US 2023/0401563 A1Published application

Proactive virtual card provisioning

AssigneeCapital One Services, LLC

InventorsMykhaylo Bulgakov, Andrea Montealegre, Abdelkader M'Hamed Benkreira

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Abstract

Virtual cards are proactively provisioned for online purchases. Merchant transactions or user browser actions can be analyzed for the existence of a trigger condition such as recurrent merchant transactions or registration on a merchant website, among other things. In response to detecting the trigger condition, a request is sent to a customer for permission to add a virtual card for payment of a merchant online. Subsequently, a request is submitted for the virtual card for the customer from a financial institution in response to permission being granted, where the virtual card is linked to an account of the customer at the financial institution. A browser script can next be executed that adds the virtual card as the primary payment method of a website of the merchant.

Claims20

Dependent claims

A virtual card provisioning system, comprising:

a processor coupled to a memory that includes instructions that, when executed by the processor, cause the processor to:
detect a recurrent transaction with a merchant by a customer online based on analysis of transaction history of the customer from a financial institution;
request permission from a customer to provision a virtual card for payment of a merchant online through a web browser in response to detection of the recurrent transaction;
request the virtual card for the customer from the financial institution in response to receipt of granted permission, wherein the virtual card is linked to an account of the customer at the financial institution;
locate a browser script associated with the merchant;
and
initiate execution of the browser script that directs a customer to a login webpage of a merchant website and, after successful login, navigates to a payment webpage of the merchant website and automatically sets the virtual card as the primary payment method on the merchant website.

4 more elements

Dependencies are inferred from the claim text.

Facts

Application: 17/839,562Filed 14 Jun 2022
Published: 14 Dec 2023
Term ends: Not estimatedThe source records don’t support an estimate.

Classification5 codes

G06Q 20/351
Using cards, e.g. integrated circuit [IC] cards or magnetic cards: virtual cards
G06Q 20/12
Payment architectures: specially adapted for electronic shopping systems
G06Q 20/405
Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check…:…
G06Q 20/42
Payment protocols; Details thereof: confirmation, e.g. check or permission by the legal debtor of payment