Configurable management of ghost accounts
AssigneeUnited Services Automobile Association (USAA)
InventorsJeffrey Walton Easley, Lee Adams, Juan Pablo Sandoval
Life of this patent
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AssigneeUnited Services Automobile Association (USAA)
InventorsJeffrey Walton Easley, Lee Adams, Juan Pablo Sandoval
Estimating the term…
Techniques are described for managing ghost account(s) for user(s). A ghost account may be created with a ghost account number that is a digitally provisioned payment card number linked to a backend account of a user. The ghost account number may be used to conduct transactions in situations where the user may otherwise use their backend account number. One more constraints governing the use of the ghost account may be specified by the user and/or the backend account management service. For example, the user may request a ghost account to be used only to make payments to a particular merchant or service. As another example, the user may request a ghost account to be useable for a particular period of time and/or a particular number of uses. Transactions initiated through the ghost account may be completed using the backend account that is linked to the ghost account.
A physical card device comprising:
A computer-implemented method performed by at least one processor, the method comprising:
One or more non-transitory computer-readable media storing instructions which, when executed by at least one processor, cause the at least one processor to perform operations comprising:
Dependencies are inferred from the claim text.