System and method for facilitating transaction account provisioning
In a method for broadcasting account provisioning information, user datum encryption information is transmitted to a plurality of account processing systems. A request to share account provisioning information is received from a user device associated with an account holder. A user datum of the account holder is encrypted using the encryption information and transmitted to the account processing systems. A response is received from at least one of the account processing systems, the response including an indication that the account holder has a transaction account processed by that account processing system. A request for confirmation that the account provisioning information should be shared is sent to the user device and a confirmation response is received from the user device that includes permission to share account provisioning information. Account provisioning information is then transmitted to one or more of the account processing systems.
1 . A non-transitory computer readable medium comprising instructions that, when executed on an account administrator data processing system, cause the data processing system to perform actions comprising:
determining whether an encrypted user datum is associated with account provisioning information to identify an account holder by comparing the encrypted user datum to one or more stored user datum associated with the account provisioning information;
performing at least one service eligibility check to determine a positive provisioning service eligibility or a negative provisioning service eligibility for a user account; and
after determining a positive service provisioning service eligibility for the user account:
constructing an application transition link configured to launch, on a user device, an account application associated with a user account of an account holder,
transmitting, to a user device, a transaction processing prompt including the application transition link,
receiving, from the user device, a transaction processing response comprising approval for account information provisioning,
retrieving, from a data storage unit, the account provisioning information,
transmitting, to a transaction processor, the account provisioning information; and
after determining a negative service provisioning service eligibility for the user account, transmitting, to the user device, an ineligibility message.
2 . The non-transitory computer readable medium of claim 1 , wherein the actions of constructing an application link, transmitting the transaction processing prompt, retrieving the account provisioning information, and transmitting the account provisioning information are carried out only after a positive service eligibility is determined for the user account.
3 . The non-transitory computer readable medium of claim 1 , the actions further comprising:
transmitting, to the user device, an authentication request; and
receiving, from the user device, an authentication credential.
4 . The non-transitory computer readable medium of claim 3 , wherein the authentication credential includes encrypted information received by the user device from a contactless card associated with the user account.
5 . The non-transitory computer readable medium of claim 3 , wherein the authentication credential includes multi-factor information associated with the user account.
6 . The non-transitory computer readable medium of claim 1 , wherein the account provisioning information includes contactless card account information for use in carrying out account holder transactions.
7 . The non-transitory computer readable medium of claim 1 , wherein:
the user datum is a mobile number associated with the user device, and
the at least one service eligibility check includes at least one selected from the group of a mobile number stability check and a SIM swap check.
8 . The non-transitory computer readable medium of claim 7 , wherein:
the at least one service eligibility check includes the mobile number stability check, and
the at least one service eligibility check comprises eligibility criteria specifying a minimum time interval since a change to the mobile number.
9 . The non-transitory computer readable medium of claim 7 , wherein:
the at least one service eligibility check includes the SIM swap check, and
the SIM swap check comprises requesting, from a telecommunication provider associated with the user device, a date of the last SIM card change.
10 . The non-transitory computer readable medium of claim 7 , wherein the at least one service eligibility check comprises eligibility criteria specifying a minimum time interval since the date of the last SIM card change.
11 . A system, comprising:
an account administrator processor, wherein the account administrator processor is configured to:
determine whether an encrypted user datum is associated with account provisioning information to identify an account holder, wherein the determination comprises comparing the encrypted user datum to one or more stored user datum associated with the account provisioning information;
perform at least one service eligibility check to determine a positive provisioning service eligibility or a negative provisioning service eligibility for a user account; and
after determining a positive service provisioning service eligibility for the user account:
construct an application transition link configured to launch, on a user device, an account application associated with a user account of an account holder,
transmit, to a user device, a transaction processing prompt including the application transition link,
receive, from the user device, a transaction processing response comprising approval for account information provisioning,
retrieve, from a data storage unit, the account provisioning information,
transmit, to a transaction processor, the account provisioning information; and
after determining a negative service provisioning service eligibility for the user account, transmit, to the user device, an ineligibility message.
12 . The system of claim 11 , wherein the user datum is at least one selected from the group of a phone number and an email address.
13 . The system of claim 11 , wherein the user datum is at least one selected from the group of a driver's license number, a social security number, and an employee number.
14 . The system of claim 11 , wherein the account administrator processor is further configured to request permission from the at least one of a plurality of account processing systems to store the provisioning information for use in future transactions.
15 . A method, comprising:
determining, by an account administrator processor, whether an encrypted user datum is associated with account provisioning information to identify an account holder, wherein the determination comprises comparing the encrypted user datum to one or more stored user datum associated with the account provisioning information;
performing, by the account administrator processor, at least one service eligibility check to determine a positive provisioning service eligibility or a negative provisioning service eligibility for a user account; and
after determining a positive service provisioning service eligibility for the user account:
constructing, by the account administrator processor, an application transition link configured to launch, on a user device, an account application associated with a user account of an account holder,
transmitting, by the account administrator processor to a user device, a transaction processing prompt including the application transition link,
receiving, by the account administrator processor from the user device, a transaction processing response comprising approval for account information provisioning,
retrieving, by the account administrator processor from a data storage unit, the account provisioning information,
transmitting, by the account administrator processor to a transaction processor, the account provisioning information; and
after determining a negative service provisioning service eligibility for the user account, transmitting, by the account administrator processor to the user device, an ineligibility message.
16 . The method according to claim 15 , further comprising:
transmitting, by the account administrator processor to the user device, a confirmation authentication request;
receiving, by the account administrator processor from the user device, at least one authentication credential; and
authenticating the transaction processing response using the at least one authentication credential and a predetermined authentication process.
17 . The method according to claim 16 , wherein the action of transmitting account provisioning information is carried out only after a positive authentication of the confirmation response.
18 . The non-transitory computer readable medium of claim 3 , wherein the authentication credential includes a scanned biometric characteristic.
19 . The non-transitory computer readable medium of claim 3 , wherein the authentication request is included with the application transition link.
20 . The non-transitory computer readable medium of claim 3 , wherein the authentication request is part of the application transition link.