Patent ID: 11941008
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 7:
8. A computer-implemented system for adding a payment option to a payment service provider, comprising:
a memory; and
one or more processors disposed in communication with the memory and configured to issue processing instructions stored in the memory to:
identify, by a computer system associated with a merchant, payment information stored within a profile of a user, wherein the merchant is a custodian of the profile;
query, by the computer system, a database of a payment service provider based on the profile to identify a user account associated with the user;
determine, by the computer system, that the user account in the database of the payment service provider does not contain the payment information;
retrieve, by the computer system, address information for a user mobile device associated with the user account;
transmit, by the computer system to the user mobile device, a request for user consent to add a payment option to the user account, wherein the request for user consent does not require the user to provide the payment information;
receive, by the computer system, the user consent to add a payment option to the user account; and
transmit, by the computer system, the payment information to the payment service provider based on receiving the user consent, wherein the payment service provider adds the payment option to the user account based on receiving the payment information.