# US 12,112,300 B2 · Injecting user control for card-on-file merchant data and implicitly-identified recurring payment transaction parameters between acquirer processors and issuer processors over data communication networks > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,112,300 B2 - Document ID: US12112300B2 - Status: Granted - Kind: B2 - Application number: 17/069,586 - Filed: 2020-10-13 - Published: 2021-05-06 - Granted: 2024-10-08 - Earliest claimed: 2012-06-19 - Assignees: OnDot Systems, Inc. - Applicants: OnDot Systems Inc. - Inventors: Zhiqiang Zhang; Vaduvur Bharghavan - Web page: https://patentgrep.com/patent/US12112300B2 ## CPC - G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] - G06Q 20/102: {Bill distribution or payments} - G06F 16/215: Improving data quality; Data cleansing, e.g. de-duplication, removing invalid entries or correcting typographical errors - G06F 16/23: Updating - G06F 16/2379: {Updates performed during online database operations; commit processing} - G06Q 20/108: {Remote banking, e.g. home banking} - G06Q 20/127: {Shopping or accessing services according to a time-limitation} - G06Q 20/3263: {characterised by activation or deactivation of payment capabilities} - G06Q 20/3672: {initialising or reloading thereof} - G06Q 20/405: {Establishing or using transaction specific rules} - G06Q 20/409: {Device specific authentication in transaction processing} - G06Q 20/4093: {Monitoring of device authentication} - G06Q 20/4097: {using mutual authentication between devices and transaction partners} - G06Q 20/42: Confirmation, e.g. check or permission by the legal debtor of payment - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) ## Abstract Updates to a payment card of the specific card user that will affect subsequent payments to the COF merchants has occurred are detected based on receiving a notification from an issuer processor. In response, payment credentials can be automatically updated with the COF merchants for the specific card user. ## Claims ### Claim 1 A method comprising: receiving, by a server, a plurality of historical transaction records from a historical transaction database, wherein each of the plurality of historical transaction records is associated with a cardholder; performing, by the server, spectral analysis on the plurality of historical transaction records by: deriving, by the server, time-series data from the plurality of historical transaction records; projecting, by the server, the time-series data onto a frequency domain; detecting, by the server, two or more spikes in the frequency domain; determining, by the server, whether the two or more spikes satisfy a predetermined threshold; and based on the two or more spikes satisfying the predetermined threshold, identifying, by the server, recurring payments associated with a merchant; determining, by the server, a price point for the merchant associated with the identified recurring payments; generating, by the server, an alert to the cardholder including the identified recurring payments and the associated price point; receiving, by the server, a response from the cardholder in response to the identified recurring payments; determining, by the server, based on the response from the cardholder, if changes to the identified recurring payments are needed; and updating, by the server, the identified recurring payments based on the determined changes. ### Claim 2 (depends on 1) The method of claim 1, wherein updating the identified recurring payments comprises providing, by the server and to the merchant, updated account information associated with the cardholder. ### Claim 3 (depends on 2) The method of claim 2, wherein the updated account information comprises at least one of an account number associated with the cardholder or an expiration date of a payment instrument associated with the cardholder. ### Claim 4 (depends on 1) The method of claim 1, wherein updating the recurring payments comprises blocking the identified recurring payments. ### Claim 5 (depends on 1) The method of claim 1, wherein performing the spectral analysis on the plurality of historical transaction records further comprises determining that the merchant has set up the identified recurring payments for more than one subscription with the cardholder, and wherein determining that the merchant has set up the identified recurring payments for more than one subscription comprises: detecting, by the server, a cardholder price point associated with at least one of the more than one subscriptions; and comparing, by the server, the cardholder price point to an alternate price point of a similar cardholder. ### Claim 6 (depends on 1) The method of claim 1, further comprising: enriching, by the server, data concerning the merchant associated with the identified recurring payments or the identified recurring payments, wherein the enriched data comprises one of an enriched merchant name, a merchant identification, a URL, a phone number, a merchant email, a frequency of the identified recurring payments associated with the merchant, or a description of the identified recurring payments associated with the merchant, and wherein the identified recurring payments sent to the cardholder comprise the enriched data. ### Claim 7 (depends on 1) The method of claim 1, further comprising: establishing, by the server, a secure channel between the cardholder and the server in response to a receipt of an authentication credential from the cardholder; and sending, by the server, the identified recurring payments to the cardholder over the secure channel. ### Claim 8 A non-transitory computer-readable media comprising computer-readable instructions stored thereon which, when executed by one or more processors of a server, cause the one or more processors to perform a process comprising: receiving a plurality of historical transaction records from a historical transaction database, wherein each of the plurality of historical transaction records is associated with a cardholder; performing spectral analysis on the plurality of historical transaction records by: deriving time-series data from the plurality of historical transaction records; projecting the time-series data onto a frequency domain; detecting two or more spikes in the frequency domain; determining whether the two or more spikes satisfy a predetermined threshold; and based on the two or more spikes satisfying the predetermined threshold, identifying recurring payments associated with a merchant; determining a price point for the merchant associated with the recurring