Computer-based systems involving temporary cards and associated server and/or mobile device features and methods of use thereof

Patent metadata

Field	Value
Publication number	US-11763293-B2
Application number	US-202017086250-A
Country	US
Kind code	B2
Filing date	Oct 30, 2020
Priority date	Oct 30, 2020
Publication date	Sep 19, 2023
Grant date	Sep 19, 2023

Abstract

Systems and methods involving a temporary card as well as features and functionality of an associated server and/or application resident on a computing device are disclosed. In one embodiment, an exemplary system may comprise a temporary card provided to a user to conduct purchase transactions for a period of temporary use as well as a server configured to manage operation of the temporary card and execute instructions causing the server to: communicate with an app resident on a computing device associated with the user, instruct the app to generate one or more graphical user interfaces (GUIs) configured to display first interactive GUI elements with first user-selection(s) and second interactive GUI elements with second user-selection(s), and/or control the temporary card based on the first and second user-selections.

First claim

The invention claimed is:

1. A system comprising:
a temporary card provided to a user to conduct at least one activity requiring a presentation of the temporary card, the temporary card configured to be active for a period of a temporary use during a pre-defined time period, wherein the temporary card includes:
a wireless communication component that:
(i) detects that the temporary card is in proximity to a mobile computer device of the user;
(ii) activates the temporary card upon detection of the proximity; and
(iii) couples the temporary card to the mobile computer device; and

circuitry configured to process a location received from the mobile computer device, to confirm authorized use, approved action or activity, and/or transactions made by the temporary card;
wherein the mobile computer device is configured to:
(i) receive the location of the mobile computer device provided by a global positioning system (GPS), and
(ii) communicate the location to the circuitry of the temporary card paired with the communication circuitry in the mobile computer device; and

a server configured to manage operation of the temporary card, and comprising non-transitory computer readable media storing instructions that, when executed by at least one processor of the server, cause the server to:
communicate with an app resident on a computing device associated with the user;
instruct the app to generate one or more graphical user interfaces (GUIs) configured to display:
first interactive GUI elements, allowing a first user-selection of first criteria including: the pre-defined time period of approved use and at least one location or geographic region of approved use; and
second interactive GUI elements, allowing a second user-selection of second criteria related to one or more of:
i) an approval of a use of the temporary card,
ii) an approval or operation of the temporary card,
iii) an approval of the at least one activity,
iv) an approval of an entity where the temporary card to be used,
v) a verification of the at least one activity, or
vi) an establishment of a physical interaction between the computing device and the temporary card;

control the temporary card based on the first and second user-selections; and
deactivate the temporary card when the pre-defined time period has expired, the at least one activity is completed, or both.

2. The system of claim 1 wherein the at least one activity comprises a purchase transaction.

3. The system of claim 1 wherein the temporary card comprises circuitry that is configured to deactivate the temporary card at an expiration date defining an end of a time period that the user is travelling.

4. The system of claim 1 wherein the computer readable media further comprise instructions that, when executed by the at least one processor, cause the server to:
notify the user, via the app, of an attempted transaction that was attempted using card information of the temporary card;
provide to the user, via the app, third interactive GUI elements that the user selects to indicate a verified approval from the user of the attempted transaction; and
authorize, in response to receipt of the verified approval from the user, the attempted transaction.

5. The system of claim 1 wherein the physical interaction comprises one or more of: establishing presence of the temporary card at the mobile device via contactless wireless interaction, establishing presence of the temporary card at the mobile device via contact or touch, and/or capturing an image of the temporary card via a camera of the mobile device.

6. The system of claim 1 wherein the second criteria further includes one or more of: a threshold transaction amount, specific merchants that are approved or un-approved, and/or categories of products/services that are approved or un-approved.

7. The system of claim 1 wherein the computer readable media further comprise instructions that, when executed by the at least one processor, cause the server to:
provide the mobile app to the mobile computing device for installation.

8. The system of claim 1 , wherein the temporary card comprises a payment token comprising information corresponding to one or more of: a card number, a card verification value code, a card expiration date, an address, a card holder name, an indicator of whether the payment token is for a single use or multiple use, an indicator of a number of use of the payment token, a spending limit per transaction of the payment token, a permissive category list of the payment token, a restricted category list of the payment token, a permissive merchant list of the payment token, an exclusion list of the payment token, an inclusive list of the payment token, and a geo-limit of the payment token.

9. The system of claim 1 , wherein the temporary card includes:
a wireless communication component configured to couple the temporary card to the mobile computer device, or to another device of the user; and
wherein the circuitry is configured to process the location received from the user device, to confirm authorized use, approved action or activity, and/or transactions made by the temporary card.

10. The system of claim 1 , wherein the at least one computer or server is configured to automatically deactivate the temporary card upon detecting that the user returns to a primary residence.

11. The system of claim 1 wherein the pre-defined time period comprises a period of time that the user is travelling including a start date/time and an expiration date/time.

12. The system of claim 1 , wherein the temporary card further comprises:
deactivation circuitry that is configured to deactivate the temporary card at an expiration date defining an end of a time period that the user is travelling; and
wherein the wireless communication component is further configured to:
detect that the temporary card is in proximity to a main temporary card of the user.

13. A method comprising:
providing, to a user, a temporary card to conduct purchase transactions, the temporary card comprising:
a wireless communication component that:
(i) detects that the temporary card is in proximity to mobile computer device of the user;
(ii) activates the temporary card upon detection of the proximity; and
(iii) couples the temporary card to the mobile computer device; and

circuitry that:
manages and authorizes use of the temporary card over a period of temporary use during a time period that the user is travelling, including a start date and an expiration date corresponding to the time period that the user is travelling; and
processes a location received from the mobile computer device, to confirm authorized use, approved action or activity, and/or transactions made by the temporary card;
wherein the mobile computer device is configured to:
 (i) receive the location of the mobile computer device provided by a global positioning system (GPS), and
 (ii) communicate the location to the circuitry of the temporary card paired with the communication circuitry in the mobile computer device;

managing, by at least one computer or server, operation of the temporary card, including:
communicating, by the at least one computer or server, with an app resident on a computing device associated with the user;
providing instructions, by the at least one computer or server, to the app for the app to generate one or more graphical user interfaces (GUIs) that display:
first interactive GUI elements, allowing a first user-selection of first criteria including: a time period of approved use and at least one location or geographic region of approved use; and
second interactive GUI ele

Assignees

• Capital One Services Llc

Inventors

• Sneider Amanda
• Prat Bernard
• Sun Kaichao

Classifications

• G06Q20/382

  insuring higher security of transaction · CPC title

• G06Q20/385

  using an alias or single-use codes · CPC title

• G06Q40/00

  Finance; Insurance; Tax strategies; Processing of corporate or income taxes · CPC title

• G06F3/0482 Primary

  Interaction with lists of selectable items, e.g. menus · CPC title

• G06Q20/354 Primary

  Card activation or deactivation · CPC title