US 11,941,609 B2
Adding a credit account to a mobile wallet to make a transaction when the physical card associated with the credit account is unavailable
Chris Anderson, Columbus, OH (US); Jess Lawrence, Lewis Center, OH (US); and Manoj Ram Tammina, Columbus, OH (US)
Assigned to BREAD FINANCIAL PAYMENTS, INC., Columbus, OH (US)
Filed by BREAD FINANCIAL PAYMENTS, INC., Columbus, OH (US)
Filed on Sep. 30, 2021, as Appl. No. 17/491,524.
Application 17/491,524 is a continuation of application No. 16/709,760, filed on Dec. 10, 2019, granted, now 11,164,178.
Claims priority of provisional application 62/829,346, filed on Apr. 4, 2019.
Prior Publication US 2022/0027891 A1, Jan. 27, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/36 (2012.01); G06Q 20/10 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/36 (2013.01) [G06Q 20/10 (2013.01); G06Q 20/3221 (2013.01); G06Q 20/40 (2013.01)] 15 Claims
OG exemplary drawing
 
1. A computer implemented method, the method comprising:
receiving a contact information for a customer at a store's electronic device;
receiving, at a customer's mobile device and from the store's electronic device, an access to an account lookup/verification for a pre-existing credit account;
selecting the access at the customer's mobile device to begin the account lookup/verification for the pre-existing credit account, the selecting of the access causing an out-of-band verification to be generated;
attaching the out-of-band verification to the request for the pre-existing credit account to be added to the customer's mobile device;
submitting the request for the pre-existing credit account to be added to the customer's mobile device; and
providing the pre-existing credit account to the customer's mobile device in a digital format, the digital format allowing the customer to use the customer's mobile device to make a purchase.