US 11,886,571 B2
Digital instant issuance with instant processing
Shoon Ping Wong, Centennial, CO (US); and Justin Monk, Highland Ranch, CO (US)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on Aug. 24, 2021, as Appl. No. 17/411,026.
Application 17/411,026 is a continuation of application No. 16/248,672, filed on Jan. 15, 2019, granted, now 11,126,707.
Prior Publication US 2021/0382982 A1, Dec. 9, 2021
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/36 (2012.01); G06F 21/45 (2013.01); H04L 9/40 (2022.01); G06Q 20/34 (2012.01)
CPC G06F 21/45 (2013.01) [G06Q 20/40 (2013.01); H04L 63/08 (2013.01); G06F 2221/2115 (2013.01); G06F 2221/2137 (2013.01)] 19 Claims
OG exemplary drawing
 
1. A method comprising:
transmitting, by an authorizing entity computer to a server computer, information about a new account authorized for generation, wherein the server computer generates a digital account credential identifying the new account, and provides the digital account credential to a user associated with the new account;
generating, by the authorizing entity computer, an actual account credential linked to a physical account identification device associated with the new account;
providing the physical account identification device to the user associated with the new account;
receiving, by the authorizing entity computer from the server computer, a transaction advice message including a determination that a transaction using the digital account credential is authorized or denied by the server computer prior to an activation of the actual account credential linked to the physical account identification device associated with the new account;
storing, by the authorizing entity computer, the transaction advice message;
receiving, by the authorizing entity computer from the user, a request to activate the actual account credential;
modifying, by the authorizing entity computer, a status of the actual account credential as active based on the request to activate;
transmitting, by the authorizing entity computer to the server computer, a message informing the server computer of the activation of the actual account credential to deactivate the digital account credential.