Patent ID: 11886571
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 12:
13. An authorizing entity computer comprising:
a processor; and
a memory storing non-transitory executable instructions that, when executed by the processor, cause the processor to:
transmit, 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;
generate an actual account credential linked to a physical account identification device associated with the new account;
provide the physical account identification device to the user associated with the new account;
receive, 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;
store the transaction advice message;
receive, from the user, a request to activate the actual account credential linked to the physical account identification device associated with the new account;
modify a status of the actual account credential as active based on the request to activate;
transmit, to the server computer, a message informing the server computer of the activation of the actual account credential to deactivate the digital account credential.