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

Claim 0:
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.