Card issuing with restricted virtual numbers
AssigneeCapital One Services, LLC
InventorsJeffrey RULE, Kevin OSBORN, Wayne LUTZ
Life of this patent
Estimating the term…
Abstract
Various embodiments are directed to applying, via contactless card authentication, one or more restrictions to a virtual card number and generating the card number for use by a recipient. The one or more restrictions may be specifically personalized to the recipient and may include, for example, a merchant restriction, an amount restriction, a time period restriction, or a location restriction. The generated virtual card number along with the applied one or more restrictions may be consumed in various ways, such as writing the number to a blank card, transmitting the number directly to the recipient's computing device, etc., all via near-field communication.
Claims21
1-20. (canceled)
An apparatus, comprising:
- a display device;
- near field communication (NFC) circuitry configured to communicate data;
- memory configured to store instructions;
- processing circuitry coupled with the memory, the NFC circuitry, and the display device, the processing circuitry configured to process the instructions, that when executed, cause the processing circuitry to:
- detect an indication to generate a virtual card number;
- cause a prompt to display on the display device, the prompt to prompt a user to provide a contactless card on a surface of the apparatus or within a distance of the apparatus to communicate in accordance with NFC;
- detect, via the NFC circuitry, the contactless card;
- receive, via the NFC circuitry, a cryptogram from the contactless card, the cryptogram comprising identifying information to authenticate the user;
- send the cryptogram to one or more remote devices to authenticate the user;
- receive a second indication from the one or more remote devices that authentication of the user is successful;
- determine, in response to authentication of the user, the virtual card number;
- and
- send the virtual card number to another contactless card or to a remote device.
A computer-implemented method, comprising:
- detecting, by a processor or a computing device, an indication to generate a virtual card number;
- detecting, by the processor and via a short-range wireless interface of the computing device, a contactless card;
- receiving, via the short-range wireless interface, identifying information from the contactless card, wherein the identifying information is encrypted and configured to authenticate the contactless card;
- communicating the identifying information to a remote server;
- receiving a second indication from the remote server that authentication of the contactless card is successful;
- determining, in response to the second indication, the virtual card number sharable to another contactless card or a remote device;
- and
- communicating the virtual card number to the other contactless card or the remote device.
Dependencies are inferred from the claim text.