Patent ID: 9741036
Date: 2017-08-22
CPC Classifications: G06Q

Claim:
1. A computer-implemented method of generating payment card numbers for individual user accounts held at banking entity, the method comprising: generating, by a computer, during registration process, in a user database a user record based upon user data received from a client device via registration graphical user interface (GUI) presented on the client device, the user record comprising one or more data fields including a user identifier (ID) that identifies the user record, the user data associated with the user, an amount of funds available to the user, and one or more payment card numbers; transmitting, by the computer, to a banking server of a third-party financial institution a request to open a banking account for the user, the request containing the user data associated with the user; receiving, by the computer, from the client device a request to generate a payment card number, wherein the request contains device data associated with the client device that identifies the device, and wherein the request is accompanied by a graphical depiction of a payment card having the payment card number, wherein the graphical depiction is generated according to one or more inputs to a graphical user interface of the client device; generating, by the computer, a set of random digits based upon one or more input parameters and using a random number generator algorithm; generating, by the computer, the payment card number to include a bank identification number (BIN) prefix that comprises a predetermined set of digits; determining, by the computer, that the payment card number does not match at least one second payment card number, wherein the computer continues to generate a next set of random digits for the payment card number until the payment card number does not match the at least one second payment card number; generating, by the computer, using a tokenization algorithm and based upon a random number value, a token representing the payment card number; receiving, by the computer, from the banking server, a bank-customer ID uniquely identifying the user in the banking server and account data for the banking account, the account data including an account number and a routing number; storing, by the computer, into the one or more data fields of the user record in the user database: the bank-customer ID, the account data, the token representing the payment card number, and the payment card number; transmitting, by the computer, the user data, the token representing the payment card number, and the graphical depiction of the payment card having the payment card number to a card-printing entity server for printing a physical payment card having the payment card number, the user data including a shipping address for the physical payment card; transmitting, by the computer, to an issuer processor server coupled to an issuer database, the token representing the payment card number, and the user data associated with the user; transmitting, by the computer, the token representing the payment card number to the client device, wherein the client device is configured to display a graphical representation of the payment card number; receiving, by the computer, from the client device an activation request instructing the computer to update an activation status for the payment account number in the user record; updating, by the computer, the activation status for the payment account number in the user record to indicate that the payment account number is activated; and authorizing, by the computer, a transaction request containing transaction data received from a merchant computing device, when the transaction request identifies the payment card number or the token representing the payment card number, when the computer determines that the activation status of the payment account number indicates that the payment account number is activated.