# US 2019/0318343 A1 · Systems and methods for automatically identifying a checkout webpage and injecting a virtual token > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2019/0318343 A1 - Document ID: US20190318343A1 - Status: Published application - Kind: A1 - Application number: 15/950,684 - Filed: 2018-04-11 - Published: 2019-10-17 - Earliest claimed: 2018-04-11 - Assignees: Capital One Services, LLC - Applicants: Capital One Services, LLC - Inventors: Abdelkader M'Hamed Benkreira; Jonathan Bodner; Joshua Edwards; Eric Medin; Adam Vukich; James Zarakas - Web page: https://patentgrep.com/patent/US20190318343A1 ## CPC - G06Q 20/351: {Virtual cards} - G06Q 30/0613: {using intermediate agents} - G06F 40/174: Form filling; Merging - G06Q 20/12: specially adapted for electronic shopping systems - G06Q 20/3821: {Electronic credentials} - G06Q 20/385: {using an alias or single-use codes} - H04L 67/02: based on web technology, e.g. hypertext transfer protocol [HTTP] - H04L 67/306: User profiles - 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) - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) ## Abstract A system includes a processing system and a memory system. The processing system includes one or more processors. The memory system includes one or more computer-readable media that contain instructions that, when executed by the processing system, cause the processing system to perform operations. The operations include detecting a loading of a webpage including a document object model (DOM). The operations also include analyzing the DOM to identify a first element in the DOM. The operations also include determining, based on the first element, that the webpage is configured to accept payments. The operations also include receiving, from a provider server, a virtual token which corresponds to a user account. The operations also include injecting information from the virtual token into one or more account number fields on the webpage. ## Claims ### Claim 1 A system, comprising: a processing system comprising one or more processors; and a memory system comprising one or more computer-readable media, wherein the one or more computer-readable media contain instructions that, when executed by the processing system, cause the processing system to perform operations comprising: detecting a loading of a webpage comprising a document object model (DOM); analyzing the DOM to identify a first element in the DOM; determining, based on the first element, that the webpage is configured to accept payments without using site-specific rules that are associated with the webpage; receiving, from a provider server, a virtual token which corresponds to a user account; and injecting information from the virtual token into one or more account number fields on the webpage, wherein: the system configures the virtual token for use with only one particular merchant, the system is configured to associate the virtual token with a predetermined amount of credit in the user account that is sufficient to purchase one or more items, and the system configures the virtual token to only be used within a predetermined time period after the webpage is determined to accept payments. ### Claim 2 (depends on 1) The system of claim 1, wherein analyzing the DOM to identify the first element in the DOM comprises searching through input fields in the DOM to look for certain tags, attributes, names, styles, naming patterns, placeholders, text, numbers, or a combination thereof. ### Claim 3 (depends on 1) The system of claim 1, wherein the first element comprises a placeholder in the DOM corresponding to a 16-digit number. ### Claim 4 (depends on 1) The system of claim 1, further comprising: analyzing a uniform resource locator (URL) of the webpage to identify a second element in the URL; and determining, based on the first element and the second element, that the webpage is configured to accept payments. ### Claim 5 (depends on 1) The system of claim 1, wherein the virtual token comprises a virtual credit card corresponding to the user account, wherein the virtual credit card comprises a credit card number, an expiration date, and a card verification value. ### Claim 6 (canceled) ### Claim 7 (canceled) ### Claim 8 (depends on 1) The system of claim 1, further comprising estimating tax and shipping fees to purchase the one or more items, wherein the predetermined amount of credit is sufficient to purchase the one or more items, including the estimated tax and shipping fees, and a predetermined buffer amount. ### Claim 9 (canceled) ### Claim 10 (depends on 5) The system of claim 5, wherein the system configures the virtual token to only be used a single time. ### Claim 11 (depends on 5) The system of claim 5, wherein the system configures the virtual token to be used multiple times. ### Claim 12 (depends on 1) The system of claim 1, wherein the information from the virtual token is injected into the one or more account number fields simultaneously with the loading of the webpage. ### Claim 13 (depends on 12) The system of claim 12, wherein the information from the virtual token is injected into the one or more account number fields simultaneously with the loading of the webpage when the virtual token is saved in a recent history of a user device. ### Claim 14 (depends on 1) The system of claim 1, wherein the information from the virtual token is injected into the one or more account number fields after the loading of the webpage. ### Claim 15 A non-transitory computer-readable medium storing instructions that, when executed by at least one processor of a computing system, cause the computing system to perform operations, the operations comprising: detecting a loading of a webpage comprising a document object model (DOM); searching the DOM to identify a first element indicating that the webpage accepts payment information without using site-specific rules that are associated with the webpage; requesting, from a provider server, a virtual token which corresponds to a user account in response to identifying the first element; receiving the virtual token from the provider server in response to the requesting; and automatically placing the virtual token into one or more fields for the payment information in the webpage, wherein: the virtual token is for use with only one particular merchant, the virtual token is associated with a predetermined amount of credit in the user account that is sufficient to purchase one or more items, and the virtual token is configured to only be used within a predetermined time period after the webpage is determined to accept payment information. ### Claim 16 A system for automatically entering payment information, the system comprising: a processing system comprising one or more processors; and a memory system comprising one or more computer-readable media, wherein the one or more computer-readable media contain instructions that, when executed by the processing system, cause the processing system to perform operations comprising: receiving a request for a virtual token from a user device, the request generated based on a determination that the user device has loaded a webpage comprising a document object model (DOM) that includes a first element that indicates that the webpage is configured to accept payments, wherein the determination is made without using site-specific rules that are associated with the webpage; generating the virtual token in response to the request, wherein the virtual token corresponds to a user account; and transmitting the virtual token to the user device, the virtual token configured to be placed into one or more account number fields on the webpage, wherein: the system configures the virtual token for use with only one particular merchant, the system is configured to associate the virtual token with a predetermined amount of credit in the user account that is sufficient to purchase one or more items, and the system configures the virtual token to only be used within a predetermined time period. ### Claim 17 (depends on 16) The system of claim 16, further comprising receiving a request to authenticate a user of the user device prior to receiving the request for the virtual token. ### Claim 18 (depends on 16) The system of claim 16, further comprising receiving a request to authenticate a user of the user device simultaneously with receiving the request for the virtual token. ### Claim 19 (depends on 16) The system of claim 16, wherein the virtual token comprises a virtual credit card number corresponding to the user account. ### Claim 20 (depends on 17) The system of claim 17, wherein the virtual token also comprises an expiration date and a card verification value for the virtual credit card number. ### Claim 21 (depends on 1) The system of claim 1, wherein the information from the virtual token is injected into the one or more account number fields on the webpage to complete a purchase of the one or more items from the particular merchant within the predetermined time period. ### Claim 22 (depends on 1) The system of claim 1, wherein the determination that the webpage is configured to accept payments is made whether the webpage is recognized or not. ### Claim 23 (depends on 1) The system of claim 1, wherein the operations further comprise receiving, from the provider server, a plug-in or extension, wherein the plug-in or extension determines, based on the first element, that the webpage is configured to accept payments, regardless of whether the plug-in or extension recognizes the webpage. ### Claim 24 (depends on 23) The system of claim 23, wherein the plug-in or extension requests the virtual token from the provider server based at least partially on the determination that the webpage is configured to accept payments, and wherein the plug-in or extension injects the information from the virtual token into the one or more account number fields on the webpage. ### Claim 25 (depends on 1) The system of claim 1, wherein fraudulent use of the user account is limited or prevented by configuring the virtual token for use with the particular merchant, with the predetermined amount of credit, and for use within the predetermined amount of time.