US 12,277,556 B2
Secure account creation
Brian Grassadonia, San Francisco, CA (US); Michael Moring, San Francisco, CA (US); Robert Andersen, Brooklyn, NY (US); Daniele Perito, San Francisco, CA (US); and Ayokunle Omojola, San Francisco, CA (US)
Assigned to Block, Inc., Oakland, CA (US)
Filed by Block, Inc., Oakland, CA (US)
Filed on Apr. 26, 2023, as Appl. No. 18/307,692.
Application 18/307,692 is a continuation of application No. 17/194,159, filed on Mar. 5, 2021, granted, now 11,694,200.
Application 17/194,159 is a continuation of application No. 16/659,441, filed on Oct. 21, 2019, granted, now 10,956,906.
Application 16/659,441 is a continuation of application No. 15/640,321, filed on Jun. 30, 2017, granted, now 10,453,056, issued on Oct. 22, 2019.
Application 15/640,321 is a continuation of application No. 15/638,190, filed on Jun. 29, 2017, abandoned.
Prior Publication US 2023/0259927 A1, Aug. 17, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/38 (2012.01); G06Q 20/22 (2012.01); G06Q 20/26 (2012.01); G06Q 20/32 (2012.01); G06Q 20/34 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/385 (2013.01) [G06Q 20/223 (2013.01); G06Q 20/26 (2013.01); G06Q 20/3221 (2013.01); G06Q 20/3263 (2020.05); G06Q 20/351 (2013.01); G06Q 20/355 (2013.01); G06Q 20/3821 (2013.01); G06Q 20/4014 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method of assigning payment card numbers for individual user accounts associated with a payment service system, the method comprising:
receiving, from a third-party system server, a plurality of payment card numbers, wherein the payment card numbers are activated by the third-party system server but unassigned with respect to accounts registered with the payment service system;
receiving, by the payment service system, an authorization request for a first transaction using a payment card number of the plurality of payment card numbers;
in response to determining, by the payment service system, that the payment card number is not assigned to an account registered with the payment service system, denying the authorization request for the first transaction, wherein denying the authorization request comprises not notifying the third-party system server of the first transaction;
receiving, by the payment service system and via an application executing on a computing device, a request to register a user account associated with a user of the payment service system;
generating, by the payment service system, an account record for the user account;
modifying, by the payment service system and in a database, the account record to assign the payment card number to the user account;
receiving, by the payment service system, a transaction authorization request for a second transaction using the payment card number; and
in response to determining, by the payment service system, that the payment card number is assigned to the user account, authorizing the second payment transaction using the payment card number, wherein the authorization comprises notifying the third-party system server of the second transaction and causes a modification to an account balance of the user account.