payments; generating an alert to the cardholder including the identified recurring payments and the associated price point; receiving a response from the cardholder in response to the identified recurring payments; determining based on the response from the cardholder, if changes to the identified recurring payments are needed; and updating the identified recurring payments based on the determined changes. ### Claim 9 (depends on 8) The non-transitory computer-readable media of claim 8, wherein to update the identified recurring payments, the one or more processors further execute computer-readable instructions to provide to the merchant, updated account information associated with the cardholder. ### Claim 10 (depends on 9) The non-transitory computer-readable media of claim 9, wherein the updated account information comprises at least one of an account number associated with the cardholder or an expiration date of a payment instrument associated with the cardholder. ### Claim 11 (depends on 8) The non-transitory computer-readable media of claim 8, wherein to update the identified recurring payments, the one or more processors further execute computer-readable instructions to block the identified recurring payments. ### Claim 12 (depends on 8) The non-transitory computer-readable media of claim 8, wherein to perform the spectral analysis on the plurality of historical transaction records, the one or more processors further execute computer-readable instructions to determine that the merchant has set up the identified recurring payments for more than one subscription with the cardholder by: detecting, by the server, a cardholder price point associated with at least one of the more than one subscriptions; and comparing, by the server, the cardholder price point to an alternate price point of a similar cardholder. ### Claim 13 (depends on 8) The non-transitory computer-readable media of claim 8, wherein the one or more processors further execute computer-readable instructions to enrich data concerning the merchant associated with the identified recurring payments, or the identified recurring payments, wherein the enriched data comprises one of an enriched merchant name, a merchant identification, a URL, a phone number, a merchant email, a frequency of the identified recurring payments associated with the merchant, or a description of the identified recurring payments associated with the merchant, and wherein the identified recurring payments sent to the cardholder comprise the enriched data. ### Claim 14 (depends on 8) The non-transitory computer-readable media of claim 8, wherein the one or more processors further execute computer-readable instructions to: establish a secure channel between the cardholder and the server in response to a receipt of an authentication credential; and send the identified recurring payments to the cardholder over the secure channel. ### Claim 15 A system comprising: a memory having computer-readable instructions stored thereon; and one or more processors executing the computer-readable instructions to: receive a plurality of historical transaction records from a historical transaction database, wherein each of the plurality of historical transaction records is associated with a cardholder; perform spectral analysis on the plurality of historical transaction records by: deriving time-series data from the plurality of historical transaction records; projecting the time-series data onto a frequency domain; detecting two or more spikes in the frequency domain; determining whether the two or more spikes satisfy a predetermined threshold; and based on the two or more spikes satisfying the predetermined threshold, identifying recurring payments associated with a merchant; determine a price point for the merchant associated with the identified recurring payments; generate an alert to the cardholder including the identified recurring payments and the associated price point; send the identified recurring payments to the cardholder; receive a response from the cardholder in response to the identified recurring payments; determine, based on the response from the cardholder, if changes to the identified recurring payments are needed; and update the identified recurring payments based on the determined changes. ### Claim 16 (depends on 15) The system of claim 15, wherein to update the identified recurring payments, the one or more processors further execute computer-readable instructions to provide to the merchant, updated account information associated with the cardholder. ### Claim 17 (depends on 15) The system of claim 15, wherein the updated account information comprises at least one of an account number associated with the cardholder or an expiration date of a payment instrument associated with the cardholder. ### Claim 18 (depends on 15) The system of claim 15, wherein to update the identified recurring payment, the one or more processors further execute computer-readable instructions to block the identified recurring payment. ### Claim 19 (depends on 15) The system of claim 15, wherein to perform the spectral analysis on the plurality of historical transaction records, the one or more processors further execute computer-readable instructions to determine that the merchant has set up the identified recurring payments for more than one subscription with the cardholder by: detecting a cardholder price point associated with one of the more than one subscriptions, and comparing the cardholder price point to an alternate price point of a similar cardholder. ### Claim 20 (depends on 15) The system of claim 15, wherein the one or more processors further execute computer-readable instructions to enrich data concerning the merchant associated with the identified recurring payments or the identified recurring payments, wherein the enriched data comprises one of an enriched merchant name, a merchant identification, a URL, a phone number, a merchant email, a frequency of the identified recurring payments associated with the merchant, or a description of the identified recurring payments associated with the merchant, and wherein the identified recurring payments sent to the cardholder comprise the enriched data. ### Claim 21 (depends on 15) The system of claim 15, wherein the one or more processors further execute computer-readable instructions to: establish a secure channel between the cardholder and the one or more processors in response to a receipt of an authentication credential; and send the identified recurring payments to the cardholder over the secure channel.