (depends on 14) The computer-implemented method of claim 14, further comprising: soliciting, by the at least one computing device, from the consumer, agreement to terms and conditions associated with the merchant account, via an application programming interface (API); and receiving, at the at least one computing device, acceptance to the terms and conditions prior to providing the identifying information of the consumer to the merchant. ### Claim 16 (depends on 14) The computer-implemented method of claim 14, further comprising provisioning the payment account credential to the virtual wallet account associated with the consumer, whereby the consumer is permitted to manage the payment account credential via the virtual wallet account. ### Claim 17 A non-transitory computer-readable storage media including executable instructions facilitating enrollment of a consumer in a merchant account specific to a merchant, via a virtual location associated with the merchant, which, when executed by at least one processor, cause the at least one processor to: receive a request, from a virtual location associated with a merchant, to enroll a consumer in a merchant account of the merchant via a virtual wallet account associated with the consumer; in response to the request, authenticate the consumer, via a login credential for with the virtual wallet account associated with the consumer; and when the consumer is validated: solicit from the consumer a payment account to be associated with the merchant account via an interface including the at least one payment account as an option for the consumer; and provide identifying information of the consumer to the merchant, at the virtual location associated with the merchant, for use by the merchant to enroll the consumer in the merchant account, the identifying information including at least one of: a name of the consumer, an address for the consumer, and contact information for the consumer; receive, from the merchant, an enrollment indicator from the merchant, via the virtual location of the merchant, indicating that the consumer is enrolled to the merchant account; and upon receipt of the enrollment indicator: generate a payment account credential linked to the payment account indicated by the consumer; and provision the payment account credential to the merchant at the virtual location associated with the merchant for association with the merchant account, whereby the merchant is permitted to initiate a payment account transaction funded by the payment account, as identified in the merchant account, in response to a purchase instruction from the consumer. ### Claim 18 (depends on 17) The non-transitory computer-readable storage media of claim 17, wherein the executable instructions, when executed by the at least one processor, further cause the at least one processor to: solicit, from the consumer, agreement to terms and conditions associated with the merchant account, via an application programming interface (API); and receive acceptance to the terms and conditions prior to providing the identifying information of the consumer to the merchant. ### Claim 19 (depends on 17) The non-transitory computer-readable storage media of claim 17, wherein the executable instructions, when executed by the at least one processor, further cause the at least one processor to provision the payment account credential to the virtual wallet account associated with the consumer, whereby the consumer is permitted to manage the payment account credential via the virtual wallet account.