Connected payment card systems and methods

Patent metadata

Field	Value
Publication number	US-12112313-B2
Application number	US-202318121717-A
Country	US
Kind code	B2
Filing date	Mar 15, 2023
Priority date	Jul 31, 2015
Publication date	Oct 8, 2024
Grant date	Oct 8, 2024

Abstract

Methods and systems of managing payment cards are disclosed. A financial institution computing system includes a token database storing a plurality of tokens and token information, a network interface circuit enabling the financial institution computing system to exchange information over a network; and a token management circuit. The token management circuit enables a graphical user interface on a customer device over the network that can be used to generate new token requests, re-provision token requests, and management requests. The management requests enable and disable tokens, such that transactions against a payment card account using an enabled token are completed, and transactions against the payment card account using a disabled token are denied.

First claim

What is claimed is:

1. A computing system for managing customer tokens, the system comprising:
a customer database configured to store customer account information;
a token database configured to store one or more tokens and token information associated with the one or more tokens; and
one or more processors in communication with a remote device presenting a graphical user interface on, the one or more processors configured to:
receive, via the graphical user interface, instructions to either enable or disable a first token of the one or more tokens associated with a corresponding merchant;
update the token database according to the instructions to either enable or disable the first token;
cause display, on the graphical user interface of the remote device, a first image, wherein the first image is associated with a payment account, wherein the first image is stored in association with the customer account information in the customer database, wherein the first image is stored In associated with the first token;
receive, from the remote device, data corresponding to a point of sale device that is proximate to the remote device;
determine, based on the data received from the remote device, a set of characteristics of the point of sale device; and
dynamically cause display, on the graphical user interface of the remote device, a second image selected based on the set of characteristics of the point of sale device.

2. The computing system of claim 1 , wherein the second image comprises a notification.

3. The computing system of claim 2 , wherein the notification indicates at least one of an exceeded spending limit, a due date, or a selectable button.

4. The computing system of claim 1 , wherein the data corresponding to the point of sale device comprises global positioning system (GPS) information of the remote device.

5. The computing system of claim 1 , wherein the data corresponding to the point of sale device indicates access to a local wireless network associated with the point of sale device.

6. The computing system of claim 1 , wherein the data corresponding to the point of sale device indicates a transaction using the payment card account.

7. The computing system of claim 2 , wherein the notification indicates a due date associated with the payment card account.

8. The computing system of claim 1 , wherein the one or more processors are further configured to:
receive, via the graphical user interface, second instructions to change the customer account information; and
modify, on the graphical user interface, the first image associated with the payment card account in response receiving the second instructions to change the customer account information.

9. A method for managing customer tokens, the method comprising:
receiving, by one or more processors of a computing system, via a graphical user interface, instructions to either enable or disable a first token of one or more tokens associated with a corresponding merchant, the one or more tokens stored in a token database;
updating, by the one or more processors, the token database according to the instructions to either enable or disable the first token;
causing display, by the one or more processors of a computing system, on the graphical user interface of a remote device, a first image, wherein the first image is associated with a payment card account, wherein the first image is stored in association with customer account information in a customer database, wherein the first image is stored in associated with the first token;
receiving, by the one or more processors, from the remote device, data corresponding to a point of sale device that is proximate to the remote device;
determining, by the one or more processors, based on the data received from the remote device, a set of characteristics of the point of sale device; and
dynamically causing display, by the one or more processors, on the graphical user interface of the remote device, a second image selected based on the set of characteristics of the point of sale device.

10. The method of claim 9 , wherein the second image comprises a notification.

11. The method of claim 10 , wherein the notification indicates at least one of an exceeded spending limit, a due date, or a selectable button.

12. The method of claim 9 , wherein the data corresponding to the point of sale device comprises global positioning system (GPS) information of the remote device.

13. The method of claim 9 , wherein the data corresponding to the point of sale device indicates access to a local wireless network associated with the point of sale device.

14. The method of claim 9 , wherein the data corresponding to the point of sale device indicates a transaction using the payment card account.

15. The method of claim 10 , wherein the notification indicates a due date associated with the payment card account.

16. The method of claim 9 , further comprising
receiving, by the one or more processors, via the graphical user interface, second instructions to change the customer account information; and
modifying, by the one or more processors, on the graphical user interface, the first image associated with the payment card account in response receiving the second instructions to change the customer account information.

17. A non-transitory computer-readable medium with instructions embodied thereon that, when executed by one or more processors, cause the one or more processors to perform operations comprising:
receiving, via a graphical user interface of a remote device, first instructions to either enable or disable a first token of one or more tokens associated with a corresponding merchant, the one or more tokens stored in a token database;
updating the token database according to the first instructions to either enable or disable the first token;
causing display, on a graphical user interface of a remote device, a first image, wherein the first image is associated with a payment account, wherein the first image is stored in association with customer account information in a customer database, wherein the first image is stored in associated with the first token;
receiving, from the remote device, data corresponding to a point of sale device that is proximate to the remote device;
determining, based on the data received from the remote device, a set of characteristics of the point of sale device; and
dynamically causing display on the graphical user interface of the remote device, a second image selected based on the set of characteristics of the point of sale device.

18. The non-transitory computer-readable medium of claim 17 , wherein the second image comprises a notification.

Assignees

• Wells Fargo Bank Na

Inventors

• Techel Michelle B
• Ho Peter
• Edge Timothy R
• Scocci Dorothy M
• Yost Brenda L
• Dideum Kathy Barris
• Wong Cheryl Lynn
• Soparkar Khyati
• Puffer Steven E
• Hellman Stephanie S
• Pearce Brian M
• Crowell James D

Classifications

• G07F17/3248

  involving non-monetary media of fixed value, e.g. casino chips of fixed value · CPC title

• G07F17/3211

  Display means · CPC title

• G06Q40/02

  Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) · CPC title

• G06Q20/36

  using electronic wallets or electronic money safes · CPC title

• G06Q20/3674

  involving authentication · CPC title