Systems and methods for ghost card creation via a browser extension

Patent metadata

Field	Value
Publication number	US-10296897-B1
Application number	US-201815967372-A
Country	US
Kind code	B1
Filing date	Apr 30, 2018
Priority date	Mar 1, 2018
Publication date	May 21, 2019
Grant date	May 21, 2019

Abstract

Embodiments of the systems and methods described herein can detect that a user is accessing a payment webpage of a website associated with a merchant. The system can cause a window requesting authentication credentials associated with an account of the user to appear on a display of a computing device associated with the user. After the system has received and verified the authentication credentials, the system can create a merchant-specific virtual card linked to a pre-existing payment instrument associated with the account. The system can enter information associated with the merchant-specific virtual card in a payment section of the payment webpage. After receiving an authorization request for a transaction using the merchant-specific virtual card, the system can authorize the transaction based on a balance of the pre-existing payment instrument.

First claim

We claim:

1. A non-transitory computer-readable storage medium containing a set of instructions that, when executed by one or more processors, cause a machine to:
detect, via a web browser extension, that a user is accessing a payment webpage of a website associated with a merchant, the payment webpage being accessed via a computing device associated with the user;
request, via the web browser extension, authentication credentials associated with an account of the user;
after receiving and verifying the authentication credentials, create, by the web browser extension, a merchant-specific virtual card linked to a pre-existing payment instrument associated with the account, wherein creating, by the web browser extension, the merchant-specific virtual card comprises:
placing, via the web browser extension, within a proximity of a payment card entry portion of the payment webpage an icon that, when selected, allows the user to select a payment card from a list of payment cards,
wherein the list includes a balance of at least one of the payment cards,
wherein the payment webpage includes a virtual cart;

automatically enter, in a payment section of the payment webpage, information associated with the merchant-specific virtual card;
detect, via the web browser extension, contents of the virtual cart;
analyze the contents of the virtual cart and financial information associated with the user to generate customized budget information for the user;
display, via the web browser extension, the customized budget information;
receive, by a server, an authorization request for a transaction using the merchant-specific virtual card; and
authorize, by the server, the transaction based on a balance of the pre-existing payment instrument.

2. The non-transitory computer-readable storage medium of claim 1 , wherein the set of instructions, when executed by the one or more processors, further cause the machine to charge the pre-existing payment instrument for the transaction.

3. The non-transitory computer-readable storage medium of claim 1 , wherein the set of instructions, when executed by the one or more processors, further cause the machine to:
in response to a triggering event associated with the merchant, cancel the merchant-specific virtual card but keep the pre-existing payment instrument available for use.

4. The non-transitory computer-readable storage medium of claim 1 , wherein the set of instructions, when executed by the one or more processors, further cause the machine to:
identify that the user is subsequently accessing the payment webpage; and
automatically enter the information associated with the merchant-specific virtual card.

5. The non-transitory computer-readable storage medium of claim 1 , wherein the set of instructions, when executed by the one or more processors, further cause the machine to:
in response to the user accessing the website, automatically enable an interactive window, wherein the interactive window includes personalized information associated with the user;
receive, via the interactive window, a question related to items associated with the transaction and a budget of the user; and
cause answers to be displayed.

6. The non-transitory computer-readable storage medium of claim 1 , wherein the set of instructions, when executed by the one or more processors, further cause the machine to:
receive a transaction request from the merchant using the merchant-specific virtual card; and
charge the pre-existing payment instrument linked to the merchant-specific virtual card for the transaction.

7. The non-transitory computer-readable storage medium of claim 1 , wherein the set of instructions, when executed by the one or more processors, further cause the machine to:
display a payment instrument icon on the payment webpage; and
request the user to specify parameters of the merchant-specific virtual card,
wherein the parameters include a credit limit and an expiration date, wherein the credit limit and the expiration date are bounded by the credit limit and the expiration date of the pre-existing payment instrument.

8. A system comprising:
one or more processors; and
a memory having instructions stored thereon that, when executed by the one or more processors, cause a machine to:
detect, via a web browser extension, that a user is accessing a payment webpage of a website associated with a merchant, the payment webpage being accessed via a computing device associated with the user;
request, via the web browser extension, authentication credentials associated with an account of the user;
after receiving and verifying the authentication credentials, create, by the web browser extension, a merchant-specific virtual card linked to a pre-existing payment instrument associated with the account, wherein creating, by the web browser extension, the merchant-specific virtual card comprises:
placing, via the web browser extension, within a proximity of a payment card entry portion of the payment webpage an icon that, when selected, allows the user to select a payment card from a list of payment cards,
wherein the list includes a balance of at least one of the payment cards,
wherein the payment webpage includes a virtual cart;

automatically enter, in a payment section of the payment webpage, information associated with the merchant-specific virtual card;
detect, via the web browser extension, contents of the virtual cart;
analyze the contents of the virtual cart and financial information associated with the user to generate customized budget information for the user;
display, via the web browser extension, the customized budget information;
receive, by a server, an authorization request for a transaction using the merchant-specific virtual card; and
authorize, by the server, the transaction based on a balance of the pre-existing payment instrument.

9. The system of claim 8 , wherein the instructions, when executed by the one or more processors, further cause the machine to charge the pre-existing payment instrument for the transaction.

10. The system of claim 8 , wherein the instructions, when executed by the one or more processors, further cause the machine to:
in response to a triggering event associated with the merchant, cancel the merchant-specific virtual card but keep the pre-existing payment instrument available for use.

11. The system of claim 8 , wherein the instructions, when executed by the one or more processors, further cause the machine to:
identify that the user is subsequently accessing the payment webpage; and
automatically enter the information associated with the merchant-specific virtual card.

12. The system of claim 8 , wherein the instructions, when executed by the one or more processors, further cause the machine to:
in response to the user accessing the website, automatically enable an interactive window, wherein the interactive window includes personalized information associated with the user;
receive, via the interactive window, a question related to items associated with the transaction and a budget of the user; and
cause answers to be displayed.

13. The system of claim 8 , wherein the instructions, when executed by the one or more processors, further cause the machine to:
receive a transaction request from the merchant using the merchant-specific virtual card; and
charge the pre-existing payment instrument linked to the merchant-specific virtual card for the transaction.

14. The non-transitory computer-readable storage medium of claim 1 , wherein the set of instructions, when executed by the one or more processors, further cause the machine

Assignees

• Uipco Llc
• Usaa

Inventors

• Wu Huihui
• Valles Alejandra
• Jones Darrius M
• Smith Valmore M
• Roberts Lonnie B

Classifications

• G06Q20/354

  Card activation or deactivation · CPC title

• G06Q20/351 Primary

  Virtual cards · CPC title

• G06Q20/348

  Single-use cards, i.e. without possibility of recharging · CPC title

• G06Q20/12

  specially adapted for electronic shopping systems · CPC title