Adding a credit account to a mobile wallet to make a transaction when the physical card associated with the credit account is unavailable
A system and method for adding a virtual credit account to a mobile device is disclosed. The system receives a contact information for a customer at a store's electronic device, the contact information comprising: at least one of a device identifier (ID) and a user ID, the contact information being part of a request for a pre-existing credit account to be added to the customer's mobile device. An access to an account lookup/verification for the pre-existing credit account is provided to the customer's mobile device, the access generate an out-of-band verification. the request for the pre-existing credit account to be added to the customer's mobile device in conjunction with the out-of-band verification is provided by the customer's mobile device. The pre-existing credit account is then added to the customer's mobile device in a digital format allowing the customer to make a purchase.
1. A computer implemented method, the method comprising:
receiving a contact information for a customer at a store's electronic device;
receiving, at a customer's mobile device and from the store's electronic device, an access to an account lookup/verification for a pre-existing credit account;
selecting the access at the customer's mobile device to begin the account lookup/verification for the pre-existing credit account, the selecting of the access causing an out-of-band verification to be generated;
attaching the out-of-band verification to the request for the pre-existing credit account to be added to the customer's mobile device;
submitting the request for the pre-existing credit account to be added to the customer's mobile device; and
providing the pre-existing credit account to the customer's mobile device in a digital format, the digital format allowing the customer to use the customer's mobile device to make a purchase.
2. The computer implemented method of claim 1 , wherein said contact information comprises a device identifier (ID).
3. The computer implemented method of claim 1 , wherein said contact information comprises a user identifier (ID).
4. The computer implemented method of claim 1 , wherein said contact information comprises:
a device identifier (ID); and
a user ID.
5. The computer implemented method of claim 1 , wherein said contact information is part of a request for a pre-existing credit account to be added to the customer's mobile device.
6. The computer implemented method of claim 1 , further comprising:
providing the contact information to a store associate; and
the store associate providing the contact information to the store's electronic device.
7. The computer implemented method of claim 1 , further comprising:
wirelessly providing the contact information from the customer's mobile device to the store's electronic device.
8. The computer implemented method of claim 1 , further comprising:
sending the access to the contact information for the customer; and
accessing the contact information for the customer at the customer's mobile device.
9. The computer implemented method of claim 8 , wherein the access is sent to the customer's mobile device from the group consisting of: a text message and an email message.
10. The computer implemented method of claim 8 , wherein the access is selected from the group consisting of: a web URL, a link to an app for download to the customer's mobile device, and an instruction to an app already on the customer's mobile device.
11. The computer implemented method of claim 1 , wherein the selecting of the access further comprises:
automatically causing the out-of-band verification to be generated.
12. The computer implemented method of claim 1 , further comprising:
selecting the access at the customer's mobile device to begin a generation of a related digital wallet credit account for the pre-existing credit account.
13. The computer implemented method of claim 1 , wherein selecting the access further comprises:
automatically initiating the account lookup/verification for the pre-existing credit account.
14. The computer implemented method of claim 1 , further comprising:
incorporating an associate attribution with the access; and
incorporating a store attribution with the access.
15. The computer implemented method of claim 1 , further comprising:
providing the pre-existing credit account to a location in the customer's mobile device, the location from the group consisting of: a digital wallet of the customer's mobile device, and an application on the customer's mobile device.