Systems for providing and processing pre-authorized customizable gift tokens

Patent metadata

Field	Value
Publication number	US-10839398-B2
Application number	US-201916450330-A
Country	US
Kind code	B2
Filing date	Jun 24, 2019
Priority date	Jun 21, 2018
Publication date	Nov 17, 2020
Grant date	Nov 17, 2020

Abstract

A method for providing a gift includes receiving a gift token creation request representative of a selection of a gift recipient and gift limitations from a first computing device. The method includes generating a tokenized PAN associated with a gift account and transmitting the tokenized PAN and gift limitations to a second computing device. The method includes detecting a transaction authorization request that is representative of an attempted transaction at a merchant POS device based on monitoring of transaction authorization data originating from a plurality of merchant POS devices. The transaction authorization request represents an attempted tokenized PAN, an attempted transaction amount and a merchant code. The method includes determining that the attempted tokenized PAN matches the tokenized PAN associated with the gift account. The method includes transmitting an authorization message to the merchant POS in response to determining that the transaction authorization request satisfies the gift limitations.

First claim

The invention claimed is:

1. A method for providing an electronically-conveyed financial gift, comprising:
receiving, by a gift application server and from a first computing device, a gift token creation request comprising data representative of a selection of a gift recipient;
generating, by the gift application server and based on the gift token creation request, a tokenized primary account number (PAN) associated with a gift account, the gift account being a financial account associated with a user of the first computing device;
transmitting, to the second computing device associated with the gift recipient, the tokenized PAN and an electronic lock prompt comprising a clue for providing guidance to the gift recipient on how to unlock the electronic lock and an electronic lock interface, wherein the electronic lock prompt prevents the use of the tokenized PAN until the electronic lock prompt is unlocked;
receiving, by the gift application server and from the second computing device via the electronic lock interface, an attempted lock solution;
determining whether the attempted lock solution matches the lock solution; and
responsive to determining that the attempted lock solution matches the lock solution, allow the use of the tokenized PAN in a transaction;
responsive to determining that the attempted lock solution does not match the lock solution, transmit, via the gift application server, a failed attempt notification to the first computing device, wherein the failed attempt notification comprises the attempted lock solution;
receiving, by the gift application server and from the first computing device, a remote unlock instruction allowing the use of the tokenized PAN in the transaction despite a failed unlock attempt;
detecting, based on monitoring of transaction authorization data originating from a plurality of merchant POS devices, a transaction authorization request that is representative of an attempted transaction at a merchant POS device, the transaction authorization request comprising data representative of:
an attempted tokenized PAN;
an attempted transaction amount; and
a merchant code;

determining that the attempted tokenized PAN matches the tokenized PAN associated with the gift account; and
responsive to determining that the attempted tokenized PAN matches the tokenized PAN associated with the gift account, transmit, by the transaction server, an authorization message to the merchant POS device, wherein the authorization message represents an authorization of an attempted purchase.

2. The method of claim 1 , further comprising:
transmitting to the second computing device data representative of gift limitations; and
determining that the transaction authorization request satisfies the gift limitations;
wherein the gift token creation request further comprises data representative of the gift limitations comprising a maximum gift amount and one or more redemption merchants.

3. The method of claim 2 , wherein determining that the transaction authorization request satisfies the gift limitations comprises:
identifying an attempted transaction merchant associated with the attempted transaction based on the merchant code; and
determining that the attempted transaction merchant matches one of the one or more redemption merchants.

4. The method of claim 3 , further comprising: debiting the gift account an amount that is equal to:
the attempted transaction amount if the attempted transaction amount is less than the maximum gift amount; or
the maximum gift amount if the attempted transaction amount is greater than or equal to the maximum gift amount.

5. The method of claim 4 , further comprising:
determining a remaining gift amount that is equal to the maximum gift amount minus the amount debited to the gift account; and
transmitting, to the second computing device, a notification representing the remaining gift amount.

6. The method of claim 3 , further comprising:
responsive to determining that the transaction authorization request does not satisfy the gift limitations, sending a rejection message to the merchant POS device representing a rejection of the attempted transaction.

7. The method of claim 1 , wherein the gift limitations further comprise a gift expiration date and the transaction authorization request further comprises an attempted transaction date.

8. The method of claim 7 , wherein determining that the transaction authorization request satisfies the gift limitations further comprises:
determining that the attempted transaction date chronologically precedes the gift expiration date.

9. The method of claim 1 , wherein the gift token creation request further comprises data representative of a selection of the gift account from a plurality of financial accounts associated with the user of the first computing device.

10. The method of claim 1 , wherein:
transmitting the tokenized PAN comprises transmitting data configured to be stored in a digital wallet of the second computing device, and
the tokenized PAN is a 16-digit number.

11. The method of claim 1 , wherein transmitting the tokenized PAN comprises transmitting an image for display by the second computing device.

12. The method of claim 11 , wherein the image comprises a bar code that may be used to convey the tokenized PAN to the merchant POS device in response to being scanned or captured by an image capture device associated with the merchant POS device.

13. The method of claim 11 , wherein the image comprises a quick response (QR) code that may be used to convey the tokenized PAN to the merchant POS device in response to being scanned or captured by an image capture device associated with the merchant POS device.

14. The method of claim 1 , wherein generating the tokenized PAN comprises:
generating a new PAN number that does not match any of a plurality of pre-existing PAN numbers; and
associating the new PAN number with the gift account.

15. The method of claim 1 , wherein monitoring of transaction authorization data originating from a plurality of merchant POS devices is performed in real-time.

16. The method of claim 1 , wherein monitoring of transaction authorization data originating from a plurality of merchant POS devices is performed intermittently at intervals.

17. A method for providing an electronically-conveyed financial gift, comprising:
receiving, by a gift application server and from a first computing device, a gift token creation request comprising data representative of a selection of a gift recipient;
receiving, from the first computing device, fingerprint data obtained from a fingerprint scanner;
determining that the received fingerprint data matches a stored fingerprint data associated with the user of the first computing device;
responsive to determining that the received fingerprint data matches a stored fingerprint data associated with the user of the first computing device, generating, by the gift application server and based on the gift token creation request, a tokenized primary account number (PAN) associated with a gift account, the gift account being a financial account associated with a user of the first computing device;
transmitting, to the second computing device associated with the gift recipient, the tokenized PAN and an electronic lock prompt comprising a clue for providing guidance to the gift recipient on how to unlock the electronic lock and an electronic lock interface;
determining whether an attempted lock solution previously received from the second computing device via the electronic lock interface matches the

Assignees

• Capital One Services Llc

Inventors

• Butler Taurean
• Berglund Christine
• Vukich Adam
• Greenberg Jessica
• Hart Colin
• Bulgakov Mykhaylo
• Ji Jason
• Gibilterra Kaylyn

Classifications

• G06Q20/405 Primary

  Establishing or using transaction specific rules · CPC title

• G06Q20/202

  Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR · CPC title

• G06Q20/40

  Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists · CPC title

• G06Q20/387 Primary

  Payment using discounts or coupons (relating to marketing G06Q30/02) · CPC title

• G06Q20/385

  using an alias or single-use codes · CPC title