Membership Enrollment via Payment Network Intermediary
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Solution Overview
Problem
The existing methods for creating user accounts require manual input of personal information, which is time-consuming and prone to errors, and do not efficiently convert in-store shoppers into online shoppers for merchants.
Innovation Solution
A computer-implemented method and system that retrieves a user's pre-existing account information from a payment processing network, prompts the user to enroll in a membership account, and automatically enrolls them without requiring manual re-entry of personal information, using a payment processing request and computer-readable instructions to facilitate this process.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If manual entry of personal information is used for account creation, then the service provider can collect detailed user data, but the process becomes time-consuming and error-prone
Solution Approach 1:
The system performs preliminary action by pre-validating and storing user information in a payment processing network before the account creation event. When a user makes a payment, their information is already verified and stored, allowing the system to automatically retrieve and use this pre-validated data without requiring manual re-entry, thus eliminating time loss while maintaining data accuracy
Solution Approach 2:
The payment processing network acts as an intermediary that bridges the gap between payment processing and account creation. It stores user information during payment processing and provides this pre-validated data to the merchant's system, enabling automatic account creation without manual data entry by the user, thereby reducing both time and errors
2Ease of operation
If alternative methods such as phone signup are used, then users can create accounts without manual data entry, but the process remains time-consuming and may lead to erroneous data recording
Solution Approach 1:
The system implements self-service by automatically retrieving user information from the payment processing network and using it to create accounts without requiring user interaction. The system serves itself by validating data through the payment network's pre-verification process, eliminating the need for manual data entry or phone-based verification, thus reducing time while maintaining convenience and accuracy
3Quantity of substance
If detailed personal information is collected during account creation, then the service provider has complete user data, but the manual entry process increases the risk of errors
Solution Approach 1:
The payment processing network serves as a trusted intermediary that already holds verified user information from the payment transaction. Instead of manually collecting data, the system retrieves complete personal information (name, address, phone, email) from this intermediary's pre-validated database, ensuring data accuracy while obtaining the full quantity of required user data automatically
Solution Approach 2:
The system performs preliminary action by having the payment processing network validate and store user information during the payment process before account creation is needed. This pre-validation ensures data accuracy is maintained while the system automatically retrieves the complete data set when creating the membership account, eliminating manual entry errors
Data Source
AI summary
Systems and methods are provided for enrolling a user in a membership account. A payment processing request is received from a point of sale device associated with a merchant. The payment processing request includes an account number associated with a user. Based on the account number, a user account associated with the user is retrieved, where the user account includes address information for communicating with a computing device that is associated with the user. Computer-readable instructions are transmitted to the computing device based on the address information, the computer-readable instructions causing the computing device to prompt the user to enroll in a membership account associated with the merchant. A response is received from the computing device indicating consent from the user to enroll in the membership account. Based on the response, an enrollment request is transmitted to the merchant, where the enrollment request includes user information from the user account.