# US 12,192,209 B2 · Techniques to automatically update payment information in a compute environment

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- Number: US 12,192,209 B2
- Document ID: US12192209B2
- Status: Granted
- Kind: B2
- Application number: 17/963,506
- Filed: 2022-10-11
- Published: 2023-02-02
- Granted: 2025-01-07
- Earliest claimed: 2019-05-28
- Assignees: Capital One Services, LLC
- Applicants: Capital One Services, LLC
- Inventors: Mykhaylo Bulgakov; Taurean Butler; William F. Carroll, II
- Web page: https://patentgrep.com/patent/US12192209B2

## CPC

- H04L 63/102: {Entity profiles}
- G06F 16/906: Clustering; Classification
- G06F 16/951: Indexing; Web crawling techniques
- G06N 5/025: Extracting rules from data
- G06N 20/00: Machine learning
- G06Q 20/38: Payment protocols; Details thereof
- G06Q 20/3821: {Electronic credentials}
- G06Q 20/4016: {involving fraud or risk level assessment in transaction processing}
- H04L 63/1425: {Traffic logging, e.g. anomaly detection}
- H04L 63/1441: {Countermeasures against malicious traffic (countermeasures against attacks on cryptographic mechanisms H04L9/002)}
- G06F 12/14: Protection against unauthorised use of memory {or access to memory}
- G06Q 20/405: {Establishing or using transaction specific rules}
- H04L 2209/56: Financial cryptography, e.g. electronic payment or e-cash
- H04L 2463/102: applying security measure for e-commerce
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- G06N: COMPUTING ARRANGEMENTS BASED ON SPECIFIC COMPUTATIONAL MODELS
- 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

## Abstract

Various embodiments are generally directed to techniques for generating rules automatically navigate a website and perform updates of payment token information.

## Claims

### Claim 1

A computer-implemented method, comprising:
crawling one or more webpages of a website to generate one or more rules to automatically navigate to a webpage from among the one or more webpages to change payment token information associated with the website, wherein crawling the one or more webpages includes periodically crawling the one or more webpages based on how much traffic the webpage has received; and
storing the one or more rules in a navigation file to change payment token information, the navigation file configured to cause, in response to being initiated, performance of the one or more rules to automatically navigate to the webpage to change payment token information.

### Claim 2 (depends on 1)

The computer-implemented method of claim 1, comprising:
detecting at least one change in the one or more webpages and/or the website; and
initiating the crawl to determine the one or more rules based on the detection of the at least one change.

### Claim 3 (depends on 1)

The computer-implemented method of claim 1, comprising:
detecting a failure in an attempt to automatically change the payment token information; and
initiating the crawl to determine the one or more rules based on the detection of the failure.

### Claim 4 (depends on 1)

The computer-implemented method of claim 1, wherein generating the one or more rules includes determining the one or more rules based on a document object model element and/or one or more fields associated with the website.

### Claim 5 (depends on 1)

The computer-implemented method of claim 1, wherein a website comprises the one or more webpages, and crawling the one or more webpages includes crawling all of the webpages of the website.

### Claim 6 (depends on 1)

The computer-implemented method of claim 1, comprising:
generating the one or more rules includes:
analyzing hypertext markup language (HTML) code, extensible HTML (XHTML) code, extensible markup language (XML), or a combination thereof; and
identifying document object model (DOM) code, labels, or both associated with the payment token information.

### Claim 7 (depends on 1)

The computer-implemented method of claim 1, comprising:
determining to update or replace the payment token information with new payment token information; and
initiating the one or more rules in the navigation file to update or replace the payment token information.

### Claim 8 (depends on 7)

The computer-implemented method of claim 7, wherein determining to update or replace the payment token information comprises receiving an indication of a security breach of a website comprising the one or more webpages.

### Claim 9 (depends on 7)

The computer-implemented method of claim 7, wherein determining to update or replace the payment token information comprises receiving an indication of a security breach of a different website than a website comprising the one or more webpages.

### Claim 10 (depends on 7)

The computer-implemented method of claim 7, comprising:
executing the one or more rules to automatically navigate through the one or more webpages to change the payment token information; and
changing the payment token information with the new payment token information.

### Claim 11

A computing apparatus comprising:
a processor; and
a memory storing instructions that, when executed by the processor, cause the processor to:
periodically crawl one or more webpages of a website to generate one or more rules to automatically navigate to a webpage from among the one or more webpages to change payment token information associated with the website, wherein the one or more webpages is periodically crawled based on how much traffic the webpage has received; and
generate a navigation file configured to perform the one or more rules to change payment token information, the navigation file configured to cause, in response to being initiated, performance of the one or more rules to automatically navigate to the webpage to change payment token information.

### Claim 12 (depends on 11)

The computing apparatus of claim 11, comprising:
detect at least one change in the one or more webpages and/or the website; and
initiate the crawl to determine the one or more rules based on the detection of the at least one change.

### Claim 13 (depends on 11)

The computing apparatus of claim 11, comprising:
detect a failure in an attempt to automatically change the payment token information; and
initiate the crawl to determine the one or more rules based on the detection of the failure.

### Claim 14 (depends on 11)

The computing apparatus of claim 11, wherein generating the one or more rules includes the processor to determine the one or more rules based on a document object model element and/or one or more fields associated with the website.

### Claim 15 (depends on 11)

The computing apparatus of claim 11, wherein a website comprises the one or more webpages, and the processor to crawl all of the webpages of the website.

### Claim 16 (depends on 11)

The computing apparatus of claim 11, comprising:
generate the one or more rules includes:
analyze hypertext markup language (HTML) code, extensible HTML (XHTML) code, extensible markup language (XML), or a combination thereof; and
identify document object model (DOM) code, labels, or both associated with the payment token information.

### Claim 17 (depends on 11)

The computing apparatus of claim 11, comprising:
determine to update or replace the payment token information with new payment token information; and
initiate the one or more rules in the navigation file to update or replace the payment token information.

### Claim 18 (depends on 17)

The computing apparatus of claim 17, wherein determining to update or replace the payment token information comprises the processor to receive and process an indication of a security breach of a website comprising the one or more webpages.

### Claim 19 (depends on 17)

The computing apparatus of claim 17, wherein determining to update or replace the payment token information comprises the processor to receive and process an indication of a security breach of a different website than a website comprising the one or more webpages.

### Claim 20 (depends on 17)

The computing apparatus of claim 17, comprising the processor configured to:
execute the one or more rules to automatically navigate through the one or more webpages to change the payment token information; and
change the payment token information with the new payment token information.