Electronic method for instantly creating an account using a physical card

Abstract

Systems and processes are provided for instantly creating a user account based on a physical user card. The system and processes may include a computerized system for receiving personally identifiable information from a physical card of a user provided at a terminal and creating a user account based on the personally identifiable information. An authentication credential such as a personal identification number (PIN) associated with the user account may be generated and electronically delivered to the user via an electronic messaging system for verification.

1 . A computer system, comprising:
 a processor; and   a non-transitory computer-readable storage medium having instructions stored thereon that are executable to cause the computer system to perform operations comprising:   accessing embedded card data that was stored in a physical user card, wherein the accessing is performed via a physical card reader coupled to the computer system;   extracting unique identifying data from the embedded card data, wherein the unique identifying data corresponds to a particular user;   determining, based on the unique identifying data extracted from the physical user card, that the particular user does not already have a pre-existing account of a particular account type;   determining, from the unique identifying data, unique electronic contact information corresponding to the particular user;   causing transmission, to an electronic device of the particular user via the unique electronic contact information, of a confirmation request to create a new account of the particular account type for the particular user;   receiving information indicating a response to the confirmation request to create the new account of the particular account type for the particular user has been made from the electronic device of the particular user;   authenticating the particular user based on the response to the confirmation request and the personally identifying information corresponding to the unique identifying data extracted from the physical user card;   responsive to authenticating the particular user, creating the new account of the particular account type, including storing the personally identifiable information in an account database under a unique database identifier corresponding to the particular user, wherein creating the new account comprises:
 receiving, via the electronic device of the particular user, an electronic authentication credential; 
 verifying the electronic authentication credential against a stored version of the electronic authentication credential; and 
 creating the new account responsive to the verifying; and 
   facilitating processing of a transaction for the particular user using the new account.   
     
     
         2 . The computer system of  claim 1 , wherein extracting the unique identifying data from the embedded card data comprises performing a swipe or scan of the physical user card. 
     
     
         3 . The computer system of  claim 1 , wherein extracting the unique identifying data from the embedded card data comprises extracting a primary account number (PAN) from the physical user card. 
     
     
         4 . The computer system of  claim 1 , wherein extracting the unique identifying data from the embedded card data comprises extracting, from the physical user card, at least one of an email address or a telephone number corresponding to the electronic device of the particular user. 
     
     
         5 . The computer system of  claim 1 , wherein the electronic authentication credential is received via the response to the confirmation request. 
     
     
         6 . The computer system of  claim 1 , wherein the electronic authentication credential comprises a personal identification number (PIN). 
     
     
         7 . A method, comprising:
 accessing, by a computer system, embedded card data that was stored in a physical user card, wherein the accessing is performed via a physical card reader coupled to the computer system;   extracting unique identifying data from the embedded card data, wherein the unique identifying data corresponds to a particular user;   the computer system determining, based on the unique identifying data extracted from the physical user card, that the particular user does not already have a pre-existing account of a particular account type;   determining, from the unique identifying data, unique electronic contact information corresponding to the particular user;   causing transmission, to an electronic device of the particular user via the unique electronic contact information, of a confirmation request to create a new account of the particular account type for the particular user;   receiving information indicating a response to the confirmation request to create the new account of the particular account type for the particular user has been made from the electronic device of the particular user;   authenticating the particular user based on the response to the confirmation request and the personally identifying information corresponding to the unique identifying data extracted from the physical user card;   responsive to authenticating the particular user, causing creation of the new account of the particular account type, including causing the personally identifiable information to be stored in an account database under a unique database identifier corresponding to the particular user, wherein creating the new account comprises:
 receiving, via the electronic device of the particular user, an electronic authentication credential; 
 verifying the electronic authentication credential against a stored version of the electronic authentication credential; and 
 creating the new account responsive to the verifying; and 
   facilitating processing of a transaction for the particular user using the new account.   
     
     
         8 . The method of  claim 7 , wherein extracting the unique identifying data from the embedded card data comprises extracting a primary account number (PAN) from the physical user card. 
     
     
         9 . The method of  claim 7 , wherein extracting the unique identifying data from the embedded card data comprises extracting, from the physical user card, at least one of an email address or a telephone number corresponding to the electronic device of the particular user. 
     
     
         10 . The method of  claim 7 , wherein the pre-existing account of the particular account type comprises an account with a third party service provider that is different from a merchant corresponding to the computer system. 
     
     
         11 . The method of  claim 7 , further comprising:
 generating, by the computer system, a password corresponding to the new account.   
     
     
         12 . The method of  claim 7 , wherein the computer system comprises a point-of-sale (POS) merchant terminal device. 
     
     
         13 . The method of  claim 7 , wherein the electronic authentication credential is received via the response to the confirmation request. 
     
     
         14 . The method of  claim 7 , wherein the electronic authentication credential comprises a personal identification number (PIN). 
     
     
         15 . A non-transitory computer-readable medium having stored thereon instructions that are executable by a system to cause the system to perform operations comprising: 
     
     
         16 . The non-transitory computer-readable medium of  claim 15 , wherein extracting the unique identifying data from the embedded card data comprises performing a swipe or scan of the physical user card. 
     
     
         17 . The non-transitory computer-readable medium of  claim 15 , wherein extracting the unique identifying data from the embedded card data comprises extracting a primary account number (PAN) from the physical user card. 
     
     
         18 . The non-transitory computer-readable medium of  claim 15 , wherein extracting the unique identifying data from the embedded card data comprises extracting, from the physical user card, at least one of an email address or a telephone number corresponding to the electronic device of the particular user. 
     
     
         19 . The non-transitory computer-readable medium of  claim 15 , wherein the electronic authentication credential is received via the response to the confirmation request. 
     
     
         20 . The non-transitory computer-readable medium of  claim 15 , wherein the electronic authentication credential comprises a personal identification number (PIN).