Systems and methods for card information management
AssigneeCapital One Services, LLC
InventorJeffrey Rule
Life of this patent
Estimating the term…
Abstract
Example embodiments of systems and methods for replacing card information. In an embodiment, a system comprises an authentication server in data communication with a network and a database in data communication with the authentication server. The authentication server is configured to receive an authentication signal from a user device via the network, retrieve a list of merchants having transaction history with an account associated with the account card, and transmit an access token to at least one merchant server selected using the list of merchants.
Claims20
A method of replacing stored card information comprising the steps of:
- transmitting, by a user device application comprising instructions for execution on a user device, an authentication signal via a network to an authentication server;
- transmitting, by the authentication server, an access token to a merchant server, the access token configured to request the initiation of a communication channel between the user device application and the merchant server;
- transmitting, by the user device application via the communication channel, account card information indicative of an account card to the merchant server;
- and
- instructing, by the user device application, the merchant server to replace stored card information with the account card information.
A system, comprising:
- an authentication server comprising a processor and a memory;
- and
- a user device application comprising instructions for execution on a user device,
- wherein the user device application is configured to transmit an authentication signal via a network to an authentication server,
- wherein the authentication server is configured to an access token to a merchant server, the access token configured to request the initiation of a communication channel between the user device application and the merchant server, and
- wherein the user device application is further configured to:
- transmit, via the communication channel, account card information indicative of an account card to the merchant server, and
- instruct the merchant server to replace stored card information with the account card information.
An authentication server, comprising:
- a processor;
- and
- a memory, wherein the processor is configured to:
- receive an authentication signal from a user device application comprising instructions for execution on a user device, and
- transmit an access token to a merchant server storing stored card information, and
- wherein the access token is configured to request the initiation of a communication channel between the user device application and the merchant server.
Dependencies are inferred from the claim text.