Systems and methods for generating and using virtual card numbers

Patent metadata

Field	Value
Publication number	US-12229750-B2
Application number	US-202117518607-A
Country	US
Kind code	B2
Filing date	Nov 4, 2021
Priority date	Nov 4, 2021
Publication date	Feb 18, 2025
Grant date	Feb 18, 2025

Abstract

A system may receive a first timestamp associated with first click data at a first website associated with a first merchant, a first referring URL, and a first checkout URL, responsive to the user device navigating to the first checkout URL via the first referring URL, determine whether the first referring URL and the first checkout URL have first domains that respectively match previous domains of a previous referring URL and a previous checkout URL beyond a predetermined matching threshold, and based on the first referring URL and the first checkout URL having the first domains that respectively match the previous domains of the previous referring URL and the previous checkout URL beyond the predetermined matching threshold, cause the web browser plugin of the user device to display, in a dynamic GUI, a first virtual card number associated with the previous domains to complete a first transaction.

First claim

What is claimed is:

1. A system comprising:
one or more processors; and
a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
cause a web browser plugin on a user device to monitor website navigation on the user device and generate a first timestamp based on click data detected in association with the user device navigating to a first checkout uniform resource location (URL) via a first referring URL, wherein the first referring URL is associated with a first website associated with a first merchant;
cause the web browser plugin on the user device to detect that the user device has navigated to the first checkout URL via the first referring URL by identifying one or more payment fields on a web page associated with the first checkout URL;
responsive to the web browser plugin detecting that the user device has navigated to the first checkout URL via the first referring URL, receive, via the web browser plugin on the user device, the first timestamp, the first referring URL, the first checkout URL, and first user identification data;
receive first transaction authorization data comprising a second timestamp and second user identification data associated with a first attempted transaction with the first merchant, wherein the second user identification data comprises a first virtual card number;
determine whether (i) the first timestamp is within a predetermined period of the second timestamp and (ii) the first user identification data corresponds with the second user identification data;
responsive to determining that the first timestamp is within the predetermined period of the second timestamp and the first user identification data corresponds with the second user identification data, store the first virtual card number associated with the first referring URL and the first checkout URL in a database;
receive, via the web browser plugin on the user device, a third timestamp associated with second click data at a second website associated with a second merchant, a second referring URL, a second checkout URL, and third user identification data responsive to the user device navigating to the second checkout URL via the second referring URL;
determine whether the second referring URL and the second checkout URL have second domains that respectively match first domains of the first referring URL and the first checkout URL beyond a predetermined matching threshold;
based on the second referring URL and the second checkout URL having the second domains that respectively match the first domains of the first referring URL and the first checkout URL beyond the predetermined matching threshold, cause the web browser plugin of the user device to suggest and display, in a dynamic graphical user interface (GUI), the first virtual card number and prepopulate at least one credit card field associated with the second checkout URL with the first virtual card number; and
based on the second referring URL or the second checkout URL having the second domains that do not respectively match the first domains of the first referring URL and the first checkout URL beyond the predetermined matching threshold, generate a second virtual card number for display via the dynamic GUI and prepopulate the at least one credit card field associated with the second checkout URL with the second virtual card number.

2. The system of claim 1 , wherein the instructions are further configured to cause the system to:
responsive to determining that the first timestamp is not within the predetermined period of the second timestamp or the first user identification data does not correspond with the second user identification data, associate the second referring URL and the second checkout URL with a card-on-file transaction and update the dynamic GUI to include a card-on-file indication.

3. The system of claim 1 , wherein the instructions are further configured to cause the system to:
cause the web browser plugin on the user device to transmit the first timestamp, the referring URL, the first checkout URL and the first user identification data in response to identifying the one or more payment fields on the web page associated with the first checkout URL.

4. The system of claim 1 , wherein the first user identification data comprises single sign on identification data (SSOID).

5. The system of claim 4 , wherein the third user identification data comprises the SSOID.

6. The system of claim 5 , wherein:
the SSOID of first user identification data is linked to one or more first account numbers,
the second user identification data comprises an account number, a name, and/or an address associated with a first user and the first attempted transaction, and
determining that the first user identification data corresponds with the second user identification data further comprises matching the account number of the second user identification data to the one or more first account numbers of the SSOID of the first user identification data beyond a predetermined identification matching threshold.

7. The system of claim 1 , wherein the instructions are further configured to cause the system to:
responsive to the second referring URL and the second checkout URL having the second domains that respectively match the first domains of the first referring URL and the first checkout URL beyond the predetermined matching threshold, receive, via the dynamic GUI, a first selection from the user device, indicating the suggested first virtual card number.

8. The system of claim 1 , wherein the click data detected in association with the user device navigating from to the first checkout URL via the first referring URL comprises data indicating that a user of the user device has clicked on a checkout button on the first website associated with the first merchant.

9. A system comprising:
one or more processors; and
a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
cause a web browser plugin on a user device to monitor website navigation on the user device and generate a first timestamp based on click data detected in association with the user device navigating to a first checkout uniform resource location (URL) via a first referring URL, wherein the first referring URL is associated with a first website associated with a first merchant;
cause the web browser plugin on the user device to detect that the user device has navigated to the first checkout URL via the first referring URL by identifying one or more payment fields on a web page associated with the first checkout URL;
responsive to the web browser plugin detecting that the user device has navigated to the first checkout URL via the first referring URL, receive, via the web browser plugin on the user device, the first timestamp, the first referring URL, and the first checkout URL;
determine whether the first referring URL and the first checkout URL have first domains that respectively match previous domains of a previous referring URL and a previous checkout URL beyond a predetermined matching threshold; and
based on the first referring URL and the first checkout URL having the first domains that respectively match the previous domains of the previous referring URL and the previous checkout URL beyond the predetermined matching threshold, cause the web browser plugin of the user device to suggest and display, in a dynamic graphical user interface (GUI), a first virtual card number associated with the previous domains and prepopulate at least one credit card field associated with the first checkout URL w

Assignees

• Capital One Services Llc

Inventors

• Sneider Amanda
• Fenichel Allison
• Gupta Varun

Classifications

• G06Q20/4015

  using location information · CPC title

• G06Q30/0603 Primary

  Catalogue creation or management · CPC title

• G06Q30/0601

  Electronic shopping [e-shopping] · CPC title

• G06Q20/351 Primary

  Virtual cards · CPC title

• G06Q20/4016

  involving fraud or risk level assessment in transaction processing · CPC title