Patent ID: 8504475

Claim:
A method of enrolling a user in a payment service, comprising: receiving, by a server computer from a consumer device of the user, a request to enroll the user in the payment service, wherein the request includes a user identifier associated with the user; verifying, by the server computer, that the user identifier is unique to the user across a plurality of account issuers, by: accessing a consumer database having a plurality of user identifiers provided by the account issuers; and reviewing the user identifiers in the consumer database to ensure that the user identifier associated with the user is not associated with another user; if the user identifier is verified as being unique, redirecting, by the server computer, the consumer device of the user to an interface of an account issuer computer system of at least one of the account issuers that; holds a payment account that is associated with the user, wherein the account issuer computer system uses the user identifier associated with the user to identify a payment account associated with the user and enables the user to use the consumer device to assign an alias account identifier to the payment accounts; receiving, by the server computer, from the account issuer computer system of the at least one of the account issuers data that identifies a payment account and an alias account identifier that the user assigned to the payment account; and storing, by the server computer, in the consumer database the alias account identifier that the user assigned to the payment account.