Pre-populating a credit card number field

Patent metadata

Field	Value
Publication number	US-11037212-B2
Application number	US-201414556915-A
Country	US
Kind code	B2
Filing date	Dec 1, 2014
Priority date	Dec 1, 2014
Publication date	Jun 15, 2021
Grant date	Jun 15, 2021

Abstract

In a computer-implemented method for pre-populating a credit card number field a credit card number is stored at a remote location by a credit card issuer, and a credit card number field is pre-populated with the stored credit card number for an online payment, wherein the pre-populating is provided by the credit card issuer.

First claim

The invention claimed is:

1. A computer-implemented method for pre-populating a credit card number field, comprising:
storing, at a remote computing device associated with a credit card issuer, a particular credit card number;
receiving, at the remote computing device and from a local computing device, a request for the remote computing device to automatically provide the particular credit card number to the credit card number field of an online website of an ecommerce only retailer hosted by a third computing device,
the remote computing device, the local computing device and the third computing device hosting the online website are each distinct,
the request indicating that a user of the local computing device does not manually provide the particular credit card number to the credit card number field of the online website hosted by the third computing device;

providing, from the remote computing device and to the local computing device, a request for an authentication of the user;
receiving, at the remote computing device and from the local computing device, an authentication information for the user,
the authentication information for the user comprising: a biometric information about the user, wherein said biometric information is information obtained based on a heart rate of the user,
the biometric information used in place of a user identifier and password authentication; and

pre-populating, by the remote computing device and after the authentication of the user, the credit card number field of the online website hosted by the third computing device with said stored particular credit card number without providing access to the stored particular credit card number at the local computing device.

2. The computer-implemented method of claim 1 , wherein said particular credit card number is of a private label credit card.

3. The computer-implemented method of claim 1 , wherein said particular credit card number is of a digital credit card.

4. The computer-implemented method of claim 1 , wherein said biometric information is information obtained based on a thumb print scan of the user.

5. The computer-implemented method of claim 1 , wherein said biometric information is information obtained based on a voice detection of the user.

6. The computer-implemented method of claim 1 , wherein said request for the authentication of the user further comprises: a request for a username and a password for the user.

7. A computer-implemented method for pre-populating a credit card number field, comprising:
issuing a credit card by a credit card issuer to a user;
storing, at a remote computing device associated with the credit card issuer, a particular credit card number of said credit card;
receiving an indication, at a local computing device, that the user does not manually provide the particular credit card number to the credit card number field of an online website of an ecommerce only retailer hosted by a third computing device,
the remote computing device, the local computing device and the third computing device hosting the online website are each distinct;

providing, from the local computing device to the remote computing device, a request for the remote computing device to automatically provide the particular credit card number to the credit card number field of the online website hosted by the third computing device,
receiving, at the local computing device and from the remote computing device, a request for an authentication of the user;
providing, from the local computing device and to the remote computing device, an authentication information for the user,
the authentication information for the user comprising: a biometric information about the user, wherein said biometric information is information obtained based on a heart rate of the user,
the biometric information used in place of a user identifier and password authentication;

authenticating, at the remote computing device, the user based on the authentication information; and
pre-populating, by the remote computing device and after the authentication of the user, the credit card number field of the online website hosted by the third computing device with said particular credit card number without providing the stored particular credit card number to the local computing device.

8. The computer-implemented method of claim 7 , wherein said particular credit card number is of a private label credit card.

9. The computer-implemented method of claim 7 , wherein said particular credit card number is of a digital credit card.

10. The computer-implemented method of claim 7 , wherein said request for the authentication of the user further comprises: a request for a username and a password for the user.

11. The computer-implemented method of claim 7 , wherein said biometric information is information obtained based on a thumb print scan of the user.

12. The computer-implemented method of claim 7 , wherein said biometric information is information obtained based on a voice detection of the user.

Assignees

• Comenity Llc

Inventors

• Walz James
• Lowe Karen
• Nack David

Classifications

• G06Q30/0601 Primary

  Electronic shopping [e-shopping] · CPC title

• H04W12/06

  Authentication · CPC title

• G06Q20/409

  Device specific authentication in transaction processing · CPC title

• H04W12/068

  using credential vaults, e.g. password manager applications or one time password [OTP] applications · CPC title

• G06Q20/12

  specially adapted for electronic shopping systems · CPC title